Bella
July 30, 2026
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2 minutes

How to Send KES to M-PESA in Kenya Through Raenest From Nigeria

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Need to send Kenyan Shillings to M-Pesa in Kenya from Nigeria? Whether you're supporting family back home or settling a payment to a freelancer or business, Raenest makes it fast and easy to send money straight to any M-Pesa wallet.

You can fund the transfer from your NGN, USD, GBP, or EUR balance, and Raenest handles the conversion at the point of transfer. Transfers are secure and usually arrive within minutes.

How to send KES to M-Pesa with Raenest

Step 1: Fund any balance on Raenest

You don't need to keep KES in advance. Fund your NGN balance and send straight to M-Pesa, or send from your USD, GBP, or EUR balance instead. Raenest handles the conversion in the app at competitive rates with no hidden fees.

Step 2: Tap Send Money

From your Raenest dashboard, tap Send Money, then Add New Beneficiary. Choose Mobile Money as the transfer method and select Kenyan Shilling (KES) as the currency.

Step 3: Add the M-Pesa beneficiary details

Enter the M-Pesa phone number, which must be registered in Kenya, along with the beneficiary's name. You can save the beneficiary for future transfers.

Step 4: Enter the amount and confirm

Enter the amount to send in KES, and if you're converting from another currency, Raenest shows you the live exchange rate. Review the details, then confirm with your password or biometrics. M-Pesa transfers usually arrive within minutes, even at weekends and on public holidays.

Why send KES to M-Pesa with Raenest

  • Fund from your NGN, USD, GBP, or EUR balance.
  • Fast delivery straight to M-Pesa mobile wallets.
  • Real-time conversion at transparent rates.
  • No KES balance needed in advance.
  • Built for Africa, and trusted across Nigeria, Kenya, Ghana, and beyond.

Final thoughts

Whether you're paying a contractor or helping family, Raenest gives you a fast and reliable way to send KES from Nigeria to M-Pesa in Kenya, with the rate shown upfront and the money delivered in minutes.

Create your free Raenest account today and start sending.

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Raenest is a Financial Technology (FinTech) Company, not a Bank. Banking services are provided by Regent Bank, Member FDIC. Raenest is not FDIC insured. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis, for which certain conditions must be satisfied. FDIC insurance only covers the failure of Regent Bank, Member FDIC. Mastercard Card services are provided by Raenest's technology partners, authorized by Visa and Mastercard to issue cards operating over their networks.

The Raenest USD Visa Card is a standalone payment card, powered by the Visa Inc.. Raenest provides the platform interface through which users can access and manage the card. The card itself is a separate product from the broader Raenest platform. Services such as global accounts, stablecoins, currency conversion, money transfers, and investments are independent offerings available within the Raenest platform.

Raenest is not a broker-dealer, investment adviser or member of FINRA. Securities offered by Alpaca Securities LLC ("Alpaca Securities"). Alpaca Securities is a member of FINRA and the Securities Investor Protection Corporation. Raenest does not recommend any specific securities or investment strategies. Investing involves risk & investments may lose value, including the loss of principal. Past performance does not guarantee future results. Investors should consider their investment objectives and risks carefully before investing. U.S. stock investments are held with Alpaca Securities LLC, a U.S.-licensed broker-dealer regulated by the SEC and FINRA. Your assets are custodied under strict regulatory and security standards, and you retain full visibility into your holdings and performance at all times. Investment feature is offered in partnership with City Investment Capital Limited, a firm licensed by the Securities and Exchange Commission of Nigeria.

Raenest Inc. Canada is registered with FINTRAC as a Money Services Business (Registration No. 1443707-1). Registered Office: 212 King Street West, 6th Floor, Toronto, ON M5H 1K5.
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Raenest Inc. is licensed by the Central Bank of Nigeria as an International Money Transfer Operator. Banking services in the UK are provided by Clear Junction Ltd, authorised and regulated by the Financial Conduct Authority (FCA) as an Electronic Money Institution. U.S. securities brokerage services are provided by Alpaca Securities LLC (“Alpaca Securities”), a member of FINRA and SIPC, and a wholly-owned subsidiary of AlpacaDB, Inc.