Send Money to Kenya via PayPal (Europe) | TOWB

Over the past decade, Kenya has witnessed a significant fintech boom, and international remittances have become a crucial source of income for Kenyan households. Millions of Kenyans living abroad send money every month to support their families, fund education, and cover daily expenses.

With the widespread use of smartphones and digital payment services, sending money is no longer a slow or complex process—it can now be completed safely within minutes. Among the most effective solutions is PayPal (Europe), which has evolved beyond a simple online payment tool to a practical means for funding international transfers, especially when paired with trusted platforms like TOWB, enabling direct transfers to M-Pesa wallets or Kenyan bank accounts.

This comprehensive guide explains how to send money to Kenya via PayPal (Europe) and TOWB, covering different payout methods, fees, Transfer speed, and essential tips to minimize costs while ensuring fast and secure delivery.

The Importance of Sending Money to Kenya

According to the Central Bank of Kenya, international remittances account for over 3% of the country’s GDP. In 2024, remittances to Kenya surpassed $4 billion, highlighting their vital role in the local economy.

Remittances are not just cash—they are a lifeline for millions of households, used to:

• Pay school fees

• Cover healthcare costs

• Invest in small businesses

• Purchase essential goods

With the rise of digital financial services, sending money to Kenya via PayPal (Europe) has become a smart choice for expatriates seeking speed, security, and reliability—especially when combined with platforms like TOWB.

Why PayPal (Europe) is Ideal for International Transfers

PayPal (Europe) is widely adopted for international transfers due to its ease of use, security, and global accessibility. It acts as a bridge between your bank account or Credit Card and the Transfer platform, providing maximum flexibility.

Key benefits of using PayPal (Europe) with TOWB:

• Easy linking: Connect your PayPal account with credit/debit cards or bank accounts within minutes.

• Instant funding: When paired with TOWB, transfers are funded immediately, reducing total delivery time.

• Advanced security: Strong encryption and data protection keep your money and personal information safe.

• Global reach: PayPal is available in dozens of countries, allowing expats in Europe, America, or Asia to fund transfers effortlessly.

Step-by-Step Guide: sending money to Kenya via PayPal (Europe) and TOWB

Step 1: Fund your TOWB account via PayPal (Europe)

• Open the PayPal (Europe) app or website.

• Log in and select your preferred funding source.

• Enter the Transfer amount and send it to your TOWB account instantly.
   

Step 2: Initiate the Transfer to Kenya

• Log in to your TOWB account.

• Select Kenya as the Transfer destination.

• Choose the payout method (M-Pesa, bank account, or cash pickup).
   

Step 3: Enter recipient details accurately

• For M-Pesa, provide the registered phone number.

• For bank transfers, enter the account number, bank name, and branch code.
   

Step 4: Review and confirm the transfer

• Double-check all details for accuracy.

• Click Send and track the transaction via your TOWB dashboard.

Payout Methods in Kenya and Their Differences

M-Pesa Wallet – Fastest Option

• Delivery time: Usually within minutes, making it the quickest option.

• Cost: Relatively low fees compared to traditional transfers.

• Ideal for: Small to medium transfers, like family support or bill payments.

• Additional benefits: Allows recipients to pay directly in stores or Transfer money to other local accounts easily.
   

Bank Accounts – Secure for Larger Transfers

• Delivery time: Typically 1–2 business days.

• Ideal for: Large amounts or formal payments, such as tuition or salaries.

• Additional benefits: High security and easy tracking via bank records; cash withdrawals available at any branch.
   

Cash Pickup – Alternative for Remote Areas

• Delivery time: Depends on the operating hours of authorized agents or exchange offices.

• Ideal for: Recipients without bank accounts or digital wallets.

• Additional benefits: Receive funds in local currency for immediate use.

Fees and Costs – How to Maximize Your Money

Transfer fees via PayPal (Europe) and TOWB may vary based on:

• Payment method: PayPal often incurs lower fees compared to other options like credit cards or direct bank transfers.
   

• Payout method: M-Pesa transfers are generally cheaper than bank transfers due to faster processing and minimal intermediary fees. Bank transfers may involve additional charges for local banks or SWIFT processing.
   

• Transfer amount: Larger amounts usually result in lower percentage fees. For example, a 3% fee on a small Transfer may drop below 1% for larger amounts.
   

Pro tip: To minimize fees and delays, plan transfers during regular business days and avoid bank holidays in Kenya or the sending country.
 

 Tips for a Smooth and Fast Transfer

• Update apps regularly: Ensure both PayPal (Europe) and TOWB apps are up to date for improved speed and security.
   

• Verify recipient details: Double-check phone numbers, bank account numbers, or M-Pesa IDs to avoid errors or delays.
   

• Choose the appropriate payout method: For speed, use M-Pesa; for larger or formal transactions, use bank transfers.
   

• Track the transfer: Use TOWB’s tracking system to monitor your transaction from initiation to confirmation.

Why TOWB + PayPal (Europe) Beats Traditional Options

• Payment flexibility: Instant, secure funding via PayPal (Europe).
   

• Multiple payout options: Receive funds via M-Pesa, bank account, or cash pickup.
   

• Competitive pricing: Clear and low fees ensure great value.
   

• Professional support: Dedicated customer service for fast issue resolution.

Conclusion

Sending money to Kenya is no longer complicated or expensive. With the integration of PayPal (Europe) and TOWB, you can enjoy unmatched speed, high security, competitive fees, and multiple payout options tailored to your needs.

Whether sending support to family via M-Pesa in minutes or funding a large project through a bank account, this integrated digital solution is your best choice in 2025.

Start today and experience how technology can make sending money to Kenya fast, safe, and easy.