Monito.com

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

Byron Mühlberg, writer at Monito.com
Feb 15, 2024
Advertiser 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 Portugal to Kenya, exchanging Euros for shillings can be tricky and expensive. If you're in Portugal 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 Portugal 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 Portugal to M-Pesa in Kenya:

Key Facts About Sending to M-Pesa

👥 Number of M-Pesa users

52.4 million

💸 Avg. cheapest cost to M-Pesa

4.0%

📅 Year founded

2007

💻 Providers sending to M-Pesa

Six (compare them here)

⏱ Int'l transfers arrive

In minutes

🌍 M-Pesa headquarters

Kenya

Option 1: Wise

Without a doubt, the best way to send money from Portugal 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 offer this service, including WorldRemit, Remitly, Skrill, and others, but depending on your exact transfer, not all providers might be available.

To get started, sign up on one of these platforms (the process is usually 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 Euros to their M-Pesa account in shillings at excellent exchange rates. (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 Portugal: Wise, Small World, WorldRemit, Remitly, TransferGo, and Paysend. 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 Portugal is Wise.

Generally, Wise will cost 8.2% if you send 100 Euros from Portugal 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, using a traditional transfer operator such as Western Union or MoneyGram is another alternative to sending money from Portugal 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 comparing money transfer providers before every new 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 Portugal. 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 Portugal 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 Portugal 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 Portugal 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 Portugal 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

Why You Can Trust Monito

Our recommendations are built on rock-solid experience.

  • We've reviewed 50+ money transfer providers
  • We've made 100+ test transfers
  • Our writers have been testing providers since 2013
Learn more about us

Sending Money to Other Mobile Wallets?

Below, you'll find all our guides helping you to send money to various mobile wallets between different countries worldwide:

Send money to GCash from France

Send money to GCash from Australia

Send money to GCash from Austria

Send money to GCash from Denmark

Send money to GCash from the Czech Republic

Send money to GCash from Finland

Send money to GCash from Ireland

Send money to GCash from Italy

Send money to GCash from Latvia

Send money to GCash from Norway

Send money to GCash from Poland

Send money to GCash from Portugal

Send money to GCash from Slovakia

Send money to GCash from Spain

Send money to GCash from Sweden

Send money to GCash from Croatia

Send money to GCash from Estonia

Send money to GCash from Slovenia

Send money to GCash from Hungary

Send money to GCash from New Zealand

Send money to GCash from the USA

Send money to GCash from Belgium

Send money to GCash from Canada

Send money to GCash from the Netherlands

Send money to GCash from Germany

Send money to GCash from Greece

Send money to GCash from Singapore

Send money to GCash from the UK

Send money to GCash from Bulgaria

Send money to GCash from Lithuania

Send money to GCash from South Africa

Send money to GCash from Switzerland

Send money to GCash from Romania

Send money to GCash from Japan

Send money to GCash from India

Send money to GrabPay from Austria

Send money to GrabPay from France

Send money to GrabPay from Australia

Send money to GrabPay from Finland

Send money to GrabPay from Denmark

Send money to GrabPay from the Czech Republic

Send money to GrabPay from Latvia

Send money to GrabPay from Ireland

Send money to GrabPay from Italy

Send money to GrabPay from Portugal

Send money to GrabPay from Norway

Send money to GrabPay from Poland

Send money to GrabPay from Sweden

Send money to GrabPay from Slovakia

Send money to GrabPay from Spain

Send money to GrabPay from Slovenia

Send money to GrabPay from Croatia

Send money to GrabPay from Estonia

Send money to GrabPay from the USA

Send money to GrabPay from Hungary

Send money to GrabPay from New Zealand

Send money to GrabPay from Greece

Send money to GrabPay from Belgium

Send money to GrabPay from Canada

Send money to GrabPay from the Netherlands

Send money to GrabPay from Romania

Send money to GrabPay from Singapore

Send money to GrabPay from Lithuania

Send money to GrabPay from the UK

Send money to GrabPay from Bulgaria

Send money to GrabPay from Germany

Send money to GrabPay from South Africa

Send money to GrabPay from Switzerland

Send money to Maya from Austria

Send money to Maya from France

Send money to Maya from Australia

Send money to Maya from Finland

Send money to Maya from Denmark

Send money to Maya from the Czech Republic

Send money to Maya from Latvia

Send money to Maya from Ireland

Send money to Maya from Italy

Send money to Maya from Portugal

Send money to Maya from Norway

Send money to Maya from Poland

Send money to Maya from Sweden

Send money to Maya from Slovakia

Send money to Maya from Spain

Send money to Maya from Slovenia

Send money to Maya from Croatia

Send money to Maya from Estonia

Send money to Maya from the USA

Send money to Maya from Hungary

Send money to Maya from New Zealand

Send money to Maya from Greece

Send money to Maya from Belgium

Send money to Maya from Canada

Send money to Maya from the Netherlands

Send money to Maya from Romania

Send money to Maya from Singapore

Send money to Maya from Lithuania

Send money to Maya from the UK

Send money to Maya from Bulgaria

Send money to Maya from Germany

Send money to Maya from South Africa

Send money to Maya from Switzerland

Send money to ShopeePay from Austria

Send money to ShopeePay from France

Send money to ShopeePay from Australia

Send money to ShopeePay from Finland

Send money to ShopeePay from Denmark

Send money to ShopeePay from the Czech Republic

Send money to ShopeePay from Latvia

Send money to ShopeePay from Ireland

Send money to ShopeePay from Italy

Send money to ShopeePay from Portugal

Send money to ShopeePay from Norway

Send money to ShopeePay from Poland

Send money to ShopeePay from Sweden

Send money to ShopeePay from Slovakia

Send money to ShopeePay from Spain

Send money to ShopeePay from Slovenia

Send money to ShopeePay from Croatia

Send money to ShopeePay from Estonia

Send money to ShopeePay from the USA

Send money to ShopeePay from Hungary

Send money to ShopeePay from New Zealand

Send money to ShopeePay from Greece

Send money to ShopeePay from Belgium

Send money to ShopeePay from Canada

Send money to ShopeePay from the Netherlands

Send money to ShopeePay from Romania

Send money to ShopeePay from Malaysia

Send money to ShopeePay from Lithuania

Send money to ShopeePay from the UK

Send money to ShopeePay from Bulgaria

Send money to ShopeePay from Germany

Send money to ShopeePay from South Africa

Send money to ShopeePay from Switzerland

Send money to Coins.ph from Austria

Send money to Coins.ph from France

Send money to Coins.ph from Australia

Send money to Coins.ph from Finland

Send money to Coins.ph from Denmark

Send money to Coins.ph from the Czech Republic

Send money to Coins.ph from Latvia

Send money to Coins.ph from Ireland

Send money to Coins.ph from Italy

Send money to Coins.ph from Portugal

Send money to Coins.ph from Norway

Send money to Coins.ph from Poland

Send money to Coins.ph from Sweden

Send money to Coins.ph from Slovakia

Send money to Coins.ph from Spain

Send money to Coins.ph from Slovenia

Send money to Coins.ph from Croatia

Send money to Coins.ph from Estonia

Send money to Coins.ph from the USA

Send money to Coins.ph from Hungary

Send money to Coins.ph from New Zealand

Send money to Coins.ph from Greece

Send money to Coins.ph from Belgium

Send money to Coins.ph from Canada

Send money to Coins.ph from the Netherlands

Send money to Coins.ph from Romania

Send money to Coins.ph from Singapore

Send money to Coins.ph from Lithuania

Send money to Coins.ph from the UK

Send money to Coins.ph from Bulgaria

Send money to Coins.ph from Germany

Send money to Coins.ph from South Africa

Send money to Coins.ph from Switzerland

Other Money Transfer Guides

Best Ways To Send Money Internationally
March 27, 2024 - by François Briod
Sendwave to M-Pesa
March 20, 2024 - by Lydia Kibet
Best Business Accounts in Kenya
February 28, 2024 - by Lydia Kibet
Sending Money to Kenya via M-Pesa
February 15, 2024 - by Byron Mühlberg
Sending M-Pesa From the UK to Kenya
February 15, 2024 - by Byron Mühlberg
Airtel Money Transfer
February 15, 2024 - by Jarrod Suda
Cheapest Ways To Exchange Money
February 5, 2024 - by Jarrod Suda
Tips For Your First Online Money Transfer
January 31, 2024 - by Byron Mühlberg
How To Send Money Internationally (Use These 5 Services)
January 16, 2024 - by Jarrod Suda
Best Money Transfer Apps in Africa
January 9, 2024 - by Jarrod Suda
International Money Transfer Services in Kenya
December 31, 2023 - by Lydia Kibet
Can You Transfer Large Amounts?
December 13, 2023 - by Byron Mühlberg
Interbank Transfer Charges Kenya
December 6, 2023 - by Lydia Kibet
Mastercard Application in Kenya
December 4, 2023 - by Lydia Kibet
Open a Bank Account Online
November 28, 2023 - by Lydia Kibet
Does Venmo Work With GCash?
November 8, 2023 - by Byron Mühlberg
M-Pesa From the US to Kenya
October 25, 2023 - by Byron Mühlberg
Cheapest Ways to Send Money to Africa
October 13, 2023 - by Byron Mühlberg
How Much Are Western Union's Fees?
October 12, 2023 - by Jarrod Suda
Best Money Transfer Services
October 11, 2023 - by François Briod
Banks With the Best Exchange Rates in Kenya
September 29, 2023 - by Lydia Kibet
4 Best Multi-Currency Business Accounts
September 22, 2023 - by Byron Mühlberg
Can I Receive Money From Nigeria Through M-Pesa? (Answered!)
August 18, 2023 - by Lydia Kibet

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Learn More About Monito
  • Monito is trusted by 15+ million users across the globe.

  • Monito's experts spend hours researching and testing services so that you don't have to.

  • Our recommendations are always unbiased and independent.

Monito.com

Global Impact Finance Ltd
Rue du Pont 22
1003 Lausanne
Switzerland

Affiliate Disclosure
Instead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.