Withdrawals from PayPal to M-Pesa are now officially possible through a partnership between PayPal and Safaricom. The new service is operated by TransferTo, a B2B mobile payment company.

To withdraw the funds, you need to do the following:

1. Have a PayPal account.
2. Go to and click on log in (top right corner).
3. You will be prompted to log in and thereafter agree to terms of using the service.
4. Add your M-Pesa phone number.

How to withdraw money from PayPal to M-PESA

  • Log into your account at and click “Withdraw”.
  • Enter the amount you would like to withdraw from your PayPal account in USD.
  • You will be redirected to a page showing the amount to be received in KES, the exchange rate used for the currency conversion, and the estimated transaction processing time.
  • Confirm and complete the withdrawal of money.


  • Cost – You will be charged a 3% conversion fee of the amount withdrawn.
  • Exchange rate – It will appear before confirming the transaction for withdrawal
  • Withdrawals period – It takes between between 2 hours and 3 days for the money to hit your M-Pesa account depending on the withdrawal amount. The higher the amount, the longer it will take.
  • Withdrawal amount – M-Pesa accounts can only hold Ksh. 100,000 at any one time so be cognizant of that when downloading.
  • Transaction limits – Ksh. 70,000 per transaction and Ksh. 140,000 per day.

How to top up PayPal via M-Pesa in Kenya