How to send money to Uganda, Tanzania & Rwanda through M-Pesa

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Safaricom has made it possible to send money via M-Pesa to Uganda, Tanzania and Rwanda. The transfers are done through MTN Uganda, Vodacom Tanzania and MTN Rwanda.

The way it works is that M-Pesa users send money in Kenya Shillings and the recipients get in the local currency subject to a conversion rate that Safaricom published daily.

Here is the process of sending money to the three East African countries.

1. Sending money to MTN Uganda

To send money to an MTN Uganda subscriber, please follow the following procedure.

  • Dial *840#
  • Enter your Bonga PIN (or set up if you don’t have one).
  • Select Send Money
  • Enter the phone number of the recipient in the format 256XXXXXXXXX
  • Enter amount, M-PESA PIN and confirm the transaction.

The following are the costs of sending M-Pesa to Uganda

Transaction BandsTotal (Ksh)
Min (Ksh)Max (Ksh)Sender charges
10099922
1,0002,49933
2,5004,99955
5,0009,99983
10,00034,999110
35,00049,999198
50,00070,000220

2. Sending money to Vodacom Tanzania

To send money from Kenya to a Vodacom Tanzania customer, simply do the following:

  • Go to the M-PESA menu.
  • Select Lipa Na M-PESA and then go to the Pay Bill option
  • Enter 255255 as the business number .
  • Enter the recipient’s mobile number as account number in the format 2557XXXXXXXX
  • Enter amount, M-PESA PIN and confirm the transaction.

The charges for sending money to Tanzania range from Kshs. 3 to Kshs. 220 depending on amount you are sending.

3. Sending money to MTN Rwanda

  • Dial *840#
  • Enter your Bonga PIN (or set up if you don’t have one).
  • Select Send Money
  • Enter the phone number of the recipient in the format 250XXXXXXXXX
  • Enter amount, M-PESA PIN and confirm the transaction.

The following are the costs of sending M-Pesa to Rwanda.

Transaction BandsTotal (Ksh)
Min (Ksh)Max (Ksh)Sender charges
10099922
1,0002,49933
2,5004,99955
5,0009,99983
10,00034,999110
35,00049,999198
50,00070,000220

To send money via MPESA from Tanzania
This applies to Vodacom customers

Dial 15000#
Select Send money to MPESA Kenya
Enter the recipient, amount, and PIN
Confirm
Send
How to send money via MPESA from Uganda
This applies to MTN Uganda customers

Dial *165#
Select Send money to MPESA Kenya
Enter the recipient, amount, and PIN
Confirm
Send
How to send money via MPESA from Rwanda
This applies to MTN Rwanda customers

Dial *830#
Select Send money to MPESA Kenya
Enter the recipient, amount, and PIN
Confirm
Send
In case you want to use MPESA to send money to another East African country that does not have a telco partnership with Safaricom MPESA, you can simply use Western Union. The Western Union option allows you to send money from MPESA to anywhere in the world apart from North Korea and Syria, or any other country that has sanctions. If you are not sure of whether the country sanctioned just call Safaricom customer care helpline 100 or 200 for clarification or reach them on @Safaricom_Care on twitter.

How to send MPESA via Western Union
USSD Procedure

Dial *840#
Select Western Union Location
Select New Recipient
Enter First name
Enter Last name
Enter Middle name
Enter Amount
Pick Destination
Enter 2 letter Country ISO (Where user selects ‘Other’. is a 2 LETTER abbreviation for country names e.g. ZA for South Africa, TD for Chad, KE for Kenya, UG, TZ, etc. ISO may not always be the first two letters of the country name.)
Enter Purpose of funds
Enter source of funds
Confirm transaction details and charges
Enter M-PESA PIN
Customer will receive M-PESA SMS and another SMS with the MTCN from M-PESA Global which should be shared with the Recipient.

When sending funds to South Africa the sender is required to input a secret word. The recipient will be required to have the secret word details at the collection point to receive the funds.


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Sande Kennedy

Sande Kennedy is the founder of SandeKennedy.com & Kenyans247.com He is a Kenyan-based Internetprenuer,blogger Political Activist,informer who has an interest in politics, governance, corporate-fraud and human-interest. Kindly drop me a note if you feel aggrieved on any matter that you would want to be highlighted. Twitter @itssandekennedy , Instagram @itssandekennedy WhatsApp: +254791890826 Read More about me here
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