Regency FX is the cheapest way to send money from Brazil to Kenya. Sending R$40,000 will get your recipient 940,739.09 KES in minutes - 24 hours.
With Regency FX, deposit via bank transfer and withdraw in bank deposit to get the most KES in Kenya.
| 5 of 5 providers Last updated on 10 November 2026 | |||
| Based on 40,000 BRL transfer Best companies for BRL/KES transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee R$1,835.17 1 BRL = 23.5528 KES +0.12% vs mid-market | Recipient gets KES 898,889.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer R$1,835.171 BRL = 23.5528 KES KES 898,889.00You payR$40,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 23.5185 KES +0.27% vs mid-market | Recipient gets KES 940,739.09 Minutes - 24 hours | |
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 BRL = 23.5185 KES KES 940,739.09You payR$40,000.00 | |||
Run a live search Showing top Brazil to Kenya deals for 40,000 BRL. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live BRL to KES rates. | |||
Run a live search These companies offer multi-currency accounts for spending KES. We suggest doing a live search based on how much BRL you're planning to spend in Kenya. | |||
Run a live search These are managed services with real human support for large BRL transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 23.5185 KES +0.27% vs mid-market | Recipient gets KES 940,739.09 Minutes - 24 hours | |
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 BRL = 23.5185 KES KES 940,739.09You payR$40,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Pix | Fee R$0.00 1 BRL = 23.3946 KES +0.80% vs mid-market | Recipient gets KES 935,784.00 Minutes - 24 hours | |
Ways to receive money in Kenya with MoneyGram when paying by pix. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 BRL = 23.3946 KES KES 935,784.00You payR$40,000.00 Cash pickupMinutes - 24 hours Free1 BRL = 22.9797 KES KES 919,188.00You payR$40,000.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 BRL = 22.9372 KES KES 917,488.00You payR$40,000.00 | |||
 TapTap Send Pay via Debit card | Fee R$0.00 1 BRL = 23.3510 KES +0.99% vs mid-market | Recipient gets KES 934,040.00 Minutes | |
Ways to receive money in Kenya with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, M-PESA Free1 BRL = 23.3510 KES KES 934,040.00You payR$40,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee R$60.00 1 BRL = 23.3635 KES +0.93% vs mid-market | Recipient gets KES 933,139.90 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes R$60.001 BRL = 23.3635 KES KES 933,139.90You payR$40,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee R$327.50 1 BRL = 23.3635 KES +0.93% vs mid-market | Recipient gets KES 926,890.15 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes R$327.501 BRL = 23.3635 KES KES 926,890.15You payR$40,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Bank transfer | Fee R$1,835.17 1 BRL = 23.5528 KES +0.12% vs mid-market | Recipient gets KES 898,889.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer R$1,835.171 BRL = 23.5528 KES KES 898,889.00You payR$40,000.00 | |||
| Wise Pay via Pix | Fee R$1,835.17 1 BRL = 23.5528 KES +0.12% vs mid-market | Recipient gets KES 898,889.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by pix. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer R$1,835.171 BRL = 23.5528 KES KES 898,889.00You payR$40,000.00 | |||
| How Our Results Work Mid-market rate: 1 BRL = 23.5821 KES Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 940,739.09 KES for a R$40,000 transfer.
Regency FX was the cheapest on 26 of the 30 days it quoted R$40,000 transfers to Kenya.
The IOF is the same whichever company you pick, so it's about the exchange rate markup and the fees.
You have 3 ways to pay, including bank transfer, debit card, and pix.
You'll need your CPF and a photo ID to register and verify your account.
Once that's done, you can send money to Kenya.
How much BRL you send to Kenya heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
Our analysis shows Regency FX was the cheapest in 86% of the transfers from R$40,000 it quoted, and in 86% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R$1,000 | 0.62% | R$0.00 | KES 23,440.00with pix to bank deposit | +KES 785.61 | |
| R$5,000 | 0.61% | R$0.00 | KES 117,200.00with pix to bank deposit | +KES 1,915.12 | |
| R$10,000 | 0.61% | R$0.00 | KES 234,400.00with pix to bank deposit | +KES 4,204.22 | |
| R$40,000This page | 0.27% | R$0.00 | KES 940,739.09with bank transfer to bank deposit | +KES 16,686.07 | |
| R$50,000 | 0.27% | R$0.00 | KES 1,176,201.21with bank transfer to bank deposit | +KES 20,962.55 | |
| R$100,000 | 0.27% | R$0.00 | KES 2,351,799.35with bank transfer to bank deposit | +KES 41,467.06 |
Mid-market rate: 1 BRL = 23.5821 KES
The cheapest way to send BRL to KES can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 40,000 BRL transfers to Kenya.
Tue, Nov 10, 2026Mid-market rateKES 943,285.96 Regency FX KES 940,739.09Regency FXKES 940,739.09MoneyGramKES 935,784.00TapTap SendKES 934,040.00
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.0090 | – | KES 1,040,361.24 | |
| | 25.9388 | R$0.00 | KES 1,037,552.26 | −KES 2,808.98 |
| | 25.7770 | R$0.00 | KES 1,031,080.00 | −KES 9,281.24 |
| | 25.7630 | R$0.00 | KES 1,030,520.00 | −KES 9,841.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.0136 | – | KES 1,040,543.60 | |
| | 25.9434 | R$0.00 | KES 1,037,734.13 | −KES 2,809.47 |
| | 25.8520 | R$0.00 | KES 1,034,080.00 | −KES 6,463.60 |
| | 25.7370 | R$0.00 | KES 1,029,480.00 | −KES 11,063.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.7965 | – | KES 1,031,861.12 | |
| | 25.7269 | R$0.00 | KES 1,029,075.09 | −KES 2,786.03 |
| | 25.6789 | R$0.00 | KES 1,027,156.00 | −KES 4,705.12 |
| | 25.4910 | R$0.00 | KES 1,019,640.00 | −KES 12,221.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.7556 | – | KES 1,030,225.60 | |
| | 25.6861 | R$0.00 | KES 1,027,443.99 | −KES 2,781.61 |
| | 25.5522 | R$0.00 | KES 1,022,088.00 | −KES 8,137.60 |
| | 25.4510 | R$0.00 | KES 1,018,040.00 | −KES 12,185.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.4993 | – | KES 1,019,971.64 | |
| | 25.4716 | R$0.00 | KES 1,018,864.00 | −KES 1,107.64 |
| | 25.4304 | R$0.00 | KES 1,017,217.72 | −KES 2,753.92 |
| | 25.2080 | R$0.00 | KES 1,008,320.00 | −KES 11,651.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.6852 | – | KES 1,027,408.64 | |
| | 25.6159 | R$0.00 | KES 1,024,634.64 | −KES 2,774.00 |
| | 25.4407 | R$0.00 | KES 1,017,628.00 | −KES 9,780.64 |
| | 25.3740 | R$0.00 | KES 1,014,960.00 | −KES 12,448.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.6852 | – | KES 1,027,408.64 | |
| | 25.6159 | R$0.00 | KES 1,024,634.64 | −KES 2,774.00 |
| | 25.4407 | R$0.00 | KES 1,017,628.00 | −KES 9,780.64 |
| | 25.3750 | R$0.00 | KES 1,015,000.00 | −KES 12,408.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.6089 | – | KES 1,024,357.36 | |
| | 25.5398 | R$0.00 | KES 1,021,591.60 | −KES 2,765.76 |
| | 25.3620 | R$0.00 | KES 1,014,480.00 | −KES 9,877.36 |
| | 24.9413 | R$0.00 | KES 997,652.00 | −KES 26,705.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.7654 | – | KES 1,030,616.36 | |
| | 25.6958 | R$0.00 | KES 1,027,833.70 | −KES 2,782.66 |
| | 25.5280 | R$0.00 | KES 1,021,120.00 | −KES 9,496.36 |
| | 25.5120 | R$0.00 | KES 1,020,480.00 | −KES 10,136.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.8384 | – | KES 1,033,536.72 | |
| | 25.7687 | R$0.00 | KES 1,030,746.17 | −KES 2,790.55 |
| | 25.7101 | R$0.00 | KES 1,028,404.00 | −KES 5,132.72 |
| | 25.6140 | R$0.00 | KES 1,024,560.00 | −KES 8,976.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.8434 | – | KES 1,033,736.92 | |
| | 25.7736 | R$0.00 | KES 1,030,945.83 | −KES 2,791.09 |
| | 25.7186 | R$0.00 | KES 1,028,744.00 | −KES 4,992.92 |
| | 25.5680 | R$0.00 | KES 1,022,720.00 | −KES 11,016.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 25.6928 | – | KES 1,027,710.52 | |
| | 25.6234 | R$0.00 | KES 1,024,935.70 | −KES 2,774.82 |
| | 25.6012 | R$0.00 | KES 1,024,048.00 | −KES 3,662.52 |
| | 25.4460 | R$0.00 | KES 1,017,840.00 | −KES 9,870.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.1327 | – | KES 1,045,307.24 | |
| | 26.0621 | R$0.00 | KES 1,042,484.91 | −KES 2,822.33 |
| | 25.8140 | R$0.00 | KES 1,032,560.00 | −KES 12,747.24 |
| | 25.6050 | R$0.00 | KES 1,024,200.00 | −KES 21,107.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.1327 | – | KES 1,045,307.24 | |
| | 26.0621 | R$0.00 | KES 1,042,484.91 | −KES 2,822.33 |
| | 25.8140 | R$0.00 | KES 1,032,560.00 | −KES 12,747.24 |
| | 25.6050 | R$0.00 | KES 1,024,200.00 | −KES 21,107.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 26.0798 | – | KES 1,043,193.28 | |
| | 26.0094 | R$0.00 | KES 1,040,376.66 | −KES 2,816.62 |
| | 25.8070 | R$0.00 | KES 1,032,280.00 | −KES 10,913.28 |
| | 25.6050 | R$0.00 | KES 1,024,200.00 | −KES 18,993.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 24.1863 | – | KES 967,450.08 | |
| | 24.1209 | R$0.00 | KES 964,837.96 | −KES 2,612.12 |
| | 23.9460 | R$0.00 | KES 957,840.00 | −KES 9,610.08 |
| | 23.7085 | R$0.00 | KES 948,340.00 | −KES 19,110.08 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 24.2754 | – | KES 971,016.64 | |
| | 24.2099 | R$0.00 | KES 968,394.90 | −KES 2,621.74 |
| | 24.1757 | R$0.00 | KES 967,028.00 | −KES 3,988.64 |
| | 24.0360 | R$0.00 | KES 961,440.00 | −KES 9,576.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 24.2991 | – | KES 971,965.60 | |
| | 24.2524 | R$0.00 | KES 970,096.00 | −KES 1,869.60 |
| | 24.2335 | R$0.00 | KES 969,341.29 | −KES 2,624.31 |
| | 24.0670 | R$0.00 | KES 962,680.00 | −KES 9,285.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 24.1217 | – | KES 964,867.20 | |
| | 24.1423 | R$0.00 | KES 965,692.00 | +KES 824.80 |
| | 24.0566 | R$0.00 | KES 962,262.06 | −KES 2,605.14 |
| | 23.8880 | R$0.00 | KES 955,520.00 | −KES 9,347.20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.8583 | – | KES 954,332.40 | |
| | 23.7939 | R$0.00 | KES 951,755.70 | −KES 2,576.70 |
| | 23.7807 | R$0.00 | KES 951,228.00 | −KES 3,104.40 |
| | 23.6340 | R$0.00 | KES 945,360.00 | −KES 8,972.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.8583 | – | KES 954,332.40 | |
| | 23.7939 | R$0.00 | KES 951,755.70 | −KES 2,576.70 |
| | 23.7807 | R$0.00 | KES 951,228.00 | −KES 3,104.40 |
| | 23.6410 | R$0.00 | KES 945,640.00 | −KES 8,692.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.8743 | – | KES 954,972.00 | |
| | 23.8098 | R$0.00 | KES 952,393.58 | −KES 2,578.42 |
| | 23.7807 | R$0.00 | KES 951,228.00 | −KES 3,744.00 |
| | 23.7310 | R$0.00 | KES 949,240.00 | −KES 5,732.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.8740 | – | KES 954,960.88 | |
| | 23.8096 | R$0.00 | KES 952,382.49 | −KES 2,578.39 |
| | 23.7424 | R$0.00 | KES 949,696.00 | −KES 5,264.88 |
| | 23.6470 | R$0.00 | KES 945,880.00 | −KES 9,080.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.6654 | – | KES 946,614.28 | |
| | 23.6015 | R$0.00 | KES 944,058.42 | −KES 2,555.86 |
| | 23.4697 | R$0.00 | KES 938,788.00 | −KES 7,826.28 |
| | 23.4360 | R$0.00 | KES 937,440.00 | −KES 9,174.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.7909 | – | KES 951,634.88 | |
| | 23.7266 | R$0.00 | KES 949,065.47 | −KES 2,569.41 |
| | 23.5590 | R$0.00 | KES 942,360.00 | −KES 9,274.88 |
| | 23.5537 | R$0.00 | KES 942,148.00 | −KES 9,486.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.6027 | – | KES 944,107.64 | |
| | 23.6719 | R$0.00 | KES 946,876.00 | +KES 2,768.36 |
| | 23.5390 | R$0.00 | KES 941,558.55 | −KES 2,549.09 |
| | 23.3640 | R$0.00 | KES 934,560.00 | −KES 9,547.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.6063 | – | KES 944,251.76 | |
| | 23.5426 | R$0.00 | KES 941,702.28 | −KES 2,549.48 |
| | 23.4561 | R$0.00 | KES 938,244.00 | −KES 6,007.76 |
| | 23.3740 | R$0.00 | KES 934,960.00 | −KES 9,291.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.6533 | – | KES 946,133.88 | |
| | 23.5895 | R$0.00 | KES 943,579.32 | −KES 2,554.56 |
| | 23.4561 | R$0.00 | KES 938,244.00 | −KES 7,889.88 |
| | 23.3740 | R$0.00 | KES 934,960.00 | −KES 11,173.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.5631 | – | KES 942,523.68 | |
| | 23.4995 | R$0.00 | KES 939,978.87 | −KES 2,544.81 |
| | 23.4561 | R$0.00 | KES 938,244.00 | −KES 4,279.68 |
| | 23.3390 | R$0.00 | KES 933,560.00 | −KES 8,963.68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 23.5821 | – | KES 943,285.96 | |
| | 23.5185 | R$0.00 | KES 940,739.09 | −KES 2,546.87 |
| | 23.3946 | R$0.00 | KES 935,784.00 | −KES 7,501.96 |
| | 23.3510 | R$0.00 | KES 934,040.00 | −KES 9,245.96 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 23.5821 | – | KES 943,285.96 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send R$40,000, after fees, as quoted by each company. The mid-market line shows what R$40,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more KES per BRL than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.
Right now, Regency FX pays 940,739.09 KES on 40,000 BRL, which is 2,546.87 KES less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 1,042,484.91 KES.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Kenya.
We've tracked 177 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest in 84% of them
Cheapest in 37% of them
Cheapest in 2% of them
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest in 86% of them
Cheapest in 36% of them
Cheapest in 1% of them
Based on 177 comparisons across 6 amounts over the last 30 days.
Cheapest in 86% of them
Cheapest in 39% of them
Cheapest in 2% of them
Based on 273 comparisons across 6 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
MoneyGram (today's second cheapest) was the cheapest in only 36% of its comparisons, so it's rarely the cheapest option for transfers to Kenya.
There are 6 ways to send money to Kenya across 5 money transfer companies.
For everyday transfers
For most transfers from Brazil to Kenya, money transfer companies like MoneyGram are the cheapest way.
You can fund an online transfer with bank transfer, debit card, and pix.
MoneyGram charges R$0 and adds 0.8% markup when sending R$40,000, this will get you 935,784 KES in Kenya.
In our comparisons over the past month, it was the cheapest online service on 21 of the 30 days it quoted.
For property and other large transfers
Brokers are best for large transfers, they will negotiate a better BRL/KES rate, handle the paperwork, and guide you over the phone.
Regency FX converts BRL to KES with an exchange-rate markup of around 0.27%.
I'd suggest , since the rate gets better the more you send.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from R$40,000 it quoted.
For receiving cash in Portugal
If your recipient in Kenya needs cash, you can do it with MoneyGram.
Sending R$40,000 will get you KSh935,784 after the fees with MoneyGram.
Your recipient will collect cash at the nearest MoneyGram branch in Kenya.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
Holding AUD and other currencies
Revolut lets you hold, convert, and spend BRL and KES from one account.
Swapping R$40,000 with Revolut will get you 933,139.90 KES after all fees.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
You can then spend it in Kenya or Brazil and receive KES payments.
For freelancers & businesses
Global accounts like Airwallex, Wise Business, and Payoneer help with international KES payments, invoicing, receiving payments, and more.
These are great for Brazilian businesses and freelancers, but not personal transfers.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R$40,000 gives your recipient 940,739.09 KES.
For paying for your transfer, you have bank transfer, debit card, and pix.
You can fund the transfer with Pix
You can use Pix as a funding method, but it can’t send BRL to Kenya directly.
Scan the company's QR code or copy its Pix key, then approve R$40,000 in your Brazilian banking app.
For withdrawals in Kenya, they can get it as bank deposit, mobile money, cash pickup, and mobile wallet.
IOF can apply when you convert and send BRL abroad, so double check the tax shown before you send.
You pay R$40,000.00
KSh940,739
Cheapest
You pay R$40,000.00
KSh935,784
-KSh4,955
You pay R$40,000.00
KSh934,040
-KSh6,699
You pay R$40,000.00
KSh926,890
-KSh13,849
You pay R$40,000.00
KSh919,188
-KSh21,551
You pay R$40,000.00
KSh917,488
-KSh23,251
Brazilian transfer quotes should show the tax, fee and exchange rate. The easiest way to compare them is through the VET, then check whether the payment is a transfer of your own money or a gift.
For a R$40,000 payment to Kenya, I suggest starting with these:
Cheapest:
Regency FX, funded by bank transfer with bank deposit in Kenya. Your recipient gets 940,739.09 KES, which is 0.53% more than the next best option.
Fastest:
Revolut, paid by bank transfer with bank deposit for the payout. It delivers 933,139.90 KES in within minutes.
Pix can be used to deposit BRL from your bank to the transfer company's Brazilian account, but it cannot send money directly to Kenya.
The company then switches to local rails or uses an internal network of accounts to move BRL to Kenya.
Moving your own money and making a gift are not treated the same.
A gift may fall under ITCMD, which is set and collected by the relevant Brazilian state.
The rate, exemption and filing process depend on the state and the facts of the gift.
Check this before sending a large amount to family, particularly when the sender, recipient or estate has links to different states.
The Banco Central do Brasil says an authorised institution or its correspondent should explain the required documents and provide the VET.
If in doubt, check the institution's legal name with the Banco Central before sending.
Reclame Aqui can show service problems, but it does not replace the regulatory check.
We track 5 authorised companies sending BRL to Kenya, updated in real time during live comparisons.
The IOF is identical whoever you pick, so we compare on the spread and the all-in rate, plus the ways to pay and collect.
In the past 30 days alone, we analysed 177 comparisons across 6 amounts.
This page covers the cheapest and fastest options for BRL/KES transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
Each goes through our review. More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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