MMomoCalc
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🇰🇪

Receive Money in Kenya

The best apps to send money directly to your mobile money wallet in Kenya. Fees, speed, and operators compared.

Annual inflows
$4.8B
% PIB
4.6% of GDP
Top sources
United States, United Kingdom

Supported Mobile Wallets

📱 M-Pesa (Safaricom)

Apps to send to Kenya

AppFeeSpeedSend from
🌊SendwaveFreeMinutesUK, US, CA, FR, IT
🌍WorldRemitFlat feeMinutesUK, US, CA, AU, AE
📲TapTap SendFreeMinutesUK, US, CA, AU, AE
🦏NALAFreeMinutesUK, US, EU, CA
💸RemitlyFlat feeMinutes to 3 daysUK, US, CA, AU, AE
💡Wise%1–2 business daysUK, US, CA, AU, AE
💡 Key fact
M-Pesa receives from 200+ countries via WorldRemit, MoneyGram, and Juba Express — recipients pay no fees on inbound transfers.

How receiving works in Kenya

The rail that credits the wallet. In Kenya, almost all receiving lands on M-Pesa, and crediting runs through transfer operators' direct integration with Safaricom (and, between banks, via PesaLink). This M-Pesa integration makes Kenya one of the continent's smoothest receiving markets.

The real cost: moving the funds out. Receiving is fee-free, and M-Pesa accepts funds from 200+ countries. The cost appears at agent cash-out, on M-Pesa's banded schedule; keeping the balance to pay via Lipa na M-Pesa avoids it. See the Kenya fees page.

Limits and receive flow. M-Pesa caps each transaction at KES 250,000 and the wallet balance at KES 500,000, so a large inbound transfer may need to be split. Wise plugs directly into M-Pesa for higher amounts at the mid-market rate.

Send from a specific country

🇬🇧United Kingdom→🇺🇸United States→

Frequently Asked Questions

What apps can I use to send money to Kenya mobile wallets?+
The most popular apps are Sendwave, LemFi, WorldRemit, TapTap Send and Remitly. They deliver directly to M-Pesa (Safaricom) in Kenya, in minutes.
Do I need to pay any fees to receive money on my wallet in Kenya?+
Generally no - recipients do not pay fees on international inbound transfers.
What is the maximum amount I can receive in Kenya?+
M-Pesa: max KES 250,000 per transaction. Max KES 500,000 per day. Max wallet balance KES 500,000.
How long does it take to receive money from abroad?+
Most apps (Sendwave, LemFi, TapTap Send, WorldRemit) deliver in minutes. Remitly Express is also fast. Remitly Economy and Wise take 1-3 business days.
Is there a government tax on receiving international money in Kenya?+
No government tax applies to international inbound transfers in Kenya as of 2026.
How is the money credited to the wallet in Kenya?+
In Kenya, almost all receiving lands on M-Pesa, and crediting runs through transfer operators' direct integration with Safaricom (and, between banks, via PesaLink). This M-Pesa integration makes Kenya one of the continent's smoothest receiving markets.
How much does it cost to cash out received money in Kenya?+
Receiving is fee-free, and M-Pesa accepts funds from 200+ countries. The cost appears at agent cash-out, on M-Pesa's banded schedule; keeping the balance to pay via Lipa na M-Pesa avoids it. See the Kenya fees page.
View domestic fees in Kenya →