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Compare exchange rates, fees, and delivery times from 52+ providers to find the cheapest way to send money abroad.
Reviewed on TrustpilotCompare rates, fees, delivery times, recipient requirements, and local payment methods for every country.
When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
Just need to check exchange rates? Use our currency converter for live mid-market rates across 60+ currencies.
Save KSh4,209 — InstaReM vs XE
60d trend
Today's best
128.1466
InstaReM
60d average
129.0452
Period best
131.8400
2026-04-08
Period worst
128.1466
2026-05-20
Based on 60 days of rate data across 14 providers · Updated every 6 hours
InstaReM
Speed
1-3 business days
Fee
Free
Rate
129.1781
Mid 129.3722 ▼0.15%
KSh64,589.07
Recipient gets
Exchange rate
129.1781
Mid-market: 129.3722 (0.15% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
KSh64,589.07
Rate History
Best rate 23 of 60 days↓ 0.5% over 60d
128.5371
127.97 – 129.23
-0.3%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
Exchange rate
128.9841
Mid-market: 129.3722 (0.30% below)
Transfer fee
$1.99
Delivery
2 days
Recipient gets
KSh64,235.37
Rate History
Rate up 0.3%↑ 0.3% over 54d
128.5768
128.52 – 129.04
+0.3%
Wise
Speed
Instant
Fee
$3.69
Rate
129.2946
Mid 129.3722 ▼0.06%
KSh64,170.19
Recipient gets
Exchange rate
129.2946
Mid-market: 129.3722 (0.06% below)
Transfer fee
$3.69
Delivery
Instant
Recipient gets
KSh64,170.19
Rate History
→ 0.0% over 60d
129.3706
128.87 – 130.13
-0.1%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
128.3372
Estimated · click to quote
~KSh64,168.61
Estimated
Exchange rate
128.3372
Mid-market: 129.3722 (0.80% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~KSh64,168.61
Exchange rate
127.8327
Mid-market: 129.3722 (1.19% below)
Transfer fee
$0.49
Delivery
Instant
Recipient gets
KSh63,853.70
Rate History
↓ 0.2% over 54d
128.0115
127.61 – 128.31
-0.2%
WorldRemit
Speed
Instant
Fee
$0.99
Rate
127.8327
Mid 129.3722 ▼1.19%
KSh63,789.78
Recipient gets
Exchange rate
127.8327
Mid-market: 129.3722 (1.19% below)
Transfer fee
$0.99
Delivery
Instant
Recipient gets
KSh63,789.78
Rate History
↓ 0.6% over 54d
128.4794
127.61 – 128.57
-0.5%
Deals & promotions
Sign-up offer
First 3 transfers fee-free
Code: 3FREE
Refer a friend
You get $20 voucher per referral
Friend gets $20 voucher after first transfer of ~$130+
Remitly
Speed
Minutes to 3-5 days
Fee
Free
Rate
127.5351
Mid 129.3722 ▼1.42%
KSh63,767.56
Recipient gets
Exchange rate
127.5351
Mid-market: 129.3722 (1.42% below)
Transfer fee
Free
Delivery
Minutes to 3-5 days
Recipient gets
KSh63,767.56
Rate History
↑ 0.1% over 60d
128.1772
127.02 – 131.84
-0.5%
Deals & promotions
Sign-up offer
$25 off first transfer of $100+ with zero fees and special exchange rate
Refer a friend
You get $25 per referral
Friend gets $25 off first transfer + zero fees + promo rate
Exchange rate
127.3540
Mid-market: 129.3722 (1.56% below)
Transfer fee
Free
Delivery
Instant
Recipient gets
KSh63,677.00
Rate History
Most stable rate↓ 0.1% over 54d
127.3876
127.26 – 127.40
-0.1%
MoneyGram
Speed
0-1 days
Fee
$1.99
Rate
127.7809
Mid 129.3722 ▼1.23%
KSh63,636.18
Recipient gets
Exchange rate
127.7809
Mid-market: 129.3722 (1.23% below)
Transfer fee
$1.99
Delivery
0-1 days
Recipient gets
KSh63,636.18
Rate History
↓ 1.3% over 54d
129.1275
127.30 – 129.39
-1.1%
Deals & promotions
Sign-up offer
20% off fee on second transfer when joining MoneyGram Plus Rewards
Refer a friend
You get Zero-fee transfer after friend completes first transaction
Friend gets Zero-fee first transfer
Loyalty program
MoneyGram Plus Rewards — free to join, earn points on transfers. Premier status after 5 transfers: 40% off every 5th transfer.
Western Union
Speed
0-4 days
Fee
$1.99
Rate
127.7162
Mid 129.3722 ▼1.28%
KSh63,603.97
Recipient gets
Exchange rate
127.7162
Mid-market: 129.3722 (1.28% below)
Transfer fee
$1.99
Delivery
0-4 days
Recipient gets
KSh63,603.97
Rate History
↑ 0.2% over 54d
127.4205
127.22 – 127.68
+0.2%
Deals & promotions
Sign-up offer
First international transfer fee-free
Refer a friend
You get $15 Amazon e-gift code per referral (up to 20 friends)
Friend gets $10 Amazon e-gift code after first qualifying transfer
Loyalty program
My WU Rewards — earn points on qualifying transfers (currently paused, new program coming soon)
TapTap Send
Speed
Under 3 minutes (95% of transfers)
Fee
Free
Rate
127.0047
Mid 129.3722 ▼1.83%
KSh63,502.35
Recipient gets
Exchange rate
127.0047
Mid-market: 129.3722 (1.83% below)
Transfer fee
Free
Delivery
Under 3 minutes (95% of transfers)
Recipient gets
KSh63,502.35
Rate History
↓ 2.3% over 54d
128.5624
127.00 – 130.00
-1.2%
Deals & promotions
Sign-up offer
$20/GBP 20/EUR 20 bonus on first transfer with promo code
Refer a friend
You get $5/GBP 5/EUR 5 per referral
Friend gets $5/GBP 5/EUR 5 on first transfer
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
124.4302
Mid 129.3722 ▼3.82%
KSh62,215.09
Recipient gets
Exchange rate
124.4302
Mid-market: 129.3722 (3.82% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
KSh62,215.09
Rate History
↑ 0.1% over 60d
124.3978
124.05 – 126.16
+0.0%
Deals & promotions
Sign-up offer
First transfer with no fees
Refer a friend
You get $20 e-gift card per referral
Friend gets Fee-free first transfer
Ria Money Transfer
Speed
Minutes to 2 days
Fee
$14.00
Rate
126.9271
Mid 129.3722 ▼1.89%
KSh61,686.56
Recipient gets
Exchange rate
126.9271
Mid-market: 129.3722 (1.89% below)
Transfer fee
$14.00
Delivery
Minutes to 2 days
Recipient gets
KSh61,686.56
Rate History
↑ 0.1% over 54d
127.3792
126.93 – 127.57
+0.1%
Exchange rate
126.0991
Mid-market: 129.3722 (2.53% below)
Transfer fee
$20.00
Delivery
1 day
Recipient gets
KSh60,527.56
XE
Speed
1-4 business days
Fee
$30.18
Rate
128.5184
Mid 129.3722 ▼0.66%
KSh60,380.49
Recipient gets
Exchange rate
128.5184
Mid-market: 129.3722 (0.66% below)
Transfer fee
$30.18
Delivery
1-4 business days
Recipient gets
KSh60,380.49
Rate History
→ 0.0% over 2d
126.8075
126.81 – 126.81
0.0%
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)