International transfers · KES · USD
Send money to Kenya
Send Kenyan shillings straight to M-Pesa. Pay a person's M-Pesa number, a Paybill for school fees or rent, or a merchant's Till, all from your USDT balance.
- 0.5% fee
- Pay with USDT
- Mobile money
- M-Pesa Paybill
- M-Pesa Till
- Rate
- –
- Transfer fee
- –
- Total from your balance
- –
Indicative rate. The final rate is locked when you confirm.
Ways to receive money in Kenya
Your recipient chooses how they want to get the money. Here is what each option needs.
Mobile money
Sent to the recipient's mobile money wallet in local currency.
What you need from the recipient
- Recipient's name
- Mobile money number
- Network
- Paid out in
- KES
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
M-Pesa Paybill
Pay a business or bill directly through its M-Pesa Paybill number.
What you need from the recipient
- Paybill number
- Account number
- Account name
- Paid out in
- KES
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
M-Pesa Till
Pay a shop or merchant directly to its M-Pesa Till number.
What you need from the recipient
- Till number
- Account name
- Paid out in
- KES
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
SWIFT (USD)
An international bank transfer in US dollars to the recipient's bank.
What you need from the recipient
- Account name and number
- SWIFT/BIC code
- Bank name and address
- Paid out in
- USD
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
How it works
Steps to send money to Kenya
- 1
Sign up and top up with USDT
Create a free account, complete a one-time identity check and add USDT to your balance.
- 2
Check the rate and fee
Pick the country and receive method. You see the fee, the rate and exactly what your recipient gets.
- 3
Send and track
Confirm with your withdrawal PIN and follow the transfer status in the app until it's paid out.
Know before you send
Fees and rate for sending money to Kenya
No hidden charges: the fee is added on top of the amount you send, and the rate is shown before you confirm.
| Receive method | Fee | Example with $100 | Limits |
|---|---|---|---|
| Mobile money | $0.50 | 12,922.65 KES · total $100.50 | $5.00 – $1,000.00 |
| M-Pesa Paybill | $0.50 | 12,922.65 KES · total $100.50 | $5.00 – $1,000.00 |
| M-Pesa Till | $0.50 | 12,922.65 KES · total $100.50 | $5.00 – $1,000.00 |
| SWIFT (USD) | $0.50 | 100.00 USD · total $100.50 | $5.00 – $1,000.00 |
Sending money to Kenya: what to know
M-Pesa is how Kenya moves money. Most adults have a wallet on their phone, and schools, landlords and shops accept payments through Paybill and Till numbers. Sending straight to M-Pesa means your recipient can use the money immediately.
ScarabPay supports all three M-Pesa options, plus SWIFT transfers in US dollars when the recipient prefers a bank. You see the KES amount before you confirm.
Why send with ScarabPay
No bank account needed
Fund your transfers with USDT from any exchange or wallet. No card, no bank queue.
Clear, low fee
0.5% of the amount, shown upfront. Your recipient gets the full amount you enter.
Real status updates
Every transfer has a status and a receipt you can share with your recipient.
Support in Arabic and English
Questions about a transfer? Our team answers in Arabic and English.
Send your transfer to
Need help with a transfer?
Our support team can help you choose the right receive method, check recipient details or follow up on a transfer.
Contact supportQuestions about sending money to Kenya
How much does it cost to send money to Kenya?
The fee is 0.5% of the amount you send, with a minimum of $0.50. It is added on top, so your recipient gets the full amount you enter, converted at the rate shown before you confirm.
What are the limits for transfers to Kenya?
You can send between $5.00 and $1,000.00 per transfer. Receive options available: Mobile money, M-Pesa Paybill, M-Pesa Till, SWIFT (USD).
Can I send money directly to M-Pesa?
Yes. Choose Mobile money, enter the recipient's M-Pesa number and name, and the shillings go straight to their wallet.
What is the difference between Paybill and Till?
Paybill numbers are used by businesses and institutions such as schools and utilities, and need an account number. Till numbers are used by shops for direct payments.
Can I send US dollars to a Kenyan bank?
Yes, with a SWIFT transfer in USD. You'll need the account name and number, SWIFT code and bank details.
Which currency does my recipient get on M-Pesa?
Kenyan shillings (KES), converted at the rate shown in the calculator.
Guides from our blog
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SenegalMobile money · SWIFT (USD)
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CameroonMobile money
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Sierra LeoneSWIFT (USD)
Americas
Transfers are available to verified ScarabPay users and are subject to our Terms of Service and AML policy. Rates shown on this page are indicative and update regularly; the final rate and fee are shown before you confirm. Delivery times depend on the receive method and the recipient's provider. ScarabPay is not a bank. Terms of Service · AML policy