Kenya

🚧
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).

Payout Flow

Here are the steps to send money to Kenyan bank accounts.

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 webhooks are 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"
	}
}

Testing Transfers

Check our testing guide for details on testing transfers.