How to send money to Kenya

Compare fees and rates to find a quick and affordable service for sending money to Kenya.

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Kenya boasts the largest GDP in East and Central Africa, so sending money to Nairobi or Mombasa doesn’t need to be expensive or complicated. Whether making a bank transfer or online transaction, you’ll want to compare the transfer fees and exchange rates of the many options available to you to get the best deal.

Compare services that send money to Kenya from the UK

Table: sorted by promoted deals first
Our table below lets you compare the services you can use to send money abroad. Choose if you want to send under or over £10,000, and you’ll be shown a list of services that can help you.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Wise (TransferWise) for large transfers
Within an hour
From £3.75

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Central FX
24 hours
£0

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CentralFX's dedicated team will guide you or your business from first call to final payment.
CurrencyTransfer
24 hours
£0

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CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE Money Transfers
24 hours
£2
SPECIAL OFFER ✓ £25 Amazon voucher when you refer a friend

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XE has fast transfers with low fees and a range of foreign currency tools.
Wise (TransferWise)
Within an hour
From £3.75

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
PassTo
PassTo
24 hours
From £0.99

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PassTo specialises in remittances to bank accounts and cash pickup locations in 45+ countries.
Azimo
Within minutes
From £0.99
SPECIAL OFFER ✓ First two transfers free for new customers.

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Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
Remitly
Within minutes
From £1.49
SPECIAL OFFER ✓ Free transfers and better exchange rates for new customers

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Remitly has quick, affordable transfers around the world, with both express and economy options.
WorldRemit
Within an hour
From £1.99
SPECIAL OFFER ✓ Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.

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WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Compare up to 4 providers

Banks vs. money transfer companies

Many banks in the UK may offer the option to send funds to Kenya. But banks typically charge high transfer fees and offer exchange rates that are significantly lower than the mid-market rate — or the rate banks and transfer providers use when trading among themselves.

A reputable money transfer specialist can offer better exchange rates and also charge lower fees, saving you money and putting more Kenyan shillings into your recipient’s pocket. Some providers offer electronic transfers to bank accounts only, while others also provide cash pickups, mobile wallet payments and cash delivery services.

Foreign exchange rates explained

The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. Most countries’ exchange rates are flexible, which means they can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Case study: John sends money to Kenya

John moved to the UK to work for a few years and save as much money as possible for his family. He wants to send £5,000 to his relatives, but he doesn’t want to lose too much money to high fees or weak exchange rates. He compares the services of two money transfer companies to see if he can find a good deal.

Money Transfer Company A
Money Transfer Company B
Exchange rate1 GBP = 124.32 KES1 GBP = 127.07 KES
Transfer fee£5£16
Transfer speed1 business day10 minutes
Transfer optionBank account transferBank account transfer
Total KES received for £5,000
621,600 KES635,350 KES

As you can see, John will pay an extra £11 in fees with Money Transfer B, but he’ll get his transfer to Kenya within minutes — and send an extra 13,750 Kenyan shillings to his parents.

Today’s exchange rate GBP to KES

How to compare transfer companies when sending money to Kenya

  • Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
  • Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
  • Transfer methods. Common methods for placing transfers include online, through a mobile app, over the phone or at an agent location.
  • “Hedging” options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
  • Transfer speed. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, often in minutes. If you’ve more time, you’ll get better rates and fees with an independent provider.
  • Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
  • Customer service. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.

How to send money to Kenya from the UK

  • Bank transfers. Many banks will allow you to wire money to banks in Kenya.
  • Money transfer providers. It’s simple and convenient to send an online money transfer to Kenya from the comfort of your home.
  • Money transfer companies with cash pickup options. Companies like Western Union and MoneyGram offer the option of cash pickups from thousands of agent locations across Kenya.
  • M-Pesa. M-Pesa is a safe, secure way to send, receive and store money through your mobile phone or an app. Top up your account at an agent location and then send money to loved ones, who can visit an agent to withdraw their funds.

Steps to send money to Kenya

  1. Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
  2. Supply your recipient’s name, contact information and bank account details as required.
  3. Enter the amount of your transfer and complete the transaction.
  4. Keep track of any receipt you receive so you can monitor the progress of your transfer.

Emergency cash transfers in Kenya

You might need to send an emergency cash transfer to Kenya — for example, if a friend travelling through the country loses their wallet. When you need to transfer funds urgently, your fastest possible transfer will often be your most expensive option. Carefully review the exchange rate and transfer fee against your needs so that you understand exactly how much it will cost you.

Tips for picking up cash in Kenya

Whether picking up funds in Kenya or anywhere else around the world, take a few simple safety precautions to prevent yourself becoming a target for thieves.

  • Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
  • Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
  • Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
  • Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.

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