How to send money via M-Pesa to Uganda, Rwanda and Tanzania mobile users

Whether you are sending money to your supplier in Kampala or paying for a lodge in the Serengeti or booking for a bus to Kigali, money transfers are now a breeze. Safaricom M-Pesa customers in Kenya can send money directly to MTN Uganda, MTN Rwanda and Vodacom Tanzania Mobile users in an instant.

When you send money, it’s received in the recipient’s country currency. Conversion rates are taken care by Safaricom and they are updated every midnight. Of course you want to check with current exchange rates to ensure that you get the best deal.

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When you send money to anyone, it’s always good to call them up or text them to confirm that they received the funds. You might have wrongly sent money to a different number. Also usually Safaricom will send you a text confirming the status of the transactions.

How to send from M-Pesa to MTN Uganda Subscriber

  • Dial *840#
  • Enter your preferred PIN
  • Select Send Money
  • Enter destination phone number in the international format e.g. 256xxxxxxxxxx
  • Enter amount and confirm

Related post: MTN Uganda opens up Mobile Money transfers to Kenya and Rwanda


This is how much Safaricom will charge to send money to MTN Uganda.

M-Pesa sending charging to MTN 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

Alternatively, you can also dial *234#>M-PESA products>IMT>Enter service pin (which is your bonga pin) >Cost estimator to know about the charges you will incur.

How to send from M-Pesa to MTN Rwanda Subscriber

  • Dial *840#
  • Enter your preferred PIN
  • Select Send Money
  • Enter destination phone number in the international format e.g. 250xxxxxxxxxx
  • Enter amount and confirm

Related post: How to send money to Tanzania using Safaricom MPESA


This is how much Safaricom will charge to send money to MTN Rwanda.

M-Pesa sending charges to MTN 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

How to send from M-Pesa to Vodacom Tanzania subscriber

  • Go to M-PESA menu and select Lipa na M-PESA.
  • Select paybill and enter business number 255255.
  • Enter recipients mobile number as account number in the format 2557XXXXXXXX.
  • Enter amount, M-PESA PIN and confirm the transaction

The charges range from Kshs. 3 to Kshs. 220 depending on amount to be sent.