2021's Best M-PESA Casinos Online

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M-PESA is an extremely popular online casino method that has taken the industry by storm. It’s a very functional, convenient and easy to use payment method supported in a number of top Kenya and international online casinos. The service is becoming so popular and influential that it’s quickly growing into a crucial fabric of the Kenyan industry, with many top gambling sites already offering it in their banking sections. Read our M-PESA page and learn everything you need to know about this revolutionary method. We'll start you off with our list of the best M-PESA casinos online.

Top M-PESA Online Casinos

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m-pesa online casinosWhat is M-PESA?

Launched in 2007, M-PESA is a mobile money service launched by Vodafone for Safaricom and Vodacom. It’s one of the best and most successful mobile-phone-based payment services in the world and is often praised for its contribution to reducing crime and helping the economy in many cash-based African countries, including Kenya. 

The service is regarded as a vital part of the Kenyan economy and industry, with over 20 million subscribers in the country alone. To put it into perspective, M-PESA transactions from a few years ago were valued at almost half the value of the country’s GDP, putting M-PESA at first place as the most successful Kenyan product. The service is widely accepted in many online casinos and sports betting sites, giving millions of Kenyan users the opportunity to use this service when playing online. 

How Does M-PESA Work?

In order to use M-PESA, you need to be a Vodafone customer or a Safaricom customer in Kenya. As we’ve previously mentioned, you don’t need a bank account, but you will have to provide an ID and complete other important registration documents. The way that M-PESA works is that the mobile money account of each customer is linked to their mobile phone number. Each transaction is made by phone, enabling you to make quick transactions at mobile casinos.

Betway Casino - One of the Best Kenya Casinos Accepting M-PESA

With every passing day, the number of casinos that accept M-PESA grows larger in numbers. Out of the many Kenya online casinos that already accept this widely popular payment service, Betway Casino is certainly among the very top. Betway is one of the most reputable companies in the industry as well as one of the most trustworthy ones.

Betway offers everything you would look for in an online casino, from a huge selection of slots table games and video poker casino games to a fantastic live casino platform offering non-stop action. Besides M-PESA, the casino accepts a number of different payment methods and several top currencies. It offers a very solid welcome bonus and regular promotions that make playing at the casino well worth it.

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How to Use M-PESA at Online Casinos

As a payment service that allows its users to deposit and withdraw money from online casinos without having a bank account, M-PESA has proven to be one of the best payment solutions in emerging markets, such as Kenya. We’ve researched every aspect of M-PESA to bring you the best guide on how to use M-PESA in Kenyan online casinos like William Hill.

Below, we will cover all of the things you need to know when using M-PESA, starting with funding your M-PESA account and depositing into an M-PESA casino and all the way to withdrawing money using this payment method.

How to Deposit Cash into Your M-PESA Account

Before you could use M-PESA as your designated online casino payment method, you will first need to fund your M-PESA account. To deposit money into your M-PESA account you will need to:

  1. Visit an authorized M-PESA agent with your phone and ID
  2. Inform the agent how much you want to deposit
  3. The agent will top up your account with e-money
  4. Once this is completed, you will receive an SMS from M-PESA confirming the transaction

How to Deposit into a Kenya Online Casino Using M-PESA

After you’ve funded your M-PESA account, you can deposit and start playing in any Kenya casino that supports this payment method. M-PESA allows casino players to deposit into their favorite online casino in just a few simple steps. Here’s how you can make a deposit into a Kenya online casino with M-PESA:

  1. Go to M-PESA on your smartphone device
  2. Select the ‘Lipa na M-PESA’ option
  3. Choose the ‘Pay Bill’ option
  4. Enter the necessary information
  5. Type in the amount you wish to deposit
  6. Enter your M-PESA PIN to finish the transaction
  7. Once the transaction is complete, you will receive a confirmation SMS from M-PESA

How to Withdraw From a Kenya Online Casino Using M-PESA

What makes M-PESA so revolutionary and innovative compared to other mobile payment services is that it allows its users to not only deposit but also withdraw money using the M-PESA service. Here’s how to withdraw money from an online casino using M-PESA:

  1. Go to your casino’s cashier section
  2. Choose the withdrawal options and select M-PESA when prompted
  3. Enter all of the necessary information
  4. Complete the withdrawal process
  5. Once the casino processes your request, the e-money will be transferred to your account within minutes
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Is M-PESA Safe to Use?

m-pesa secure payments

M-PESA is completely safe to use and regulated by government jurisdiction in every country it operates in. What makes M-PESA so safe is that it works digitally and in real time, making it much safer than some other traditional informal money transfer services. When you make a payment into your M-PESA account, your cash is digitally represented by ’mobile money’, a currency that operates similarly to cryptocurrencies in bitcoin casinos, meaning that it has no intrinsic value except in M-PESA. This mobile money is kept in trust accounts, fenced out bank accounts which no one can access except the company.

While there isn't a lot of information about the inner workings of the M-PESA internal security system, the service is pretty transparent when it comes to transactions. Each and every transaction can be monitored by providers in order to be checked for anti-money laundering and any suspicious activity. 

The service is very secure overall, as it operates in a fairly straightforward way, without many steps included. Since everything runs through a mobile carrier, your transactions are safe at all times. The only way your information can be stolen is if your mobile device falls into the wrong hands, and even then they would need to input your 4-digit PIN in order to get in.

Are there Any Fees or Charges For Using M-PESA?

m-pesa fees

M-PESA does charge certain fees every time you make a deposit, a withdrawal, or when sending money. While the fact that players are charged fees for every M-PESA transaction may deter some users from trying out this service, we have to mention that the fees are minimal compared to the overall transaction amounts. 

Check the table below for a more comprehensive look on the M-PESA transaction fees. For reference, we have used the maximum limits M-PESA allows per each type of transaction, which inherently come with higher fees than lower transaction amounts.

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M-PESA transaction Fees

Type of Transaction

Transaction Amount

Transaction Fee

Withdrawal from M-PESA Agent

KSh 70,000

KSh 300

Transfer to Unregistered Users

KSh 70,000


Transfer to other M-PESA Users

KSh 70,000

KSh 105

Transfer to other Mobile Money Users

KSh 70,000

KSh 105

ATM Withdrawal

KSh 20,000

KSh 197

Advantages of Using M-PESA

M-PESA is singlehandedly changing how we look at the online gambling industry in Kenya. Although the service is just getting into its stride and is still trying to expand into other markets, Kenyan players can already enjoy all of the benefits it offers. Some of the biggest advantages of using M-PESA are:

Ease of Banking

M-PESA has helped to change how we look at the banking system in Kenya and several other countries around the world. With a design that allows users to make quick and safe transactions, M-PESA is very simple to use, even if you don’t have any experience with mobile payment services. Deposits and withdrawals are extremely quick and convenient, as you don’t have to do much in order to make a deposit or withdrawal transaction. 

Extremely Safe and Secure

One of the main reasons why M-PESA is so popular is that it’s extremely secure. Every transaction is protected and signed with a unique PIN. What makes M-PESA so safe is that it is regulated by the financial government services regulator of each country in which it operates. In addition to this, since every M-PESA transaction is electronic, it can be monitored by Vodafone through the company’s own bank-grade anti-money laundering system.

Hugely Popular

M-PESA has already established its place as the premier payment method in Kenya. Although the primary focus of this page is to determine how M-PESA works in online casinos, M-PESA users can use this payment service on a number of different websites and businesses, including shopping sites like AliExpress. Besides Kenya, the service is hugely popular in Tanzania, India, Egypt and Ghana. As M-PESA continues to expand its service, there’s no doubt that more and more online casinos will start adding this payment method to their sites, which will provide the players with even more options to choose from.

Disadvantages of Using M-PESA

M-PESA is a fantastic online payment method with a lot of great features. With that being said, just like any other popular payment method out there, M-PESA also has its drawbacks. They are not that glaring and certainly not that significant to turn you off of the service, but you should be aware of them no matter what. 

Relatively Low Limits

While M-PESA is extremely easy to use and convenient, it does come with one major flaw. This is regarding the maximum limits per single transaction, as well as maximum amounts per day. The maximum limit per single transaction is set at 70,000 KSH, while the maximum daily transaction value stands at 140,000 KSH, which is not that much compared to some other top payment methods in the industry. This also means that M-PESA might not be the best choice if you’re a high-roller who likes to go big when playing online. 

What Casino Payment Options are there Besides M-PESA?

M-PESA is undoubtedly one of the most user-friendly casino payment services for Kenyan casino players, but also players from all corners of the globe. With that said, it may not be the best choice for every online casino player. This may be due to the slightly lower limits it supports compared to some other payment methods, or simply due to the fact that some players don’t want to sign up with Safaricom. That’s why we’re bringing you the best payment methods that you could use in cases when M-PESA isn’t the best choice. Here are the top three M-PESA alternatives:

  • Visa
  • MasterCard
  • Airtel Money

One thing that you should keep in mind when signing up with an online casino is that not all Kenyan online casinos offer the same payment methods, so in certain casinos, some of these payment methods won’t be available. That’s why it’s always a good idea to check the casino’s payment policy before signing up and trying to make a deposit.

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Is M-PESA safe?
M-PESA is a part of Vodafone, one of the biggest telecommunication companies in the world. As such, it’s held to a very high standard and licenced to operate in every market in which it offers its services. Besides this, M-PESA is inherently very safe simply due to the way it operates, eliminating any possibilities of outside attacks or information leaks.
Where is M-PESA available?
M-PESA first launched in Kenya and is still the most popular in this country compared to other markets. Besides Kenya, the service is available in big markets like India, Romania and Egypt and a number of other African countries including Tanzania, Lesotho, Ghana, DRC and Mozambique.
What are the best M-PESA online casinos?
A lot of Kenya online casinos accept M-PESA in their cashier sections and going by the fact that Kenya is the third largest gambling market in Africa, after South Africa and Nigeria, Kenyan casino players have a big selection of online casinos to choose from.  This includes reputable international online casinos like Betway and 888casino.