PayPal to M-Pesa app withdrawal: A step-by-step guide with transaction charges

PayPal to M-Pesa app withdrawal is easy: open the M-Pesa app and scroll to “Global Payments”, then click “PayPal,” and enter your PIN. Tap “Link Account," log into PayPal, and click “Agree & Connect." You’ll be redirected to M-Pesa and can now withdraw funds or top up your PayPal account. There’s no fixed transaction fee, just a 3% exchange rate margin to cover processing costs.

Key takeaways

• To transfer money from PayPal to mobile money, open the M-Pesa app, scroll to “Global Payments”, click “PayPal,” and re-enter your PIN. Tap “Link Account, " log into PayPal, and click “Agree & Connect." You’ll be redirected to M-Pesa and can now withdraw funds or top up your PayPal account.
• There’s no fixed transaction fee; the exchange rate includes a roughly 3% margin to cover processing costs.
• Your PayPal account must be active and verified using your email.
• The names on your PayPal and M-Pesa accounts must match to avoid linking errors.

Read also

Safaricom adds new PayPal withdrawal feature to M-Pesa app

Paypal withdrawal to M-Pesa app step-by-step guide

Safaricom just made it so easy to access global funds. PayPal withdrawals are now integrated directly into the M-Pesa app. Here is a step-by-step guide on how to withdraw from PayPal to M-Pesa in Kenya:

1. Open the M-Pesa app and enter your PIN.
2. Scroll to Global Payments and tap PayPal.
3. Re-enter your M-Pesa PIN to proceed.
4. Tap Link Account and follow the security prompt.
5. You'll be redirected to log in to PayPal.
6. Review the terms and tap Agree & Connect.
7. You'll be redirected to M-Pesa and can now Withdraw Funds or Top Up PayPal.

The funds typically arrive in your M-Pesa account within five minutes. However, delays can happen during public holidays or system outages.

PayPal to M-Pesa transaction charges

The minimum amount you can withdraw from PayPal to M-Pesa is $1. While there's no fixed transaction fee, the exchange rate includes a roughly 3% margin to cover processing costs. It's worth noting that the daily standard M-Pesa limits apply. So, ensure your M-Pesa account can accommodate the amount you plan to withdraw.

Read also

How to pay KPLC Tokens via M-Pesa paybill number on your phone

PayPal to M-Pesa money transfer via the web

Paypal to M-Pesa money transfer via the web is seamless, thanks to a partnership between PayPal, Safaricom, and Thunes. Here's a step-by-step guide for PayPal to M-Pesa money transfer:

1. Go to the PayPal–M-Pesa portal.
2. Click "Get Started"
3. Log in using your PayPal account.
4. Click "Withdraw from PayPal."
5. Enter the amount in USD.
6. View the exchange rate and KES equivalent.
7. Confirm the transaction.

Note: PayPal will permanently shut down this M-Pesa Mobile Money service (powered by Thunes) on August 16, 2025.

FAQs about PayPal to M-Pesa app withdrawal

1. Which bank in Kenya provides the PayPal withdrawal service? The Kenyan bank that provides seamless PayPal withdrawal service is Equity Bank.
2. Can PayPal send money directly to M-Pesa? Yes, PayPal can send money directly to M-Pesa.
3. How long does it take to withdraw money from PayPal? Withdrawing money from PayPal takes a few minutes to complete (up to 30 minutes). A standard transfer is usually completed within 3-5 working days. Sometimes it can take longer, depending on the bank's clearance process.
4. How long does it take for PayPal to release funds? PayPal usually releases funds after 21 days. However, there are several things you can do to reduce this timeline.
5. Can someone withdraw money from PayPal without being verified? No, you cannot withdraw money from PayPal without being verified. Just like signing up for a bank account, you need to confirm your identity to get full access to your account and send, receive and withdraw funds.
6. Why does PayPal take so long to take money out? PayPal takes a long time to take money out because withdrawals are subject to review. These automated reviews are for your security and typically clear within 24 hours, but may take up to 72 hours.
7. What is PayPal's daily receiving limit? PayPal's daily receiving limit for personal accounts can be a maximum of $10,000 in one transaction and cannot exceed $60,000 weekly.

Read also

How to withdraw money from Betika: paybill and deposit charges

Final word

PayPal to M-Pesa app withdrawal is easy. You only need a registered M-Pesa and an active and verified PayPal account. Additionally, the names on your PayPal and M-Pesa accounts should match to avoid linking errors.

DISCLAIMER: This article is not sponsored by any third party. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional advice or help and should not be relied on to make decisions. Any action you take upon the information presented in this article is strictly at your own risk and responsibility!

Tuko.co.ke has published an article about how to open a PayPal account in Kenya. PayPal offers convenience, global reach, and security, making it especially valuable for Kenyans, freelancers, online entrepreneurs, and digital shoppers. Amazingly, it's super easy to open a PayPal account. Read this article for details.

Proofreading by Masolo Mabonga, copy editor at TUKO.co.ke.

Source: TUKO.co.ke