Kenya
Nigeria
Uganda
Ghana
Rwanda
Senegal
Côte d'Ivoire
Cameroon
The Gambia
TrustScore 4.7
How to withdraw from PayPal to M-Pesa
Get your PayPal dollars into M-Pesa. This is where to tap.
See the stepsThe short answer
To withdraw from PayPal to M-Pesa, open the M-PESA app, tap PayPal and link your PayPal account once. Then tap Withdraw and enter the amount.
Safaricom converts your USD to KES with a 3% fee on the daily exchange rate. The money arrives instantly and you get an SMS. Both accounts must be in your name. The old paypal-mobilemoney.com website closed on 16 August 2025, so use only the M-PESA app.
Two ways to do it
The M-PESA app is the direct way. A Kenyan bank account is the other.
Withdraw in the M-PESA app
- Instant
- 3% on the daily rate
- Open the M-PESA app and tap PayPalUpdate the app first. The PayPal mini app sits inside the M-PESA app.
- Tap Link Account and log in to PayPalLog in with your PayPal details. Accept the link and enter your M-PESA PIN. You do this once.
- Tap Withdraw and enter the amountSafaricom lists USD as the PayPal currency. The app converts it to KES.
- Check the KES amount and confirmThe money reaches M-Pesa instantly. Safaricom sends a confirmation SMS.
Withdraw to a Kenyan bank account
- Free above KES 20,000
- Two steps
- Link your Kenyan bank account in PayPalAdd your Kenyan bank account in your PayPal wallet.
- Withdraw your balance to that bankChoose the bank as the place to send the money, enter the amount and confirm.
- Move the money from your bank to M-PesaUse your bank's app or USSD. Your bank may charge for the move to M-Pesa.
M-PESA app vs Kenyan bank
| M-PESA app | Kenyan bank | |
|---|---|---|
| Fee | 3% on the daily rate | Free above KES 20,000, else KES 105 |
| Conversion | 3% fee on the daily rate | 3.0% above PayPal's base rate |
| Speed | Instant | No time listed, two moves |
| Limit | KES 250,000 per transaction | Your bank's limits |
Common problems
I cannot find PayPal in the M-PESA app
Update the M-PESA app to the latest version, then look for the PayPal mini app.
The old paypal-mobilemoney.com website closed on 16 August 2025. Do not use any other site or link for PayPal to M-Pesa.
The link fails or my name does not match
Safaricom allows transfers only between your own accounts. Your PayPal account and your M-PESA line must be in the same name.
- Check the name on your PayPal profile.
- Check the name on your Safaricom line.
- Fix the one that is wrong, then link again.
My PayPal balance is in EUR or GBP
Safaricom lists PayPal balances in USD. If yours is in EUR or GBP, PayPal may convert it first.
PayPal Kenya charges 3.0% above its base exchange rate when it converts a balance into another currency.
The withdrawal did not reach M-Pesa
Safaricom says the transfer is instant. HapaKenya reports it can take up to a few hours. Check your M-Pesa SMS and balance first.
For the M-Pesa side, call Safaricom on 100 (PrePay) or 200 (PostPay). For PayPal account problems, contact PayPal help.
Questions
How do I withdraw from PayPal to M-Pesa?
Open the M-PESA app, tap PayPal, then Link Account and log in to PayPal. Enter your M-PESA PIN to link. Then tap Withdraw, enter the amount and confirm.
How much does PayPal to M-Pesa cost?
Safaricom applies a 3% fee on the daily exchange rate when you withdraw from PayPal to M-Pesa. The same 3% applies when you top up PayPal from M-Pesa.
How long does PayPal to M-Pesa take?
Safaricom says the transfer is instant. You get a confirmation SMS when the KES lands in M-Pesa.
What is the PayPal to M-Pesa limit?
The standard M-Pesa limits apply: KES 250,000 per transaction and KES 500,000 per day.
Can I withdraw from my PayPal to someone else's M-Pesa?
No. Both accounts must be in the same name. Safaricom allows transfers only between your own PayPal and your own M-Pesa.
Does paypal-mobilemoney.com still work?
No. The old web service closed on 16 August 2025. PayPal to M-Pesa now works only inside the official M-PESA app.
Can I top up PayPal from M-Pesa?
Yes. In the M-PESA app, open PayPal and tap Top Up. Safaricom applies the same 3% fee on the daily rate. Fuliza can cover a short balance if you are eligible.
How do I unlink PayPal from M-Pesa?
Open the M-PESA app, tap PayPal, then Options and Unlink Account.