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M-Pesa on Luno

Our rating
4.0
Offered in
1 country
Type
Mobile money
Rail reviewed
2026-08-18
Review updated
2026-08-12

Know before you deposit

Luno is winding down EU operations (EUR withdrawals end 31 Aug 2026, accounts close 1 Sep 2026); it remains fully active in Kenya, Nigeria, South Africa, Indonesia and Malaysia.

Yes. Luno takes M-Pesa in Kenya. Wallet to wallet and paybill payments confirm by SMS within seconds of the PIN prompt, at any hour of the day. By reach it is eighth of the 9 rails on our record for Luno; Local bank transfer is offered in more countries.

What M-Pesa is

M-Pesa is the mobile money service Safaricom and Vodacom run through their M-Pesa Africa joint venture, with the wallet held against a phone number instead of a bank account. It operates in Kenya, Tanzania, Mozambique, the Democratic Republic of Congo and Lesotho among other African markets, and is used to send money, pay bills and pay a business through a paybill or till number. Each country's central bank licenses and supervises the local operator: in Kenya the central bank counted 94.2 million registered mobile money accounts and 572,104 active agents across all providers in June 2026, which is the size of the market M-Pesa leads rather than M-Pesa's own account count.

Speed
Wallet to wallet and paybill payments confirm by SMS within seconds of the PIN prompt, at any hour of the day.
Cost of the rail
Charges come from the operator's published tariff table, which steps up in flat bands with the amount for sending and for cashing out rather than applying a single percentage.
Limits
Per transaction and daily ceilings are set by the operator with central bank approval and differ by country, so check the current table before attempting a large deposit.

Every exchange that takes M-Pesa

Where Luno offers M-Pesa

Each country opens the Luno page for that market, with its rank there and every rail it takes. The number is Luno's rank in that country's guide.

Africa (1)

What M-Pesa costs on Luno

Local deposit methods and costs vary by market; bank transfers are typically low cost.

Other ways to pay on Luno

8 other rails at least one country we rank Luno in uses, widest reach first.

Frequently asked questions

Does Luno accept M-Pesa?

Yes, in Kenya. By reach it is eighth of the 9 rails on our record for Luno; Local bank transfer is offered in more countries. Support is decided market by market, so the country pages linked here are the exact list.

In which countries can I use M-Pesa on Luno?

Kenya, from our country guides reviewed between 2026-08-20 and 2026-08-20.

How long does a M-Pesa deposit take on Luno?

Wallet to wallet and paybill payments confirm by SMS within seconds of the PIN prompt, at any hour of the day. That describes the rail itself; Luno may hold a first deposit for longer while it verifies your account.

What does M-Pesa cost on Luno?

Charges come from the operator's published tariff table, which steps up in flat bands with the amount for sending and for cashing out rather than applying a single percentage. On Luno's side: Local deposit methods and costs vary by market; bank transfers are typically low cost.

Are there limits on M-Pesa deposits?

Per transaction and daily ceilings are set by the operator with central bank approval and differ by country, so check the current table before attempting a large deposit. Any limit Luno applies on top is set per account tier and shown inside the platform.

Sources