Here is how to withdraw money from Paypal to your M-Pesa

In these days of remote jobs, PayPal has become a medium of choice for freelancers to receive payments for their work. In the past, a partnership with Equity enabled one to withdraw to their bank account. However, since the introduction of withdrawal via M-Pesa has brought convenience to the platform with the transaction taking a few hours, this new service is operated by TransferTo, a B2B mobile payment company.

To be able withdraw the funds from Paypal, you need to do the following:

1. Have a PayPal account.
2. Go to and click on log in (top right corner).
3. You will be prompted to log in and thereafter agree to terms of using the service.
4. Add your M-Pesa phone number.

Withdrawing money from PayPal to M-PESA

  • Log into your account at and click “Withdraw”.
  • Enter the amount you would like to withdraw from your PayPal account in USD.
  • You will be redirected to a page showing the amount to be received in KES, the exchange rate used for the currency conversion, and the estimated transaction processing time.
  • Confirm and complete the withdrawal of money.

Please Note

  • Cost – You will be charged a 3% conversion fee of the amount withdrawn.
  • Exchange rate – It will appear before confirming the transaction for withdrawal
  • Withdrawals period – It takes between between 2 hours and 3 days for the money to hit your M-Pesa account depending on the withdrawal amount. The higher the amount, the longer it will take.
  • Withdrawal amount – M-Pesa accounts can only hold Ksh. 300,000 at any one time so be cognizant of that when downloading.
  • Transaction limits – Ksh. 70,000 per transaction and Ksh. 140,000 per day.