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Send money from Canada to Kenya(CAD → KES)
CAD
KES|Updated recentlyMid-market 93.1704Cheapest todayof 8 providers
LemFi
Rate 91.8008 · Fee free
You send
C$1,000
Recipient gets
KSh91,801
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Canada to Kenya in August 2026 is LemFi, which delivers 91,800.77 KES on a 1,000 CAD transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send CAD to KES?
Sending C$1,000 from Canada to Kenya. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 91.8008·Fee Free·1.47% markup
1.5% markup
↓ 1.7% over 91dAvg: 90.83 KES (+1.1% vs avg)Range: 89.50–93.35
1
LemFiBest value
Minutes to 1 business day1.47% markup
1.5% markup
↓ 1.7% over 91dAvg: 90.83 KES (+1.1% vs avg)Range: 89.50–93.35
91.8008
Free
KSh91,800.77
Rate 91.5026·Fee Free·1.79% markup
Best rate 61 of 98 days
↑ 0.6% over 98dAvg: 90.86 KES (+0.7% vs avg)Range: 89.20–92.90
2
Under 3 minutes (95% of transfers)1.79% markup
Best rate 61 of 98 days
↑ 0.6% over 98dAvg: 90.86 KES (+0.7% vs avg)Range: 89.20–92.90
91.5026
Free
KSh91,502.63
Rate 92.2666·Fee C$9.70·0.97% markup
Rate 91.8474·Fee C$14.20·1.42% markup
Rate 91.7915·Fee C$14.80·1.48% markup
Rate 91.3815·Fee C$19.20·1.92% markup
Rate 89.0429·Fee C$44.30·4.43% markup
Rate 92.4250·Fee Free·0.80% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Sending money from Canada to Kenya? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best KES amount today.
Money transfers from Canada to Kenya are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of CAD per year. Use our comparison to find today's best deal.
Which provider offers the best CAD to KES rate?
LemFi
4.4Exchange rate
91.8008
Fee
Free
Recipient gets
KSh91,800.77
Speed
Minutes to 1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for CAD → KES
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
Binance P2PBeats mid-market
Kraken → Solana (USDC) → Binance P2P (KES) · ~1 second
96,852 KES
3.87% rebate all-in
+
Binance P2PBeats mid-market
Kraken → Solana (USDC) → Binance P2P (KES) · ~1 second
96,852 KES
3.87% rebate all-in
- 1Kraken CAD→USDC: 0.26%
- 2Solana network: 0.000250 USDC
- 3Binance P2P (KES): 1.0896637608966422% spread
- 40.00% withdrawal fee
Also routable via Solana (USDC), Polygon (USDC), Arbitrum (USDC), Tron (USDT).
Source: Binance P2P API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
How to cash out in Kenya →SendMoneyCompare
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Example alert
GBP → INR · cheapest just changed
Sending £1,000 today? The top provider on this corridor now lands about ₹1,180 more than yesterday’s best — the bank wire is still ₹9,400 behind.
sendmoneycompare.com/send-money/uk-to-india
09:12USD → PHP · watch the funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is now the cheaper route on this corridor.
Thu 16:40Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Canada to Kenya route.
Cheapest transfer
LemFi
Delivers the most KES for your money
Fastest transfer
LemFi
Delivers in Minutes to 1 business day
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
LemFi
Best rate for bank deposit to Kenya
How to send money to Kenya
Sending money to Kenyais straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much CAD you want to send, compare providers above, and pick the one offering the best KES amount for your transfer to Kenya.
Step 2
Add your recipient
Enter your recipient's details in Kenya — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — m-pesa typically takes minutes.
What you need to send money to Kenya
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered with their bank or M-Pesa account
Bank account number
OptionalKenyan bank account number (varies by bank)
M-Pesa number
OptionalSafaricom mobile number registered for M-Pesa (format: +254...)
Example: +254712345678
Bank name
OptionalName of the receiving bank if using bank deposit
Note: Kenya is a mobile money-first country. Most recipients prefer M-Pesa over bank transfers. For M-Pesa, you only need the recipient's Safaricom mobile number.
Transfer examples: CAD to KES
See how much your recipient would get for common transfer amounts.
Send C$500
ProviderFeeReceives
LemFi
91.80 · Minutes to 1 business day
TapTap Send
91.50 · Under 3 minutes (95% of transfers)
InstaReM
92.27 · 1-3 business days
Wise
91.85 · ~2 business days
Remitly
91.79 · Minutes to 3-5 days
Western Union
91.38 · 1 business day
ProviderFeeRateReceivesSpeed
LemFiFree91.80KSh45,900Minutes to 1 business day
TapTap SendFree91.50KSh45,751Under 3 minutes (95% of transfers)
InstaReMC$4.8592.27KSh45,6861-3 business days
WiseC$7.1091.85KSh45,272~2 business days
RemitlyC$7.4091.79KSh45,216Minutes to 3-5 days
Western UnionC$9.6091.38KSh44,8131 business day
Send C$1,000
ProviderFeeReceives
LemFi
91.80 · Minutes to 1 business day
TapTap Send
91.50 · Under 3 minutes (95% of transfers)
InstaReM
92.27 · 1-3 business days
Wise
91.85 · ~2 business days
Remitly
91.79 · Minutes to 3-5 days
Western Union
91.38 · 1 business day
ProviderFeeRateReceivesSpeed
LemFiFree91.80KSh91,801Minutes to 1 business day
TapTap SendFree91.50KSh91,503Under 3 minutes (95% of transfers)
InstaReMC$9.7092.27KSh91,3721-3 business days
WiseC$14.2091.85KSh90,543~2 business days
RemitlyC$14.8091.79KSh90,433Minutes to 3-5 days
Western UnionC$19.2091.38KSh89,6271 business day
Send C$5,000
ProviderFeeReceives
LemFi
91.80 · Minutes to 1 business day
TapTap Send
91.50 · Under 3 minutes (95% of transfers)
InstaReM
92.27 · 1-3 business days
Wise
91.85 · ~2 business days
Remitly
91.79 · Minutes to 3-5 days
Western Union
91.38 · 1 business day
ProviderFeeRateReceivesSpeed
LemFiFree91.80KSh459,004Minutes to 1 business day
TapTap SendFree91.50KSh457,513Under 3 minutes (95% of transfers)
InstaReMC$48.5092.27KSh456,8581-3 business days
WiseC$71.0091.85KSh452,716~2 business days
RemitlyC$74.0091.79KSh452,165Minutes to 3-5 days
Western UnionC$96.0091.38KSh448,1351 business day
How much does it cost to send money from Canada to Kenya?
Transfer fees from Canada to Kenya vary by provider. Specialist services charge C$0–10 per transfer, while banks charge C$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total KES your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically C$0–C$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (93.1704).
Ways to send money to Kenya
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
M-Pesa dominates financial transactions in Kenya — it's used for everything from receiving remittances to paying bills and shopping. It's faster, cheaper, and more accessible than bank transfers for most Kenyans.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Kenya?
Your recipient in Kenya can receive money through these delivery methods. The best option depends on their location and preferences.
M-Pesa
Minutes
Kenya's dominant mobile money platform with 30M+ active users. By far the most popular way to receive money in Kenya.
WiseRemitlyWorldRemitWestern Union
Bank Deposit
1–2 business days
Transfer to Kenyan bank accounts including Equity Bank, KCB, and Co-operative Bank.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from agent locations and bank branches across Kenya.
Western UnionMoneyGram
Airtime Top-up
Minutes
Send airtime directly to a Kenyan mobile number.
WorldRemit
What are the transfer limits and regulations for Kenya?
Important rules and requirements to know before sending money to Kenya.
Regulatory body
Central Bank of Kenya (CBK)
Inbound transfer limits
No restriction on receiving remittances
Documentation you may need
- Sender's government-issued ID
- Recipient's Kenyan National ID for cash pickups
Important things to know
- M-Pesa has transaction limits: KES 150,000 per transaction and KES 300,000 daily for standard accounts.
- Kenya does not charge tax on incoming remittances.
- M-Pesa is interoperable with Kenyan bank accounts — recipients can easily move money between M-Pesa and their bank.
How long does it take to send money to Kenya?
Most transfers from Canada to Kenya arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Kenya for a small premium.
FastExpress delivery
- LemFiMinutes to 1 business day
- TapTap SendUnder 3 minutes (95% of transfers)
- RemitlyMinutes to 3-5 days
Standard delivery
- InstaReM1-3 business days
- Wise~2 business days
- Western Union1 business day
- BMO1-3 business days
- Regency FXSame day to 2 business days
Popular banks in Kenya
These are the most commonly used banks for receiving international transfers in Kenya.
BankSWIFT/BICNotes
Equity Bank
EABORINKXXX
KCB Bank (Kenya Commercial Bank)
KCBLKENAXX
Co-operative Bank
KCOOKENA
Absa Bank Kenya
BABORINKXXX
Standard Chartered Kenya
SCBLKENAXX
CAD to KES Exchange Rate History
Daily best exchange rates from top providers over the last 98 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ | LemFi |
|---|---|---|---|
| Trend | |||
| Aug 19 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 18 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 17 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 16 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 15 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 14 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 13 | 91.5000 | 91.5000 | 91.8000✓ |
| Aug 12 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 11 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 10 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 9 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 8 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 7 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 6 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 5 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 4 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 3 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 2 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Aug 1 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 31 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 30 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 29 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 28 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 27 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 26 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 25 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 24 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 23 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 22 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 21 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 20 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 19 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 18 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 17 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 16 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 15 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 14 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 13 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 12 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 11 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 10 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 9 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 8 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 7 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 6 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 5 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 4 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 3 | 89.9000✓ | 89.9000✓ | 89.8500 |
| Jul 2 | 90.3000✓ | 90.3000✓ | 89.8500 |
| Jul 1 | 90.3000✓ | 90.3000✓ | 89.8500 |
| Jun 30 | 90.3000✓ | 90.3000✓ | 89.8500 |
| Jun 29 | 89.8000✓ | 89.8000✓ | 89.5000 |
| Jun 28 | 89.8000✓ | 89.8000✓ | 89.5000 |
| Jun 27 | 89.8000✓ | 89.8000✓ | 89.5000 |
| Jun 26 | 89.2000 | 89.2000 | 89.5000✓ |
| Jun 25 | 89.2000 | 89.2000 | 89.6000✓ |
| Jun 24 | 90.4000✓ | 90.4000✓ | 90.4000✓ |
| Jun 23 | 90.3000 | 90.3000 | 90.4000✓ |
| Jun 22 | 90.3000 | 90.3000 | 90.4000✓ |
| Jun 21 | 90.3000 | 90.3000 | 90.4000✓ |
| Jun 20 | 90.6000✓ | 90.6000✓ | 90.6000✓ |
| Jun 19 | 91.0000✓ | 91.0000✓ | 90.6000 |
| Jun 18 | 91.0000✓ | 91.0000✓ | 91.0000✓ |
| Jun 17 | 91.0000 | 91.0000 | 91.5000✓ |
| Jun 16 | 91.0000 | 91.0000 | 91.5000✓ |
| Jun 15 | 91.0000 | 91.0000 | 91.5000✓ |
| Jun 14 | 92.0000✓ | 92.0000✓ | 91.5000 |
| Jun 13 | 92.0000✓ | 92.0000✓ | 91.5000 |
| Jun 12 | 92.0000✓ | 92.0000✓ | 91.5000 |
| Jun 11 | 92.0000✓ | 92.0000✓ | 92.0000✓ |
| Jun 10 | 92.0000✓ | 92.0000✓ | 92.0000✓ |
| Jun 9 | 92.0000✓ | 92.0000✓ | 92.0000✓ |
| Jun 8 | 92.0000 | 92.0000 | 92.4000✓ |
| Jun 7 | 92.0000 | 92.0000 | 92.4000✓ |
| Jun 6 | 92.0000 | 92.0000 | 92.4000✓ |
| Jun 5 | 92.7000✓ | 92.7000✓ | 92.2000 |
| Jun 4 | 92.7000 | 92.7000 | 92.8000✓ |
| Jun 3 | 92.7000 | 92.7000 | 92.9000✓ |
| Jun 2 | 92.7000 | 92.7000 | 92.9000✓ |
| Jun 1 | 92.9000✓ | 92.9000✓ | 92.9000✓ |
| May 31 | 92.8000 | 92.8000 | 92.9000✓ |
| May 30 | 92.8000 | 92.8000 | 92.9000✓ |
| May 29 | 92.8000 | 92.8000 | 92.9000✓ |
| May 28 | 92.9000 | 92.9000 | 93.0000✓ |
| May 27 | 92.9000✓ | 92.9000✓ | 92.8000 |
| May 26 | 92.9000✓ | 92.9000✓ | 92.8000 |
| May 25 | 92.5000 | 92.5000 | 93.0000✓ |
| May 24 | 92.0000 | 92.0000 | 93.0000✓ |
| May 23 | 92.0000 | 92.0000 | 93.0000✓ |
| May 22 | 92.0000 | 92.0000 | 93.0000✓ |
| May 21 | 92.0000 | 92.0000 | 93.3500✓ |
| May 20 | 92.0000✓ | 92.0000✓ | — |
| May 19 | 92.0000✓ | 92.0000✓ | — |
| May 18 | 92.0000✓ | 92.0000✓ | — |
| May 17 | 92.0000✓ | 92.0000✓ | — |
| May 16 | 92.0000✓ | 92.0000✓ | — |
| May 15 | 92.0000✓ | 92.0000✓ | — |
| May 14 | 91.0000✓ | 91.0000✓ | — |
Frequently asked questions
Common questions about sending money from Canada to Kenya
What is the cheapest way to send money from Canada to Kenya?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Canada to Kenya?
Most specialist providers deliver to Kenya within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send C$1,000 from Canada to Kenya?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much KES your recipient would receive from a C$1,000 transfer today.
Can I send money from Canada to Kenya online?
Yes, all the providers we compare support online transfers from Canada to Kenya. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Kenya?
Money transfer services are almost always cheaper. Banks typically charge C$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge C$0–10 with markups under 1%, saving you significantly on every transfer to Kenya.
More for this corridor
Everything about sending money to Kenya
Recipient requirements, delivery methods, regulations, popular banks, and more.
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