Cheapest Way to Send Money to Kenya in 2026
Find the cheapest way to send money to Kenya. Compare fees, exchange rates, and delivery times across top providers.
💰 Best Providers for Kenya
Sendwave
$0 fees with competitive exchange rates
Top Recommended Providers:
- • Wise: Best exchange rates, transparent fees
- • Remitly: Fast delivery, promotional rates
- • WorldRemit: Global coverage, reliable service
- • Sendwave: $0 fees, instant mobile money
Top Providers for Kenya
🏆 Wise
Why Choose Wise
- • Transparent pricing with mid-market rates
- • Low fees (typically $4-10)
- • Fast transfers (minutes to hours)
- • Excellent customer reviews
Typical Cost
Transfer fee: $6-10
Exchange margin: ~0.5%
Speed: Minutes to hours
⚡ Remitly
Remitly Advantages
- • Express vs Economy options
- • First-transfer promotions
- • Strong Kenya coverage
- • Mobile app with excellent UX
Transfer Options
Express: Minutes to hours
Economy: 1-3 business days
Promo rates: Often $0 first transfer
📱 Sendwave
Sendwave Specialties
- • $0 transfer fees
- • Instant mobile money delivery
- • Africa-focused service
- • Simple, user-friendly app
Best For
Mobile money transfers
Small to medium amounts
Recipients with mobile wallets
Delivery Methods in Kenya
🏦 Bank Deposit
Speed: 15 minutes - 2 business days
Availability: All major Kenya banks
Best for: Large transfers, established recipients
Requirements: Recipient bank account details
📱 Mobile Money
Speed: Instant to minutes
Networks: M-Pesa, Airtel Money
Best for: Instant transfers, rural recipients
Requirements: Recipient mobile number
Cost Comparison Example
Sending $500 to Kenya
| Provider | Transfer Fee | Exchange Rate | Recipient Gets | Total Cost |
|---|---|---|---|---|
| Wise | $6 | Market rate | Best amount | ~$8 |
| Remitly | $4 | Slight margin | Good amount | ~$12 |
| Sendwave | $0 | Rate margin | Competitive | ~$10 |
Compare Live Rates to Kenya
Ready to send money to Kenya? Compare live rates and fees to find the best deal today.
Key Takeaways
✓ Compare total recipient amount, not just fees
✓ Use bank transfer or debit card for lower costs
✓ Consider speed vs cost based on urgency
✓ Mobile money is often fastest for instant delivery
✓ Check for promotional rates but verify total costs