How to Send Money to Kenya: Options, Costs, and Tips

Why people send money to Kenya

People send money to Kenya for family support, education, medical needs, or to help relatives start a small business. International remittances can be a reliable source of income for households and communities, and they often arrive in Kenyan shillings or directly to a recipient's mobile wallet.

Common ways to send money to Kenya

There are several ways to move funds from abroad to Kenya. Each method has different costs, speeds, and access requirements for the recipient.

Bank transfers

International bank transfers can deliver funds to Kenyan bank accounts. They are widely available but may involve higher processing times and fees, especially for smaller amounts. You’ll typically need the recipient’s bank name, account number, and the receiving bank’s SWIFT/BIC code. Delivery can range from same day (in some cases) to several business days.

Mobile money and M-Pesa

Mobile money is extremely popular in Kenya. Many providers offer direct transfers to M-Pesa, Kenya’s leading mobile wallet. This option can be fast and convenient, especially for recipients who don’t have a bank account. Availability varies by provider and country of origin, and there may be limits on how much can be received.

Money transfer operators

Specialized services like Western Union, WorldRemit, and Remitly enable cash pickup or mobile wallet delivery in Kenya. These providers often offer practical features like trackability and customer support. Delivery options include cash at agent locations or direct-to-mobile wallets, with varying speeds and fees.

Fees, exchange rates, and speed

Total cost depends on two things: the transfer fee and the exchange rate margin (the “hidden” cost built into the rate). Banks may charge higher fees and margins than dedicated money transfer services. Delivery speed can range from minutes (for some mobile-to-wallet transfers) to a few days for bank transfers or cash pickups. Always check both the upfront fee and the total expected amount the recipient will receive.

How to compare providers

• Total cost: combine transfer fees with the exchange rate margin to see the full cost.
• Delivery method: cash pickup, bank deposit, or mobile wallet delivery.
• Speed: how quickly the recipient receives the funds.
• Accessibility: whether the recipient can access the funds easily (bank account, mobile wallet, cash pickup location).
• Reliability and support: reputation, user reviews, and customer support quality.
• Limits and requirements: minimum/maximum transfer amounts and ID requirements.

Step-by-step: sending money to Kenya

1. Choose a provider based on cost, speed, and accessibility.
2. Enter the amount you want to send and the recipient’s details (bank or mobile wallet information, or cash pickup location).
3. Select delivery method and review fees, exchange rate, and estimated delivery time.
4. Provide recipient identifiers as required and complete any identity checks.
5. Confirm and send. Save or share the receipt and tracking number.
6. Track the transfer until it shows as delivered. Let the recipient know.

Safety and tips

• Use trusted, established services with clear fees and tracking.
• Double-check recipient details to avoid sending to the wrong person or account.
• Be wary of impostor requests or pressure to act quickly.
• Keep an eye on exchange rates and try to send when the rate is favorable, if possible.
• Ensure you meet any ID or verification requirements to avoid delays.