WI
Wise
Mid-market FX, transparent fees. UK, US, EU, AU, CA.
Visit WiseLive comparison + 8 corridors, dated 1 Jul 2026
Send Money to Kenya (2026): Cheapest Apps, Fees & M-PESA Payout — Compared
The live comparison for sending money to Kenya. Enter your amount below, get the ranked net KES to M-PESA across every major provider. Wise fetched live from their quote API, others verified quarterly. Then dive into the corridor-specific page for your sending country. For the recipient-side overview (M-PESA limits, on-arrival tips), see the diaspora hub.
Live comparison — cheapest right now
Pick your sender currency, enter the amount, and see providers ranked by net KES delivered to M-PESA — fee and FX margin combined. The headline low fee is often not the cheapest total. Wise is fetched live from api.wise.com; other providers refresh quarterly against their public rates. Rates as of 1 July 2026.
Live comparison
Wise is fetched live; other providers update from our quarterly verification cycle. Rankings refresh as you change the amount.
Currency: US Dollar
Cheapest right now
NALA delivers KES 12,769
Total cost: 1.40% of the send
| Provider | Net to M-PESA | vs cheapest | Total cost | Verified | |
|---|---|---|---|---|---|
1 NALA minutes | KES 12,769 | - | 1.40% | 3mo ago | |
2 Sendwave minutes | KES 12,756 | -KES 13 | 1.50% | 3mo ago | |
3 LemFi minutes | KES 12,756 | -KES 13 | 1.50% | 3mo ago | |
4 Remitly same day | KES 12,717 | -KES 52 | 1.80% | 3mo ago | |
5 TapTap Send minutes | KES 12,717 | -KES 52 | 1.80% | 3mo ago | |
6 Wise minutes | KES 12,713 | -KES 55 | 1.83% | 3mo ago | |
7 WorldRemit minutes | KES 12,312 | -KES 457 | 4.93% | 3mo ago | |
8 Western Union minutes | KES 11,996 | -KES 772 | 7.37% | 3mo ago | |
9 PayPal (Xoom) minutes | KES 11,731 | -KES 1,038 | 9.41% | 3mo ago |
NALA: East Africa specialist. Often cheapest on Tanzania, Uganda, Kenya corridors.
Sendwave: Zero flat fee, ~1.5% FX margin. Wins on small sends under $200.
LemFi: Strong UK and Canada corridor pricing. Often beats Wise on UK to KES small sends.
Remitly: Express (faster, more expensive) vs Economy (1-2 days, cheaper). We model Economy.
TapTap Send: Zero flat fee, FX margin around 1.8%. Wide EU coverage.
Wise: Mid-market FX + small fixed fee + 0.43% variable. Tightest FX margin in the market. (Live API unreachable, fallback model.)
WorldRemit: Fixed transfer fee + ~2% FX margin. Broadest country coverage.
Western Union: Online (web/app) flat fee + ~2.5% margin. Agent cash costs more.
PayPal (Xoom): PayPal commercial fee + ~3.5% FX + 1.5% on-arrival cut. Structurally expensive.
Comparison engine ranks providers by net KES delivered (descending). Wise is fetched live from the public quote API; other providers reflect our quarterly verification. For a binding quote, open the provider directly. Affiliate links may earn paybillke a commission at no cost to you.
All corridors
From United States
USD → KES
~$1.5B annually, the single largest inbound corridor for Kenya
Open guide
From United Kingdom
GBP → KES
~$650M annually, one of Kenya's top inbound corridors
Open guide
From Canada
CAD → KES
~$110M annually
Open guide
From United Arab Emirates
AED → KES
~$400M annually, third-largest inbound corridor
Open guide
From Saudi Arabia
SAR → KES
~$180M annually
Open guide
From Germany
EUR → KES
~$60M annually (fastest-growing corridor, +46% YoY)
Open guide
From Australia
AUD → KES
~$80M annually
Open guide
From Qatar
QAR → KES
~$120M annually
Open guide
Compare remittance
Compare the top providers across all corridors
Most of the top providers operate across multiple corridors. Open the cheapest for your specific amount and country.
SW
Sendwave
Diaspora-Africa specialist. Often cheapest under $200.
Visit SendwaveLF
Lemfi
Strong UK-Kenya corridor, mobile-first app.
Visit LemfiWR
WorldRemit
Wider receive options including bank deposit and cash pickup.
Visit WorldRemitRE
Remitly
US-focused remittance with promotional FX for first transfers.
Visit RemitlyWU
Western Union
Legacy provider with the widest cash-pickup network for non-M-PESA family.
Visit Western UnionTT
TapTap Send
Africa-focused mobile app with fee-free transfers on many corridors.
Visit TapTap SendNL
NALA
East-Africa-focused app with strong UK and US corridor coverage.
Visit NALAMG
MoneyGram
Global legacy provider with deep cash-pickup network across Kenya.
Visit MoneyGramRM
Ria Money Transfer
Cash + digital, Walmart and many US retailers as sending points.
Visit Ria Money TransferCC
Chipper Cash
Pan-African app, originally peer-to-peer across Africa, now with diaspora sends.
Visit Chipper CashSK
Skrill
E-wallet first, used for international transfers and online betting payouts.
Visit SkrillSV
Sendvalu
Germany-based, EU-to-Africa corridors with cash-pickup partner network.
Visit SendvaluRelated on paybillke
- Diaspora hub (recipient-side, all countries)
- Cheapest way to send money to Kenya (global)
- Send to Kenya from abroad (full guide)
- M-PESA limits 2026
- Live remittance calculator (full page)
- Diaspora send calculator
- Wise hub
- Sendwave hub
- Remitly hub
- WorldRemit hub
- TapTap Send hub
- LemFi hub
- NALA hub
- Chipper Cash hub
- MoneyGram hub
- Ria hub
- Skrill hub
- Sendvalu hub
Fees and M-PESA delivery, by provider
Each provider hub has a fee breakdown and an M-PESA delivery guide. None of them were linked from anywhere until September 2026.