The Cheapest Way to Send Money to Kenya

Send money to Kenya

Do you have any idea how much a money transfer to Kenya is going to cost you?

If you’re working with a freelancer or a team of workers in Kenya and want to transfer money, you have to be prepared for all the charges and fees that come with money transfers.

Time Doctor is a time management tool that attracts professionals from all parts of the world that work with remote teams. Many of these professionals are in need of a cost-efficient and practical international money transfer solution.

What transfer methods do we use at Time Doctor?

We have a remote team with people in 19 different countries around the world. The two transfer methods we use the most are:

  • Payoneer – very convenient for sending and receiving. They are also one of the few methods that works to receive money in almost every country and the receiver can get their money on a debit card and withdraw from an ATM. They also have an option for direct transfer to the receiver’s bank account. They also have a $50 bonus if you receive more than $100 through this method.
  • Transferwise – very low cost and also a convenient method for transfers to most countries.

The following tables include information about the cheapest methods to send money to Kenya if you’re located in the US, Canada, Australia or Europe.

Table 1: Sending $1000 from the US to Kenya
Transfer methodFees to send $1000 USDHidden currency conversion costTotal feesTime for the transfer to arrive
XE Trade$0$9$93-5 days
Ria Money Transfer (slow)$5$16$213-5 days
Payoneer$3$25$283-5 days
Ria Money Transfer (fast)$15$16$31In Minutes
Xpress Money$15$22$373-5 days
MoneyGram (slow)$5$33$384-6 days
Poapay$15$28$433-5 days
WorldRemit$14$30$441-3 days
Western Union (slow)$5$46$514-6 days
MoneyGram (fast)$20$33$53In Minutes
Wire transfer$25-40$10-20$35-603-5 days
Western Union (fast)$20$46$66In Minutes
Transfast$5$64$691-3 days
Skrill$50$19$693-5 days
Travelex$0$150$1503-5 days
NationHela$35$159$194In Minutes


  • Worldremit allows to send money transfer to selected countries from the following states of USA: Alabama, Arkansas, Colorado, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, Wyoming. Also District of Columbia and Puerto Rico.
  • NationHela will only allow Debit/Credit Card Transfer if from the US. This method of transfer is subject to a limit of 500 USD per transaction. For sending 1000 USD, we calculated the fees for sending 500 USD and doubled it.
Table 2: Sending £1000 from the UK to Kenya
Transfer methodFees to send £1000 GBPHidden currency conversion costTotal feesTime for the transfer to arrive
XE Trade£0£11£113-5 days
Western Union (fast)£3£10£13In Minutes
EasyPesa£4£20£241-3 days
Equity Direct£4£20£241-3 days
WorldRemit£6£21£271-3 days
Exchange4free£0£29£291-2 days
SimbaPay£0£36£36In Minutes
Small World FS£3£35£381-3 days
MoneyGram (fast)£20£28£48In Minutes
Azimo£1£47£481-3 days
Xpress Money£30£22£523-5 days
Wire transfer£15-25£10-30£25-553-5 days
Afrikmostra£26£35£61In Minutes
Dahabshiil*£55£10£65In Minutes
Skrill£50£21£713-5 days
Travelex£0£74£743-5 days
Mukuru£22£75£97In Minutes
NationHela£5.5£116£121.51-3 days


  • Dahabshiil payout option is in USD. Recipient may convert his amount into KES through any agent which takes little more charges for currency exchange.
Table 3: Sending $1000 from the Canada to Kenya
Transfer methodFees to send $1000 CADHidden currency conversion costTotal feesTime for the transfer to arrive
XE Trade$0$11$113-5 days
Exchange4free$0$30$303-5 days
WorldRemit*$18$24$421-3 days
ZOOMPesa*$20$22$423-5 days
Xpress Money$16$28$443-5 days
Transfast$5$65$701-3 days
Skrill$50$24$743-5 days
Wire transfer$25-40$20-30$45-753-5 days
MoneyGram (fast)$50$26$76In Minutes
Western Union (fast)$40$43$83In Minutes
Travelex$0$145$1453-5 days


  • Worldremit can only send 995 CAD from Canada to Mexico.
  • Zoompesa has a Maximum Daily Limit of 906 CAD.
Table 4: Sending €1000 from the Western Europe to the Kenya
Transfer methodFees to send €1000 EURHidden currency conversion costTotal feesTime for the transfer to arrive
XE Trade€0€1€13-5 days
NationHela€6.6€1€7.61-3 days
Exchange4free€0€30€303-5 days
MoneyGram (fast)€10€23€33In Minutes
Azimo€1€34€351-3 days
Small World FS€0€51€513-5 days
Western Union€25€27€521-2 days
WorldRemit€22€30€521-3 days
Xpress Money€25€34€593-5 days
Skrill€50€20€703-5 days
Wire transfer€20-35€20-40€40-753-5 days
Table 5: Sending $1000 from the Australia to Kenya
Transfer methodFees to send $1000 AUDHidden currency conversion costTotal feesTime for the transfer to arrive
XE Trade$0$14$143-5 days
Mhits*$22$2$24In Minutes
Exchange4free$0$30$303-5 days
Worldremit$14$31$451-3 days
Xpress Money$25$21$463-5 days
Western Union (fast)$40$27$67In Minutes
MoneyGram (fast)$35$34$69In Minutes
Skrill$60$27$873-5 days
Wire transfer$25-35$30-60$55-953-5 days


  • Mhits transfers $500 at one single time. The calculation has been done for two times transfers which equals to $1000.

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