How to send money from UK to Kenya
Best right now: Dahabshiil. £100.00 gets KSh17,445.78 (1 GBP = 178.00 KES). Refreshed 9 Nov, 00:03.
Who pays the most on £100.00 today
- Send moneyDahabshiilBest dealExchange rate178.00+2.02% vs mid-marketTotal fees£0.01Recipient getsKSh17,445.78
Dahabshiil's rate of 178.00 is 2.02% better than the mid-market rate of 174.48, so there's no hidden markup in the rate.
They also charge a transfer fee of £1.99.
Altogether, this transfer costs you £0.01 compared with the mid-market rate.
Save up to £7.98 compared with Xoom - Go to TalkRemitTalkRemitExchange rate178.00+2.02% vs mid-marketTotal fees£0.01Recipient getsKSh17,445.78
TalkRemit's rate of 178.00 is 2.02% better than the mid-market rate of 174.48, so there's no hidden markup in the rate.
They also charge a transfer fee of £1.99.
Altogether, this transfer costs you £0.01 compared with the mid-market rate.
- Go to PesaPesaExchange rate173.59−0.51% vs mid-marketTotal fees£0.51Recipient getsKSh17,358.80
The exchange rate Pesa uses is 173.59, which is 0.51% lower than the mid-market rate of 174.48. 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 TransferGoTransferGoExchange rate173.57−0.52% vs mid-marketTotal fees£0.52Recipient getsKSh17,357.07
The exchange rate TransferGo uses is 173.57, which is 0.52% lower than the mid-market rate of 174.48. That adds £0.52 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £0.52 compared with the mid-market rate.
- Go to InstaremInstaremExchange rate173.41−0.61% vs mid-marketTotal fees£0.61Recipient getsKSh17,341.28
The exchange rate Instarem uses is 173.41, which is 0.61% lower than the mid-market rate of 174.48. That adds £0.61 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £0.61 compared with the mid-market rate.
- Go to PaystroPaystroExchange rate172.75−0.99% vs mid-marketTotal fees£0.99Recipient getsKSh17,275.00
The exchange rate Paystro uses is 172.75, which is 0.99% lower than the mid-market rate of 174.48. That adds £0.99 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £0.99 compared with the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate172.71−1.01% vs mid-marketTotal fees£1.01Recipient getsKSh17,271.20
The exchange rate AfriChange uses is 172.71, which is 1.01% lower than the mid-market rate of 174.48. That adds £1.01 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you £1.01 compared with the mid-market rate.
- Go to LemFiLemFiExchange rate172.70−1.02% vs mid-marketTotal fees£1.02Recipient getsKSh17,270.00
The exchange rate LemFi uses is 172.70, which is 1.02% lower than the mid-market rate of 174.48. That adds £1.02 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £1.02 compared with the mid-market rate.
- Go to TapTap SendTapTap SendExchange rate172.62−1.07% vs mid-marketTotal fees£1.07Recipient getsKSh17,262.00
The exchange rate TapTap Send uses is 172.62, which is 1.07% lower than the mid-market rate of 174.48. That adds £1.07 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you £1.07 compared with the mid-market rate.
- Go to NalaNalaExchange rate172.23−1.29% vs mid-marketTotal fees£1.29Recipient getsKSh17,223.43
The exchange rate Nala uses is 172.23, which is 1.29% lower than the mid-market rate of 174.48. That adds £1.29 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you £1.29 compared with the mid-market rate.
- Go to OAPayOAPayExchange rate172.00−1.42% vs mid-marketTotal fees£1.42Recipient getsKSh17,200.00
The exchange rate OAPay uses is 172.00, which is 1.42% lower than the mid-market rate of 174.48. That adds £1.42 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £1.42 compared with the mid-market rate.
- Go to SendwaveSendwaveExchange rate171.07−1.95% vs mid-marketTotal fees£1.95Recipient getsKSh17,107.17First transfer: KSh17,193.87
The exchange rate Sendwave uses is 171.07, which is 1.95% lower than the mid-market rate of 174.48. That adds £1.95 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £1.95 compared with the mid-market rate.
First-transfer offer: new customers get 171.94, so your recipient would get KSh17,193.87 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to Send AppSend AppExchange rate170.91−2.05% vs mid-marketTotal fees£2.05Recipient getsKSh17,090.81
The exchange rate Send App uses is 170.91, which is 2.05% lower than the mid-market rate of 174.48. That adds £2.05 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.05 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate170.51−2.28% vs mid-marketTotal fees£2.28Recipient getsKSh17,051.00First transfer: KSh17,136.00
The exchange rate Remitly uses is 170.51, which is 2.28% lower than the mid-market rate of 174.48. That adds £2.28 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.28 compared with the mid-market rate.
First-transfer offer: new customers get 171.36, so your recipient would get KSh17,136.00 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to RevolutRevolutExchange rate172.22−1.30% vs mid-marketTotal fees£2.38Recipient getsKSh17,032.62
The exchange rate Revolut uses is 172.22, which is 1.30% lower than the mid-market rate of 174.48. That adds £1.28 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.10.
Altogether, this transfer costs you £2.38 compared with the mid-market rate.
- Go to SendOvaSendOvaExchange rate170.29−2.40% vs mid-marketTotal fees£2.40Recipient getsKSh17,029.00
The exchange rate SendOva uses is 170.29, which is 2.40% lower than the mid-market rate of 174.48. That adds £2.40 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £2.40 compared with the mid-market rate.
- Go to GreyGreyExchange rate171.45−1.74% vs mid-marketTotal fees£2.72Recipient getsKSh16,973.55
The exchange rate Grey uses is 171.45, which is 1.74% lower than the mid-market rate of 174.48. That adds £1.72 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.00.
Altogether, this transfer costs you £2.72 compared with the mid-market rate.
- Go to HSBCHSBCExchange rate168.85−3.23% vs mid-marketTotal fees£3.23Recipient getsKSh16,885.40
The exchange rate HSBC uses is 168.85, which is 3.23% lower than the mid-market rate of 174.48. That adds £3.23 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £3.23 compared with the mid-market rate.
- Go to NatWestNatWestExchange rate168.78−3.27% vs mid-marketTotal fees£3.27Recipient getsKSh16,878.12
The exchange rate NatWest uses is 168.78, which is 3.27% lower than the mid-market rate of 174.48. That adds £3.27 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £3.27 compared with the mid-market rate.
- Go to RoyalRoyal Bank of ScotlandExchange rate168.78−3.27% vs mid-marketTotal fees£3.27Recipient getsKSh16,878.12
The exchange rate Royal Bank of Scotland uses is 168.78, which is 3.27% lower than the mid-market rate of 174.48. That adds £3.27 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £3.27 compared with the mid-market rate.
- Go to WiseWiseExchange rate173.63−0.49% vs mid-marketTotal fees£3.29Recipient getsKSh16,873.65
The exchange rate Wise uses is 173.63, which is 0.49% lower than the mid-market rate of 174.48. That adds £0.47 as a hidden exchange-rate markup.
They also charge a transfer fee of £2.82.
Altogether, this transfer costs you £3.29 compared with the mid-market rate.
- Go to BarclaysBarclaysExchange rate168.58−3.38% vs mid-marketTotal fees£3.38Recipient getsKSh16,858.16
The exchange rate Barclays uses is 168.58, which is 3.38% lower than the mid-market rate of 174.48. That adds £3.38 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £3.38 compared with the mid-market rate.
- Go to YousendYousendExchange rate168.50−3.43% vs mid-marketTotal fees£3.43Recipient getsKSh16,850.00
The exchange rate Yousend uses is 168.50, which is 3.43% lower than the mid-market rate of 174.48. That adds £3.43 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £3.43 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate168.58−3.38% vs mid-marketTotal fees£5.30Recipient getsKSh16,522.86
The exchange rate Western Union uses is 168.58, which is 3.38% lower than the mid-market rate of 174.48. That adds £3.31 as a hidden exchange-rate markup.
They also charge a transfer fee of £1.99.
Altogether, this transfer costs you £5.30 compared with the mid-market rate.
- Go to SkrillSkrillExchange rate165.20−5.32% vs mid-marketTotal fees£5.32Recipient getsKSh16,519.71
The exchange rate Skrill uses is 165.20, which is 5.32% lower than the mid-market rate of 174.48. That adds £5.32 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you £5.32 compared with the mid-market rate.
- Go to RiaRia Money TransferExchange rate170.37−2.36% vs mid-marketTotal fees£6.75Recipient getsKSh16,270.43First transfer: KSh16,311.73
The exchange rate Ria Money Transfer uses is 170.37, which is 2.36% lower than the mid-market rate of 174.48. That adds £2.25 as a hidden exchange-rate markup.
They also charge a transfer fee of £4.50.
Altogether, this transfer costs you £6.75 compared with the mid-market rate.
First-transfer offer: new customers get 170.80, so your recipient would get KSh16,311.73 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to XoomXoomExchange rate165.48−5.16% vs mid-marketTotal fees£7.99Recipient getsKSh16,053.62
The exchange rate Xoom uses is 165.48, which is 5.16% lower than the mid-market rate of 174.48. That adds £5.00 as a hidden exchange-rate markup.
They also charge a transfer fee of £2.99.
Altogether, this transfer costs you £7.99 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 KSh1,392.16.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a UK passport, driving licence or biometric residence 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 UK debit card, Apple Pay or Google Pay, or a bank transfer (Open Banking). 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 Dahabshiil pays the most: sending £100.00, your recipient gets KSh17,445.78 after fees (1 GBP = 178.00 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. 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.