Top 10 Money Transfer Apps in Kenya (2025)

Category: Finance • Updated August 2025

In today’s fast-paced world, money transfer apps have become the backbone of Kenya’s financial system. From sending money to friends and family, paying bills, or conducting business transactions, these apps provide speed, security, and convenience. With Kenya being a leader in mobile money adoption, here are the Top 10 Money Transfer Apps in Kenya for 2025.

1. M-Pesa – The Pioneer

M-Pesa remains Kenya’s most trusted and widely used money transfer platform. Operated by Safaricom, it allows users to send and receive money instantly, pay for goods and services, and even access loans and savings products.

• Best For: Everyday transactions, bills, and business payments.
• Pros: Ubiquitous network, high security, integrated with banks.
• Cons: Transaction fees can be high for frequent users.

2. Airtel Money

Airtel Money offers affordable mobile transfers with lower fees compared to M-Pesa. It’s gaining traction among users who want flexibility and affordability.

3. PayPal

PayPal is widely used for international payments. In Kenya, PayPal integrates with M-Pesa, making it easy to withdraw funds locally. It’s a favorite among freelancers and online businesses.

4. Wise (formerly TransferWise)

Wise is an international money transfer service known for low fees and real exchange rates. It’s ideal for Kenyans receiving payments from abroad or paying global freelancers.

5. WorldRemit

WorldRemit allows fast remittances from over 50 countries directly into Kenyan mobile wallets, including M-Pesa and Airtel Money. It’s secure and convenient for diaspora communities.

6. Western Union App

Western Union’s mobile app enables Kenyans to send and receive money globally. Funds can be collected in cash or directly deposited into mobile wallets and bank accounts.

7. Sendwave

Sendwave is popular for free or low-fee international transfers. It’s especially strong in transfers from the U.S. and Europe to Kenya.

8. Payoneer

Payoneer is widely used by freelancers, online sellers, and businesses for international transactions. It integrates with marketplaces like Amazon, Fiverr, and Upwork.

9. Remitly

Remitly is designed for fast and low-cost international transfers, offering both economy and express options. It supports direct transfers to Kenyan mobile wallets and bank accounts.

10. Chipper Cash

Chipper Cash is a rising fintech app that allows free local transfers and affordable international remittances. It also supports crypto trading and cross-border payments within Africa.

Final Verdict

Kenya’s money transfer landscape continues to be one of the most advanced in the world. M-Pesa remains the undisputed leader for local transactions, while apps like PayPal, Wise, and WorldRemit dominate international transfers. Newer players like Chipper Cash are pushing innovation with free transfers and crypto integration. The right app for you will depend on whether you’re prioritizing local use, affordability, or global connectivity.

With mobile penetration rising and financial technology advancing, these 10 apps represent the best ways to send and receive money in Kenya in 2025.