PesaLink is a new approach to electronic payments. It is a real time 24-hour digital payment solution that allows for bank-to-bank transfers at a low cost.

it is easy to use, fast, convenient, secure and affordable.

PesaLink is available on our Online Banking, Mobile App and USSD Mobile Banking

a. Transacting on PESALINK using SCB Online Banking

In order to send out money through PESALINK, you must first create a beneficiary. Below step will be followed:

  1. Log into the SCB Online Banking page
  2. Mouse over the “Dashboard” menu
  3. Select the “Local Transfers” option.
  4. Once the Local transfers page is opened click on the “Add Beneficiary” link. The “Transfers / Add Local Beneficiary” page will be displayed.
  5. Select the “Beneficiary Type” as “Local Other bank Beneficiary
  6. Select “Account Type” as “Mobile Number” (You may also set up beneficiary using account type as “Account Number” in which case you will require account details of the beneficiary).
  7. Populate details of mandatory fields displayed as per account type selection. You may also populate the optional details.
  8. Check the displayed box to instruct whether beneficiary should be notified of transfers on email. If box is checked, e-mail address must be provided.
  9. Click on “Confirm” to review the details entered. If details are ok and you have understood the T&C, check on the tick box and click of “Confirm” to submit the request. Otherwise, you may click on “Back” to amend the details
  10. A One Time Password (OTP) will be sent on your registered mobile number. Enter the number and click “submit” to complete adding new beneficiary
  11. A SMS and e-mail notification will be sent confirming successful registration
  12. The name of the PESALINK beneficiary will appear under the Local Transfers page.
  13. To send out funds on PESALINK, just click on the “PESALINK – Pay to Mobile” link to send to Mobile, or click “Transfer RTGS/PESALINK” to send to Account of the corresponding beneficiary
  14. Select the beneficiary bank (for transfer to mobile)
  15. Check the PESALINK Radio Button (for transfer to account)
  16. Enter the amount you wish to send and the transfer reference then click next.
  17. Confirm the details, and then click “Submit” to complete the transaction. Payment notification will be sent to your registered mobile number and to the beneficiary. Funds will be Credit to bank account specified.

b. Transacting on PESALINK using USSD Mobile Banking

  1. Dial the USSD short code – *722# and enter your 6 digit PIN
  2. Select PesaLink option
  3. Select Send to Phone option to transfer fund using the mobile number of the beneficiary
  4. Select the “Self account” option to view the source account details to select the from account
  5. Select the From Account to transfer funds
  6. Enter the beneficiary/ recipient mobile number which must start with Country Code: 2547********
  7. Select the bank to transfer fund to
  8. Enter the amount to transfer
  9. Enter the reason for payment
  10. Confirm the details, if all the details are correct
  11. Acknowledgement screen – You can select Logout to exit, or you can select Go Home if wish to continue with fund transfer or request for any other services.


What is PesaLink?

PesaLink is a money transfer service from a local Kenya Shillings bank account to another local Kenya Shillings bank account in real-time. It is a collaboration between all local banks who are members of the Kenya Bankers Association (KBA) and is managed by Integrated Payment Services Limited (IPSL) which is a subsidiary of KBA. PesaLink is real-time, available 24/7 and you can transfer from as low as KES 10 to as high as KES. 999,999. It is also safe since it eliminates the use of cash as a mode of payment.

How do I access PesaLink?

Pesalink can be accessed via

  • SCB Online Banking
  • SCB Mobile Banking (App and USSD)
How do I send money through PesaLink?
  • Using online banking or mobile app, select local transfers and setup PesaLink beneficiary
  • Using USSD, dial *722# and select PesaLink
Can I send money to someone who is not registered?

Yes you can send money to another bank if the other person is not registered by using ‘Send to Account’ option. For ‘Send to phone’ option the recipient must be registered on PesaLink otherwise the transaction will fail.

Can I send money If I am not registered to PesaLink?

Yes you can send money to another bank if you have not registered on PesaLink.

Can I receiving Funds if am not registered to PesaLink?

Yes you can receive funds into your SCB account. The sender will require your 13 digits Account number.

Which currency will I use while sending money through PesaLink?

PesaLink will facilitate same currency Funds transfer from KES to KES only.

What are the PesaLink charges?
Transaction Amount Range Charge Amount
1 Kes 10- Kes 500 NIL
2 Kes 501- Kes 10,000 KES 40
3 Kes 10,001 – Kes50,000 KES 80
4 Kes 50,001-Kes 100,000 KES 120
5 Kes 100,001- Kes 200,000 KES 160
6 Kes 200,001 –Kes 500,000 KES 200
7 Kes 500,001-Kes 999,999 KES 250
Will I be charged to receive money on PesaLink?

No. Clients will not be charged to receive funds on PesaLink

Can I send money to someone who does not have a bank account?

No. PesaLink does not provide funds transfer or withdrawal to anyone without a bank account. This is scoped for in future phases of PesaLink service

Which Banks are part of PesaLink?

All Kenyan banks which are members of Kenya Bankers Association (KBA)

Apply Online

Click here to sign up now.

Apply Now

Call Us

Call our hotline for further information.

(020) 329 3900

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

You might also interested in

Online Banking

Standard Chartered Bank has been awarded the Best Global and Africa Consumer Internet Bank by Global Finance for 2012.

More details »
Online eStatements

Why e-statements are cool? With Standard Chartered Bank Kenya e-statements, you have control of when and where to receive your statements.

More details »
International Payment

Make your international payments anywhere anytime using Standard Chartered Bank Online Banking services.

More details »
Bill Payment

Our Bill Payment service provides you with secure and convenient ways of paying your bills.

More details »