The National Bank of Kenya (NBK) offers its customers an easy and efficient way to transfer money from their National Bank accounts to Mpesa. This service allows you to move funds quickly using a *USSD code (625#) or through the NatMobile App for seamless transactions. However, understanding the transfer charges for this service is crucial for budgeting and financial planning. This article will provide you with a comprehensive breakdown of the National Bank to Mpesa transfer charges in Kenya as of 2025.
How To Transfer Money from National Bank to Mpesa
To initiate a National Bank to Mpesa transfer, follow these simple steps:
Via USSD Code:
- Dial *625# from your mobile phone.
- Follow the prompts to complete your transfer from National Bank to Mpesa.
Via NatMobile App:
- Open the NatMobile App on your smartphone.
- Navigate to the Mpesa transfer section.
- Enter the amount you wish to send and follow the prompts to confirm the transaction.
The USSD method and NatMobile App are convenient, ensuring that users can transfer money at any time and from anywhere, as long as they have access to the network.
National Bank to Mpesa Transfer Charges Breakdown
The charges for transferring money from National Bank to Mpesa vary depending on the amount being transferred. Here’s a detailed breakdown of the National Bank Mpesa transfer charges:
| Transaction Range (Ksh) | Charges (Ksh) |
|---|---|
| 1 – 100 | Free |
| 101 – 500 | 10 |
| 501 – 1,000 | 12 |
| 1,001 – 1,500 | 14 |
| 1,501 – 2,500 | 23 |
| 2,501 – 3,500 | 33 |
| 3,501 – 5,000 | 43 |
| 5,001 – 7,500 | 55 |
| 7,501 – 10,000 | 60 |
| 10,001 – 20,000 | 60 |
| 20,001 – 150,000 | 67 |
Detailed Breakdown of Charges
- Small Transfers (Ksh 1 – Ksh 100):
Transfers within this range are free. This is ideal for customers who want to send small amounts of money without incurring any charges. - Medium Transfers (Ksh 101 – Ksh 500):
For amounts between Ksh 101 to Ksh 500, the charge is Ksh 10. This is a reasonable charge for customers who need to send moderate sums of money to their Mpesa accounts. - Larger Transfers (Ksh 501 – Ksh 1,000):
The charge for this range increases slightly to Ksh 12, which is still quite affordable for many customers. This range covers a large portion of daily transactions for most people. - Slightly Larger Transfers (Ksh 1,001 – Ksh 1,500):
Transfers between Ksh 1,001 and Ksh 1,500 come with a charge of Ksh 14. For customers who frequently transfer within this range, this is a fair and manageable fee. - Mid-High Range Transfers (Ksh 1,501 – Ksh 2,500):
The charge for transfers in the Ksh 1,501 to Ksh 2,500 range is Ksh 23. While this is a moderate increase in fees, it still remains affordable for those needing to send higher amounts. - Higher Transfers (Ksh 2,501 – Ksh 3,500):
This range incurs a fee of Ksh 33. The fee reflects the higher value being transferred and remains quite competitive compared to other banks’ transfer fees. - Large Transfers (Ksh 3,501 – Ksh 5,000):
A transfer between Ksh 3,501 to Ksh 5,000 incurs a charge of Ksh 43. This is an ideal range for people making relatively large transactions on a regular basis. - Very Large Transfers (Ksh 5,001 – Ksh 7,500):
For even larger amounts, transfers will be charged Ksh 55. This fee is still reasonable considering the amount being transferred and the convenience of using mobile money services. - Big Transfers (Ksh 7,501 – Ksh 10,000):
For customers who need to transfer Ksh 7,501 to Ksh 10,000, a charge of Ksh 60 will apply. This fee is common for mid-range large transactions. - Very Large Transfers (Ksh 10,001 – Ksh 20,000):
The charge for amounts between Ksh 10,001 to Ksh 20,000 is also Ksh 60. For these larger sums, the charge remains consistent, offering good value for high-value transactions. - Extremely Large Transfers (Ksh 20,001 – Ksh 150,000):
The fee for transferring between Ksh 20,001 to Ksh 150,000 is Ksh 67. This is the highest transfer fee in the range but remains competitive for customers making significant financial transactions.
Other Information You Should Know
- Transaction Processing Time:
One of the key benefits of using the National Bank to Mpesa transfer service is the quick turnaround time. Most transactions are processed within 24 hours, ensuring that you can access your money promptly. - Transfer Methods:
Transfers can be made either through the *USSD code (625#) or via the NatMobile App, making it incredibly convenient for all customers, regardless of their access to smartphones or internet connections. - Flexibility:
National Bank’s transfer service allows for both small and large amounts, making it suitable for both personal and business use. Whether you’re sending small amounts for personal use or large sums for business transactions, the service is adaptable to your needs.
The National Bank of Kenya offers a convenient and affordable way for its customers to transfer funds to their Mpesa accounts. With reasonable transfer fees, a quick processing time, and the flexibility to send a wide range of amounts, this service is an excellent choice for anyone who needs to move money between accounts quickly and efficiently. Whether you’re transferring small amounts or large sums, National Bank’s Mpesa transfer charges remain competitive and convenient.
