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Bank Transfer Comparison

Compare PesaLink, RTGS, and EFT fees across Kenya

CHEAPEST

EFT

Electronic Funds Transfer - batch processing

Ksh 50
1-3 business days
No limit

Pros

  • Cheapest option
  • Good for scheduled payments
  • No upper limit

Cons

  • Slowest option (1-3 days)
  • Batch processing
  • Not ideal for urgent transfers

PesaLink

Instant bank-to-bank transfers

Ksh 60
Instant (24/7)
KES 999,999 per transaction

Pros

  • Instant transfers 24/7
  • Works on weekends/holidays
  • All major banks supported

Cons

  • Higher fees for large amounts
  • KES 1M daily limit

RTGS

Real-Time Gross Settlement for large amounts

Ksh 300
Same day (business hours)
KES 1,000,000+ recommended

Pros

  • Best for large transfers
  • Same-day settlement
  • No upper limit

Cons

  • Business hours only (8am-3pm)
  • Not available weekends
  • Flat fee structure

💡 Recommendation

Use PesaLink if you need instant transfer, or EFT if you can wait 1-3 days and want to save on fees.