PayPal Kenya 2021: How to Open a Paypal Account

In this guide, I will show you how to create a PayPal Account in Kenya. We live in modern times, and these days, a PayPal account is like a bank account. It helps you receive money online and also buy goods and services with ease online.

Kenya has made significant strides when it comes to the world of the internet. Many people are already doing so much online, and you don’t need to be left behind.

We are going to create a PayPal account step by step.

So let us begin.

What is PayPal?

In its purest form, PayPal is a service that enables you to pay, send money, and accept payments without revealing your financial details. In this digital era, sending and receiving money online is crucial, and that is where PayPal comes in. You can send and receive payments online while in Kenya. When you work online, you can get paid through PayPal.

Types of PayPal account?

You should know that there are two types of PayPal accounts that anyone can operate. These are PayPal Personal Account and PayPal Business Account.

Here is a brief description of the two:

  1. Personal Account – This type of account allows you to shop in Kenya and worldwide, whether on a computer or mobile. It is best suited for individuals, and this is the type of account we will use.
  2. Business Account – This account is best suited to sell online and accept payments through PayPal. You can always upgrade your account to a business account.

We are going to set up a Personal Account in this guide. Most people start with it.

How to set up a PayPal account in Kenya

Now that you know what PayPal is all about, let us go ahead and create PayPal Account in Kenya online.

Step 1 – Visit the PayPal website.

The first step to access PayPal in Kenya is to create an account on For a smooth experience, I advise you do this on a computer. Most of the screenshots below are from a computer.

Visit, and on the top right, you will see the button Sign Up.

Step 2 – Choose an account type.

In this step, select the personal account type and click on the blue button labeled continue. Most people operate a personal account. If you want to set up an account that will receive money online, you can start with a personal account then upgrade to a business account later.

Step 3 – Provide your details.

This step is the most crucial step where you fill out a form with your details. You will notice the country is already selected for you (Kenya). If not, choose Kenya from the drop-down.

Fill out your account details and make sure you have access to the email address you input. This is because of PayPal; your email is used as an account name and number.

Step 4 – Verify your details.

In this step, you will see another form where you input more details about yourself. On the second row, you will see Driver’s License Selected. If you don’t have one, click on the drop-down and select National ID or Passport.

You are safe to skip the boxes marked with an optional tag.

Don’t check the box that says, “Stay logged in for faster checkout.” but check the last box to agree to PayPal’s terms and conditions.

Ensure you confirm all the details before clicking on the Agree and Create Account Button if everything seems fine to go ahead and click the button.

Step 5 – Done

You are done, you have successfully opened a PayPal Kenya account, and you will see a message telling you that you are now done.

From here, there are two options on what you can do next.

  1. Link your card with PayPal to verify the account.
  2. Skip and go to your Dashboard

Let’s Skip for now and link our Card later.

At this stage, the most important thing you can do is to confirm your email address. During account creation, PayPal asked you for an email address, and they have sent a link to confirm the email.

Log in to the email account you provided and click on it to confirm your email address.

How to link your Card

Now that you have an account, PayPal will limit the amount of money you transact until you link and verify a valid credit card.

PayPal accepts all the Kenyan banks’ ATM cards, whether Visa or MasterCard. You can contact your bank to be sure if they allow that.

Since we skipped this step, here is how to do it once you are on your PayPal Dashboard.

  1. Navigate to the summary tab if not on it
  2. On the left sidebar, you will see the Bank accounts and cards Section. Click on Add a Bank account or card. This will take you to your wallet.
  3. Skip the Adding a bank button and click on the Link a Card button. If you have a card, enter the details of your card. Your full name is displayed on the Card. The Card Number is the Big numbers (not your account number if using ATM), CSC is the last three numbers on the back of your card.
  4. After you click save, PayPal will debit your card; they deduct about Ksh 250, which they refund later after completing the steps.
  5. If it is successful, they will need a code to confirm the card. They can send this code to your phone if your account is connected to your phone. If not, visit the bank and ask for the PayPal code sent to your number.

That is it; you are now the owner of a brand new PayPal account in Kenya.

How to link PayPal to M-Pesa

Now that you have an account let us go ahead and link it to M-Pesa. Mpesa allows you to top-up your PayPal account in Kenya easily and fast.

You can also withdraw to your M-Pesa from PayPal within minutes, and the rates are not bad at all.

For this service to be successful, you need to have an active M-Pesa enabled Safaricom line and the PayPal account created as Kenyan.

So here is how to link your PayPal account to your M-Pesa;

  1. Visit the PayPal Mpesa website here.
  2. Click on the big ‘Get Started’ button. Doing this will open a popup where you log in to your PayPal account.
  3. Agree to the privacy policy.
  4. Enter your phone number, which is registered for M-PESA
  5. A code will be sent to your phone; use it to enter the website and complete the steps.

That is it.

Just visit this website ( anytime you need to top up your PayPal account using M-Pesa or Withdraw from your PayPal account MPESA, and you will be sorted.

Anne Katana
I am from the Kenyan Coast and currently in Nairobi. I studied history, and now I do blogging for a living. I like to share my passion for Kenya and my experiences with other people in Kenya and abroad. So welcome to Nasonga (I am Moving).



Ultimate Guide to Making Money Online in Kenya

This article will show you some of the latest genuine ways of earning money online in Kenya. When I tried to explain how she...

20 Online Jobs for Students in Kenya

There are many online jobs for students in Kenya today. However, finding a genuine "side hustle" has proven to be a difficulty to many....

How to Transfer Money from Skrill to M-Pesa

Skrill made things easier for us when they introduced the Skrill to Mpesa wallet on their platform. We are going to show you how to...