Best Ways To Send Money From Poland to M-Pesa in Kenya

Byron Mühlberg, writer at
Nov 15, 2022
Affiliate disclosure

If you're from Kenya or your friends or family live there, you'll probably be familiar with M-Pesa. Not only is it a smart way to send and receive money, make payments, and even get loans in Kenya, but seeing that everything happens directly on the mobile phone, it's probably also the most user-friendly way too!

When sending money from Poland to Kenya, exchanging zlotys for shillings can be tricky and expensive. If you're in Poland and you'd like your recipient in Kenya to receive money onto their M-Pesa account, then you'll need a third-party service. Services like Wise or Western Union enable you to send money from Poland toM-Pesa in Kenya quickly and easily! Find the cheapest and fastest service using Monito's live comparison engine below 👇

Find the best way to send money from Poland to M-Pesa in Kenya:

Key Facts About Sending to M-Pesa

👥 Number of M-Pesa users

52.4 million

💸 Ave. cheapest cost to M-Pesa


📅 Year founded


💻 Providers sending to M-Pesa

Six (compare them here)

⏱ Int'l transfers arrive

In minutes

🌍 M-Pesa headquarters


Option 1: Wise

Without a doubt, the best way to send money from Poland to M-Pesa in Kenya is to choose an online money transfer provider that supports M-Pesa payouts in Kenya. In general, many excellent providers are offering this service, including WorldRemit, Remitly, Skrill, and others, but depending on your exact transfer, not all providers might be available.

To get started, you must sign up on one of these platforms (the process usually is quick, easy, and free) and choose M-Pesa as your delivery method. You'll then be able to enter your recipient's mobile number and name and then make a bank or card transfer from zlotys to their M-Pesa account in shillings at excellent exchange rates. (What's more, the money will typically arrive in Kenya in only a few minutes!)

Thankfully, there are six options to send money to a mobile wallet in Kenya from Poland: Wise, WorldRemit, TransferGo, Paysend, Skrill, and Halo Financial. And according to tens of thousands of searches on Monito's comparison engine in 2022, of these six, the best platform in this category for M-Pesa payouts in Kenya for transfers from Poland is Wise.

recommendation icon

Wise offers low fees, excellent exchange rates, and super-quick transfer speeds for sending money Poland to M-Pesa in Kenya. With Wise, your transfer will arrive in Kenya in minutes and save you a lot of money compared to the bank or Western Union.

Generally, Wise will cost 1.4% if you send 1,000 zlotys from Poland to Kenya (keep in mind that this percentage cost goes down the more money that you send). Because of these relatively low fees and exchange rates, we recommend Wise for all users looking to save money when sending to M-Pesa in Kenya.

Remember that with Wise, you can only send up to Ksh 300,000 per day when sending to somebody's M-Pesa account in Kenya.

Option 2: Legacy Providers

In addition to Wise and the other savvy online providers we learned about above, using a traditional transfer operator such as Western Union or MoneyGram is another alternative to sending money from Poland to a M-Pesa account in Kenya.

Although legacy platforms are usually more expensive than online-only platforms, they usually still offer decent exchange rates, and which is ultimately cheaper depends on precisely how much money you're sending. That's why we recommend you compare money transfer providers before every new money transfer you send to Kenya.

Let's go over the leading platforms in this category:

  • Western Union: Western Union is the world's largest and oldest money transfer operator. It offers money transfers to M-Pesa in Kenya from dozens of countries across the globe, including from Poland. See our full Western Union review or visit their website to learn more.
  • MoneyGram: After Western Union, MoneyGram is the world's second-largest money transfer operator and offers money transfers from Poland to M-Pesa in Kenya. See our full MoneyGram review or visit their website to learn more.
  • Small World: Often the cheapest of the legacy operators for transfers to Kenya, Small World is another well-known alternative for sending money. It supports transfers from Poland to M-Pesa and other mobile wallets. Small World is usually one of the cheapest ways of sending money to M-Pesa in Kenya from Poland and is sometimes even as cheap as Wise! See our full Small World review or visit their website to learn more.

Option 3: Banks

If you live in Poland but keep a bank account in Kenya, it's sometimes possible to convert foreign currency to shillings and deposit it into somebody's M-Pesa account locally.

While it can make sense if you maintain a bank account in Kenya which offers this service (and you don't mind paying slightly higher fees), it's not a good option if you want to save money, as costs can quickly amount to more than 5% of the total transaction amount. You can learn more about the high costs of using your bank to send money abroad in our dedicated explainer.

Instead, we recommend choosing an online provider on this list like Wise, or comparing money transfer providers in real-time below to find the best deal for your specific transfer:

Transfer cheaply to a loved one's M-Pesa account in Kenya:

FAQ About Sending Money to M-Pesa

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