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InstaReM
Rate 171.7788 · Fee free
You send
£500
Recipient gets
KSh85,889
KSh240 more than the most expensive provider · 0.52% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from United Kingdom to Kenya in July 2026 is InstaReM, which delivers 85,889.38 KES on a 500 GBP transfer with a fee of zero. According to SendMoneyCompare's comparison of 14 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 242 KES.
Last reviewed: by Awais Imran, Reviews Editor
Sending £500 from United Kingdom to Kenya. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
InstaReMBest value
171.7788
Free
KSh85,889.38
170.0002
Free
KSh85,000.10
170.0002
Free
KSh85,000.10
169.9139
Free
KSh84,956.93
168.0144
Free
KSh84,007.20
168.0144
Free
KSh84,007.20
167.8072
Free
KSh83,903.60
167.7554
Free
KSh83,877.70
168.2907
£2.99
KSh83,642.16
167.2028
£6.34
KSh82,541.35
164.8717
£2.99
KSh81,942.88
Potential savings: Choosing the best provider over the most expensive saves your recipient KSh241.75 on a £500 transfer.
Compare the cheapest ways to send money from United Kingdom to Kenya. We compare fees, exchange rates, and transfer speeds from 15+ providers so you get the most KES for your £.
Money transfers from United Kingdom 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 GBP per year. Use our comparison to find today's best deal.
Exchange rate
171.7788
Fee
Free
Recipient gets
KSh85,889.38
Speed
1-3 business days
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 → Tron (USDT) → Binance P2P (KES) · ~3 seconds
35,672 KES
3.46% rebate all-in
Also routable via Tron (USDT), Solana (USDC), Polygon (USDC), Arbitrum (USDC).
Source: Binance P2P API
Luno
Kraken → Tron (USDT) → Luno (CCXT) · ~3 seconds
34,314 KES
0.48% all-in
Also routable via Tron (USDT), Stellar (USDC), Solana (USDC), Polygon (USDC).
Source: Luno REST 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 →Different providers excel at different things. Here's who's best for each use case on the United Kingdom 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
Remitly
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Kenya
Sending money to Kenyais straightforward with the right provider. Here's how it works in 3 simple steps.
Choose how much GBP you want to send, compare providers above, and pick the one offering the best KES amount for your transfer to Kenya.
Enter your recipient's details in Kenya — you'll need their bank account number. Most providers verify details instantly.
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — m-pesa typically takes minutes.
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.
See how much your recipient would get for common transfer amounts.
InstaReM
171.78 · 1-3 business days
TapTap Send
170.00 · Under 3 minutes (95% of transfers)
LemFi
170.00 · Minutes to 1 business day
Remitly
169.91 · Minutes to 3-5 days
NatWest
168.01 · 2-5 business days
Royal Bank of Scotland
168.01 · 2-5 business days
InstaReM
171.78 · 1-3 business days
TapTap Send
170.00 · Under 3 minutes (95% of transfers)
LemFi
170.00 · Minutes to 1 business day
Remitly
169.91 · Minutes to 3-5 days
HSBC
168.93 · Same day to 3 business days
NatWest
168.01 · 2-5 business days
InstaReM
171.78 · 1-3 business days
Wise
172.38 · Instant to 2 days
XE Money Transfer
171.38 · 1-4 business days
TapTap Send
170.00 · Under 3 minutes (95% of transfers)
LemFi
170.00 · Minutes to 1 business day
Remitly
169.91 · Minutes to 3-5 days
Transfer fees from United Kingdom to Kenya vary by provider. Specialist services charge £0–10 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, not just the advertised fee.
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 (172.6767).
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.
Speed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Speed: Minutes to hours
Fast and convenient — small card processing fee applies
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Speed: Varies
Pay cash at an agent location — available at select providers
Your recipient in Kenya can receive money through these delivery methods. The best option depends on their location and preferences.
Kenya's dominant mobile money platform with 30M+ active users. By far the most popular way to receive money in Kenya.
Transfer to Kenyan bank accounts including Equity Bank, KCB, and Co-operative Bank.
Collect cash from agent locations and bank branches across Kenya.
Send airtime directly to a Kenyan mobile number.
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
Most transfers from United Kingdom 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.
These are the most commonly used banks for receiving international transfers in Kenya.
Equity Bank
EABORINKXXX
KCB Bank (Kenya Commercial Bank)
KCBLKENAXX
Co-operative Bank
KCOOKENA
Absa Bank Kenya
BABORINKXXX
Standard Chartered Kenya
SCBLKENAXX
Daily best exchange rates from top providers over the last 99 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ | Royal Bank of Scotland | NatWest | Xoom (PayPal) |
|---|---|---|---|---|---|
| Trend | |||||
| Jul 4 | 170.0000✓ | 170.0000✓ | 168.0199 | 168.0199 | 164.8745 |
| Jul 3 | 170.0000✓ | 170.0000✓ | 168.0199 | 168.0199 | 164.8745 |
| Jul 2 | 169.9000✓ | 169.9000✓ | 167.0627 | 167.0627 | 163.7761 |
| Jul 1 | 169.9000✓ | 169.9000✓ | 167.0064 | 167.0064 | 163.6638 |
| Jun 30 | 169.9000✓ | 169.9000✓ | 167.0358 | 167.0358 | 163.7502 |
| Jun 29 | 170.0000✓ | 170.0000✓ | 166.1969 | 166.1969 | 163.1233 |
| Jun 28 | 170.0000✓ | 170.0000✓ | 166.1969 | 166.1969 | 163.1233 |
| Jun 27 | 170.0000✓ | 170.0000✓ | 166.1969 | 166.1969 | 163.2027 |
| Jun 26 | 168.9000✓ | 168.9000✓ | 166.6116 | 166.6116 | 163.1594 |
| Jun 25 | 168.9000✓ | 167.7895 | 165.8575 | 165.8575 | 162.9225 |
| Jun 24 | 169.1000✓ | 167.7895 | 166.2036 | 166.2036 | 163.0142 |
| Jun 23 | 169.1000✓ | 167.7895 | 166.7310 | 166.7310 | 163.5926 |
| Jun 22 | 169.0000✓ | 167.7895 | 166.4246 | 166.4246 | 163.5157 |
| Jun 21 | 169.0000 | 170.2014✓ | 166.6319 | 166.6319 | 163.4536 |
| Jun 20 | 169.7000 | 170.2014✓ | 166.6319 | 166.6319 | 163.4536 |
| Jun 19 | 169.7000 | 170.2014✓ | 166.7133 | 166.7133 | 163.1494 |
| Jun 18 | 172.0000✓ | 172.0000✓ | 167.4110 | 167.4110 | 164.5351 |
| Jun 17 | 170.0000✓ | 170.0000✓ | 169.6683 | 169.6683 | 165.7872 |
| Jun 16 | 170.0000✓ | 170.0000✓ | 169.6683 | 169.6683 | 165.7872 |
| Jun 15 | 170.0000✓ | 170.0000✓ | 169.6683 | 169.6683 | 165.7872 |
| Jun 14 | 170.9500✓ | 170.9500✓ | 168.9800 | 168.9800 | 165.5809 |
| Jun 13 | 170.9500✓ | 170.9500✓ | 168.9800 | 168.9800 | 165.5809 |
| Jun 12 | 170.9500✓ | 170.9500✓ | 168.9800 | 168.9800 | 165.5809 |
| Jun 11 | 170.9500✓ | 170.9500✓ | 168.6997 | 168.6997 | 165.2794 |
| Jun 10 | 170.9500✓ | 170.9500✓ | 168.6997 | 168.6997 | 165.2794 |
| Jun 9 | 170.9500✓ | 170.9500✓ | 167.9543 | 167.9543 | 164.6175 |
| Jun 8 | 170.9500 | 172.7000✓ | 168.0774 | 168.0774 | 164.6934 |
| Jun 7 | 171.0000 | 172.7000✓ | 168.0696 | 168.0696 | 164.6858 |
| Jun 6 | 171.5000 | 172.7000✓ | 168.0696 | 168.0696 | 164.6858 |
| Jun 5 | 172.6000✓ | 172.6000✓ | 169.0487 | 169.0487 | 165.7276 |
| Jun 4 | 172.6000✓ | 172.6000✓ | 168.9830 | 168.9830 | 165.8627 |
| Jun 3 | 172.6000✓ | 172.6000✓ | 169.7015 | 169.7015 | 166.2333 |
| Jun 2 | 172.4000✓ | 172.4000✓ | 169.5199 | 169.5199 | 166.2677 |
| Jun 1 | 172.6000✓ | 172.6000✓ | 169.2182 | 169.2182 | 166.2646 |
| May 31 | 172.4500✓ | 172.4500✓ | 169.5516 | 169.5516 | 166.2875 |
| May 30 | 172.4500✓ | 170.5543 | 169.5516 | 169.5516 | 166.2875 |
| May 29 | 172.3000✓ | 170.5543 | 169.5690 | 169.5690 | 166.2666 |
| May 28 | 172.5000✓ | 172.5000✓ | 169.0559 | 169.0559 | 165.8484 |
| May 27 | 173.0000✓ | 173.0000✓ | 169.6163 | 169.6163 | 166.5608 |
| May 26 | 173.0000✓ | 173.0000✓ | 169.9425 | 169.9425 | 166.0512 |
| May 25 | 172.4000✓ | 172.4000✓ | 169.9312 | 169.9312 | 166.4233 |
| May 24 | 172.0000✓ | 172.0000✓ | 169.5371 | 169.5371 | 166.1984 |
| May 23 | 172.0000✓ | 169.7277 | 169.5371 | 169.5371 | 166.0497 |
| May 22 | 172.0000✓ | 169.7277 | 169.2888 | 169.2888 | 165.9218 |
| May 21 | 172.0000✓ | 172.0000✓ | 169.4704 | 169.4704 | 165.9746 |
| May 20 | 170.3000✓ | 170.3000✓ | 168.3666 | 168.3666 | 165.5739 |
| May 19 | 170.3000✓ | 170.3000✓ | 169.0940 | 169.0940 | 166.0294 |
| May 18 | 170.3000✓ | 170.3000✓ | 166.6803 | 166.6803 | 164.4562 |
| May 17 | 170.3000✓ | 170.3000✓ | 167.5363 | 167.5363 | 164.4629 |
| May 16 | 172.0000 | 173.5000✓ | 167.5363 | 167.5363 | 164.4629 |
| May 15 | 173.5000✓ | 172.4000 | 167.9593 | 167.9593 | 165.1028 |
| May 14 | 173.6000✓ | 172.4000 | 169.6551 | 169.6551 | 166.2962 |
| May 13 | 174.7000✓ | 172.4000 | 169.8670 | 169.8670 | 166.9325 |
| May 12 | 174.7000✓ | 172.4000 | 170.5584 | 170.5584 | 167.5783 |
| May 11 | 174.7000✓ | 172.4000 | 171.0170 | 171.0170 | 168.2882 |
| May 10 | 174.7000✓ | 172.4000 | 171.5196 | 171.5196 | 168.0035 |
| May 9 | 174.7000✓ | 172.4000 | 171.5196 | 171.5196 | 167.9021 |
| May 8 | 174.7000✓ | 172.4000 | 170.1920 | 170.1920 | 167.6335 |
| May 7 | 174.4000✓ | 172.4000 | 170.7299 | 170.7299 | 167.6142 |
| May 6 | 174.4000✓ | 172.4000 | 170.8108 | 170.8108 | 167.2026 |
| May 5 | 174.0000✓ | 172.4000 | — | — | — |
| May 4 | 173.7000✓ | 172.4000 | 171.1712 | 171.1712 | 167.3289 |
| May 3 | 173.7000✓ | 172.4000 | 171.1234 | 171.1234 | 167.4062 |
| May 2 | 173.7000✓ | 172.4000 | 171.1234 | 171.1234 | 167.4062 |
| May 1 | 173.7000✓ | 172.4000 | 171.1081 | 171.1081 | 167.6532 |
| Apr 30 | 173.6000✓ | 172.4000 | 169.6681 | 169.6681 | 166.1172 |
| Apr 29 | 173.0000✓ | 172.4000 | 169.8240 | 169.8240 | 166.5027 |
| Apr 28 | 173.0000✓ | 172.4000 | 170.0906 | 170.0906 | 166.7978 |
| Apr 27 | 173.0000✓ | 172.4000 | 170.3658 | 170.3658 | 167.3155 |
| Apr 26 | 173.0000✓ | 172.4000 | 170.4145 | 170.4145 | 166.9647 |
| Apr 25 | 173.3000✓ | 172.4000 | 170.4145 | 170.4145 | 166.9647 |
| Apr 24 | 173.0000✓ | 172.4000 | 169.4771 | 169.4771 | 166.2007 |
| Apr 23 | 174.1000✓ | 172.4000 | 169.7309 | 169.7309 | 166.3699 |
| Apr 22 | 173.6000✓ | 172.4000 | 169.7547 | 169.7547 | 166.4329 |
| Apr 21 | 174.1000✓ | 172.4000 | 170.0378 | 170.0378 | 166.8342 |
| Apr 20 | 173.8400✓ | 172.4000 | 169.3772 | 169.3772 | 166.4495 |
| Apr 19 | 173.8400✓ | 172.4000 | 169.5823 | 169.5823 | 166.5488 |
| Apr 18 | 173.5000✓ | 172.4000 | 169.5823 | 169.5823 | 166.5488 |
| Apr 17 | 173.5000✓ | 172.4000 | 169.9562 | 169.9562 | 166.7854 |
| Apr 16 | 174.1000✓ | 172.4000 | 170.6247 | 170.6247 | 167.1944 |
| Apr 15 | 174.2000✓ | 172.4000 | 170.9975 | 170.9975 | 167.4432 |
| Apr 14 | 173.5000✓ | 172.4000 | 170.4662 | 170.4662 | 166.6898 |
| Apr 13 | 172.0000 | 172.4000✓ | 168.4625 | 168.4625 | 165.8936 |
| Apr 12 | 173.1000✓ | 172.4000 | 169.2286 | 169.2286 | 165.9387 |
| Apr 11 | 173.1000✓ | 172.4000 | 169.2286 | 169.2286 | 165.9387 |
| Apr 10 | 173.8000✓ | 172.4000 | 168.9000 | 168.9000 | 165.7473 |
| Apr 9 | 173.5000✓ | 172.4000 | 168.7157 | 168.7157 | 165.3020 |
| Apr 8 | 170.5000 | 172.4000✓ | 169.5269 | 169.5269 | 164.9350 |
| Apr 7 | 170.5000 | 172.4000✓ | 166.6764 | 166.6764 | 163.9801 |
| Apr 6 | 170.5000 | 172.4000✓ | 166.5902 | 166.5902 | 163.4527 |
| Apr 5 | 170.5000 | 172.4000✓ | 166.6060 | 166.6060 | 163.2892 |
| Apr 4 | 171.1000 | 172.4000✓ | 166.6060 | 166.6060 | 163.2892 |
| Apr 3 | 171.1000 | 172.4000✓ | 166.5234 | 166.5234 | 164.1557 |
| Apr 2 | 171.1000 | 172.4000✓ | 167.2114 | 167.2114 | 164.0944 |
| Apr 1 | 171.6000 | 172.4000✓ | 168.8069 | 168.8069 | 164.4613 |
| Mar 31 | 171.5000 | 172.4000✓ | 167.3517 | 167.3517 | 164.3886 |
| Mar 30 | 171.0000 | 172.4000✓ | 166.5349 | 166.5349 | 164.2123 |
| Mar 29 | 171.6000 | 172.4000✓ | 166.8647 | 166.8647 | 164.3126 |
| Mar 28 | 172.8000✓ | 171.0000 | 167.4616 | 167.4616 | 165.3759 |
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.
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.
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 £500 transfer today.
Yes, all the providers we compare support online transfers from United Kingdom to Kenya. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Money transfer services are almost always cheaper. Banks typically charge £25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge £0–10 with markups under 1%, saving you significantly on every transfer to Kenya.
Everything about sending money to Kenya
Recipient requirements, delivery methods, regulations, popular banks, and more.
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