Best way to send money from the US
to Kenya

The cheapest way to send money from the US to Kenya is by comparing online providers. Use the tool above; rates update every 15 minutes.

Transfer costs vary by provider and include both a fixed transfer fee and an exchange rate margin. Use the comparison above to see the real total cost for your specific amount.

Transfer times vary depending on the provider and payment method. Some offer instant transfers, while others take 1–3 business days.

The USD/KES exchange rate is currently rated “stable” (SCVI score: 1.6) according to SawaFX's rate stability index. A lower SCVI score means provider rates are more consistent : less day-to-day volatility makes it easier to time your transfer.

SawaFX compares 0 providers offering international money transfer services from the US to Kenya.

The average FX markup on this corridor is -0.08% above the mid-market rate. The spread between the best and worst exchange rate offered is 8.8959 KES; meaning your recipient can receive significantly less depending on which provider you choose.

The FX markup is often the “hidden” cost: it is built into the exchange rate rather than charged as a separate fee. Always compare the total amount your recipient gets, not just the headline rate.

Yes, the payment method you choose affects how much your recipient receives. On this corridor, paying by Bank transfer leads to the best outcome on average in this snapshot.

• Bank transfer: avg 129,226 KES received(best)
• Debit card: avg 128,887 KES received

Credit card payments typically incur a surcharge. Bank transfer is usually the cheapest pay-in method. Averages above are from the snapshot at page load; for live ranking use the comparison table at the top.

The delivery method can affect your rate. On this corridor, Bank Deposit delivers the best average recipient amount in this snapshot.

• Bank Deposit: avg 130,049 KES(best)
• Mobile Money: avg 129,268 KES
• Cash Pickup: avg 127,028 KES

Averages above are from the same snapshot at page load. For live best provider and amounts, use the comparison table at the top.

Transfer fees on this corridor are typically fixed ($0.00–$17.79 USD), so the cost as a percentage is lower when you send more. For example, a $5 fee on a $50 transfer is 10%; on a $500 transfer it drops to just 1%. The average FX markup of -0.08% applies to all amounts regardless of size.

Every provider adds a markup on the mid-market (interbank) rate. On this corridor, the average markup is -0.08%. Some providers charge a fixed fee with a tighter exchange rate; others advertise “no fees” but recoup costs through a wider spread. SawaFX compares the total cost (exchange rate margin plus fees), so you always see the real amount your recipient gets.

SawaFX refreshes rates every 15 minutes directly from each provider. The rates shown always include all transfer fees and the FX markup, so the “amount received” you see is what your recipient would actually get, not a misleading headline rate.