Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
How to send money to Kenya cheaply
Learn how to send money to Kenya so you can connect with friends and family
Do you want to send money to friends or family in Kenya? You can do it, but your choices are limited due to the exotic status of the Kenyan currency. If you are a Kenyan national, with a valid residential permit and a valid visa giving you permission to work and live in India, it is important to know the Indian regulations that govern opening a bank account in India. It is also important to know the various rules that govern remittance of foreign exchange overseas.
A lot of Indian banking institutions don’t allow transfers between Indian and Kenyan bank accounts, so you should speak to individual banks and also look at money transfer companies.
If you need to send money to Kenya, give our page a read for a comparison of the different companies that offer this service.
Banks vs money transfer companies
If you want to send money to Kenya, double check with your banking institution first. Some banks don’t offer electronic fund transfers to Kenyan bank accounts.
How to compare transfer companies when transferring money to Kenya
If you want to send money to Kenya, make sure you have a look at the following information when you get your quote on the funds transfer.
- The exchange rate. This is the amount of Kenyan shillings you get in exchange for each Indian rupee you send to Kenya. You can check the rate when you get your quote on the funds transfer.
- Transfer fees. Each provider will charge a fee for your money transfer to Kenya. Fees vary depending on how you want to send the funds. For example, cash transfers are priced differently compared to mobile payments. Like the exchange rate, you’re advised of any fees when you get the quote for the transfer.
- Collection methods. Different companies offer different options for receiving the funds. Some companies offer bank transfers and mobile payments, while other institutions will only allow a bank-to-bank transfer.
- Transfer methods. How can you send the funds? Most transfers are handled online but you can still send cash in person by visiting an outlet or a bank branch.
- Transfer options. Do you need to make a regular payment, or do you only need to make a one-off funds transfer?
- Minimum transfer amounts. How much do you need to send? While the upper limit is generally of no concern to most people, if you’re looking to carry out a small transaction, you should compare money transfer companies based on the minimum transaction allowed. Some companies have no minimum transfer amount, but they charge a fee if you’re sending under a certain amount.
- Customer service. Is speaking to someone to help you through the process something that’s important to you? Some companies pride themselves on their achievements with customer service and their willingness to go the extra mile for their customers. Consider this when comparing money transfer companies.
How to send money to Kenya from India
The choice of banks that let you send money to Kenya is limited. Check with your financial institution to see whether they offer money transfers to a Kenyan bank account.
- Citibank. One financial institution that lets you send money to a Kenyan bank account is Citibank. Although not one of the countries on the free global transfer list at Citibank, you can send money to Kenya from your Citibank account if you are a Non Resident Indian (NRI). Transfers can take up to five business days.
- Money Transfer Companies. You should check with providers offering international money transfer from India to find out whether they will offer you overseas money transfer facilities from India to Kenya. Some Indian providers to check with are FxKart, BuyForexOnline, UAEExchangeIndia, InstaReM, BookMyForex, ExTravelMoney and Thomas Cook India
Emergency cash transfers to Kenya
In the event of an emergency, you can get cash to Kenya quickly. You can avail the following option:
- An emergency cash advance. Visa, Mastercard and American Express will give you an emergency cash advance if your cards are lost or stolen and you’re unable to access the funds in your account. Give your bank and the card company a call, and they’ll let you know about a merchant close to your location where you can collect the funds.
How to send money to Kenya
The process for sending money to Kenya is a little different depending on the method you use.
If you want to send the money to a bank account in Kenya from your bank account in India, you’ll need the recipient’s bank account details and details of their banking institution, such as the SWIFT code. International fund transfers from your bank account are done through your online banking facility.
Money Transfer Companies
Contact the money transfer companies listed above to find out if they offer international money transfer facilities from India to Kenya.
Before you can send money to Kenya, you will need to create an account with the provider. You will need to provide the following details about yourself:
- Full name.
- Email address.
- Residential address.
- ID, such as a driver’s licence
If you want to send money to friends, family or anyone else in Kenya, a specialist money transfer companies can give you a few different ways to complete the transfer. Compare these companies based on their exchange rate and the fees for the transfer. If you have any questions about how to send money to Kenya, get in touch with us using the form below.Back to top
More guides on Finder
How to invest in IPOs from India
Learn what an initial public offering (IPO) is, how an IPO works and the advantages and risks of IPOs.
IG review: Trade forex and CFDs with a global broker
IG forex trading offers tight spreads from 0.6 pips, fast order execution and access to more than 50 currency pairs.
Nexo review: Is it safe for high interest returns?
Nexo is a cryptocurrency lending and borrowing platform that offers high interest rates on cryptocurrencies, stablecoins and fiat. We review the features available and look at how safe your funds would be on the platform.
Mobile-only banks (digital banks) are offering a whole new way to manage your money. Find out more about what these banks are offering and whether they’re right for you.
Coronavirus (COVID-19): Stocks to buy and how to invest in India
What should share traders do during a stock market crash?
Banks with Google Pay in India
This article provides a complete list of the banks that support Google Pay in India, plus how to set up the digital wallet in your device.
Axie Infinity guide: How to play and earn
Axie Infinity is an RPG game that is currently dominating the NFT sector. Discover what Axies are, what makes them unique and how you can earn money simply by playing.
Designed with the credit and payment needs of India’s millennials in mind, Slice offers a great way to borrow and transact at zero fees.
How to buy Bitcoin SV
Learn more about the Bitcoin SV fork and how to buy, sell and trade BSV, including a complete list of the exchanges that support it.
Bitcoin Cash (BCH): How to buy, sell or trade
If you want to buy or trade Bitcoin Cash (BCH) but you don’t know how, this guide contains step-by-step instructions on how to get started.
Ask an Expert