M-Pesa
Kenya's mobile money system by Safaricom. Instant transfers via phone number, 24/7. Used by 50M+ Kenyans.
Complete Guide to Kenya Bank Transfer Times
Understanding bank transfer times in Kenya is essential for financial planning.
Bank Transfer Time Calculator
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
How to Use the Calculator
Three simple steps to find out when your money will arrive.
Select Your Banks
Choose the bank you're sending money from and the bank that will receive it.
Choose Payment Method
Select your preferred payment method from the options available in Kenya.
Enter Transfer Time
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive.
Kenya Payment Systems
Understanding the main ways to send money between bank accounts in Kenya.
PesaLink
Kenya's real-time interbank transfer system. Send money between bank accounts instantly using phone number or account.
EFT / RTGS (KEPSS)
Electronic Fund Transfer and Real-Time Gross Settlement through the Central Bank of Kenya.
Payment Methods at a Glance
| Payment Method | Speed | Availability | Max Amount | Cost |
|---|---|---|---|---|
| M-Pesa | Instant (seconds) | 24/7, 365 days | KSh 300,000 | KSh 0 โ KSh 105 |
| PesaLink | Instant (seconds) | 24/7, 365 days | KSh 999,999 | KSh 10 โ KSh 75 |
| EFT / RTGS (KEPSS) | Same day / 1-2 business days | Business days | No limit | KSh 200 โ KSh 1,000 |
Supported Kenya Banks
Our calculator covers all major banks in Kenya.
Equity Bank
KCB Bank
Co-operative Bank
ABSA Kenya
NCBA Bank
Standard Chartered Kenya
Stanbic Bank
DTB (Diamond Trust)
I&M Bank
M-Pesa (Safaricom)
Example Transfer Times
Sample calculations based on typical bank processing times.
| Transfer | Method | Sent | Arrives | Note |
|---|---|---|---|---|
| Equity Bank → KCB Bank | M-Pesa | Monday 10:00 | Monday instantly | 24/7 available |
| Co-operative Bank → ABSA Kenya | PesaLink | Tuesday 14:00 | Tuesday/Wednesday | Business days |
| NCBA Bank → Standard Chartered Kenya | M-Pesa | Saturday 21:00 | Saturday instantly | Weekend available |
Frequently Asked Questions
Everything you need to know about bank transfers in Kenya.
Transfer times in Kenya depend on the method used. M-Pesa is typically the fastest, delivering funds in seconds. Standard transfers take 1-2 business days. Use our calculator for estimates specific to your banks.
M-Pesa typically operates 24/7, including weekends and public holidays. Standard bank transfers only process on business days (Monday-Friday, excluding public holidays).
Fees vary by bank and transfer method. M-Pesa is often free or very low cost. Standard transfers may incur small fees. International SWIFT transfers typically cost KSh10-50 equivalent.
International SWIFT transfers from Kenya typically take 1-5 business days depending on the destination. SEPA transfers (if available) to European countries arrive within 1 business day.