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How to send money from Tanzania to Kenya
Send from Vodacom M-Pesa straight to M-Pesa Kenya. These are the steps.
See the stepsThe short answer
From Tanzania, the simplest way is Vodacom M-Pesa: dial *150*00#, choose Send money, then International transfers, and send to the receiver's Safaricom number in the 254 format.
You type the amount in TSh, and Vodacom shows the exchange rate before you confirm. The charge is TSh 2,000 on TSh 100,000 and TSh 6,000 on TSh 1,000,000. Receiving is free. The money lands in the receiver's M-Pesa in KES. Check the number twice: Vodacom's terms say a refund after a completed transfer is next to impossible.
See what lands on M-Pesa
No extra fees on top of the rate. Type an amount for an estimate. Dovo shows your exact KES before you confirm.
- Dovo rate
- 1 USDT = 127.75 KES
- Extra fees
- None on top of the rate
- Your exact amount
- Shown in Dovo before you confirm
- Arrives
- In minutes
KESLive Dovo rate
Two ways to do it
Same USDT. Very different trip to your phone.
Vodacom M-Pesa to M-Pesa Kenya
- Lands in KES
- Receiving is free
- Dial *150*00# on the Vodacom lineThe sender must be fully registered with M-Pesa and have enough balance for the amount and the charge.
- Choose 1 Send money, then 2 International transfersThen choose 1 Mobile wallets. Option 2 Banks sends to a Kenyan bank account instead.
- Enter the receiver's Safaricom number with 254Type it as 254 or +254, then the 9 digits, for example 2547XXXXXXXX. A number that is not on the network you chose is declined.
- Enter the amount in TShVodacom shows the exchange rate it uses before you confirm.
- Enter your M-Pesa PIN, then confirmCheck the receiver's details before you confirm. Once the money is sent, Vodacom says a refund is next to impossible.
- The receiver checks their M-PesaThe KES lands in their M-Pesa balance. They can send it, pay with it or withdraw it like any M-Pesa money.
Money in USDT: send it to Dovo, cash out to M-Pesa
- M-Pesa in minutes
- One price upfront
- The receiver opens Dovo and taps Add moneyThey tap Show my address, then Copy address, and share it. Dovo takes USDT on BNB Smart Chain (BEP-20) only.
- The sender withdraws USDT on BNB Smart ChainOn Binance, the network is called BSC (BEP20). USDT sent on another network cannot be recovered.
- The receiver taps Cash out, then My M-PesaThey enter the amount in USDT, from 2 USDT, and tap Continue. The Review cash-out screen shows what M-Pesa receives. They tap Send to confirm. If Dovo asks, they set up an authenticator app first.
Vodacom M-Pesa vs USDT with Dovo
| Vodacom M-Pesa | USDT with Dovo | |
|---|---|---|
| Money you start with | TSh in Vodacom M-Pesa | USDT on BNB Smart Chain (BEP-20) |
| Who sends | The sender, from the *150*00# menu | The sender, from any wallet that sends BEP-20 |
| What lands in Kenya | KES in M-Pesa | KES in the receiver's own M-Pesa |
| Charge | TSh 150 to TSh 6,000 by amount, plus the exchange rate. Receiving is free | One Dovo price, shown before the receiver confirms |
| Limits | M-Pesa limits on both sides. A Kenyan M-Pesa holds up to KES 500,000 | From 2 USDT, up to 2,000 USDT per 24 hours |
| Time | Instant, Vodacom says | M-Pesa usually in minutes after the deposit |
Common problems
I sent money to the wrong Kenyan number
Call Vodacom customer care at once with the transaction details from your SMS.
- Vodacom's FAQ says customer care checks the transaction, then sends the case to its back office.
- The back office asks the hub that carried the money if a reversal is possible.
- Vodacom reverses the money only if that hub agrees. Vodacom's terms say the chance of a refund is next to none.
The transfer was declined
Vodacom declines the transfer when the number is not on the network you picked in the menu.
- Check the number starts with 254 and belongs to Safaricom.
- Check your M-Pesa balance covers the amount and the charge.
- Check you are fully registered with M-Pesa. Vodacom's FAQ lists full registration as a rule of the service.
The receiver uses Airtel Money or a bank, not M-Pesa
Vodacom's country list for Kenya names Airtel and Safaricom (M-Pesa), and a list of Kenyan banks.
For a bank, choose 2 Banks instead of 1 Mobile wallets in the International transfers menu.
Questions
Can I send money from Vodacom M-Pesa to Safaricom M-Pesa?
Yes. Vodacom Tanzania lists Safaricom (M-Pesa) as a Kenyan network you can send to. Dial *150*00#, choose 1 Send money, then 2 International transfers, then 1 Mobile wallets, and enter the 254 number.
How much does it cost to send money from Tanzania to Kenya on M-Pesa?
Vodacom charges by amount: TSh 400 on TSh 5,000, TSh 600 on TSh 10,000, TSh 1,500 on TSh 50,000 and TSh 2,000 on TSh 100,000. It is TSh 3,200 on TSh 500,000 and TSh 6,000 from TSh 900,000 up. Receiving is free.
What exchange rate does M-Pesa use from TSh to KES?
Vodacom shows the exchange rate it uses before you confirm. You type the amount in TSh, and the receiver gets KES.
How long does a transfer from Tanzania to Kenya take?
Vodacom says the receiver gets the money instantly, in their local currency. The money shows in their M-Pesa balance as KES.
Does the receiver in Kenya pay anything?
No. Safaricom says there are no charges for receiving M-PESA from Vodacom Tanzania. The receiver pays the normal M-Pesa charges only when they later send or withdraw the KES.
Is there a limit on how much I can send?
Vodacom says transaction limits apply but does not publish them for this service. On the Kenyan side, an M-Pesa account can hold up to KES 500,000, Safaricom says.
Can I send money from Kenya to Tanzania too?
Yes. In Safaricom M-Pesa, open Lipa na M-PESA, choose Pay Bill and enter business number 255255. Enter the Tanzanian number as the account, in the format 2557XXXXXXXX. Safaricom charges KES 3 to KES 220 by amount.
How do I check the TSh amount before sending from Kenya?
Dial *840#, enter your service PIN and the amount in KES, then the 255 number. Safaricom shows the TSh to send, the charge and the total. Safaricom updates its rates daily at midnight.
Can I send USDT from Tanzania and have it paid to M-Pesa in Kenya?
Yes, if the receiver has Dovo. The sender sends USDT on BNB Smart Chain (BEP-20) to the receiver's Dovo address. The receiver cashes out from 2 USDT, up to 2,000 USDT in any 24 hours, to their own M-Pesa number.