Sending Money to Kenya: Fees, Limits, and Options

Nov 23, 2025 0

Do you need to send money to a friend or family member in Kenya? Or, maybe you want to pay for goods, top-up airtime, or complete a business transaction from abroad? Reliable money transfer companies offer convenient funds transfer options online, in person, using agent locations, bank transfers, and debit or credit cards.

Gone are the days of queuing at the bank for hours to effect payment. For, you can now send money to Kenya from as little as $1 and as much as $1,000,000 instantly, from the comfort of your home.

First things first; is it your first time to send money to Kenya while abroad? Next, choose how much you want to send to Kenya. Also, know who is to receive the money in Kenya.

Here's a detailed look at some of the top money transfer services for sending money to Kenya, including their fees and limits.

Top Money Transfer Services for Kenya

PoaPay

Welcome to PoaPay, a trusted and licensed Money Services Business (MSB) dedicated to providing a secure, fast, and cost-effective way to send money to Kenya. We understand that sending money to Kenya should be simple, affordable, and hassle-free. At PoaPay, we've designed a platform that eliminates delays, high fees, and the complications often associated with international money transfers. Send money to Kenya from the comfort of your home or office, using any device with an internet connection. Your trust is our top priority. PoaPay integrates industry-leading security protocols to ensure your transactions are safe. Experience the difference with PoaPay.

Taptap Send

Taptap Send is an ideal option for quick and low-cost international money transfers to family and friends in Kenya. Enjoy competitive exchange rates and zero upfront fees, ensuring that more of your money reaches your loved ones. With Taptap Send, you can conveniently send money using a debit card or a bank account.

Maximum Transaction Amount: Varies by country and payment method.

WorldRemit

WorldRemit is your go-to instant international money transfer provider to family and friends anywhere in Kenya. More so, enjoy competitive exchange rates and lower fees that you can view and compare upfront. Then, choose one of the flexible payment options that include a card (debit, credit, or prepaid card), bank transfer, Poli, Interac, iDEAL Klarna, or Apple Pay.

Maximum Transaction Amount: Kshs. 150,000 per transaction to M-Pesa accounts.

Profee

Profee is the perfect remittance solution for Kenyan expats in the UK. The service offers favourable terms: no transfer fees or extra costs, and a market-beating exchange rate - so you may send more money to your loved ones back home. Moreover, Profee gives its new clients a promo exchange rate as a welcome gift.

Read also: US to Uganda Money Transfers

Wise (formerly TransferWise)

Wise (formerly TransferWise) is a great option for those looking to send money to Kenya with transparency and minimal fees. Known for its commitment to mid-market exchange rates and low, transparent fees, Wise ensures that you get a fair deal on every transfer.

Maximum Transaction Amount: Varies by country and payment method.

Remitly

Do you need to send $100 or less to your family or friends in Kenya? Do it using Remitly. Indeed, Remitly is an international money payment provider with no minimum limits. The vendor works with most banks and money transfer companies in Kenya to deliver whatever amount of money to your friends and loved ones for as low as $3.99 per transaction.

Furthermore, you can lower these transaction costs by taking advantage of the regular discount offers for new customers.

Payoneer

Are you a freelance professional who wants to send as little as $50 to Kenya? Opt for Payoneer, an international money transfer provider for your business payments. Here, freelancers, online sellers, SMBs, marketplaces, and enterprises can send and receive money for their products and services from at least 150 countries across the globe. It gives your small business a head start as you get reports and real-time analysis of your B2B payments for tax accountability.

Read also: Best Ways to Send Money to Nigeria

Western Union

Western Union is one of the pioneer international money payments companies serving the Kenyan market. It has a broad reach allowing you to send money to Kenya directly from 200 countries, including Vietnam, Yemen, Virgin Islands, Uzbekistan, and Ireland. Here, send up to $10,000 per day to your recipient’s bank account, M-Pesa account, or a local Western Union cash pick-up agent.

Azimo

Do you prefer making bulk payments using a money transfer platform in your native Spanish, Portuguese, Romanian, French, Italian, Russian, or English languages? Azimo is your go-to money payment vendor for this. Indeed, you get to wire any amount from zero to £250,000 through an EFT or £12,000 using your debit or credit card to up to 200 countries.

MoneyGram

Do you have family and friends in remote locations, away from mainstream banking services? Send them money via MoneyGram and ask them to pick it up at the vendor’s agent location near them. See, MoneyGram has 70 agent outlets spread out throughout Kenya where the recipient can pick up the cash in person.

Sendwave

Sendwave is your go-to international money payment provider for mobile banking solutions. Indeed, the vendor facilitates instant funds transfer to mobile wallets at no extra cost. Download the Sendwave mobile app, sign up, link your debit card, and send money to Kenya from your phone to your loved ones’ phones in minutes.

PayPal

Finally, if you make frequent online purchases, or pay remote workers based in Kenya, switch to PayPal for instant transfers to the bank or mobile wallets. PayPal boasts of a vast global network and secure money transfer through its 24/7 fraud monitoring strategies.

Security Measures

The ten money transfer companies above work with local banks and money transfer agents to facilitate a fast and secure transaction when sending money to Kenya. More so, they implement additional safety measures alongside secure passwords. These include 4-digit PINs, two-factor authentications, touch and face recognition.

General Terms and Conditions

Many money transfer services have similar terms and conditions, including:

Agreement to Terms: By accessing and Using the Service, You are agreeing to these Terms.
Electronic Communications: Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law.
Service Availability: The service will only be available in geographical regions where the chosen mobile phone service provider(s) provide(s) postapay infrastructure & connectivity.

Fees and Charges

Money transfer services reserve the right to charge a fee for the provision of the service and for the use of all or part of the service. The Customer will be liable to pay any fees levied for the use of the service, unless waiver of the same is communicated. These charges will be reflected in the wallet account statement.

Intellectual Property

All the intellectual property rights in the services pursuant to these terms and conditions shall be the sole property of the respective companies.

Data Protection

Money transfer services comply with the Data Protection Act. They may collect personal data of persons to whom you may transfer money for risk and fraud prevention, as well as to market and cross-sell services to you. You consent to marketing of these services.