How Can You send money from M-Pesa to PayPal? (Withdrawal)

M-Pesa To PayPal: M-Pesa and PayPal have combined their services to create the PayPal Mobile Money Service with M-Pesa.

This allows users to transfer money between the two platforms, making it easier to send and receive payments.

So, if you are wondering how to use PayPal Mobile Money Service with M-Pesa, read on!

Keep on reading to find out how to link your PayPal and M-Pesa accounts, how to withdraw or transfer money from M-Pesa to PayPal, and how long it takes for the money to arrive in your PayPal account.

Also, get to know about any fees that you may incur when using the PayPal Mobile Money Service with M-Pesa.

Can You Transfer Money From M-Pesa To PayPal In 2022?

As of 2022, it is possible to send money between M-Pesa and PayPal by linking the two accounts and then transferring or withdrawing funds as needed.

In order to do this, both a Kenyan PayPal account and an M-Pesa account must be set up and linked together.

Once this is done, sending money from PayPal to M-Pesa is simply a matter of withdrawing funds from the PayPal account and transferring them into the M-Pesa account.

Conversely, sending money from M-Pesa to PayPal is called “topping up” the PayPal account and can be done by transferring funds from M-Pesa into the PayPal account.

So, in case you find yourself in a situation where you need to send money from PayPal to M-Pesa (or vice versa), simply follow the steps outlined in this article and you’ll be able to do so without any problems.

M-Pesa To PayPal

In order to transfer money between M-Pesa and PayPal, you have to first link your accounts. Linking your M-Pesa and PayPal accounts is a pretty simple process that only requires a few steps.

Connecting PayPal & M-Pesa Accounts

Step 1: PayPal Mobile Money

Opening PayPal Mobile Money is the first step to take in order to link your M-Pesa and PayPal accounts. After opening the site, you will be asked to log in with your PayPal username and password.

Step 2: M-Pesa Phone Number

The next step is to enter your M-Pesa account phone number into the appropriate field on PayPal Mobile Money.

Step 3: Verification Code

You will then be sent a 4-digit verification code, which you will need to enter in order to confirm and complete linking your accounts.

That’s it! Once your accounts are linked, you can easily transfer money between them whenever you need to.

These are the 3 simple steps you need to follow in order to link your M-Pesa and PayPal accounts.

Money Transfer From M-Pesa To PayPal

Sending money from M-Pesa to PayPal is known as “topping up” your PayPal account. So, if you want to add money to your PayPal account using M-Pesa, here’s what you need to do:

Step 1: PayPal Login

As you’ve already connected your M-Pesa and PayPal accounts, the next thing you need to do is log in to your PayPal account. Use your account credentials to log in as usual.

Step 2: Top Up Your PayPal Account

Once you’re logged in, click on the “Top Up” button. This will take you to a new page where you need to specify the amount of money you want to add to your PayPal account.

Remember, you need to enter the amount in USD.

Step 3: Calculate the Amount in KES

After you’ve entered the amount in USD, click on the “Calculate” button. This will automatically convert the amount into Kenyan Shillings (KES), which is the equivalent of what you’ll be transferring from your M-Pesa account.

Step 4: Go to Your M-Pesa Menu

Now that you know how much money to transfer, open your M-Pesa menu and click on the “Lipa Na M-PESA” option.

Then, select the “Pay Bill” option.

Step 5: Enter Business Number and Account Number

When prompted, enter the business number 800088. This is PayPal’s unique code that identifies it as a recipient of M-Pesa payments.

After that, you will need to enter the account number, which is your phone number.

Step 6: Enter Your M-Pesa PIN

Next, you will be asked to enter your M-Pesa PIN. This is the same PIN that you use when making other transactions with M-Pesa.

Once you’ve entered it, click on the “Send” button.

Step 7: Check Your PayPal Account

Once the transaction is complete, you should see the money in your PayPal account immediately or within 4 hours.

You can now use that balance to shop online or send payments to others.

PayPal To M-Pesa

Withdrawing money from PayPal to M-Pesa is a simple and convenient process that can be completed in a few steps.

All you need is a PayPal account and an active M-Pesa account that is linked to your PayPal account.

To send money from PayPal to M-Pesa –

Step 1: Log in

In order to withdraw money from PayPal to M-Pesa, you will need to log in to your PayPal account.

For this, you will need to use your email address and password associated with your PayPal account.

Step 2: Click ‘Withdraw’

Once you are logged in, click on the ‘Withdraw’ option located at the top of the page. This will show you the available balance in your PayPal account that can be withdrawn.

Step 3: Enter the amount

Enter the amount of money you wish to withdraw from your PayPal account into the ‘Amount’ field. Then, select ‘M-Pesa’ from the dropdown menu next to the ‘Withdrawal Method’ field.

Step 4: Review and confirm

Once you have entered the amount and selected M-Pesa as your withdrawal method, PayPal will show you an estimate of the amount you will receive in Kenyan Shillings (KES).

The exchange rate for the currency conversion will also be displayed, along with the estimated transaction processing time.

Review all of this information carefully before clicking on the ‘Confirm’ button.

After you have followed these steps, the money will be sent from your PayPal account to your M-Pesa account and will be available for use immediately.

Withdrawing money from PayPal to M-Pesa is a quick, easy, and convenient way to access your funds when you need them.

How Much Does It Cost To Transfer Money From M-Pesa To PayPal?

Money transfers between M-Pesa and PayPal will result in costs that can be quite high, depending on the amount you are trying to transfer and the type of transaction you are making.

If you are simply trying to move money from your M-Pesa account into your PayPal account, the fee will be 4% of the total amount involved.

However, if you are trying to withdraw money from your PayPal account and send it to your M-Pesa account, the fee will be 3% of the total amount being transferred.

Check out this fee table –

Transfer TypeCharges
Top Up From M-Pesa To PayPal4%
Withdrawal From PayPal To M-Pesa3%
M-Pesa To PayPal Transfer Fee

In either case, these fees can add up quickly and make it quite expensive to move money back and forth between these two accounts.

So, for example, let’s say that you have $100 in your PayPal account and you want to transfer it to your M-Pesa account.

First, the currency will need to be converted from USD to KES, and then the transaction will be processed.

In total, this would cost you $103, with the $3 fee being taken out of your original $100.

Similarly, if you had 2000 KES in your M-Pesa account and you wanted to transfer it to your PayPal account, the currency would need to be converted and then the transaction processed.

In this case, it would cost you 4% of the total amount being transferred, so you would end up paying 80 KES in fees.

This is a significant amount, especially if you are frequently transferring large sums of money between these two accounts.

Overall, it is important to be aware of the costs associated with moving money back and forth between M-Pesa and PayPal.

If you are not careful, these fees can add up quickly and eat into your profits.

How Long Does It Take To Send Money Between M-Pesa and PayPal?

PayPal to M-Pesa withdrawal transfer processing time is typically 2 hours but can take up to 3 calendar days.

It takes longer to process your transaction if the transaction is made during the weekends or holidays.

The processing time also depends on the transaction value; larger transactions usually take longer to process than smaller ones.

However, at the time of confirming your transaction, an estimate of how long the transfer will take will be provided.

In the case of a top-up transaction which is basically an M-Pesa to PayPal transfer, the process is usually completed within minutes.

However, it can take up to 4 hours for the transaction to be processed.

So, in conclusion, the processing time for a PayPal to M-Pesa transaction can range from 2 hours to 3 calendar days.

The time it takes also depends on various factors like the value of the transaction, day of the week or holiday, and whether it is a top-up or withdrawal transfer.


M-Pesa and PayPal have partnered to offer users a seamless way to transfer money between the two platforms.

This is a great development for users in Kenya, as it allows them to easily top up their PayPal balance using M-Pesa, and also withdraw money from PayPal into their M-Pesa account.

The process is simple and efficient, and it offers users a great deal of flexibility when it comes to managing their finances.

All it takes is a few clicks and the money is transferred almost instantly within 2 hours. But, a PayPal to M-Pesa transfer can take up to 3 business days.

This new service from M-Pesa and PayPal is a great way to make money transfers between the two platforms easier and more convenient for users.