Send Money to Kenya – Fast, Secure & Mobile-Friendly

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  • You can trust these FCA-Regulated services.
  • Send money right to mobile wallets like M-Pesa.
  • Enjoy low fees and great exchange rates.
  • You can transfer money online or on the app anytime, day or night.

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What’s the Fastest and Safest Way to Send Money to Kenya from the UK?

The quickest and safest way to send money to Kenya is by using trusted online money transfer services. With these platforms, you can send money straight to a mobile wallet like M-Pesa. You can also put the money into a Kenyan bank account or let your recipient pick up cash. This makes it easy for people to get their money in the way that works best for them.

Unlike high street banks, online platforms offer:

  • You can get better exchange rates.
  • You pay lower transfer fees.
  • Your money gets there faster.

Depending on the way you pay and the time of day, the delivery can be right away or within one business day.

Which Money Transfer Services Offer the Lowest Fees to Kenya?

Compare our trusted UK-based partners to get a better deal when sending money to Kenya:

Provider Fees GBP/KES Rate Recipient Gets (KES) Delivery Time
Equals Money £0.00 180 KES 18,000 Same Day or Next Day
Regency FX £1.00 179 KES 17,900 1 Business Day
Key Currency £1.50 178 KES 17,800 Same Day or Next Day
Halo Financial £0.00 177 KES 17,700 Instant to 1 Business Day
OFX £0.99 176 KES 17,600 1–2 Business Days

🔹 Note: Rates shown are examples from August 2025 and may change. Delivery time and final amount depend on your payment method and when the transfer is made.

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How Long Does It Take to Send Money to Kenya?

Delivery Method Estimated Time
Mobile Wallet (M-Pesa) Minutes to 1 hour
Bank Transfer 1–2 business days
Cash Pickup 15 minutes to 24 hrs
Debit/Credit Card Instant to 24 hours

Most online money transfers to Kenya let you track your transfer in real time. You can get updates through SMS or on the app.

Can I Send Money to an M-Pesa Mobile Wallet in Kenya?

Yes. M-Pesa is a popular mobile money service in Kenya. Many UK-based companies let you send money straight to M-Pesa.

To send money to a mobile wallet:

  • Choose mobile wallet to get the money.
  • Type in the mobile phone number of the person who has M-Pesa on their mobile phone.
  • Check everything and then send the money.

Your recipient will get an SMS from M-Pesa when the money comes in. They can use the money right away for shopping, to pay bills, or to take cash out.

Can I Send Money to an M-Pesa Mobile Wallet in Kenya

What Payment Options Can I Use?

Online money transfer platforms take many ways to pay:

  • You can use a debit card.
  • A credit card can be used too, but it may come with extra fees.
  • Bank account transfers are an option.
  • On mobile apps, you can pay using Apple Pay or Google Pay.
  • You can also pay with linked mobile wallets.

The payment method you pick can change how fast you get your order. It may also lead to some additional fees.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

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What Information Do I Need to Send Money to Kenya?

Before your first transfer, you’ll need:

  • Your full name, date of birth, and address
  • Your phone number and email address
  • The name of the person getting the money, just as it is on their ID or at their bank
  • The recipient’s mobile phone number if you use M-Pesa
  • The recipient's bank account number if you do a bank transfer
  • The bank name and the SWIFT or BIC code if you need it

For cash pickup:

  • You must have a valid government ID when you go to the pickup point.
  • You may need to give the transaction number to the person who gets it.

What Exchange Rate Should I Expect?

Exchange rates can change every day. Each provider will set their own rate for these exchanges. Most money transfer services add a bit extra to the mid-market rate.

What Exchange Rate Should I Expect

To get the best deal:

  • Use tables to compare and see the total payout you get after all fees.
  • Do not pick providers if they hide their exchange rates.
  • Go for services that say they have great exchange rates.

Using international money transfer services that show clear rates helps you not to pay more because of hidden fees. This way, you know the cost up front and can feel good about where your money goes. A lot of people use these services to send money, and getting clear details will save you time and stress. It is a good idea to be careful with hidden fees when you choose a service.

Can I Send Money to Kenya Without a Bank Account?

Yes, you do not need to have a UK bank account to send money to Kenya. There are other ways to send money.

  • Paying with a debit card or a credit card
  • Using prepaid cards
  • Adding money through mobile wallet apps

On the other side, people using a mobile wallet like M-Pesa can take out money, send it, or use it to pay for things. They do not need to have a regular bank for this.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

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Are There Limits on Transfers to Kenya?

Yes, the limits are different for each provider and also depend on your verification status.

Verification Level Max per Transfer Max per Month
Basic £2,000 £8,000
Verified £5,000–£10,000 £25,000+

Transfers are controlled to keep the process safe and to stop fraud. Most apps will let you know if you reach the transfer limit.

What Should I Do If My Recipient Has Trouble Receiving Funds?

If you run into a problem with delivery, here is what you should look at:

  • Make sure the recipient’s mobile phone, phone number, or bank account is correct.
  • Check that their ID is the same as the transfer information if they will get cash or pick it up at the bank.
  • Use tracking tools in your money transfer app to see the status.
  • Contact customer support by using the sending platform if you need help.

Refunds for failed transfers usually take about 2–5 business days. This is the time it will usually take for the money to get back to you. If it takes longer, you can reach out for help.

Compare International Money Transfer Services

Comparing Features, Fees, and Reliability for Seamless Money Transfers

Check Rates

Are There Any Hidden Fees?

Some services say they charge zero fees. But they often add the cost in other ways:

  • Exchange rate markups
  • Fees for card payments
  • Extra charges if you want the money to arrive faster

Use a service that lets you see all the details before you finish your international money transfer. Watch out for:

  • Always click on the “see terms” links before you say yes to the fee. This way, you know all the details.
  • Check if the exchange rate they use is the real mid-market rate or not. This helps you get a good deal when you swap money.

Being open about things is very important. You can now do most steps on your phone or by using a mobile app today. This helps you feel at ease and gives peace of mind.

Are There Promotions for New Customers Sending to Kenya?

Yes. Many services reward new users:

  • WorldRemit: Get your first transfer free when you use the code
  • Remitly: Save money on your first three transfers
  • PaySend: Send your first transfer with a £0 fee

Check the “promotions” section in each app. Make sure you are a first-time user. Most of them will help you at every step of the way.

FAQs – About Sending Money to Kenya

You can send up to £8,000 without needing to show ID. Some services let you send over £25,000 if you give full identification.

Yes. Platforms such as M-Pesa are used by many people, and there are rules that control how they work.

Yes. When you move money using a mobile wallet or a debit card, it is often instant. This works even on weekends.

Services like WorldRemit, PaySend, and Remitly give you low fees. You can track your transfers with the app. These services also work with M-Pesa.

Only if you are using bank deposit, you will need more details. For M-Pesa, you just need a mobile number.

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Correct as of 07 August 2025

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Page last updated on: 12/08/2025

Page reviewed by: Andrea Troy

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