How to send money from Europe to Kenya
Best right now: Pesa. €100.00 gets KSh14,478.00 (1 EUR = 144.78 KES). Refreshed 9 Nov, 00:02.
Who pays the most on €100.00 today
- Send moneyPesaBest dealExchange rate144.78−0.51% vs mid-marketTotal fees€0.51Recipient getsKSh14,478.00
The exchange rate Pesa uses is 144.78, which is 0.51% lower than the mid-market rate of 145.52. That adds €0.51 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €0.51 compared with the mid-market rate.
Save up to €7.38 compared with Xoom - Go to TransferGoTransferGoExchange rate144.78−0.51% vs mid-marketTotal fees€0.51Recipient getsKSh14,477.62
The exchange rate TransferGo uses is 144.78, which is 0.51% lower than the mid-market rate of 145.52. That adds €0.51 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €0.51 compared with the mid-market rate.
- Go to LemFiLemFiExchange rate144.77−0.51% vs mid-marketTotal fees€0.51Recipient getsKSh14,477.00
The exchange rate LemFi uses is 144.77, which is 0.51% lower than the mid-market rate of 145.52. That adds €0.51 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €0.51 compared with the mid-market rate.
- Go to InstaremInstaremExchange rate144.70−0.56% vs mid-marketTotal fees€0.56Recipient getsKSh14,470.00
The exchange rate Instarem uses is 144.70, which is 0.56% lower than the mid-market rate of 145.52. That adds €0.56 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €0.56 compared with the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate144.11−0.97% vs mid-marketTotal fees€0.97Recipient getsKSh14,411.45
The exchange rate AfriChange uses is 144.11, which is 0.97% lower than the mid-market rate of 145.52. That adds €0.97 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you €0.97 compared with the mid-market rate.
- Go to DahabshiilDahabshiilExchange rate147.00+1.02% vs mid-marketTotal fees€0.99Recipient getsKSh14,407.47
Dahabshiil's rate of 147.00 is 1.02% better than the mid-market rate of 145.52, so there's no hidden markup in the rate.
They also charge a transfer fee of €1.99.
Altogether, this transfer costs you €0.99 compared with the mid-market rate.
- Go to TalkRemitTalkRemitExchange rate147.00+1.02% vs mid-marketTotal fees€0.99Recipient getsKSh14,407.47
TalkRemit's rate of 147.00 is 1.02% better than the mid-market rate of 145.52, so there's no hidden markup in the rate.
They also charge a transfer fee of €1.99.
Altogether, this transfer costs you €0.99 compared with the mid-market rate.
- Go to TapTap SendTapTap SendExchange rate144.00−1.04% vs mid-marketTotal fees€1.04Recipient getsKSh14,400.00
The exchange rate TapTap Send uses is 144.00, which is 1.04% lower than the mid-market rate of 145.52. That adds €1.04 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you €1.04 compared with the mid-market rate.
- Go to NalaNalaExchange rate143.55−1.35% vs mid-marketTotal fees€1.35Recipient getsKSh14,355.09
The exchange rate Nala uses is 143.55, which is 1.35% lower than the mid-market rate of 145.52. That adds €1.35 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you €1.35 compared with the mid-market rate.
- Go to SendwaveSendwaveExchange rate143.49−1.40% vs mid-marketTotal fees€1.40Recipient getsKSh14,348.75
The exchange rate Sendwave uses is 143.49, which is 1.40% lower than the mid-market rate of 145.52. That adds €1.40 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €1.40 compared with the mid-market rate.
- Go to Send AppSend AppExchange rate142.62−1.99% vs mid-marketTotal fees€1.99Recipient getsKSh14,262.15
The exchange rate Send App uses is 142.62, which is 1.99% lower than the mid-market rate of 145.52. That adds €1.99 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €1.99 compared with the mid-market rate.
- Go to GreyGreyExchange rate143.78−1.20% vs mid-marketTotal fees€2.18Recipient getsKSh14,234.22
The exchange rate Grey uses is 143.78, which is 1.20% lower than the mid-market rate of 145.52. That adds €1.18 as a hidden exchange-rate markup.
They also charge a transfer fee of €1.00.
Altogether, this transfer costs you €2.18 compared with the mid-market rate.
- Go to RevolutRevolutExchange rate143.56−1.35% vs mid-marketTotal fees€2.34Recipient getsKSh14,212.05
The exchange rate Revolut uses is 143.56, which is 1.35% lower than the mid-market rate of 145.52. That adds €1.34 as a hidden exchange-rate markup.
They also charge a transfer fee of €1.00.
Altogether, this transfer costs you €2.34 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate140.28−3.60% vs mid-marketTotal fees€3.60Recipient getsKSh14,028.47
The exchange rate Remitly uses is 140.28, which is 3.60% lower than the mid-market rate of 145.52. That adds €3.60 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €3.60 compared with the mid-market rate.
- Go to WiseWiseExchange rate144.87−0.45% vs mid-marketTotal fees€3.98Recipient getsKSh13,972.52
The exchange rate Wise uses is 144.87, which is 0.45% lower than the mid-market rate of 145.52. That adds €0.43 as a hidden exchange-rate markup.
They also charge a transfer fee of €3.55.
Altogether, this transfer costs you €3.98 compared with the mid-market rate.
- Go to SkrillSkrillExchange rate137.70−5.37% vs mid-marketTotal fees€5.37Recipient getsKSh13,770.44
The exchange rate Skrill uses is 137.70, which is 5.37% lower than the mid-market rate of 145.52. That adds €5.37 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €5.37 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate137.40−5.58% vs mid-marketTotal fees€7.46Recipient getsKSh13,466.09
The exchange rate Western Union uses is 137.40, which is 5.58% lower than the mid-market rate of 145.52. That adds €5.47 as a hidden exchange-rate markup.
They also charge a transfer fee of €1.99.
Altogether, this transfer costs you €7.46 compared with the mid-market rate.
- Go to XoomXoomExchange rate138.17−5.05% vs mid-marketTotal fees€7.89Recipient getsKSh13,403.63
The exchange rate Xoom uses is 138.17, which is 5.05% lower than the mid-market rate of 145.52. That adds €4.90 as a hidden exchange-rate markup.
They also charge a transfer fee of €2.99.
Altogether, this transfer costs you €7.89 compared with the mid-market rate.
Step by step
- Compare what your recipient gets
Check the live table on this page. Providers differ on both fee and exchange rate, so rank them by what lands in Kenya, not by the fee alone. Right now the gap between the best and worst option on €100.00 is KSh1,074.37.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a passport or national ID card, plus sometimes proof of address. Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name and their M-Pesa number, or bank and account number ready. Double-check the name matches their account exactly; mismatches are the most common reason transfers are held.
- Enter the amount and check the final figure
Type how much you're sending. Before you confirm, check the exact amount your recipient will get on the provider's summary screen, since rates move during the day.
- Pay and track the transfer
Pay with a debit card, Apple Pay or Google Pay, or a SEPA bank transfer. You'll get a reference and status updates; send the reference to your recipient so they can follow it too.
How your recipient gets it in Kenya
- M-Pesa, usually within minutes
- Directly into a Kenyan bank account
- Cash pickup with some providers
What people send for
- Monthly support for parents and family
- School fees and university costs
- Building or property projects back home
- Weddings, funerals and family emergencies
- Paying staff, suppliers or business costs
The providers, at a glance
Questions
Right now Pesa pays the most: sending €100.00, your recipient gets KSh14,478.00 after fees (1 EUR = 144.78 KES). The cheapest provider changes often, so check the live table before each transfer.
Most app-based providers deliver within minutes to a few hours once your account is verified. First transfers can take longer while ID checks complete, and bank payouts outside business hours may land the next working day.
M-Pesa, usually within minutes. Directly into a Kenyan bank account. Cash pickup with some providers. Each provider supports different payout options, so check before you send.
Usually the exchange rate. A "zero fee" transfer can still cost more if the provider's rate is further from the mid-market rate; even today's best rate is about 0.5% below mid-market. That's why we rank by what your recipient actually gets.
No. Ratenify compares providers; you always send on the provider's own app or website. We never hold your money.