How to Withdraw Money from PayPal to MPesa

This article is a step by step tutorial on how to withdraw money from PayPal to MPesa.


It is now possible to withdraw money from PayPal to MPesa in Kenya.

If you work online like me, or you have an online store or a relative who sends you money through PayPal, this is some good news for you.

In this article, I am going to give you the step by step guide to withdrawing cash from PayPal to MPesa and how to top up your PayPal account using MPesa.

How to Withdraw Money from PayPal to MPesa

I assume that you already have a PayPal account, and you have some cash that you want to withdraw.

If you do not have, please visit the PayPal Website, create an account and receive some money into your account before you can proceed to withdraw it.

Step 1: Visit the PayPal MObile Money Portal

Head over to PayPal Mobile Money Service with M-PESA.

You shall see a welcome screen like this one.

PayPal to Mpesa-withdraw

Step 2: Get Started

Click on the blue GET STARTED button. You will be redirected (through a new popup window) to your PayPal account where you will key in your login credentials as shown

paypal to mpesa registration


Step 3: Register your MPesa Number

Register for the PayPal to Mpesa withdrawal service by entering your registered Mpesa number.



Step 4: Enter the Confirmation Code

Be sure to enter the right number since you will get a confirmation code.

Once you get the confirmation code, enter it accurately and click confirm. You can click on Send new confirmation code if you do not get the first one within a few minutes.


paypal to mpesa get money in kenya

You will get a confirmation message like this saying:



paypal mpesa confirmed



start using paypal to mpesa services in kenya

Step 5: Start withdrawing from PayPal

If you want to withdraw from PayPal to Mpesa, you can now click on “Withdraw from PayPal”, otherwise, you should click on “Top Up to PayPal” if that is what you need.

paypal to mpesa cost

Step 6: Enter the amount you want to withdraw

You will land on a new page which shows you your PayPal balance and a place to enter the amount you want to withdraw.

Once you enter the amount you wish to withdraw, click on continue to withdraw.



confrim withdrawal paypal to mpesa

Step 8: Confirm withdrawal

You are now in the last stage where you are supposed to confirm your action.

You will see the PayPal to Mpesa conversion rate and the amount that you will receive.

Click on confirm button to proceed or go back to edit if you want to withdraw more or less

Wait for the money on your phone

As for now, your money should be on the way coming from your PayPal to your Mpesa account. You should get it after 2 hours.

After this, there is nothing else you should do other than waiting for the money on your confirmation of paypal to mpesa transactionMPesa account.

Here is the on-screen confirmation that you should get to show that your transaction went through:



After exactly 2 hours, I received the money.

So, the process works flawlessly.

Have a happy withdrawing.

N/B: The portal always gives you a message near the footer which says: Please note that you can only hold up to 100,000 KES in your Mpesa account. Make sure your Mpesa account can hold your withdrawal balance.  I think this is one of the bottlenecks for you guys who want to withdraw thousands from your online account. Maybe Safaricom will review this limit one time.


How to Top Up your PayPal Account Using Mpesa

Sometimes, you may wish to top up your PayPal account using Mpesa to buy stuff online or pay for services such as web hosting, domain names or any other service.

In this case, you will need to top up your PayPal account.

Here are the steps that you should follow:

Step 1

Deposit some money into your Mpesa account the normal way by visiting an Mpesa agent.

You can also use the money that is already in your Mpesa account, no worries.


Step 2

Open your M-PESA, select “Lipa na M-PESA”, then “Pay Bill”.

Enter 800088 as the business number, and your phone number as the account number.

And that’s all!

You will receive an SMS confirming that USD was added to your PayPal balance. You can also check the status on the Transaction History page.

Mpesa to PayPal Calculator

If you want to know the exact amount of money that will be credited to your PayPal account, you should follow the above-mentioned steps of withdrawing money from PayPal to Mpesa.

However, when you reach Step 5, you should click on “Top Up To PayPal”.

Here you will get the instructions and a calculator.

Calculate the KES amount you need to convert to get the USD amount you want in your PayPal account.


For instance, if you need $1000 in your PayPal account, the calculator shows that you need to have 105,020 in your MPesa account. This may be a limitation if you want to deposit large amounts of money into your PayPal account since MPesa has an account upper limit.


Have you tried withdrawing from PayPal to Mpesa or Topping Up from Mpesa to PayPal?

Share your experience in the comments section below.


Withdrawing money from PayPal to MPesa in Kenya has been made easier. But, as expected, the withdrawal or depositing services are not free.

You will be charged certain fees such as a 3% conversion rate when withdrawing and 4% conversion rate when depositing and M-Pesa PayBill charges that can go up to Kes.220 when making deposits.


Advantages of PayPal Mpesa fund withdrawals

It is faster than any other method. It is the fastest method so far since you can get your cash within 2 hours.

It is cheaper

It is safe and convenient

It is possible to deposit money from Mpesa to PayPal.

It heralds a new era of online payments


Limitations of PayPal Mpesa cash withdrawal

It is not instantaneous yet like the Skrill Mpesa cash transfer system

You can only withdraw up to the standard Mpesa limit

Background to the Story of Withdrawing Online Money in Kenya

Following a deal between Safaricom and PayPal, it is now possible to withdraw your cash from your PayPal account directly to your Mpesa account.

Effective from Monday, April 9th, 2018, the move aims to allow PayPal users to withdraw their funds easily to their mobile wallets and thereafter withdraw from more than 148,000 MPesa agents in Kenya.

The move allows PayPal customers in Kenya to link their accounts to their Mpesa accounts.

Before this, the only options of withdrawing directly from PayPal were through Equity bank or through Payoneer Master Card.

Using the Equity Bank option, PayPal customers had to open bank accounts with Equity Bank and link their accounts with their PayPal accounts for them to withdraw funds within three business days.

Withdrawals could be done at any Equity Bank branch in the country, using ATM machines, Easy Pay App or Equity Bank agents across the country. Equity bank recently revised the PayPal withdrawal charges.

The funds’ transfer is made possible through TransferTo, a cross-border mobile payments network.

Safaricom will be the fast telecommunication company to allow PayPal to mobile wallet money transfer in Kenya.  This will help Mpesa to establish itself as a brand and also allow Kenyans to transact in the global arena with ease. There are high chances that many Kenyans will open PayPal accounts and establish many online e-commerce businesses.

Mpesa’s collaboration with PayPal will open Kenya to the global marketplace and enhance e-commerce for Kenyan entrepreneurs. The collaboration also ushers in a new era of quick and convenient transfer of money beyond the borders of Kenya according to Joseph Ogutu, the Director of Strategy in Safaricom.


To make online purchases, customers will be required to set up PayPal accounts, which they can top up in real-time using their M-PESA balances.

One of the things that have been hindering Kenyans from participating in e-commerce is the means of payment. Mpesa has made it possible to withdraw directly from PayPal within two hours to a few days depending on the amount.

More Kenyans are now able to shop or sell their goods and services online to more than 210 million customers who are already using PayPal.


PayPal allows users to transact in 25 accepted currencies.

Recently the PayPal General Manager for the Middle East, Africa, and Russia, Efi Dahan said

“We are excıted to brıng the M-PESA mobile wallet and PayPal joint services to the Kenyan market, which makes it more convenient and secure to withdraw and add money to their accounts while participating in the global digital economy”.

The new service will give Kenyan businesses the opportunity to boost their reach and grow internationally.


Have you tried withdrawing from PayPal to Mpesa or Topping Up from Mpesa to PayPal?

Share your experience in the comments section below.

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