Send Money to Kenya: Best Apps and Rates in 2025
Kenya has one of Africa's most active money-transfer markets. With AyaSend, you can instantly compare fees, exchange rates, and delivery speed across the top providers — helping you send more KES home with less cost.
What to Check Before Sending
- Total cost = transfer fee + FX margin
- Delivery time: instant, same day, or 1–2 days
- Payment & payout: bank deposit, cash pickup, or M-PESA mobile money
- Security: all providers are licensed and regulated
Top Providers for Transfers to Kenya
| Provider | Typical Fee (USD 200) | Delivery Time | Payout Option |
|---|---|---|---|
| Wise | $2 – 3 | 1–2 days | Bank deposit |
| Remitly | $3 – 5 | Instant – 1 h | Bank & M-PESA |
| WorldRemit | ≈ $3 | Instant | M-PESA, Cash pickup |
| Sendwave | $0 | Instant | M-PESA |
| Ria / WU | $4 – 6 | Same day | Bank / Cash |
💡 AyaSend ranks each offer by "You Receive" so you see exactly how much your family gets after all fees.
Payout Methods in Kenya
- Mobile Money: M-PESA (instant 24/7)
- Bank Deposits: KCB, Equity, Co-operative Bank, etc.
- Cash Pickup: through Ria, Western Union, and others
How to Send Money to Kenya with AyaSend
- Visit AyaSend.
- Choose your sending country and currency.
- Enter the amount and see live comparisons.
- Pick the best rate → click Send Now to finish on the provider's site.
Fees & Rates Explained
AyaSend reveals hidden exchange-rate margins so you always know the true total cost of your transfer.
Safety & Compliance
All providers listed are fully licensed and comply with KYC/AML regulations in both the sending and receiving countries.
Start Now
👉 Compare live rates to Kenya and keep more of your money where it belongs — home.
