Mpesa to PayPal: How to send money from Mpesa to Paypal [2021]

In this article, get to know how to send money from your Mpesa account to your PayPal account easily.Also, get to know the Mpesato Paypal charges involved.


Since the great partnership between Safaricom, PayPal and TransferTo, Kenyans can now move money to and from their Mpesa and PayPal accounts conveniently.

Also Read: Easy Steps on How To Withdraw money from Paypal to Mpesa direct in 2021.

In this case, it’s sending money to Paypal direct from your Mpesa account. To be eligible for this service, you must meet the following requirements.

Mpesa to Paypal
Photo by Brett Jordan on

Eligibility requirements:

  • You must have an active Paypal account.
  • You must have an active Mpesa account.
  • Link your Paypal account to your Mpesa account.

Those are the requirements you need to meet for you to be able to use the service. Paypal has a calculator that converts the amount you want to withdraw from USD to KES as we will see below.


List of steps on how to send money from Mpesa to PayPal

  1. Log in to your PayPal account on
  2. Select Top Up to Paypal to proceed.
  3. Enter the amount in USD that you want to top up.
  4. Click Calculate to get the equivalent amount in KES that you will transfer from your Mpesa account.
  5. Go to your Mpesa menu.
  6. Select Lipa Na Mpesa.
  7. Select Paybill.
  8. Enter Paypal Paybill number : 800088.
  9. Enter your phone number as the Account Number.
  10. Enter the Amount you are transferring.
  11. Enter your Mpesa pin.
  12. Confirm the details if correct.
  13. Confirm Mpesa transaction.

The transaction will be subject to charges according to the New Mpesa rates 2021 from Safaricom.

Mpesa to Paypal charges

These are the charges you will incur when you use the Mpesa Paypal service.

  • For withdrawal from Paypal to Mpesa , 3% of the amount converted from USD to KES will be charged.
  • For top-up from Mpesa to Paypal, 4% of the amount you are sending to your Paypal account will be charged.

Key Points to note:

  • Top ups to your PayPal account are processed in real time but may take up-to 4 hours.
  • To confirm the transaction, check your transaction history on your PayPal account.
How much does it cost to send money from Mpesa to PayPal?

It costs a 4% fee to load Paypal from Mpesa in addition to the Paybill fees.

What is the Mpesa to Paypal paybill number?


How long does it take to send money from Mpesa to Paypal?

Top-ups to Paypal are processed in real-time but sometimes may take up to 4hours to be processed.



Jim is the founder and editor at Kenyastax.For business queries contact [email protected]

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