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#4 of 5 measured for payout speed

Melbet M-Pesa withdrawals

Fast Tested 16 October 2026 Licence on their site, read 6 November 2026

average time to the M-Pesa SMS

5 min
3-withdrawal minimum met
Paid out
100%
Withdrawals requested
7 (7 paid, 0 failed)
Fee seen
Varied between runs
Fastest / slowest
3 min / 10 min
First / last run
29 September 2026 / 16 October 2026
Tested by
Oscar N.

Tested with real money

Melbet tested with real money

9 tests, 29 September 2026 to 16 October 2026, by Oscar N. (independent tester based in Kenya, paid a fixed fee per test by HarakaRank whatever the result). 7 of 9 ended with money on M-Pesa, 2 bet lost with nothing left to withdraw.

Time to the M-Pesa SMS
3 to 10 min2 to 5 min: 5 tests · 6 to 15 min: 2 tests
Taken at withdrawal
Under 1 KES: the amount was rounded down to the shilling
Extra check before paying
One-time code by SMS (2 of 7 withdrawals)
Bet before withdrawing
Yes: a withdrawal was refused for lack of a bet
M-Pesa cost on deposit
None
Account used
Opened 29 September 2026
  • 30 September 2026 Melbet refused a withdrawal of an unplayed deposit and gave its rule.
    “You cannot withdraw funds in the amount of 247.95 KES (The security department reserves the right to decline withdrawal requests if deposit or withdrawal amount(s) do not correspond to the stakes of bets placed (to be able to withdraw funds the deposit amount must be wagered in full in bets with odds of at least 1.1). Criteria for withdrawal approval is the amount of bets placed within the deposit in question.)”
    • Operator's transaction history
  • 29 September 2026 A 380 KES bonus was credited with the first deposit.
    “380.00 KES bonus credited to account”
    • Operator's transaction history
  • 30 September 2026 The tester reports having to decline the bonus before a withdrawal was accepted. Tester's report, no screenshot.
  • 30 September 2026 Melbet sent a promotional SMS for a 50% bonus on a third deposit.
    “The bonus of 50% of the deposit? It’s not a joke - all you need to do is make the 3rd deposit.”
    • One-time code SMS
  • 1 October 2026 Withdrawals were paid by MELBET B2C (test 2) and GAMETOSHA B2C (test 3). M-Pesa charged nothing on the three deposits.
    • M-Pesa SMS, withdrawal (test 2)
    • M-Pesa SMS, withdrawal (test 3)
  • 4 October 2026 Winnings reached the balance about 5% lighter than the bet slip showed (212.61 KES won, 202.35 KES withdrawable; 221.16 and 209.95; 239.40 and 227.05). Melbet labels the difference nowhere in its history.
    • Operator's transaction history
  • 16 October 2026 In tests 7 to 9 deposits went to GAMETOSHA 2 and MELBET, and M-Pesa charged nothing. Both withdrawals were paid by MELBET B2C.
    • M-Pesa SMS, deposit (test 1)
    • M-Pesa SMS, deposit (test 2)
  • 15 October 2026 Winnings again reached the balance about 5% lighter than the bet slip showed (216.60 KES won, 206.15 KES withdrawable; 223.25 and 211.85).
    • Operator's transaction history
    • Operator's bet history

Each test as recorded by Oscar N. Times are read to the minute, from the withdrawal request to the M-Pesa SMS.

Test Deposit Bet Withdrawal Time Proof
1. 29 September 2026
Afternoon
KSh 250 M-Pesa cost none credited KSh 237.50 (KSh 12.50 less) to MELBET KSh 200 at 1.406lost No withdrawal Bet lost; 37.50 KES stayed on the account. Deposited in two M-Pesa payments, 200 and 50 KES. -
  • Operator's transaction history
2. 30 September 2026
Evening
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to MELBET KSh 261 at 1.148won Paid KSh 284.05 → KSh 284 on M-Pesa (KSh 0.05 less) paid by MELBET B2C · ref UIU2F8••MH A first request for 247.95 KES at 17:42, before the bet, was refused. 3 min22:20 → 22:23OTP asked
  • M-Pesa SMS, withdrawal (test 2)
  • M-Pesa SMS, deposit (test 2)
  • Operator's transaction history
  • One-time code SMS
3. 1 October 2026
Morning
KSh 211 M-Pesa cost none credited KSh 200.45 (KSh 10.55 less) to GAMETOSHA KSh 201.26 at 1.2won Paid KSh 228.95 → KSh 228 on M-Pesa (KSh 0.95 less) paid by GAMETOSHA B2C · ref UJ12F8••3N 5 min06:46 → 06:51OTP asked
  • M-Pesa SMS, withdrawal (test 3)
  • Operator's transaction history
  • One-time code SMS
4. 2 October 2026
Evening
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to GAMETOSHA KSh 190 at 1.119won Paid KSh 202.35 → KSh 202 on M-Pesa (KSh 0.35 less) paid by GAMETOSHA B2C · ref UJ32F8••1R 10 min3 Oct, 05:22 → 05:32
  • M-Pesa SMS, withdrawal (test 1)
  • Operator's transaction history
5. 3 October 2026
Afternoon
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to MELBET KSh 190 at 1.164won Paid KSh 209.95 → KSh 209 on M-Pesa (KSh 0.95 less) paid by GAMETOSHA B2C · ref UJ32F9••KZ 3 min21:28 → 21:31
  • M-Pesa SMS, withdrawal (test 2)
  • Operator's transaction history
6. 4 October 2026
Night
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to MELBET KSh 190 at 1.26won Paid KSh 227.05 → KSh 227 on M-Pesa (KSh 0.05 less) paid by GAMETOSHA B2C · ref UJ42F9••SA 4 min07:47 → 07:51
  • M-Pesa SMS, withdrawal (test 3)
  • Operator's transaction history
7. 14 October 2026
Evening
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to GAMETOSHA 2 KSh 190 at 1.14won Paid KSh 206.15 → KSh 206 on M-Pesa (KSh 0.15 less) paid by MELBET B2C · ref UJF2FA••7V 4 min15 Oct, 03:30 → 03:34
  • M-Pesa SMS, deposit (test 1)
  • Operator's transaction history
  • M-Pesa SMS, withdrawal (test 1)
8. 15 October 2026
Night
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to MELBET KSh 190 at 1.175won Paid KSh 211.85 → KSh 211 on M-Pesa (KSh 0.85 less) paid by MELBET B2C · ref UJF2FA••LU 6 min16:48 → 16:54
  • M-Pesa SMS, deposit (test 2)
  • Operator's transaction history
  • M-Pesa SMS, withdrawal (test 2)
9. 16 October 2026
Afternoon
KSh 200 M-Pesa cost none credited KSh 190 (KSh 10 less) to GAMETOSHA 2 KSh 190 at 1.225lost No withdrawal Bet lost, nothing left to withdraw. -
  • M-Pesa SMS, deposit (test 3)
  • Operator's transaction history
  • Operator's bet history

9 tests are a sample, not a verdict: they say what happened on those days, on one account and one line. Personal details are hidden on every screenshot. How the tests are run.

Every tested operator side by side: real-money tests. 18+.

Licence

Licence BK.0001174 as printed on Melbet's own site, read on 6 November 2026, in the name of GAMETOSHA LTD. Regulator: Gambling Regulatory Authority of Kenya (GRA). This is the licence the operator publishes, not a register entry.

“MELBET KENYA is owned by GAMETOSHA LTD and licensed by the BCLB under the lotteries and gaming act cap 131 laws of KENYA under license number BK.0001174, and casino operations under public gaming license number PG.0001176.”

Melbet's own words, read on Melbet's own page on 6 November 2026 · regulator as Melbet names it: “BCLB”.

What Melbet declares on its own site

Welcome offer

“200% FIRST DEPOSIT BONUS OF UP TO 25,700 KES”

  • Minimum deposit: The minimum deposit required to receive the bonus is 130 KES.
  • Wagering: Switch to your bonus account and wager 8 times the bonus amount in accumulator bets. Each accumulator bet must contain 3 or more selections. At least 3 selections in each accumulator must be at odds of 2.10 or higher.
  • One bonus per customer: Each customer is entitled to receive only one bonus.

Read on the operator's page on 6 November 2026 · Read on melbet.ke on 18 October 2026 from Kenya. The bonus rules page states no expiry date for the bonus itself.

Payment methods

  • Bank cards (Visa, Mastercard)
  • E-wallets (Astropay, Jeton, Perfect Money, Sticpay, Airtm, and Skrill)
  • Mpesa
  • airtel
  • Other payment systems (Ecopayz, Neteller)
  • Cryptocurrencies (Bitcoin, Litecoin, Ethereum, and 28 others)
  • Game Items
  • Jeton Cash

Read on the operator's page on 16 September 2026

Products

  • Sports
  • Live
  • Casino
  • Live Casino
  • Virtual sports
  • Crash (Fast Games)
  • Android
  • iOS

Observed on the operator's site on 21 October 2026

Melbet Kenya Registration: Licence, Age Rules and Payout Checks

Published 1 October 2026

Before you tap “register” at Melbet Kenya, two checks matter more than the sign-up form itself. Check whether the licence behind that account is current, and whether M-Pesa payouts from it match a time we test and publish ourselves, not a figure the operator advertises.

Is Melbet licensed to take bets in Kenya?

Melbet Kenya states that it is owned by GAMETOSHA LTD and operates under betting licence number BK.0001174 and casino licence number PG.0001176, issued under the lotteries and gaming act, as read on the operator’s own pages on 16 September 2026. That licence was issued by the Betting Control and Licensing Board. The BCLB has since been succeeded by the Gambling Regulatory Authority of Kenya (GRA), the statutory body created under the Gambling Control Act, 2025, to regulate, supervise and control all forms of gambling in Kenya, licensing included. On 2 October 2025 the BCLB announced that processing of new and renewal licence applications was suspended until the end of a transition period running to the end of February 2026. The GRA’s own register lists licensed gaming companies for the 2025/2026 financial year by name, licence number and status, as read on 13 September 2026, and is the place to confirm that a BK or PG number is still active.

What age does registration require?

The legal age to bet in Kenya is 18. The Gambling Control Act, 2025, which commenced on 26 August 2025, requires an online operator to put mechanisms in place so that a child cannot be registered for a game, lottery or bet, and to require proof of age of majority before registering any player. The Act’s own wording in that section does not print a number of years; the age limit sits elsewhere in the market’s rules rather than in the registration clause itself.

What rule applies to your account once it is open?

Registration is the step before money moves, and the Act puts a rule on that movement too. Where a player wins a monetary prize through an online gambling transaction, the licensee must credit the amount to the player’s account within two days. That deadline governs the operator’s own ledger, not the M-Pesa transfer that follows once you ask to withdraw. We compare operators on that second, separate step: how long a withdrawal actually reaches M-Pesa once requested, timed directly rather than read off an operator’s own claims. We have timed that step for Melbet: 7 withdrawals requested between 29 September and 16 October 2026, all 7 paid, at an average of 5 minutes to the M-Pesa SMS. Every run is dated in the test log further up this page.

What does moving money through M-Pesa cost?

Independently of any operator, Safaricom’s own tariff applies once money leaves M-Pesa through an agent. Deposits are free, and withdrawal charges start at KES 11 for amounts of KES 50 to 100 and rise through the bands to KES 309 for amounts between KES 50,001 and 250,000. The minimum cash withdrawal at an agent is KES 50, and the maximum per transaction is KES 250,000, as published by Safaricom and read on 28 September 2026. Those charges apply once winnings sit in your wallet; they say nothing about how fast an operator releases the transfer in the first place.

What to check next

Match the licence number shown on Melbet’s pages against the GRA’s current register before registering. The October 2025 suspension affects new and renewal applications, not the validity of a number already issued. Beyond that, the figure worth waiting for is not the sign-up process but the dated, measured M-Pesa withdrawal time we publish once testing is complete.

All guides

What this page does not tell you

Only withdrawals to M-Pesa are measured here. Odds, app quality and customer support are outside the scope on purpose - a comparison that covers everything ends up measuring nothing. What the operator declares is quoted, not endorsed. The protocol and its limits.

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