Kenya 🇰🇪
Transfer funds to Kenyan Bank Accounts.
Feature Request
Transfers to Kenyan bank accounts are not available by default. To enable this feature, submit a request.
Prerequisites
- Complete your KYC verification and confirm that your account is approved for transactions.
- Whitelist your server IP address to prevent security errors.
- Fund your KES balance. You can do this by:
- Directly funding via collections, this method allows funding up to the equivalent of $1,000.
- Indirect funding via FX conversion from a different currency balance (i.e., wallet-to-wallet transfers).
Basic terminology
- Sender: This is the merchant or individual initiating the transfer. Some of their details are required to complete the payouts.
- Beneficiary: This is the individual receiving the transfer.
Payout Flow
KES bank transfers on Flutterwave are straightforward. Simply follow these steps to make these transfers:
- Collect the sender and beneficiary's information. Some important information to collect includes the account information, the sender's name, and the address.
{
"account_number": "", // merchant_input
"account_bank": "", // merchant_input
"narration": "", // merchant_input
"amount": 0.0, // merchant_input
"currency": "", // merchant_input
"beneficiary_name": "", // beneficiary_information
"meta": [
{
"beneficiary_address": "", // beneficiary_information
"sender_city": "", // sender_information
"is_cash_pickup": false,
"beneficiary_country": "", // beneficiary_information
"sender_id_number": "", // sender_information
"sender_id_type": "", // sender_information
"sender": "", // sender_information
"email": "", // sender_information
"sender_id_expiry": "", // sender_information
"sender_mobile_Number": "", // sender_information
"sender_date_of_birth": "" // sender_information
}
]
}
- Fetch the beneficiary's bank code using the bank and bank branches endpoints to get the
account_bank. - Send your payment request with all the needed transfer information to the transfers endpoint to create the payout.
{
"account_bank": "11",
"account_number": "2332128829",
"amount": 400,
"narration": "Example KE Bank Transfer",
"currency": "KES",
"reference": "EX001",
"beneficiary_name": "Flutterwave Developers",
"meta":[{
"beneficiary_address": "221B Baker Street",
"beneficiary_mobile_number":"020828661",
"email":"[email protected]",
"sender_id_number":"928929832",
"sender_id_type":"04"
}]
}
A key parameter to note is sender_id_type, which specifies the type of identification required to verify the sender. Below are the supported identification types and their corresponding codes:
| Identification Type | Code |
|---|---|
| International Passport | 01 |
| Driving License | 02 |
| ID Card | 03 |
| Voter Carc | 04 |
| Labour Card | 05 |
| Bar Association Card | 06 |
| Defence Personnel Identity | 07 |
| Govt. Id | 08 |
| Other | 09 |
| Pan Card | 10 |
| Ration Card (with photo) | 11 |
| IBL Customer | 12 |
| Iqama | 13 |
| Citizenship card | 14 |
| Federal ID | 15 |
| Military identification card | 16 |
| Commercial Registration | 17 |
| CNIC | 18 |
| Work Permit | 19 |
| Birth Certificate | 20 |
| Business registration/license | 21 |
| Social security | 22 |
| Student ID | 23 |
| Border Paper | 24 |
| Royal decree | 25 |
| License Permit | 26 |
| GCC identity document | 27 |
| Saudi Family Book | 28 |
| Entry permit | 29 |
| National ID | 30 |
You'll get a response like this:
{
"status": "success",
"message": "Transfer Queued Successfully",
"data": {
"id": 1231828,
"account_number": "2332128829",
"bank_code": "11",
"full_name": "King James",
"created_at": "2025-02-12T11:46:17.000Z",
"currency": "KES",
"debit_currency": "NGN",
"amount": 400,
"fee": 45,
"status": "NEW",
"reference": "EX001",
"meta": [
{
"BeneficiaryAddress": "221B Baker Street",
"BeneficiaryMobileNumber": "020828661",
"EmailAddress": "[email protected]",
"SenderIdNumber": "928929832",
"SenderIdType": "04",
"MobileNumber": "020828661"
}
],
"narration": "Example KE Bank Transfer",
"complete_message": "",
"requires_approval": 0,
"is_approved": 1,
"bank_name": "Co-operative Bank of Kenya Limited"
}
}
-
Verify your transfer status; there are many ways to do this:
- You can get the transfer status using the transfer status endpoint.
- If
webhooksare enabled on your dashboard, check them to confirm the transfer status. - For transfers with
callback_id, we'll send the transfer details with their status using the specified URL.
{
"event": "transfer.completed",
"event.type": "Transfer",
"data": {
"id": 1231828,
"account_number": "2332128829",
"bank_name": "Co-operative Bank of Kenya Limited",
"bank_code": "11",
"fullname": "King James",
"created_at": "2024-07-29T11:36:14.000Z",
"currency": "KES",
"debit_currency": "NGN",
"amount": 400,
"fee": 45,
"status": "SUCCESSFUL",
"reference": "EX001",
"meta": [
{
"Sender": "Flutterwave Developers",
"SenderCountry": "NG",
"SenderAddress": "Gotham III"
}
],
"narration": "Example KE Bank Transfer",
"approver": null,
"complete_message": "Successful",
"requires_approval": 0,
"is_approved": 1
}
}
{
"status": "success",
"message": "Transfer fetched",
"data": {
"id": 1231828,
"account_number": "2332128829",
"bank_code": "11",
"full_name": "King James",
"created_at": "2024-07-29T11:36:14.000Z",
"currency": "KES",
"debit_currency": "NGN",
"amount": 400,
"fee": 45,
"status": "SUCCESSFUL",
"reference": "4d2ba109f22cd912",
"meta": [
{
"sender": "Flutterwave Developers"
}
],
"narration": "Example KE Bank Transfer",
"approver": null,
"complete_message": "Successful",
"requires_approval": 0,
"is_approved": 1,
"bank_name": "Co-operative Bank of Kenya Limited"
}
}
Check our testing guide for details on testing transfers.
Updated 2 days ago