How Long Does RTGS Take in Kenya? Time It Takes to Reflect

Before getting into the main concerns, let us begin by understanding what RTGS is. RTGS is an abbreviation for Real Time Gross Settlement. The settlement allows users to transfer money, or rather, securities, from one bank to another. RTGS payment, on the other hand, is a special type of payment where there is a transfer of money from one bank to another without necessarily taking a long period of time. That is one of the advantages of RTGS.

It takes a period of 2 hours for the RTGS process to take place. That is the minimum period of time. However, there is a cut off at 3:00 pm. The given period of time answers the question: how long does RTGS take in Kenya?

How long does RTGS take to reflect in Kenya?

Well, as a matter of fact, RTGS will take a minimum of at least 2 hours to reflect. The transaction is, however, settled without necessarily deducting other transactions.

RTGS limits in Kenya vary widely depending on the amount of money to be sent. For instance, smaller amounts will lead to smaller limits and higher amounts will lead to higher RTGS transfer limits.

Does RTGS work on Saturday in Kenya? No. Although RTGS works for 24 hours every day, it doesn’t work on Saturdays.


The big difference between EFT and RTGS in Kenya is that EFT is a bit slower. RTGS, on the other hand, is very fast and real-time.

RGTS Vs. Pesalink

The key difference between RTGS and Pesalink is that with RTGS, you have to physically visit the bank and fill in the forms. Pesalink, on the other hand, is very easy to use since the transactions are conducted online and from the comfort of your home, and it is not tiresome.


KCB RTGS gives users the chance to conduct transactions without necessarily charging them high fees. You can consider KCB RYGS as an option.

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Kenyans Consult

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