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Please visit our website upesi.co.ke and register yourself using your email ID, mobile number and the identification document. Once your registration is approved, you can send money by just clicking the ‘Send Money’ tab in the web site.

National ID
Passport
Alien Card/Foreigner Card (for expatriates)
Driving License (newly issued)

There are a number of reasons that a payment may not go through. But the most common one involves incomplete profile registration. Here are the mandatory fields you must input to proceed 1) Upload ID and ID number 2) Date of Birth 3) Gender 4) Occupation 5) Nationality 6) Country

Yes. The limit is Kshs. 999,999/- for the individual remittances per transaction per day. However, there exist separate limits provided by the service provider for each corridor.

Yes. We secure all customer data using a multilayer security system. The data is encrypted and hosted on a secure server.

Mobile wallet transactions and bank transactions are instant, if it successfully passes through the AML checks. Cash pick-up transactions are ready for collection after 10 minutes.

We have an extensive network of countries where you can send money to. Kindly log in to your account or visit the About us page on our website to see which countries you can send money to.

We are open Monday through Friday from 8.00 a.m to 5.00 p.m and on Saturdays from 8.00 a.m to 12.00 noon

Sundays and holidays our offices are closed.

The Upesi app and automated services of mobile wallet and bank deposit transactions remain active throughout.

You can receive money from all over the world.

A sender will execute a transaction using your mobile number and name. Once this is done they’ll get a notification on their phone when the money has been added to your account. Plus, you’ll also receive a confirmation when the transfer is complete.

Cash pickups are payments that a beneficiary collects in person in the form of cash.

You can collect cash at Upesi Head office at Morningside Office park on Ngong Road or at any Sidian Bank branch nearest to you.

A sender can send money from either their bank account, mobile wallet or even cash through UPESI to the beneficiary’s bank account. The beneficiary receives the money in the specified account by the sender in real time.

You must have your valid form of Identification document, that is National ID, Passport (with a valid VISA), foreign ID or refugee certificate or any other supporting documents to transact.

You must also have the transaction code/transaction reference number.

Present your valid form of Identification at the UPESI Head office or at any Sidian Bank branch nearest to you and the transaction code or reference number.

UPESI is located at Morning side office park building, 4th floor, along Ngong road but you can find our services at any Sidian Bank branch near you.

Yes. You can cancel a cash pick-up transaction if the recipient has not received it yet. Bank transactions and mobile wallet transactions are instant and cannot be cancelled. However, a transaction that has not been transmitted due to the wrong details entered, can be cancelled by sending a request to customerservice@upesi.co.ke or by calling at 0709 656 000.

Yes. You can edit your account details such as address, phone number, and location. You may not modify other details such as ID/passport number, and Name

Send us an email at customerservice@upesi.co.ke and we shall call you back to assist. You may also call us at 0709 656 000 and talk to our customer service officer.

Yes. Our services are 24/7. If you find any challenges during holidays, please call our customer service officer at 0709 656 000 from 8 am to 5 pm.

The recipient does not have to pay any amount to receive money.

Please visit our website upesi.co.ke and register yourself using your email ID, mobile number and the identification document. Once your registration is approved, you can send money by just clicking the ‘Send Money’ tab in the web site.

We charge KES 400 and KES 950 flat fee per transfer depending on the amount and destination country but regardless of channel used.

Mobile wallet transfers are instant. Bank transfer delivery timeframes vary per country but are usually credited within one working day. Cash pick-up transfers are ready for collection upon availability of the recipient in the receiving destination. Please ensure that the sender’s and the beneficiary’s details are correct.

Yes. We secure all customer data using a multilayer security system. The data is encrypted and hosted on our secure server.

You can cancel a cash pick-up transaction if the recipient has not received it yet. Bank transfers and mobile wallet transfers are instant and cannot be cancelled. However, a transfer that has not been transmitted due to the wrong details entered, can be cancelled by sending a request to customerservice@upesi.co.ke> or by calling at 0709 656 000.

There could be several reasons your recipient has not received your transfer within the expected timeframe. Some of the reasons are:

• Incorrect details about you or we may need extra information from you.
• Incorrect details about your recipient or we may need extra information from the recipient.
• Delivery timeframes for bank transfers are counted in working days. This means that public holidays and/or weekends are not counted.
• In a few cases, technical issues can occur that affect your recipient bank’s ability to credit the transfer.

Your transfer will have been placed on hold either due to a requirement of additional documents from you or further information regarding your transaction. You will have received an email asking for the required information or pop-up requesting you to fill in the required information on the mandatory fields. Please respond with your answers and it will be picked up by our team.

Check that your payment details have been entered correctly. If all details are correct, please check why the payment has been declined with your payment provider. In some cases, you may need to approve the payment with your provider before returning to us to complete the transfer.

You can transfer money to many destinations in the world using the payout option most convenient for your recipient (e.g., as mobile money transfer, bank transfer and cash pickup).

Send countries include:

• ID number
• ID type
• Full name as appears in the ID document
• Date of Birth as appears in the ID document
• Nationality as appears in the ID document
• Mobile number
• Physical address
• Occupation

You only need to upload your identification document onto our secure Web App. Please DO NOT email us your documents. Doing so may delay the processing of your transfer as you will be requested to upload your documents again onto our secure Web App.

To verify your identity, we need:

• Either Kenya National ID or Alien ID (for foreigners resident in Kenya)
• Selfie photo of you

Note

• Until we have completed ID verification, we may be unable to complete your transfer.
• A high-quality ID document image should be uploaded onto the Web App. If the image is unclear, we may require another copy.
• We need to see the full document including all four corners. If we cannot see the full document, we may require another copy.

Transaction limits for transfers through your bank account are as follows:

• The minimum send amount per transaction is KES 200.
• The maximum send amount per transaction must be less than KES 1 million.
• The total send amount in a 24-hour period must be less than KES 1 million.

Transaction limits for transfers through your M-PESA wallet account are as follows:

• The minimum send amount per transaction is KES 200.
• Maximum send amount per transaction is KSHs.150,000.
• Maximum total send amount in a 24-hour period is KES.300,000.>

Important:The maximum amount you can send as a bank transfer depends on:

• the country you’re sending to
• the payment option you choose
• our local partner’s transaction limits

For more information on this, simply check Transaction Limits tab on the Web App.

When sending money, you can pay for your transfer using your M-PESA or Bank Account (either Internet Banking or Pesalink).

Important: for payment using M-PESA, your mobile wallet should be registered in the same name as your account in Upesi’s Web App.