Best companies for CAD/KES transfers
14 of 14 providers Last updated on 10 November 2026
Based on 1,000 CAD transfer Best companies for CAD/KES transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $14.85 1 CAD = 92.0619 KES -0.02% vs mid-market	Recipient gets KES 90,695.00 Next day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $14.851 CAD = 92.0619 KES KES 90,695.00You pay$1,000.00
Ad WorldRemit Pay via Debit Card	Fees: $0.99 1 CAD = 90.8853 KES +1.27% vs mid-market	Recipient gets KES 90,795.36 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyNext Day $0.991 CAD = 90.8853 KES KES 90,795.36You pay$1,000.00
Run a live search Showing top Canada to Kenya deals for 1,000 CAD. 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 CAD 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 CAD you're planning to spend in Kenya.
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via Bank Transfer	Fees: $0.00 1 CAD = 92.6800 KES -0.69% vs mid-market	Recipient gets KES 92,680.00 Within a week
19 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Kenya with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 92.6800 KES KES 92,680.00You pay$1,000.00

Remitly Pay via Interac	Fees: $0.00 1 CAD = 92.6800 KES -0.69% vs mid-market	Recipient gets KES 92,680.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 92.6800 KES KES 92,680.00You pay$1,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 92.2700 KES -0.25% vs mid-market	Recipient gets KES 92,270.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 92.2700 KES KES 92,270.00You pay$1,000.00

Remitly Pay via Credit Card	Fees: $20.00 1 CAD = 92.2700 KES -0.25% vs mid-market	Recipient gets KES 92,270.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $20.001 CAD = 92.2700 KES KES 92,270.00You pay$1,020.00
Africhange Pay via Bank Transfer	Fees: $1.09 1 CAD = 92.0485 KES -0.01% vs mid-market	Recipient gets KES 92,048.53 Minutes
0 reviews Receive to bank account or debit card
Ways to receive money in Kenya with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $1.091 CAD = 92.0485 KES KES 92,048.53You pay$1,001.09
TapTap Send Pay via Debit Card	Fees: $0.00 1 CAD = 92.0000 KES +0.05% vs mid-market	Recipient gets KES 92,000.00 Minutes
2 reviews Fastest Receive to bank account
Ways to receive money in Kenya with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, M-PESA Free1 CAD = 92.0000 KES KES 92,000.00You pay$1,000.00
Instarem Pay via Interac	Fees: $0.00 1 CAD = 91.8368 KES +0.22% vs mid-market	Recipient gets KES 91,836.80 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Kenya with Instarem when paying by interac. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 91.8368 KES KES 91,836.80You pay$1,000.00
Remitbee Pay via Debit Card	Fees: $0.00 1 CAD = 91.7864 KES +0.28% vs mid-market	Recipient gets KES 91,786.40 Next Day
0 reviews
Ways to receive money in Kenya with Remitbee when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.7864 KES KES 91,786.40You pay$1,000.00

Remitbee Pay via Interac	Fees: $0.00 1 CAD = 91.7864 KES +0.28% vs mid-market	Recipient gets KES 91,786.40 Next Day
0 reviews
Ways to receive money in Kenya with Remitbee when paying by interac. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.7864 KES KES 91,786.40You pay$1,000.00
Remitbee Pay via Bill payment	Fees: $0.00 1 CAD = 91.7864 KES +0.28% vs mid-market	Recipient gets KES 91,786.40 Next Day
0 reviews
Ways to receive money in Kenya with Remitbee when paying by bill payment. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.7864 KES KES 91,786.40You pay$1,000.00
Remitbee Pay via Bank Transfer	Fees: $0.00 1 CAD = 91.7864 KES +0.28% vs mid-market	Recipient gets KES 91,786.40 Next Day
0 reviews
Ways to receive money in Kenya with Remitbee when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.7864 KES KES 91,786.40You pay$1,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.99 1 CAD = 91.3568 KES +0.75% vs mid-market	Recipient gets KES 91,356.80 6-12 Hours
2 reviews
Ways to receive money in Kenya with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $0.991 CAD = 91.3568 KES KES 91,356.80You pay$1,000.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 90.3406 KES KES 90,340.60You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 89.8534 KES KES 89,853.40You pay$1,005.99

$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $0.99 1 CAD = 91.3568 KES +0.75% vs mid-market	Recipient gets KES 91,356.80 6-12 Hours
2 reviews
Ways to receive money in Kenya with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $0.991 CAD = 91.3568 KES KES 91,356.80You pay$1,000.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 90.3406 KES KES 90,340.60You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 89.8534 KES KES 89,853.40You pay$1,005.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fees: $0.99 1 CAD = 91.3568 KES +0.75% vs mid-market	Recipient gets KES 91,356.80 6-12 Hours
2 reviews
Ways to receive money in Kenya with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $0.991 CAD = 91.3568 KES KES 91,356.80You pay$1,000.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 90.3406 KES KES 90,340.60You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 89.8534 KES KES 89,853.40You pay$1,005.99
Paysend Pay via Debit Card	Fees: $0.00 1 CAD = 91.3507 KES +0.75% vs mid-market	Recipient gets KES 91,350.70 6-12 Hours
0 reviews
Ways to receive money in Kenya with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 91.3507 KES KES 91,350.70You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 CAD = 91.3507 KES +0.75% vs mid-market	Recipient gets KES 91,350.70 6-12 Hours
0 reviews
Ways to receive money in Kenya with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 91.3507 KES KES 91,350.70You pay$1,000.00
Only available via Mobile App Sendwave Pay via Debit Card	Fees: $0.00 1 CAD = 91.3450 KES +0.76% vs mid-market	Recipient gets KES 91,344.96 2 Days
6 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile money2 Days Free1 CAD = 91.3450 KES KES 91,344.96You pay$1,000.00 Bank deposit2 Days Free1 CAD = 91.3450 KES KES 91,344.96You pay$1,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 CAD = 91.0379 KES +1.10% vs mid-market	Recipient gets KES 91,038.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.0379 KES KES 91,038.00You pay$1,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 CAD = 91.0379 KES +1.10% vs mid-market	Recipient gets KES 91,038.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 91.0379 KES KES 91,038.00You pay$1,000.00
Only available via Mobile App WorldRemit Pay via Debit Card	Fees: $0.99 1 CAD = 90.8853 KES +1.27% vs mid-market	Recipient gets KES 90,795.36 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Kenya with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyNext Day $0.991 CAD = 90.8853 KES KES 90,795.36You pay$1,000.00
Wise Pay via Bank Transfer	Fees: $14.85 1 CAD = 92.0619 KES -0.02% vs mid-market	Recipient gets KES 90,695.00 Next day
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $14.851 CAD = 92.0619 KES KES 90,695.00You pay$1,000.00
Koho Pay via Bank Transfer	Fees: $16.22 1 CAD = 91.9748 KES +0.07% vs mid-market	Recipient gets KES 90,482.64 Next day
0 reviews Receive to bank account
Ways to receive money in Kenya with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Mobile moneyNext dayAvailable via:Airtel, Equitel, M-PESA $16.221 CAD = 91.9748 KES KES 90,482.64You pay$1,000.00 Bank depositNext dayAvailable via:Bank Transfer $16.501 CAD = 91.9748 KES KES 90,456.86You pay$1,000.00
Ria Money Transfer Pay via Debit Card	Fees: $3.00 1 CAD = 90.5462 KES +1.64% vs mid-market	Recipient gets KES 90,274.54 6-12 Hours
0 reviews
Ways to receive money in Kenya with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $3.001 CAD = 90.5462 KES KES 90,274.54You pay$1,000.00 Bank deposit6-12 Hours $3.001 CAD = 90.4974 KES KES 90,225.86You pay$1,000.00 Cash pickup6-12 Hours $3.001 CAD = 90.4974 KES KES 90,225.86You pay$1,000.00
Wise Pay via Debit Card	Fees: $25.72 1 CAD = 92.0619 KES -0.02% vs mid-market	Recipient gets KES 89,694.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $25.721 CAD = 92.0619 KES KES 89,694.00You pay$1,000.00
RBC Pay via Bank Transfer	Fees: $0.00 1 CAD = 89.3442 KES +2.98% vs mid-market	Recipient gets KES 89,344.18 6-12 Hours
0 reviews
Ways to receive money in Kenya with RBC when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 89.3442 KES KES 89,344.18You pay$1,000.00
Ria Money Transfer Pay via Credit Card	Fees: $22.00 1 CAD = 90.5462 KES +1.64% vs mid-market	Recipient gets KES 88,554.16 6-12 Hours
0 reviews
Ways to receive money in Kenya with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 Hours $22.001 CAD = 90.5462 KES KES 88,554.16You pay$1,000.00 Bank deposit6-12 Hours $22.001 CAD = 90.4974 KES KES 88,506.41You pay$1,000.00 Cash pickup6-12 Hours $22.001 CAD = 90.4974 KES KES 88,506.41You pay$1,000.00
Wise Pay via Credit Card	Fees: $40.27 1 CAD = 92.0619 KES -0.02% vs mid-market	Recipient gets KES 88,355.00 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $40.271 CAD = 92.0619 KES KES 88,355.00You pay$1,000.00
How Our Results Work Mid-market rate: 1 CAD = 92.0424 KES Updates every 60 minutes.

Why compare

CAD/KES exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Canada to Kenya

Pick a company

Start with the cheapest, which is Remitly at 92,680 KES on CA$1,000.

Remitly was the cheapest on 29 of the 30 days it quoted CA$1,000 transfers to Kenya.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 6 ways to pay, including debit card, bank transfer, credit card, interac, bill payment, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Kenya?

How much CAD 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 Remitly was the cheapest in 96% of the transfers up to CA$1,000 it quoted, and in 78% of all the transfers it quoted.


$100	-2.76%	$0.00	KES 9,467.00with bank transfer to bank deposit	+KES 451.37
$500	-2.70%	$0.00	KES 47,285.00with bank transfer to bank deposit	+KES 1,638.14
$700	-1.55%	$0.00	KES 65,436.00with bank transfer to bank deposit	+KES 1,584.75
$1,000This page	-0.69%	$0.00	KES 92,680.00with bank transfer to bank deposit	+KES 1,520.05
$3,000	0.00%	$1.09	KES 276,095.70with bank transfer to bank deposit	+KES 3,186.17
$10,000	0.00%	$1.09	KES 920,384.49with bank transfer to bank deposit	+KES 7,812.50
$50,000	-0.01%	$1.09	KES 4,605,342.35with bank transfer to bank deposit	+KES 45,855.28

Mid-market rate: 1 CAD = 92.0424 KES

CAD/KES Exchange Rate History

Is today a good time to send money from Canada to Kenya?

The cheapest way to send CAD 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 Remitly), across 30 days of comparisons for 1,000 CAD transfers to Kenya.

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 CAD 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 30 of the last 30 days.

Right now, Remitly pays 92,680 KES on 1,000 CAD, which is 637.63 KES more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 93,780 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.

If you need to send money now, it's a good time to send.

Cheapest over time

Picking the cheapest money transfer company

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 209 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

RemitlyAppeared in 143 comparisons
Cheapest in 78% of them
AfrichangeAppeared in 147 comparisons
Cheapest in 43% of them
TapTap SendAppeared in 185 comparisons
Never the cheapest
RBCAppeared in 116 comparisons
Never the cheapest

Based on 209 comparisons across 7 amounts over the last 30 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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest and gets you the most KES, and it was also the cheapest in 78% of the 143 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Kenya.

Africhange (today's second cheapest) was the cheapest in only 43% of its comparisons, so it's rarely the cheapest option for transfers to Kenya.

Ways to send money from Canada to Kenya

There are 14 companies sending money to Kenya, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Remitly location, and your recipient picks up 92,680 KES within minutes.

Our data shows Remitly came out cheapest among in-person options on 97% of days in the past month.

Cash transfers cost more

Cash transfer to Kenya is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Remitly charges CA$0 in fees and adds -0.69% markup, so your CA$1,000 delivers 92,680 KES in within a week.

Over the past month, Remitly was the cheapest app on 97% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 14 companies we compared, Remitly is the cheapest online service and currently gets you 92,680 KES on a CA$1,000 transfer after a CA$0 fee and -0.69% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

The most expensive way

Banks

A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.

On a CA$1,000 transfer, a bank like RBC delivers 89,344.18 KES, against 92,680 KES with Remitly.

We found RBC was the cheapest bank on 30 of the 30 days it appeared for this amount.

The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

For large transfers (CA$15,000+), brokers like Currencies Direct or RegencyFX charge no fee, but add a margin that gets lower the more you send. Run a live search with your real amount to see it.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

If you already have one

Challenger banks

Some neobanks in Canada include international transfers with no transfer fee as part of the account.

Koho sends your CA$1,000 for CA$16.50 in fees with 0.07% markup.

It's a good option for small occasional transfers, but I still suggest .

Our data shows Koho came out cheapest among challenger banks on 100% of days in the past month.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in KES.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in KES, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Wise lets you hold CAD and KES, and convert between them at low cost.

For example, converting $1,000 costs $14.85 in fees at -0.02% markup, which gets you 90,695 KES.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund CAD and receive KES in Kenya

With Remitly, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 92,680 KES.

Our data shows that Remitly gets your recipient 3,335.82 KES more than RBC, today's cheapest bank, on the same CA$1,000.

Deposit CAD using debit card, bank transfer, credit card, interac, bill payment, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive KES through bank deposit, mobile money, mobile wallet, and cash pickup.

For a bank deposit payout, you will need the recipient's bank details in Kenya.

1

Bank transfer Bank deposit

You pay CA$1,000.00

KSh92,680

Cheapest
2

Interac Bank deposit

You pay CA$1,000.00

KSh92,680

KSh0
3

debit card Bank deposit

You pay CA$1,000.00

KSh92,270

-KSh410
4

credit card Bank deposit

You pay CA$1,020.00

KSh92,270

-KSh410
5

debit card Mobile money

You pay CA$1,000.00

KSh92,000

-KSh680

Show moreShow less

6

Bill payment Bank deposit

You pay CA$1,000.00

KSh91,786

-KSh894
7

debit card Mobile wallet

You pay CA$1,000.99

KSh91,357

-KSh1,323
8

credit card Mobile wallet

You pay CA$1,000.99

KSh91,357

-KSh1,323
9

Cash deposit Mobile wallet

You pay CA$1,000.99

KSh91,357

-KSh1,323
10

Bank transfer Mobile money

You pay CA$1,000.00

KSh90,483

-KSh2,197
11

Cash deposit Bank deposit

You pay CA$1,004.99

KSh90,341

-KSh2,339
12

debit card Cash pickup

You pay CA$1,000.00

KSh90,226

-KSh2,454
13

credit card Cash pickup

You pay CA$1,005.99

KSh89,853

-KSh2,827
14

Cash deposit Cash pickup

You pay CA$1,005.99

KSh89,853

-KSh2,827

Consider this when sending CAD to Kenya

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/KES transfer options

For a CA$1,000 transfer to Kenya, these are the cheapest, fastest and easiest options available now.

Best way to send money to Kenya

Remitly is the cheapest and easiest option, funded by bank transfer with bank deposit for the payout. Your recipient gets 92,680 KES, which is 0.68% more than the next best option.

Fastest way to send money to Kenya

Africhange is fastest when you pay by bank transfer and choose bank deposit for the payout. The transfer delivers 92,048.53 KES in minutes.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Kenya.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 14 FINTRAC-registered companies sending CAD to Kenya, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 209 comparisons across 7 amounts.

This page covers the cheapest and fastest options for CAD/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 getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Canada

Send money to Kenya

Mon, Oct 12, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.1384	–	KES 91,138.37
Africhange Cheapest	91.1505	$1.10	KES 91,150.52	+KES 12.15
TapTap Send	90.2000	$0.00	KES 90,200.00	−KES 938.37
Remitly	89.8700	$0.00	KES 89,870.00	−KES 1,268.37
RBC	88.2523	$0.00	KES 88,252.33	−KES 2,886.04

Tue, Oct 13, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	90.9160	–	KES 90,915.96
Remitly Cheapest	91.5100	$0.00	KES 91,510.00	+KES 594.04
Africhange	90.9215	$1.10	KES 90,921.47	+KES 5.51
TapTap Send	90.2000	$0.00	KES 90,200.00	−KES 715.96
RBC	88.1674	$0.00	KES 88,167.43	−KES 2,748.53

Wed, Oct 14, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.3020	–	KES 91,301.98
Remitly Cheapest	91.8500	$0.00	KES 91,850.00	+KES 548.02
TapTap Send	90.2000	$0.00	KES 90,200.00	−KES 1,101.98
RBC	88.5143	$0.00	KES 88,514.30	−KES 2,787.68
Africhange No quote collected this day	–	–	–	–

Thu, Oct 15, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.3244	–	KES 91,324.38
Remitly Cheapest	91.7600	$0.00	KES 91,760.00	+KES 435.62
Africhange	91.3027	$1.10	KES 91,302.71	−KES 21.67
TapTap Send	90.2000	$0.00	KES 90,200.00	−KES 1,124.38
RBC	88.6545	$0.00	KES 88,654.52	−KES 2,669.86

Fri, Oct 16, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.7152	–	KES 91,715.18
Remitly Cheapest	92.3400	$0.00	KES 92,340.00	+KES 624.82
TapTap Send	90.2000	$0.00	KES 90,200.00	−KES 1,515.18
RBC	88.6545	$0.00	KES 88,654.52	−KES 3,060.66
Africhange No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.8935	–	KES 91,893.53
Remitly Cheapest	92.4600	$0.00	KES 92,460.00	+KES 566.48
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 893.52
RBC	89.0472	$0.00	KES 89,047.20	−KES 2,846.32
Africhange No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	91.9864	–	KES 91,986.42
Remitly Cheapest	92.5900	$0.00	KES 92,590.00	+KES 603.58
Africhange	91.9879	$1.09	KES 91,987.93	+KES 1.51
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 986.42
RBC	89.1556	$0.00	KES 89,155.62	−KES 2,830.80

Tue, Oct 20, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.2293	–	KES 92,229.32
Remitly Cheapest	92.9100	$0.00	KES 92,910.00	+KES 680.68
Africhange	92.2220	$1.08	KES 92,222.03	−KES 7.29
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 1,229.32
RBC	89.5528	$0.00	KES 89,552.80	−KES 2,676.52

Wed, Oct 21, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.3386	–	KES 92,338.56
Remitly Cheapest	92.7900	$0.00	KES 92,790.00	+KES 451.44
Africhange	92.3394	$1.08	KES 92,339.43	+KES 0.87
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 1,338.56
RBC	89.5396	$0.00	KES 89,539.64	−KES 2,798.92

Thu, Oct 22, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.5294	–	KES 92,529.36
Remitly Cheapest	93.0400	$0.00	KES 93,040.00	+KES 510.64
Africhange	92.5257	$1.08	KES 92,525.72	−KES 3.64
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 1,529.36
RBC	89.8140	$0.00	KES 89,814.03	−KES 2,715.33

Fri, Oct 23, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.6180	–	KES 92,617.96
Remitly Cheapest	93.2700	$0.00	KES 93,270.00	+KES 652.04
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 1,617.96
RBC	89.8140	$0.00	KES 89,814.03	−KES 2,803.93
Africhange No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.6649	–	KES 92,664.92
Remitly Cheapest	93.2700	$0.00	KES 93,270.00	+KES 605.08
Africhange	92.6649	$1.08	KES 92,664.92	Same
TapTap Send	91.0000	$0.00	KES 91,000.00	−KES 1,664.92
RBC	89.9281	$0.00	KES 89,928.06	−KES 2,736.86

Mon, Oct 26, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.6482	–	KES 92,648.24
Remitly Cheapest	93.2700	$0.00	KES 93,270.00	+KES 621.76
TapTap Send	91.1500	$0.00	KES 91,150.00	−KES 1,498.24
RBC	89.9266	$0.00	KES 89,926.62	−KES 2,721.62
Africhange No quote collected this day	–	–	–	–

Tue, Oct 27, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.6829	–	KES 92,682.91
Remitly Cheapest	93.3600	$0.00	KES 93,360.00	+KES 677.09
Africhange	92.6829	$1.08	KES 92,682.91	Same
TapTap Send	91.1500	$0.00	KES 91,150.00	−KES 1,532.91
RBC	89.9665	$0.00	KES 89,966.48	−KES 2,716.43

Wed, Oct 28, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.3778	–	KES 92,377.81
Remitly Cheapest	93.0100	$0.00	KES 93,010.00	+KES 632.19
Africhange	92.3778	$1.08	KES 92,377.81	Same
TapTap Send	91.1500	$0.00	KES 91,150.00	−KES 1,227.81
RBC	89.6096	$0.00	KES 89,609.64	−KES 2,768.17

Thu, Oct 29, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.8432	–	KES 92,843.23
Remitly Cheapest	93.5200	$0.00	KES 93,520.00	+KES 676.77
Africhange	92.8436	$1.08	KES 92,843.60	+KES 0.37
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 843.23
RBC	90.0730	$0.00	KES 90,072.99	−KES 2,770.24

Fri, Oct 30, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.9606	–	KES 92,960.55
Remitly Cheapest	93.5900	$0.00	KES 93,590.00	+KES 629.45
Africhange	92.9614	$1.08	KES 92,961.38	+KES 0.83
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 960.55
RBC	90.2737	$0.00	KES 90,273.68	−KES 2,686.87

Sat, Oct 31, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.8775	–	KES 92,877.50
Remitly Cheapest	93.6700	$0.00	KES 93,670.00	+KES 792.51
Africhange	92.8775	$1.08	KES 92,877.49	Same
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 877.49
RBC	90.3471	$0.00	KES 90,347.14	−KES 2,530.35

Mon, Nov 2, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.9027	–	KES 92,902.71
Remitly Cheapest	93.5400	$0.00	KES 93,540.00	+KES 637.29
Africhange	92.9005	$1.08	KES 92,900.55	−KES 2.16
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 902.71
RBC	90.2065	$0.00	KES 90,206.50	−KES 2,696.21

Tue, Nov 3, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	93.0206	–	KES 93,020.57
Remitly Cheapest	93.6900	$0.00	KES 93,690.00	+KES 669.43
Africhange	93.0198	$1.08	KES 93,019.77	−KES 0.80
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 1,020.57
RBC	90.3004	$0.00	KES 90,300.37	−KES 2,720.20

Wed, Nov 4, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.9766	–	KES 92,976.56
Remitly Cheapest	93.6500	$0.00	KES 93,650.00	+KES 673.44
Africhange	92.9850	$1.08	KES 92,984.96	+KES 8.40
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 976.56
RBC	90.3004	$0.00	KES 90,300.37	−KES 2,676.19

Thu, Nov 5, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	93.1354	–	KES 93,135.44
Remitly Cheapest	93.7800	$0.00	KES 93,780.00	+KES 644.56
Africhange	93.1115	$1.07	KES 93,111.47	−KES 23.97
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 1,135.44
RBC	90.3512	$0.00	KES 90,351.22	−KES 2,784.22

Fri, Nov 6, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.4752	–	KES 92,475.23
Remitly Cheapest	93.1200	$0.00	KES 93,120.00	+KES 644.77
Africhange	92.4874	$1.08	KES 92,487.40	+KES 12.17
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 475.23
RBC	89.6579	$0.00	KES 89,657.95	−KES 2,817.28

Sat, Nov 7, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.0752	–	KES 92,075.21
Remitly Cheapest	92.5600	$0.00	KES 92,560.00	+KES 484.79
Africhange	92.0752	$1.09	KES 92,075.21	Same
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 75.21
RBC	89.1266	$0.00	KES 89,126.56	−KES 2,948.65

Sun, Nov 8, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	92.2653	–	KES 92,265.27
Remitly Cheapest	92.5600	$0.00	KES 92,560.00	+KES 294.73
Africhange	92.2653	$1.08	KES 92,265.27	Same
TapTap Send	92.0000	$0.00	KES 92,000.00	−KES 265.27
RBC	89.1266	$0.00	KES 89,126.56	−KES 3,138.71

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