How to Send Money from M-Pesa to Airtel Money in Kenya

As mobile money becomes the backbone of digital transactions in Kenya, interoperability between M-Pesa and Airtel Money has made life easier for millions. Whether you’re sending money to a friend on Airtel or topping up a relative’s Airtel wallet, you can now transfer funds from M-Pesa directly to Airtel Money in minutes no withdrawal codes, no agents, no paperwork.

This guide explains exactly how to send money from your M-Pesa account to an Airtel Money number, step by step, based on the latest updates for 2025.

What Is Mobile Money Interoperability?

Mobile money interoperability is the ability to send and receive money across different mobile money platforms in this case, from Safaricom’s M-Pesa to Airtel Money. This government backed system enables seamless transactions between users on different networks and is regulated by the Central Bank of Kenya.

Steps to Send Money from M-Pesa to Airtel Money

Here’s a detailed breakdown of how you can send money from M-Pesa to an Airtel Money wallet using your phone:

Step-by-Step via M-Pesa SIM Toolkit

Open SIM Toolkit
Go to the M-Pesa menu on your Safaricom SIM Toolkit or M-Pesa App.
Select “Lipa na M-Pesa”
This is the section used for payments, transfers, and purchases.
Choose “Paybill”
You’ll be prompted to enter a Paybill number.
Enter Business Number
Type in 220220, the official Paybill number for mobile money transfers to Airtel.
Enter Account Number
Enter the Airtel number you are sending money to (e.g., 0733XXXXXX).
Enter Amount
Input the amount of money you want to send.
Enter M-Pesa PIN
Confirm the transaction with your M-Pesa PIN.
Wait for SMS Confirmation
You will receive two text messages:
- One from M-Pesa confirming the debit.
- One from Airtel Money confirming that the funds were received.

Step-by-Step via MySafaricom or M-Pesa App

If you’re using the M-Pesa App or MySafaricom App, follow these:

Launch the app and log in.
Tap Send Money.
Select Other Networks.
Enter the Airtel number and amount.
Confirm with your M-Pesa PIN.

No withdrawal code is required—the money is automatically credited to the recipient’s Airtel wallet.

Important Notes Before You Send

Ensure the Airtel number is registered on Airtel Money.
Cross-network transfers may incur small fees depending on the amount.
You cannot reverse the transaction if you send it to the wrong number—always double-check.
This process works nationwide across all regions in Kenya.

Estimated Transaction Charges (2025)

Amount (KES)	Estimated Fee (KES)
1–100	Free or KES 5
101–500	KES 7–10
501–1,000	KES 13–15
1,001–2,500	KES 25–30
2,501–5,000	KES 35–50

Charges may vary depending on Safaricom’s current pricing. Use the M-Pesa tariff checker for real-time updates.

Benefits of Sending Money from M-Pesa to Airtel

Convenient – You don’t need to visit an agent.
Fast – The money reflects instantly.
Nationwide – Available across Kenya.
Secure – Protected by PIN and confirmation SMS.
Interoperable – Supports Kenya’s digital financial inclusion goals.

Customer Support Contacts

Safaricom Customer Care:

Dial: 100 (Safaricom) or 0722002100

Airtel Kenya Customer Support:

Dial: 100 (Airtel Line) or 0733 100 100

Final Thoughts

As mobile money adoption continues to grow in Kenya, knowing how to move funds across networks is crucial. Sending money from M-Pesa to Airtel Money is now seamless, secure, and accessible to all Kenyans regardless of location or device.

Whether you’re a parent sending school fees, a business paying suppliers, or a friend helping out a loved one, this simple transfer system makes life easier and more efficient.