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Send money to Kenya
USD
KES|Pricing observed Mid-market 129.4181Top-ranked estimateof 15 providers
InstaReM
Rate 129.2240 · Fee free
You send
$1,000
Estimated receipt
KSh129,224
KSh5,600 more than the lowest estimate · 0.15% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 USD to KES, InstaReM ranks first among 15 provider estimates, with an estimated payout of 129,224.01 KES. The first-ranked estimate pays 5,603.03 KES more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send USD to KES?
Sending $1,000 from to Kenya. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 129.2240·Fee Free·0.15% markup
↓ 0.3% over 175dAvg: 128.42 KESRange: 127.97–129.23
Rate 128.5769·Fee Free·0.65% markup
↓ 1.1% over 169dAvg: 128.35 KES (+0.2% vs avg)Range: 127.00–130.00
2
Under 3 minutes (95% of transfers)0.65% markup
↓ 1.1% over 169dAvg: 128.35 KES (+0.2% vs avg)Range: 127.00–130.00
128.5769
Free
KSh128,576.92
Send
Rate 128.5510·Fee Free·0.67% markup
Best rate 78 of 175 days
↑ 0.3% over 115dAvg: 128.48 KES (+0.1% vs avg)Range: 127.60–128.70
Rate 128.2016·Fee $1.99·0.94% markup
↓ 0.2% over 168dAvg: 128.76 KES (-0.4% vs avg)Range: 128.24–129.34
Rate 128.0463·Fee $0.49·1.06% markup
→ 0.0% over 168dAvg: 128.14 KES (-0.1% vs avg)Range: 127.61–128.66
Rate 128.0463·Fee $0.99·1.06% markup
↓ 0.4% over 168dAvg: 128.27 KES (-0.2% vs avg)Range: 127.61–128.57
Rate 129.4958·Fee $13.41
↑ 0.1% over 175dAvg: 129.36 KES (+0.1% vs avg)Range: 128.87–130.13
Rate 128.0334·Fee $1.99·1.07% markup
↓ 1.0% over 167dAvg: 128.15 KES (-0.1% vs avg)Range: 126.70–129.39
Rate 127.5027·Fee Free·1.48% markup
↑ 0.1% over 174dAvg: 127.74 KES (-0.2% vs avg)Range: 127.02–131.84
Rate 127.3733·Fee Free·1.58% markup
Most stable rate
→ 0.0% over 168dAvg: 127.38 KESRange: 126.73–127.52
Rate 126.7780·Fee Free·2.04% markup
2.0% markup
→ 0.0% over 20dAvg: 126.75 KES (+0.1% vs avg)Range: 126.21–128.62
11
0-3 days2.04% markup
2.0% markup
→ 0.0% over 20dAvg: 126.75 KES (+0.1% vs avg)Range: 126.21–128.62
126.7780
Free
KSh126,778.01
SendRate 126.8557·Fee $1.99·1.98% markup
↓ 0.5% over 169dAvg: 127.39 KES (-0.4% vs avg)Range: 126.82–127.68
12
Minutes to 5 days1.98% markup
↓ 0.5% over 169dAvg: 127.39 KES (-0.4% vs avg)Range: 126.82–127.68
126.8557
$1.99
KSh126,603.22
Send
Rate 127.3216·Fee $14.00·1.62% markup
↓ 0.1% over 169dAvg: 127.32 KESRange: 126.93–127.57
Rate 124.3579·Fee Free·3.91% markup
↑ 0.1% over 175dAvg: 124.38 KESRange: 124.05–126.16
Rate 128.3828·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by KSh5,603.03 on a $1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Kenya is East Africa's largest economy and a global leader in mobile money innovation. With over 30 million active M-Pesa accounts, Kenya receives over $4 billion annually in remittances — and the vast majority arrives via M-Pesa mobile wallet, directly to recipients' phones within minutes. The USD-to-KES corridor is well-served by specialist providers, with rates significantly better than traditional banks.
- M-Pesa (Safaricom) is the world's most advanced mobile money system, with over 30 million active users. Several international providers deliver directly to M-Pesa wallets within minutes.
- Airtel Money is Kenya's second mobile money platform with a significant user base, particularly in western and coastal regions.
- KCB (Kenya Commercial Bank), Equity Bank, Co-operative Bank, and Stanbic Kenya are major receiving banks for SWIFT transfers. Most have ATM and agent banking points across all 47 counties.
- The Central Bank of Kenya (CBK) regulates all inbound remittances. There is no cap on personal incoming transfers. Kenya has no income tax on remittances received.
- Pesalink is Kenya's interbank real-time transfer system. Once international funds land at any Kenyan bank, they can be moved to M-Pesa or another bank via Pesalink instantly.
Which provider offers the best USD to KES rate?
InstaReM
4.1Exchange rate
129.2240
Fee
Free
Recipient gets
KSh129,224.01
Speed
1-3 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for USD → 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
Coinbase → Solana (USDC) → Binance P2P (KES) · ~1 second
134,616 KES
3.99% rebate all-in
+
Binance P2PBeats mid-market
Coinbase → Solana (USDC) → Binance P2P (KES) · ~1 second
134,616 KES
3.99% rebate all-in
- 1Coinbase USD→USDC: FREE
- 2Solana network: 0.000250 USDC
- 3Binance P2P (KES): 0.47213622291022733% 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 →Guides, 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 to Kenya route.
Cheapest transfer
InstaReM
Delivers the most KES for your money
Fastest transfer
TapTap Send
Delivers in Under 3 minutes (95% of transfers)
Cash pickup
WorldRemit
Widest cash pickup network
Bank transfer
InstaReM
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 USD 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. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
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: USD to KES
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
TapTap Send
128.58 · Under 3 minutes (95% of transfers)
LemFi
128.55 · Minutes to 1 business day
InstaReM
128.69 · 1-3 business days
Sendwave
128.02 · Instant
Paysend
128.20 · 2 days
WorldRemit
128.02 · Instant
ProviderFeeRateReceivesSpeed
TapTap SendFree128.58KSh64,288Under 3 minutes (95% of transfers)
LemFiFree128.55KSh64,276Minutes to 1 business day
InstaReM$1.01128.69KSh64,2151-3 business days
Sendwave$0.49128.02KSh63,946Instant
Paysend$1.99128.20KSh63,8462 days
WorldRemit$0.99128.02KSh63,882Instant
Send $1,000
ProviderFeeReceives
InstaReM
129.22 · 1-3 business days
TapTap Send
128.58 · Under 3 minutes (95% of transfers)
LemFi
128.55 · Minutes to 1 business day
Paysend
128.20 · 2 days
Sendwave
128.05 · Instant
WorldRemit
128.05 · Instant
ProviderFeeRateReceivesSpeed
InstaReMFree129.22KSh129,2241-3 business days
TapTap SendFree128.58KSh128,577Under 3 minutes (95% of transfers)
LemFiFree128.55KSh128,551Minutes to 1 business day
Paysend$1.99128.20KSh127,9462 days
Sendwave$0.49128.05KSh127,984Instant
WorldRemit$0.99128.05KSh127,920Instant
Send $5,000
ProviderFeeReceives
TapTap Send
128.58 · Under 3 minutes (95% of transfers)
LemFi
128.55 · Minutes to 1 business day
Wise
129.50 · Instant
Paysend
128.20 · 2 days
XE Money Transfer
128.72 · 0-3 days
Sendwave
128.05 · Instant
ProviderFeeRateReceivesSpeed
TapTap SendFree128.58KSh642,885Under 3 minutes (95% of transfers)
LemFiFree128.55KSh642,755Minutes to 1 business day
Wise$48.21129.50KSh641,236Instant
Paysend$1.99128.20KSh640,7532 days
XE Money Transfer$30.18128.72KSh639,7120-3 days
Sendwave$0.49128.05KSh640,169Instant
How much does it cost to send money from to Kenya?
Transfer fees to Kenya vary by provider and how you pay. Specialist services charge KSh0–10 per transfer, while banks charge $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.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (129.4181).
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
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
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Kenya?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
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 to Kenya arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- LemFiMinutes to 1 business day
- SendwaveInstant
- WorldRemitInstant
- WiseInstant
Standard delivery
- InstaReM1-3 business days
- Paysend2 days
- XE Money Transfer0-3 days
- Moneycorp1 day
- 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
58/ 100
Good time to send
SendScoreToday's best rate is -0.02% vs the 30-day average, 65% of the way up the 90-day range. Rates are flat over the past week. Today's best beats the median provider by +0.92%.
- 40%Position in the 90-day range — 65% of the way up the 90-day range
- 25%Versus the 30-day average — -0.02% vs the 30-day average
- 20%Best provider versus the field — today's best beats the median provider by +0.92%
- 15%This week versus last — flat over the past week
Who is usually cheapest here
LemFi delivered the most on 64 of the last 91 days it quoted here (70%). But today's best is TapTap Send, which leads on 9% of days — worth comparing rather than assuming.
- 70%LemFi — cheapest on 64 of 91 days it quoted
- 13%Ria Money Transfer — cheapest on 12 of 91 days it quoted
- 9%TapTap Send — cheapest on 8 of 91 days it quoted
- 8%InstaReM — cheapest on 7 of 91 days it quoted
91 days where two or more providers quoted, over 91 days. Days with a single quote are excluded — winning unopposed is not evidence. See every corridor.
Measured from 175 days of our own recorded provider rates for USD→KES
USD to KES Exchange Rate History
Daily best exchange rates from top providers over the last 175 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | InstaReM | Wise | __mid Market__ | Remitly |
|---|---|---|---|---|---|
| Trend | |||||
| Sep 12 | 124.3642 | 128.3949 | 129.5000✓ | 128.3949 | 127.5000 |
| Sep 11 | 124.3690 | 128.3949 | 129.5000✓ | 128.3949 | 127.4800 |
| Sep 10 | 124.3546 | 128.3949 | 129.4000✓ | 128.3949 | 127.4800 |
| Sep 9 | 124.3801 | 128.3949 | 129.4000✓ | 128.3949 | 127.4700 |
| Sep 8 | 124.3834 | 128.3949 | 129.4500✓ | 128.3949 | 127.4800 |
| Sep 7 | 124.3474 | 128.4445 | 129.4750✓ | 128.4445 | 127.4800 |
| Sep 6 | 124.3474 | 128.4316 | 129.4540✓ | 128.4316 | 127.4800 |
| Sep 5 | 124.3474 | 128.3949 | 129.4000✓ | 128.3949 | 127.4900 |
| Sep 4 | 124.3546 | 128.4445 | 129.4000✓ | 128.4445 | 127.5100 |
| Sep 3 | 124.3546 | 128.3949 | 129.4000✓ | 128.3949 | 127.5100 |
| Sep 2 | 124.3796 | 128.3949 | 129.4000✓ | 128.3949 | 127.4900 |
| Sep 1 | 124.3873 | 128.3949 | 129.6600✓ | 128.3949 | — |
| Aug 31 | 124.3734 | 128.3949 | 129.6600✓ | 128.3949 | 127.4800 |
| Aug 30 | 124.3734 | 128.3949 | 129.4000✓ | 128.3949 | 127.4900 |
| Aug 29 | 124.3734 | 128.3949 | 129.4000✓ | 128.3949 | 127.4900 |
| Aug 28 | 124.3695 | 128.5538 | 129.4500✓ | 128.5538 | 127.5000 |
| Aug 27 | 124.3743 | 128.3949 | 129.5000✓ | 128.3949 | 127.4900 |
| Aug 26 | 124.3695 | 128.3949 | 129.4000✓ | 128.3949 | 127.4800 |
| Aug 25 | 124.3661 | 128.3949 | 129.4000✓ | 128.3949 | 127.4800 |
| Aug 24 | 124.3426 | 128.2459 | 129.5200✓ | 128.2459 | 127.4800 |
| Aug 23 | 124.3426 | 128.2459 | 129.3500✓ | 128.2459 | 127.4900 |
| Aug 22 | 124.3426 | 128.2459 | 129.3500✓ | 128.2459 | 127.4900 |
| Aug 21 | 124.3767 | 128.3949 | 129.5250✓ | 128.3949 | 127.5300 |
| Aug 20 | 124.4248 | 128.4942 | 129.5000✓ | 128.4942 | 127.5700 |
| Aug 19 | 124.4464 | 128.4942 | 129.5000✓ | 128.4942 | 127.5300 |
| Aug 18 | 124.4176 | 128.3949 | 129.5000✓ | 128.3949 | 127.4900 |
| Aug 17 | 124.2268 | 128.1069 | 129.2600✓ | 128.1069 | 127.4200 |
| Aug 16 | 124.2268 | 128.0970 | 129.2500✓ | 128.0970 | 127.3900 |
| Aug 15 | 124.2268 | 128.0970 | 129.2500✓ | 128.0970 | 127.3600 |
| Aug 14 | 124.2129 | 128.2459 | 129.2500✓ | 128.2459 | 127.3100 |
| Aug 13 | 124.2191 | 128.2459 | 129.2500✓ | 128.2459 | 127.3200 |
| Aug 12 | 124.2494 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 11 | 124.3282 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 10 | 124.3094 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 9 | 124.3094 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 8 | 124.3094 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 7 | 124.3119 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 6 | 124.3195 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 5 | 124.2523 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 4 | 124.3777 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 3 | 124.2643 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 2 | 124.2643 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Aug 1 | 124.2643 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 31 | 124.3566 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 30 | 124.3705 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 29 | 124.5022 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 28 | 124.5670 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 27 | 124.4661 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 26 | 124.4661 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 25 | 124.4661 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 24 | 124.3643 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 23 | 124.4373 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 22 | 124.2600 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 21 | 124.2523 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 20 | 124.2258 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 19 | 124.2258 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 18 | 124.2258 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 17 | 124.2528 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 16 | 124.2816 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 15 | 124.3056 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 14 | 124.2100 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 13 | 124.2018 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 12 | 124.2018 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 11 | 124.2018 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 10 | 124.2110 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 9 | 124.2090 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 8 | 124.2018 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 7 | 124.2417 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 6 | 124.2537 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 5 | 124.2537 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 4 | 124.2537 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 3 | 124.2595 | 128.2956 | 129.2000✓ | 128.2956 | 127.4500 |
| Jul 2 | 124.2427 | 128.1963 | 129.4000✓ | 128.1963 | 127.5700 |
| Jul 1 | 124.4330 | 128.4445 | 129.4500✓ | 128.4445 | 127.6000 |
| Jun 30 | 124.4551 | 128.4942 | 129.5000✓ | 128.4942 | 127.6000 |
| Jun 29 | 124.4483 | 128.2956 | 129.4500✓ | 128.2956 | 127.6800 |
| Jun 28 | 124.4483 | 128.2956 | 129.4500✓ | 128.2956 | 127.6800 |
| Jun 27 | 124.4483 | 128.2956 | 129.4500✓ | 128.2956 | 127.6900 |
| Jun 26 | 124.5089 | 128.4445 | 129.5250✓ | 128.4445 | 127.6700 |
| Jun 25 | 124.4854 | 128.4445 | 129.5000✓ | 128.4445 | 127.5800 |
| Jun 24 | 124.3820 | 128.3949 | 129.4000✓ | 128.3949 | 127.5900 |
| Jun 23 | 124.3763 | 128.3949 | 129.4500✓ | 128.3949 | 127.6100 |
| Jun 22 | 124.3940 | 128.3949 | 129.4200✓ | 128.3949 | 127.6051 |
| Jun 21 | 124.3940 | 128.3949 | 129.4000✓ | 128.3949 | 127.6200 |
| Jun 20 | 124.3940 | 128.3949 | 129.4000✓ | 128.3949 | 127.6300 |
| Jun 19 | 124.4383 | 128.4445 | 129.4500✓ | 128.4445 | 127.6200 |
| Jun 18 | 124.4474 | 128.3452 | 129.4500✓ | 128.3452 | 127.5700 |
| Jun 17 | 124.4085 | 128.4445 | 129.4750✓ | 128.4445 | 127.5939 |
| Jun 16 | 124.3268 | 128.4445 | 129.4750✓ | 128.4445 | 127.5939 |
| Jun 15 | 124.4541 | 128.4445 | 129.4750✓ | 128.4445 | 127.5939 |
| Jun 14 | 124.4541 | 128.4445 | 129.4500✓ | 128.4445 | 127.6100 |
| Jun 13 | 124.4541 | 128.4445 | 129.4500✓ | 128.4445 | 127.6100 |
| Jun 12 | 124.5382 | 128.4445 | 129.4500✓ | 128.4445 | 127.6100 |
| Jun 11 | 124.3763 | 128.3949 | 129.4000✓ | 128.3949 | 127.4000 |
| Jun 10 | 124.3546 | 128.3949 | 129.4000✓ | 128.3949 | 127.4000 |
| Jun 9 | 124.3902 | 128.2956 | 129.4500✓ | 128.2956 | 127.3900 |
| Jun 8 | 124.3220 | 128.3452 | 129.3900✓ | 128.3452 | 127.4274 |
| Jun 7 | 124.3220 | 128.3452 | 129.3500✓ | 128.3452 | 127.3800 |
| Jun 6 | 124.3220 | 128.3452 | 129.3500✓ | 128.3452 | 127.3800 |
| Jun 5 | 124.3196 | 128.4445 | 129.3500✓ | 128.4445 | 127.4000 |
| Jun 4 | 124.3835 | 128.4445 | 129.4000✓ | 128.4445 | 127.4700 |
| Jun 3 | 124.3782 | 128.4445 | 129.4000✓ | 128.4445 | 127.5100 |
| Jun 2 | 124.4301 | 128.4445 | 129.4500✓ | 128.4445 | 127.5299 |
| Jun 1 | 124.4421 | 128.4653 | 129.4500✓ | 128.4653 | 127.5608 |
| May 31 | 124.4421 | 128.4445 | 129.5750✓ | 128.4445 | 127.5500 |
| May 30 | 124.4421 | 128.4445 | 129.5750✓ | 128.4445 | 127.5600 |
| May 29 | 124.4421 | 128.4942 | 129.5000✓ | 128.4942 | 127.6400 |
| May 28 | 124.5118 | 128.5736 | 129.5300✓ | 128.5736 | 127.7603 |
| May 27 | 124.5209 | 128.5935 | 129.6000✓ | 128.5935 | 127.7800 |
| May 26 | 124.6185 | 128.5935 | 129.6000✓ | 128.5935 | 127.8000 |
| May 25 | 124.6185 | 128.5438 | 129.5050✓ | 128.5438 | 127.9341 |
| May 24 | 124.6185 | 128.5438 | 129.7000✓ | 128.5438 | 127.7400 |
| May 23 | 124.6185 | 128.5438 | 129.7000✓ | 128.5438 | 127.7400 |
| May 22 | 124.5070 | 128.5935 | 129.6000✓ | 128.5935 | 127.6700 |
| May 21 | 124.4604 | 128.3452 | 129.5000✓ | 128.3452 | 127.6000 |
| May 20 | 124.4301 | 128.1466 | 129.3000✓ | 128.1466 | 127.5300 |
| May 19 | 124.4772 | 128.6431 | 129.6500✓ | 128.6431 | 127.4200 |
| May 18 | 124.3027 | 128.3949 | 128.8650✓ | 128.3949 | 127.0740 |
| May 17 | 124.3027 | 128.3949 | 129.4000✓ | 128.3949 | 127.3600 |
| May 16 | 124.3027 | 128.3949 | 129.4000✓ | 128.3949 | 127.3500 |
| May 15 | 126.1606 | 127.9977 | 129.1500✓ | 127.9977 | 127.3000 |
| May 14 | 126.1606 | 128.2460 | 129.1500✓ | 128.2460 | 127.1669 |
| May 13 | 124.1134 | 128.0473 | 129.1000 | 129.3853✓ | 127.2400 |
| May 12 | 124.1086 | 128.1466 | 129.1500 | 129.3853✓ | 127.2300 |
| May 11 | 124.1216 | 128.4250 | 129.1550 | 129.3853✓ | 127.5064 |
| May 10 | 124.1216 | 128.1466 | 129.1500 | 129.3853✓ | 127.2200 |
| May 9 | 124.1216 | 128.1466 | 129.1500 | 129.3853✓ | 127.2100 |
| May 8 | 124.0466 | 128.1466 | 129.1500 | 129.3853✓ | 127.2000 |
| May 7 | 124.0985 | 127.9977 | 129.1500 | 129.3853✓ | 127.2100 |
| May 6 | 124.0754 | 128.1963 | 129.2000 | 129.3853✓ | 127.2200 |
| May 5 | 124.1076 | 128.8824 | 129.1500 | 129.3853 | 131.8400✓ |
| May 4 | 124.1653 | 128.1158 | 129.1500 | 129.3853✓ | 127.1495 |
| May 3 | 124.1653 | 128.1466 | 129.1850 | 129.3853✓ | 127.1600 |
| May 2 | 124.1653 | 128.1466 | 129.1850 | 129.3853✓ | 127.1500 |
| May 1 | 124.1172 | 128.1466 | 129.1500 | 129.3853✓ | 127.1400 |
| Apr 30 | 124.0452 | 128.8824 | 129.0000 | 129.3853✓ | 127.1500 |
| Apr 29 | 124.0932 | 128.8824 | 129.1500 | 129.3853✓ | 127.2100 |
| Apr 28 | 124.1759 | 128.8824 | 129.2750 | 129.3853✓ | 127.3600 |
| Apr 27 | 124.2633 | 128.8824 | 129.3200 | 129.3853✓ | 127.5601 |
| Apr 26 | 124.2633 | 128.8824 | 129.4000✓ | 129.3853 | 127.4100 |
| Apr 25 | 124.2633 | 128.8824 | 129.4000✓ | 129.3853 | 127.3900 |
| Apr 24 | 124.2494 | 128.8824 | 129.2000 | 129.3853✓ | 127.3000 |
| Apr 23 | 124.1172 | 128.8824 | 129.1500 | 129.3853✓ | 127.1700 |
| Apr 22 | 124.0572 | 128.8824 | 129.1000 | 129.3853✓ | 127.1300 |
| Apr 21 | 124.1317 | 128.0723 | 129.1500 | 129.3853✓ | 127.1000 |
| Apr 20 | 124.2182 | 128.0029 | 129.0800 | 129.3853✓ | 127.0157 |
| Apr 19 | 124.1028 | 127.9732 | 129.0500 | 129.3853✓ | 127.1200 |
| Apr 18 | 124.1028 | 127.9732 | 129.0500 | 129.3853✓ | 127.1200 |
| Apr 17 | 124.1989 | 128.1963 | 129.2750 | 129.3853✓ | 127.1400 |
| Apr 16 | 124.1893 | 128.1963 | 129.2000 | 129.3853 | 131.8400✓ |
| Apr 15 | 124.2907 | 128.2956 | 129.3000 | 129.3853 | 131.8400✓ |
| Apr 14 | 124.3460 | 128.4942 | 129.5000 | 129.3853 | 131.8400✓ |
| Apr 13 | 124.2499 | 128.1208 | 129.1650 | 129.3853 | 131.8400✓ |
| Apr 12 | 124.1442 | 128.1466 | 129.1500 | 129.3853 | 131.8400✓ |
| Apr 11 | 124.1442 | 128.1466 | 129.1500 | 129.3853 | 131.8400✓ |
| Apr 10 | 124.2475 | 128.1963 | 129.2500 | 129.3853 | 131.8400✓ |
| Apr 9 | 124.3700 | 128.3452 | 129.4000 | 129.3853 | 131.8400✓ |
| Apr 8 | 125.0020 | 129.0403 | 130.0500 | 129.3853 | 131.8400✓ |
| Apr 7 | 124.6728 | 129.1893 | 130.0550✓ | 129.3853 | 128.1110 |
| Apr 6 | 124.6103 | 129.0900 | 129.8600✓ | 129.3853 | 127.9190 |
| Apr 5 | 124.6103 | 129.0900 | 129.8550✓ | 129.3853 | 127.9140 |
| Apr 4 | 124.6103 | 129.0900 | 129.8550✓ | 129.3853 | 127.9140 |
| Apr 3 | 125.0092 | 129.0900 | 129.8550✓ | 129.3853 | 127.9140 |
| Apr 2 | 125.0116 | 129.0900 | 130.1250✓ | 129.3853 | 128.1800 |
| Apr 1 | 124.8986 | 129.0403 | 130.1000✓ | 129.3853 | 128.1900 |
| Mar 31 | 124.8794 | 128.8914 | 129.9500✓ | 129.3853 | 128.1600 |
| Mar 30 | 124.9179 | 128.8914 | 129.9000✓ | 129.3853 | 128.0600 |
| Mar 29 | 124.9179 | 129.2264 | 129.9290✓ | 129.3853 | 128.2886 |
| Mar 28 | 124.8145 | 128.9907 | 130.0000✓ | 129.3853 | 128.0000 |
| Mar 18 | 124.4878 | 128.9322 | 129.4000✓ | 129.4000✓ | 127.6100 |
| Mar 17 | 124.3027 | 128.6832 | 129.3000✓ | 129.3000✓ | 127.4500 |
| Mar 16 | 124.3027 | 128.6832 | 129.3000✓ | 129.3000✓ | 127.4400 |
| Mar 15 | 124.2979 | 128.7330 | 129.3500✓ | 129.3500✓ | 127.3700 |
| Mar 14 | 124.2979 | 128.7330 | 129.3500✓ | 129.3500✓ | 127.3600 |
| Mar 13 | 124.2979 | 128.7330 | 129.3500✓ | 129.3500✓ | 127.3400 |
Frequently asked questions
Common questions about sending money from to Kenya
What is the cheapest way to send money to Kenya?
Wise, WorldRemit, and Remitly are consistently the cheapest for USD-to-KES transfers. WorldRemit is particularly competitive for M-Pesa delivery. Wise offers the closest-to-mid-market rate for bank deposit. On a $500 transfer, differences between providers can be KES 2,000–5,000. Always compare total KES received.
How do I send money directly to M-Pesa in Kenya?
WorldRemit, Remitly, Western Union, and Ria all support direct M-Pesa delivery. You need the recipient's M-Pesa registered phone number (07XX or 01XX format). Delivery is typically within minutes. The recipient receives an SMS and the KES are available immediately for cash withdrawal at any M-Pesa agent, Safaricom shop, or ATM.
What bank details do I need for a transfer to a Kenyan bank?
You need the recipient's account number and the bank's SWIFT code. Key SWIFT codes: KCB (KCBLKENX), Equity Bank (EQBLKENX), Co-operative Bank (COOPKENX), Stanbic Kenya (SBICKENX). Kenya does not use IBAN. Account numbers range from 10–16 digits depending on the bank. Always confirm with your recipient.
How long does a money transfer to Kenya take?
M-Pesa deliveries from WorldRemit, Remitly, and Western Union typically arrive within minutes — sometimes within 10 seconds. Bank deposits arrive within 1–2 business days via SWIFT, or same day if the provider uses direct banking rails. Cash pickup at Western Union agents is available within minutes.
Is M-Pesa safer than a bank transfer for receiving money in Kenya?
Both are safe and regulated by the CBK. M-Pesa is convenient because recipients can access funds immediately without visiting a bank — any M-Pesa agent (corner shops, pharmacies, supermarkets) can process withdrawals. Bank accounts offer higher transaction limits and interest on savings. For regular remittances under KES 150,000 ($1,200), M-Pesa is usually the most practical option.
Are remittances taxed in Kenya?
No. Personal remittances received in Kenya are not subject to Kenyan income tax. The KRA (Kenya Revenue Authority) does not classify family support transfers as assessable income. Kenya actively encourages diaspora remittances and has no withholding tax on inbound transfers.
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