Send Money to Kenya from the UK: A Practical Guide

Overview

Sending money from the UK to Kenya is straightforward and you have several routes to choose from. The right option depends on how quickly the money is needed, how much you're sending, and what the recipient can receive (bank transfer, mobile money, or cash pickup).

Methods for Sending Money

Bank transfers to Kenyan banks

You can send money directly to a Kenyan bank account. You’ll typically need the recipient’s full name, bank name and branch, account number, and the receiving bank’s SWIFT/BIC code if required. Some banks support faster transfers via international payment networks.

Online money transfer services

Online platforms such as Wise, Remitly, WorldRemit, Xoom, and Azimo offer international transfers with online registration and various funding options. They often provide transparent fees and competitive exchange rates, with transfers arriving within minutes to a few hours in many cases.

Cash pickup and mobile money (M-Pesa)

In Kenya, many providers offer cash pickup or direct deposits to mobile money wallets like M-Pesa. This can be a fast option for recipients without bank accounts. Availability varies by service and location, so check what’s offered for your transfer route.

Costs and Exchange Rates

Fees depend on the provider and the funding method (bank transfer, debit/credit card, or cash). In addition to any upfront fee, a margin is applied to the exchange rate. Always compare total cost and the expected arrival time, not just the headline rate.

How to Send Money: Step-by-Step

1. Compare providers and pick the option that balances cost and speed.
2. Enter recipient details (name, bank info or mobile number) and the amount.
3. Verify your identity as required.
4. Fund the transfer (card, bank transfer, or other options).
5. Confirm and track the transfer until it’s received.
6. Have the recipient confirm receipt and keep the reference number.

Delivery Options in Kenya

• Bank deposits to Kenyan accounts
• Cash pickup at designated locations
• Mobile money deposits (M-Pesa) to the recipient’s wallet

Tips to Stay Safe

• Use reputable, licensed providers and double-check recipient details.
• Enable two-factor authentication on your account.
• Be wary of phishing attempts and never share security codes.
• Start with small transfers to verify the process before sending larger sums.
• Keep transfer references and receipts until you know funds arrived.

Quick Compare: Popular Providers

• Wise: known for transparent fees and mid-market exchange rate.
• Remitly: strong speed options and promotions.
• WorldRemit: offers mobile money and cash pickup.
• Western Union / Xoom: broad coverage, including cash pickup.
• Azimo: competitive rates and ease of use.