Kenya Bank Transfer Fees Calculator
Compare PesaLink, RTGS (Real-Time Gross Settlement), EFT (Electronic Funds Transfer) & M-Pesa charges across major banks (2025)
👉 Don't know what these mean? Click the blue info box below to learn!
Calculate Transfer Fees
Understanding Bank Transfers in Kenya
What is PesaLink? A payment platform created by Kenya Bankers Association that connects all major banks. It's like M-Pesa but for bank-to-bank transfers. Real-time, 24/7, and much cheaper than old methods.
Why is RTGS expensive? RTGS is designed for very large corporate and business transactions (KES 1 million+). It's processed through Central Bank of Kenya's high-security system, hence the higher fee.
Should I ever use EFT? Probably not. EFT is the old, slow method. Since PesaLink became available, there's rarely a good reason to use EFT anymore - PesaLink is faster, cheaper, and works 24/7.
Is my money safe? Yes! All these methods are regulated by Central Bank of Kenya and are very secure. PesaLink is managed by banks themselves through IPSL (Integrated Payment Services Limited).
This calculator provides estimates based on 2025 bank tariffs. Fees may change - always check with your bank.
Official Resources:
• Central Bank of Kenya - KEPSS/RTGS
• Kenya Bankers Association (KBA)
• KCB Bank - PesaLink Information
Data sources: Individual bank tariff guides (KCB, Equity, Co-operative, Standard Chartered, SBM, Absa), Central Bank of Kenya, Kenya Bankers Association