Payments
MPesa
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Online betting in Kenya largely revolves around M-Pesa, the mobile money service. Over 95% of Kenya's online betting transactions happen via M-Pesa.
Gambling Sites Accepting MPesa in Kenya
7 bookmakers we track for Kenya, ranked on offer, cashiers and payout speed.
How we rate- 1
Welcome offerUp to KSh 25,000Welcome package up to KSh 25,000- Online since
- 2024
- 2
Best alternative888StarzCuraçao OGL/2024/665/0201 (Bittech B.V.)Welcome offer300% up to KSh 60,000Across the first four deposits- Min deposit
- KSh 150
- Online since
- 2020
- 3
Strong third optionMegapariCuraçaoWelcome offerUp to KSh 31,400100% + 100% up to KSh 31,400 across the first two deposits- Min deposit
- KSh 720
- Online since
- 2019
- 4
Welcome offer100% up to KSh 19,000- Min deposit
- KSh 150
- Online since
- 2017
- Min deposit
- KSh 112
- Online since
- 2019
- 6
Welcome offerUp to KSh 20,000- Min deposit
- KSh 112
- Online since
- 2007
- 7
Welcome offer200% up to KSh 25,700- Min deposit
- KSh 130
- Online since
- 2012
Bonus amounts, minimum deposits and payout windows come from the operators’ Kenyan pages and change without notice — read the offer terms before you deposit. 18+ only, and betting is not a way to pay bills: how to stop when it stops being fun.
M-Pesa for betting: the trade-offs
- Deposit and cash out winnings through the same wallet
- Up to KES 250,000 in a single payment
- Every Paybill payment is confirmed with your M-PESA PIN
- Topping up the M-Pesa wallet itself is free
- Works from the M-PESA App on Android and iOS
- 5% excise duty is taken on betting deposits
- Wallet balance is capped at KES 500,000
- Agent cash-outs cost KES 29 from KES 101 to 2,500
- Payouts from the betting account face a five percent withholding tax
Reversals and two-way payments
Self-Reversal support allows transactions to be reversed by forwarding a confirmation SMS to 456. Funds can be deposited into betting accounts and winnings withdrawn to an M-Pesa account.
Excise, withholding and cash-out fees
Bettors are charged an excise duty of 5% on deposits and a 5% withholding tax on withdrawals. Withdrawal charges are notably higher than sending fees, encouraging digital transactions over cash-outs.
Limits and the PIN
Maximum daily limits for M-Pesa transactions are set at KES 500,000, with a per-transaction limit of KES 250,000. For security, your M-Pesa PIN is used to authenticate Paybill transactions. M-Pesa's higher security levels have been praised when compared to other payment methods.
M-Pesa limits, fees and taxes
| Wallet balance cap | KES 500,000 |
|---|---|
| Daily transaction limit | KES 500,000 |
| Maximum per transaction | KES 250,000 |
| Paybill steps | Business number, account number, amount, M-PESA PIN |
| Tariff band for KES 1,000 agent withdrawal | KES 29 |
| Excise duty on deposits | 5% of the amount deposited |
| Tax on withdrawals | Five percent withholding |
| Getting started | Register at an agent with a Kenyan ID or passport |
| App | M-PESA App on Google Play and the iOS App Store |