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Compare the best ways to send money from United States to Kenya

Get the best deals when you transfer from United States to Kenya. Find the cheapest, fastest, and most reliable providers with the best USD to KES exchange rates.

Read on for the best deals, expert information, and all you need to send money to Kenya from United States.

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Overall best choice: Wise

Wise is our top pick for USD to KES transfers.

We tested & reviewed dozens of money transfer providers, and Wise scored highly.

Wise appeared in 84.3% of United States to Kenya searches, and was the top rated company out of 10 that support USD to KES.

So for a great mix of cost, speed & features, make your United States to Kenya transfer using Wise.

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How to get the best deal on your United States to Kenya transfer

Summary of recent searches

Top rated for transfers from United States to Kenya
Wise
Total number of US - KE providers
10
Average cheapest fees & rate
Instarem
Average fastest transfer
Western Union
Average transfer time
Within minutes
Best for bank transfers
Regency FX
Best for debit card
Instarem
Best for credit card
Instarem

Important things to consider before sending money from United States to Kenya

1
Compare providers

Don't settle for the first option. Always compare ways to send money from United States to Kenya to find out about fees, speed, and reliability.

Our analysis included 10 providers that operate between United States and Kenya.

Through this, you get a comprehensive view of all the options you have in United States when you need to send money to Kenya.

2
Think about the US Dollar-Kenyan Shilling exchange rate
3
Choose the right payment method
4
Keep your money safe
5
Consider transfer limits
6
How to receive money in Kenya
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to send money to Kenya from United States: Regency FX

Get the lowest fees with Regency FX - the cheapest transfer service at just $13.43 per transaction*

Data collected over the past six months shows that Regency FX is % cheaper than the second-best option.

The $13.43 transfer cost represents the most common fee for USD to KES international transfers, based on data from the past six months.

If you want to secure the best rates on a USD to Kenya transfer, make sure you pick Regency FX to send your money online.

*The most common fee applied to USD-KES by Regency FX, based on data from the past six months.

Fastest way to send money from United States to Kenya: Western Union

Need to send money fast? Pick Western Union and get your funds from United States to Kenya at speed.

Our data shows that Western Union came up as the fastest way to send money from United States to Kenya in 41.2% of searches. This makes them well suited to urgent USD to KES money transfers.

The 'fastest' way to send money is defined by the overall speed of sending money from United States to Kenya - this includes deposit, transfer and withdrawal timeframes and often differs per currency. 


When speed matters, Western Union is your best choice at the moment. This service emerged as the quickest way to send money to Kenya from United States in 41.2% of the searches on MoneyTransfers.com over the past six months.

Need to send over $10,000?

For those big moves, competitive pricing & strong customer service are key.

Opt for a service proven with large transfers when size matters. For transfers over $10,000, your best bet is Wise.


While Wise may not always be the cheapest or fastest way to send USD from United States to Kenya, it’s the provider that will keep you safe and relaxed while your money moves into KES.

Understanding the costs involved when moving money from United States to Kenya

When calculating the costs of money transfers between United States and Kenya, here's what really matters:

The Mid-Market Rate: Today, the USD-KES mid-market rate equals to 134.49361 KES per US Dollar.

The USD-KES average exchange rate for the past three months has been 146.8743 KES per US Dollar, with a high of 164.09 and a low of 127.1961.

When looking to send money, we'd recommend Wise. On average Wise is 0% away from the average mid-market rate. Fees may be added on top, but they're still the cheapest provider on average from USD to KES.

How to find the best exchange rate for US Dollar to Kenyan Shilling

Timing is essential for sending money between USD and KES. The exchange rate you secure impacts how much KES you get for your USD.

Mid-market Rate
1
= 134.498948 KES

Let's dive into some interesting recent trends.

  • Over the past six months, the exchange rate from USD to KES has seen some fluctuation. On average, it stood at 146.8743.

  • During this period, the highest value recorded was 164.09, while the lowest was 127.1961.

  • Wise, which is our recommended service to send money online from United States to Kenya offers an exchange rate that is only 0% above the mid-market rate.

Want to secure the best USD-Kenyan Shilling exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from United States to Kenya!

Payment methods available to fund your United States to
Kenya transfer

  • Bank transfers

    Bank transfers are often the default option for sending money from United States to Kenya.

    By using a money transfer company such as Regency FX for transfers from United States to Kenya, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Regency FX is the cheapest provider for bank transfers from the 10 we tested when sending USD to Kenya.

    With an average fee of USD0 to send money from United States to Kenya, Regency FX offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from United States to Kenya with a debit or a prepaid card is very simple with Instarem.


    Instarem is a leader in debit card payments for transfers from United States to Kenya, competing among a total of 10 active money transfer companies on this route.

  • Credit cards

    When it comes to credit card transfers from United States to Kenya, Instarem emerges as our top choice of the 10 companies offering this service.

    Fee alert: using a credit card to transfer money often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Kenya and United States.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from United States to Kenya.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD to KES.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

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Contributors

Giovanni Angioni
Giovanni Angioni, a journalist specialized in financial and political topics, has written for well-known outlets like La Stampa, Repubblica, the Economist, and Politico. His background in political sciences complements his extensive experience in covering major international events such as ASEAN and NATO summits, and European Council meetings. His insightful approach to global finance and politics enriches his role at MoneyTransfers.com, where he focuses on making personal finance relatable and understandable for a broad audience.