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PesaLink on Luno

Our rating
4.0
Offered in
1 country
Type
Domestic bank rail
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 PesaLink in Kenya. Transfers settle in real time on a service that runs 24 hours a day, seven days a week, with Bank of Africa Kenya quoting a maximum of 45 seconds per transaction. By reach it is sixth of the 9 rails on our record for Luno; Local bank transfer is offered in more countries.

What PesaLink is

PesaLink is Kenya's bank to bank instant transfer network, operated by Integrated Payment Services Limited, a subsidiary of the Kenya Bankers Association, and live since 2017. It moves shillings directly between accounts at participating banks and other institutions connected to the network, reached from mobile and internet banking. It exists so that a bank customer can pay another bank customer without routing the money through a mobile money wallet first.

Speed
Transfers settle in real time on a service that runs 24 hours a day, seven days a week, with Bank of Africa Kenya quoting a maximum of 45 seconds per transaction.
Cost of the rail
Each bank publishes its own PesaLink tariff, typically a flat fee that steps up in bands with the amount; Bank of Africa Kenya charges nothing up to 1,000 shillings, rising to 200 shillings at the top band.
Limits
Bank of Africa Kenya caps a single PesaLink transfer at 999,999 shillings, with its tariff bands starting at 10 shillings, and other participating banks publish their own limits.

Every exchange that takes PesaLink

Where Luno offers PesaLink

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 PesaLink 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 PesaLink?

Yes, in Kenya. By reach it is sixth 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 PesaLink on Luno?

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

How long does a PesaLink deposit take on Luno?

Transfers settle in real time on a service that runs 24 hours a day, seven days a week, with Bank of Africa Kenya quoting a maximum of 45 seconds per transaction. That describes the rail itself; Luno may hold a first deposit for longer while it verifies your account.

What does PesaLink cost on Luno?

Each bank publishes its own PesaLink tariff, typically a flat fee that steps up in bands with the amount; Bank of Africa Kenya charges nothing up to 1,000 shillings, rising to 200 shillings at the top band. On Luno's side: Local deposit methods and costs vary by market; bank transfers are typically low cost.

Are there limits on PesaLink deposits?

Bank of Africa Kenya caps a single PesaLink transfer at 999,999 shillings, with its tariff bands starting at 10 shillings, and other participating banks publish their own limits. Any limit Luno applies on top is set per account tier and shown inside the platform.

Sources