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How I Easily Withdraw Money from PayPal to M-Pesa in Kenya in 2025

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In today’s world, digital finance has made sending and receiving money across the globe fast and convenient. One of the most popular platforms, PayPal, is now integrated with M-Pesa, making it seamless for Kenyans to withdraw PayPal funds directly to their M-Pesa accounts.

This service is powered by TransferTo in partnership with PayPal and Safaricom, offering a reliable way to transfer money. If you’re wondering how to get started, this guide will walk you through linking your accounts, withdrawing funds, and even topping up your PayPal account using M-Pesa.

What You Need to Get Started

Before you can link your accounts, ensure the following:

  • You have an active M-Pesa account.
  • You have a verified PayPal account.
  • The name on your M-Pesa and PayPal accounts must match.

If all these boxes are ticked, you’re good to go!

How to Link PayPal to Your M-Pesa Account

Linking your PayPal to M-Pesa is simple and only takes a few minutes. Just follow these steps:

  1. Go to the official PayPal-M-Pesa partnership website.
  2. Click “Get Started” to begin registration.
  3. Log in to your PayPal account with your credentials.
  4. Enter your M-Pesa phone number when prompted.
  5. Check your phone for an SMS verification code, then enter the code to confirm your number.

That’s it! Your PayPal is now linked to your M-Pesa account.

Pro Tip: Ensure the names on both accounts are identical to avoid linking issues.

How to Withdraw Money from PayPal to M-Pesa

Once your accounts are linked, withdrawing funds from PayPal to M-Pesa is straightforward. Here’s how:

  1. Log in to the PayPal-M-Pesa website.
  2. On the dashboard, click “Withdraw from PayPal”.
  3. Check your available PayPal balance.
  4. If your balance is in a different currency, convert it to USD first (you can do this directly on PayPal).
  5. Enter the amount you want to withdraw. Ensure it’s within the minimum and maximum withdrawal limits.
  6. Review your transaction details, including the amount in KES, conversion rates, and processing time.
  7. Confirm your transaction.

You’ll receive your money in minutes to three days, depending on the withdrawal amount. Transfers above $700 may take up to three days.

Note: PayPal charges a 3% conversion fee, and your M-Pesa account can hold a maximum of Ksh 300,000. Keep this in mind during withdrawals.

How to Top Up Your PayPal Using M-Pesa

Need to make payments with PayPal? Here’s how you can load funds from your M-Pesa wallet:

  1. Log in to the PayPal-M-Pesa website.
  2. Click the “Top Up” button.
  3. Enter the amount you want to top up in USD and click “Calculate” to see the amount in KES.
  4. Open your M-Pesa menu, go to Lipa na M-Pesa, and select Pay Bill.
  5. Use 800088 as the Business Number.
  6. Enter the email linked to your PayPal as the Account Number.
  7. Input your desired amount and M-Pesa PIN, then confirm the transaction.

Your PayPal account will be topped up within minutes, though it may sometimes take up to 4 hours.

Why Choose PayPal-M-Pesa?

While using PayPal for international money transfers can be costly, this integration with M-Pesa offers unparalleled convenience for Kenyans. If you’re looking for cheaper alternatives, consider using platforms like Monito’s real-time comparison engine to explore your options.

With this guide, you’re now equipped to enjoy the benefits of PayPal and M-Pesa integration. Whether it’s withdrawing funds, topping up your PayPal, or making global payments, managing your money has never been easier!