How to buy Bitcoin in Kenya using Mpesa

Bitcoin has emerged as one of the most common digital assets in Kenya with thousands of individuals utilizing this digital asset to trade, save and even to transfer money across borders. With the ease of mobile money transfers such as M-Pesa, it has never been more easy to buy Bitcoin in Kenya. You can be a newcomer or an expert trader and this 2025 guide will take you through the process of buying Bitcoin in Kenya via M-Pesa in a safe and cost effective manner.

Why purchase a Bitcoin in Kenya with M-Pesa?

M-Pesa is the major mobile money service in Kenya and has made financial transactions easier to millions of people. There are a number of benefits associated with M-Pesa to purchase Bitcoin:

• Very Fast: Instant deposits and instant withdrawals.
• Accessibility: Works with your Safaricom cell phone line, no bank required.
• Convenience: You are able to purchase both small and large quantities of Bitcoin.
• Security: It is possible to trace transactions through M-Pesa statements.

As the cryptocurrency exchanges in Kenya which accept M-Pesa, you do not require complex banking systems to be able to invest in Bitcoin.

How to use M-Pesa to Buy Bitcoin in Kenya Step-by-Step.

Select a reputable Bitcoin Exchange in Kenya.

Find cryptocurrency exchange that accepts deposit via M-Pesa. The most popular are:

• Binance P2P – So you can purchase and sell Bitcoin directly to Kenyan traders.
• Paxful – P2P platform to accept M-pesa.
• Local Bitcoins substitutes – There are numerous sites that now accept Kenyan users when Local Bitcoins was shut down.
• Yellow Card – An authorized trade in Africa that permits M-Pesa deposits.

Pro tip: It is always better to use platforms that have low transaction rates and good security.

Join and Authenticate Your Account.

Majority of the crypto exchanges in Kenya currently demand KYC (Know Your Customer) authentication. You’ll need:

• National ID or Passport
• Selfie photo verification
• M-Pesa registered number

Account verification will confirm your account to be safe and in accordance with cryptocurrency laws in Kenya (2025).

Deposit Funds via M-Pesa

After your account has been verified, it is possible to fund it:

• Enter into your selected crypto exchange.
• Select Deposit via M-Pesa.
• Enter the amount in KES.
• Use the M-pesa Push or Paybill guidelines.

The deposits normally reflect within a few seconds.

Sell Bitcoin in Kenya Instantly.

• Go to Buy/Sell Crypto.
• Choose Bitcoin (BTC).
• Type in how much you would like to buy in Kenyan Shillings.
• Confirm the transaction.

Congratulations! You are now the owner of Bitcoin directly purchased with M-Pesa.

Store Your Bitcoin Safely

Crypto requires security. Once you purchased Bitcoin, you should transfer it to a safe crypto wallet. Options include:

• Mobile Wallets ( Trust Wallet, Binance Wallet )
• Long-term storage (Hardware Wallets (Ledger, Trezor)).
• Exchange Wallets (in operation)

How much would one use to purchase Bitcoin in Kenya using M-Pesa?

The cost depends on:

• M-Pesa transaction charges (KSh 15 -300 depending on the transaction).
• Exchange fees (typically 0.5% – 2%).
• Bitcoin network fees (depends on the activity in a blockchain).

With M-Pesa, you can purchase Bitcoin in Kenya as low as KSh 500 on average.

How to buy Bitcoin using M-Pesa and be safe at the same time.

• Trade must be in recognized exchanges.
• Stay away of some suspicious P2P sellers with unrealistic prices.
• Allow two-factor authentication (2FA).
• Do not give out your personal wallet keys.

Frequently Asked Questions (FAQs) on Buying Bitcoin in Kenya Using M-Pesa.

Will M-Pesa enable me to purchase Bitcoin in Kenya without verification?

No. The majority of the regulated exchanges in 2025 will need KYC authentication before you will be able to purchase Bitcoin in Kenya using M-Pesa. This is in accordance with the anti-money laundering (AML) policies and ensure that your account is not compromised. But there are peer-to-peer (P2P) platforms that might permit small values of trades without verification.

How many Bitcoins can I purchase using M-Pesa?

Most exchanges allow you to purchase bitcoin in Kenya using as low a price as KSh 500. The minimum is actually determined by the platform you are using, however, most crypto apps enable you to purchase Bitcoin in fractions, meaning you do not have to buy a single BTC.

What is the most convenient crypto exchange in Kenya that use M-Pesa?

The following can be considered as some of the most profitable Bitcoin to M-Pesa purchases:

• Binance P2P (low charges, reputable amongst Kenyan traders)
• Paxful (peer to peer alternative)
• Yellow Card (regulated African exchange)

Can you purchase bitcoin in Kenya via M-Pesa?

Yes, it is secure provided you deal with trusted transactions and not with strangers. Two-factor authentication (2FA) should be turned on at all times and your Bitcoin must be stored in a secure wallet after you purchase it.

Is it possible to sell Bitcoin in Kenya and get money through M-Pesa?

Yes. There are also most exchanges where you can purchase Bitcoin using M-Pesa and sell Bitcoin in Kenya and transfer the money straight to your M-Pesa wallet. It occurs quickly and usually in a matter of minutes.

What is the price of Bitcoin in Kenya?

The Bitcoin price is directly exchanged in Kenyan Shillings (KES) on such exchanges as Binance, Paxful, or Yellow Card, and its price fluctuates in real time and is determined by the market price of other currencies.

Can I use M-Pesa in Kenya to purchase Bitcoin using a bank account?

No. The fact that you can purchase Bitcoin in Kenya without a bank account is one of the greatest benefits of M-Pesa usage. You just require a Safaricom M-Pesa account and registered number.

Will You Buy Bitcoin in Kenya with M-Pesa in 2026?

Absolutely! Purchasing Bitcoin in Kenya through M-Pesa is quick, secure and easy. M-Pesa simplifies the process whether you want to invest, trade or save in Bitcoin.

With Kenya still welcoming the use of digital finance, integrating cryptocurrency with mobile money is a revolution. Only to remember to do your trading in a responsible manner, to safeguard your assets, and to be aware of the most recent crypto regulation in Kenya.

This article is for informational purposes only and not financial advice.