How to Send Money from M-PESA to MTN Uganda

Sending money across borders used to be complicated and time-consuming but with mobile money platforms like Safaricom’s M-PESA and MTN Uganda, international transfers have become fast, convenient, and secure. Whether you’re supporting family, paying for goods or services, or transacting for business, you can now send money directly from Kenya to Uganda using your phone.

In this article, we break down the step-by-step process of sending money from M-PESA to MTN Uganda, who is eligible, how much it costs, and everything else you need to know to make your transaction smooth and safe in 2025.

Why Use M-PESA to Send Money to MTN Uganda?

Here’s why thousands of people in Kenya use M-PESA to send money to Uganda every day:

Speed: Transactions are processed in real-time or within minutes
Convenience: You can send money directly from your phone anytime, anywhere
Affordability: Lower fees compared to traditional money transfer services
Security: All transactions are PIN-protected and fully traceable
Accessibility: The recipient receives funds directly into their MTN Mobile Money wallet

What You Need Before Sending Money to MTN Uganda

Before initiating the transfer, ensure the following:

You are a registered M-PESA user with an active Safaricom line
The recipient in Uganda has a registered MTN Mobile Money account
You have enough funds in your M-PESA wallet, including estimated transaction fees
The recipient’s mobile number is in the correct international format: +2567XXXXXXXX

Step-by-Step Guide: Sending Money from M-PESA to MTN Uganda

Follow these instructions to complete the transfer using USSD or the M-PESA app:

Option 1: Using USSD Code

Dial *840# on your Safaricom line
Select “Send Money Abroad”
Choose “Uganda” as the destination country
Select the option to send to MTN Mobile Money
Enter the recipient’s MTN mobile number (in international format, e.g., +2567XXXXXXX)
Input the amount you want to send
Confirm the exchange rate, fees, and total cost
Enter your M-PESA PIN to authorize the transaction
Both you and the recipient will receive an SMS confirmation

Option 2: Using the M-PESA App

Open the M-PESA App on your phone
Navigate to the “M-PESA Global” section
Select “Send to East Africa”, then Uganda
Fill in the recipient’s details and amount
Confirm the transaction and authorize it using your PIN

How Much Does It Cost?

Transaction charges depend on the amount you are sending. As of 2025, fees range from KES 50 to KES 500, and the system will always show the exchange rate and total fee before you confirm.

Keep in mind:

Minimum transferable amount: Around KES 100
Maximum per transaction: Up to KES 70,000 (depending on your M-PESA limit)

How Long Does It Take?

Most transfers are completed instantly or within a few minutes. However, delays may occasionally occur due to network issues or incorrect recipient details.

Can the Recipient Withdraw Cash?

Yes. Once the money is in their MTN Mobile Money wallet, the recipient can:

Withdraw from an MTN agent in Uganda
Use the funds to pay bills, buy airtime, or shop
Transfer money to other mobile money users within Uganda

What If There’s an Issue?

In case of a failed or delayed transaction:

Check if the recipient number was entered correctly
Call Safaricom Customer Care (100) to report the issue
If the problem is on the recipient’s end, they can contact MTN Uganda by dialing 100 or visiting an MTN shop

Safety Tips

Always double-check the recipient’s mobile number before sending
Never share your M-PESA PIN with anyone
Save the transaction SMS as proof
Use only the official USSD code or M-PESA app

Final Thoughts

Sending money from Kenya to Uganda has never been easier. Thanks to the Safaricom-MTN mobile money integration, you no longer need to queue at banks or use expensive money transfer agencies. With just your phone and a few simple steps, you can support your loved ones, pay for services, or run cross-border business efficiently.

If you frequently send money to Uganda, consider using the M-PESA Global service as your go-to solution—fast, affordable, and trusted.

FAQs

Q: Can I send money from M-PESA to Airtel Uganda?
As of 2025, direct transfers from M-PESA to MTN Uganda are supported. For other providers, check with Safaricom’s updated international transfer partners.

Q: Can I reverse a transaction?
If you sent money to the wrong number, contact Safaricom immediately. Reversals are only possible if the money hasn’t been withdrawn by the recipient.

Q: Is there a limit on how many times I can send money to Uganda?
No, but daily M-PESA transaction limits apply.