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M-Pesa vs Revolut
M-Pesa and Revolut are both payment receiving platforms. On a $1,000 payment you keep about $1,000 on M-Pesa and $1,000 on Revolut, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $1,000 on M-Pesa and $1,000 on Revolut, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only M-Pesa offers Cash agents. Only Revolut offers Debit card.
- M-Pesa is the older platform — founded in 2007, 8 years before Revolut (2015).
- M-Pesa is based in Kenya, Revolut in United Kingdom.
Which should you choose?
Choose M-Pesa if…
- You want to withdraw via Cash agents.
- You prefer a long track record (since 2007).
Choose Revolut if…
- You want to withdraw via Debit card.
Side by side
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M-Pesa
The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small busines…
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Revolut
A financial super-app with multi-currency accounts - freelancers receive international payments and hold, exch…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | No | Yes |
| Fees | Free deposits, tiered P2P and agent withdrawal fees | Free standard plan, ATM/FX fees beyond allowances |
| Withdraw via | Cash agents, Bank transfer | Bank transfer, Debit card |
| Availability | Kenya + 7 African markets | UK, Europe, US, and more |
| Local to | Kenya, Tanzania | — |
| Founded | 2007 | 2015 |
| Headquarters | Nairobi, Kenya | London, United Kingdom |
| Popularity | 54 views · 0 likes | 42 views · 0 likes |
Frequently asked questions
Which is cheaper, M-Pesa or Revolut?
On a $1,000 payment you keep about $1,000 on M-Pesa and $1,000 on Revolut, before withdrawal or currency-conversion costs.
Where are M-Pesa and Revolut available?
M-Pesa: Kenya + 7 African markets. Revolut: UK, Europe, US, and more.