Best companies for CNY/KES transfers
2 of 2 providers Last updated on 28 October 2026
Based on 50,000 CNY transfer Best companies for CNY/KES transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ¥638.94 1 CNY = 19.4892 KES -0.02% vs mid-market	Recipient gets KES 962,008.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥638.941 CNY = 19.4892 KES KES 962,008.00You pay¥50,000.00
Promoted Regency FX Pay via Bank transfer	Fee ¥0.00 1 CNY = 19.4335 KES +0.27% vs mid-market	Recipient gets KES 971,672.83 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 19.4335 KES KES 971,672.83You pay¥50,000.00
Run a live search Showing top China to Kenya deals for 50,000 CNY. 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 CNY 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 CNY you're planning to spend in Kenya.
Run a live search These are managed services with real human support for large CNY 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 ¥0.00 1 CNY = 19.4335 KES +0.27% vs mid-market	Recipient gets KES 971,672.83 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CNY = 19.4335 KES KES 971,672.83You pay¥50,000.00
Wise Pay via Bank transfer	Fee ¥638.94 1 CNY = 19.4892 KES -0.02% vs mid-market	Recipient gets KES 962,008.00 Within minutes
25 reviews FastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥638.941 CNY = 19.4892 KES KES 962,008.00You pay¥50,000.00
Wise Pay via Alipay	Fee ¥1,288.54 1 CNY = 19.4892 KES -0.02% vs mid-market	Recipient gets KES 949,347.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by alipay. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥1,288.541 CNY = 19.4892 KES KES 949,347.00You pay¥50,000.00
How Our Results Work Mid-market rate: 1 CNY = 19.4861 KES Updates every 60 minutes.

Why compare

CNY/KES exchange rate

Best ways to pay & receive

Transfer speed

How to send money from China to Kenya

Pick a company

I suggest starting with Regency FX which is the cheapest option for sending 元50,000.

Regency FX was the cheapest on 29 of the 30 days it quoted 元50,000 transfers to Kenya.

Fund your transfer

You have 2 ways to pay, including bank transfer and alipay.

A transfer from your Chinese bank account is the standard way, and you may be asked for the purpose of the transfer.

Some companies also take an Alipay top-up if you're a foreign resident.

Verify and send

What you need depends on who you are.

Foreign residents make transfers against a tax certificate, which is what sets your transfer limit.

Chinese citizens are limited by the yearly allowance, with the transfer purpose documented at the bank.

Compare amounts

How much CNY are you sending to Kenya?

How much CNY 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 97% of all the transfers it quoted over the past month.

					Cheapest service
¥10,000	0.17%	¥152.91	KES 191,476.00with bank transfer to bank deposit	+KES 1,260.00
¥50,000This page	0.27%	¥0.00	KES 971,672.83with bank transfer to bank deposit	+KES 10,663.55

Mid-market rate: 1 CNY = 19.4861 KES

CNY/KES Exchange Rate History

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

The cheapest way to send CNY 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 50,000 CNY transfers to Kenya.

Each line shows what the recipient gets when you send ¥50,000, after fees, as quoted by each company. The mid-market line shows what ¥50,000 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 CNY than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of KES on every transfer from China.

Right now, Regency FX pays 971,672.83 KES on 50,000 CNY, which is 2,630.62 KES less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 972,347.01 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.

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 46 comparisons to check how often today's top companies were the cheapest across 2 amounts over the past month.

Regency FXAppeared in 30 comparisons
Cheapest in 97% of them
WiseAppeared in 45 comparisons
Cheapest in 38% of them

Based on 46 comparisons across 2 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 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 and gets you the most KES, and it was also the cheapest in 97% of the 30 comparisons it appeared in over the past month.

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

Wise (today's second cheapest) was the cheapest in only 38% of its comparisons, so it's rarely the cheapest option for transfers to Kenya.

Ways to send money from China to Kenya

There are 2 companies that send money from China to Kenya.

For sending salary abroad

Online transfers

Foreign residents can send their after-tax salary out of China to Kenya.

The money transfer service will ask for tax records and set the sending limit based on verified income.

With Wise your recipient gets 962,008 KES on a 元50,000 transfer in within an hour.

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

You can use Alipay to fund the transfer to Kenya, but it can't send money abroad by itself.

For paying overseas suppliers

Global accounts

Documented trade payments are supported by invoices and sit outside the personal foreign-exchange allowance.

WorldFirst and Payoneer can manage regular business payments from China to Kenya and foreign-currency balances.

Ways to fund CNY and receive KES in Kenya

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 元50,000 gives your recipient 971,672.83 KES.

You pay for your transfer from China using bank transfer and alipay.

Paying through a mainland Chinese bank

Your bank may ask for the transfer purpose and supporting documents before allowing you to send money to Kenya.

Education, family support and your own overseas expenses may require different evidence.

For withdrawal in Kenya, you can choose bank deposit.

1

Bank transfer Bank deposit

You pay 元50,000.00

KSh971,673

Cheapest
2

Alipay Bank deposit

You pay 元50,000.00

KSh949,347

-KSh22,326

Consider this when sending CNY to Kenya

The legal route depends on whether you are a Chinese citizen converting personal foreign exchange or a foreign worker sending taxed salary abroad.

Compare the available CNY/KES options

There are 2 companies in this comparison for a CNY 50,000 transfer to Kenya. This example assumes an eligible foreign worker is sending documented salary to an account in their own name.

Cheapest way to send money to Kenya

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your account in Kenya receives 971,672.83 KES, which is 0.99% more than the next best option.

Fastest way to send money to Kenya

Wise delivers 962,008 KES in within an hour using the same bank transfer and bank deposit chain.

Chinese citizens have allowance

A Chinese citizen can normally purchase up to the equivalent of US$50,000 in foreign currency per calendar year for permitted personal current-account uses.

The allowance is not permission to buy overseas property or securities.

Do not borrow another person's allowance or split a payment to get around the rule.

For tuition or another documented overseas service, the bank can process the payment against the admission letter, invoice and other evidence it requests.

Foreign workers can send documented salary

A foreign resident's lawful after-tax salary follows a different route from the citizen allowance.

The bank or transfer company will usually ask for a passport, work or residence permit, tax record and evidence of salary.

The amount you can send is tied to income you can document.

Keep the tax certificate and bank salary records together before sending money home.

Alipay and WeChat Pay

Alipay can fund the Chinese side when a supported transfer company offers it.

Alipay and WeChat Pay do not provide unrestricted person-to-person transfers from China to Kenya.

The transfer still needs a permitted purpose or documented taxed income.

Avoid any person who promises to move unlimited money through private accounts, crypto or somebody else's quota.

How we analyse the market

We only list companies that can send money out of mainland China, which is a short list and depends on whether you're a resident or a foreign national.

In the past 30 days alone, we analysed 46 comparisons across 2 amounts.

This page covers the cheapest and fastest options for CNY/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.

We track 2 of them on CNY to Kenya in real time on live comparisons, comparing rates, fees and payout options, and 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 China

Send money to Kenya

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3437	–	KES 967,183.60
Regency FX Cheapest	19.2914	¥0.00	KES 964,572.20	−KES 2,611.40
Wise	19.3557	¥638.94	KES 955,418.00	−KES 11,765.60

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3425	–	KES 967,126.80
Regency FX Cheapest	19.2903	¥0.00	KES 964,515.56	−KES 2,611.24
Wise	19.3623	¥638.94	KES 955,744.00	−KES 11,382.80

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3012	–	KES 965,061.65
Regency FX Cheapest	19.2491	¥0.00	KES 962,455.98	−KES 2,605.67
Wise	19.2951	¥638.94	KES 952,427.00	−KES 12,634.65

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3448	–	KES 967,240.95
Regency FX Cheapest	19.2926	¥0.00	KES 964,629.40	−KES 2,611.55
Wise	19.3441	¥638.94	KES 954,845.00	−KES 12,395.95

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.1333	–	KES 956,666.55
Wise Cheapest	19.3505	¥638.94	KES 955,161.00	−KES 1,505.55
Regency FX	19.0817	¥0.00	KES 954,083.55	−KES 2,583.00

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3178	–	KES 965,891.00
Regency FX Cheapest	19.2657	¥0.00	KES 963,283.09	−KES 2,607.91
Wise	19.3505	¥638.94	KES 955,161.00	−KES 10,730.00

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3614	–	KES 968,071.70
Regency FX Cheapest	19.3092	¥0.00	KES 965,457.91	−KES 2,613.79
Wise	19.3617	¥638.94	KES 955,714.00	−KES 12,357.70

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3420	–	KES 967,101.10
Regency FX Cheapest	19.2898	¥0.00	KES 964,489.93	−KES 2,611.17
Wise	19.3409	¥638.94	KES 954,687.00	−KES 12,414.10

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3464	–	KES 967,320.85
Regency FX Cheapest	19.2942	¥0.00	KES 964,709.08	−KES 2,611.77
Wise	19.3422	¥638.94	KES 954,751.00	−KES 12,569.85

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3629	–	KES 968,146.65
Regency FX Cheapest	19.3107	¥0.00	KES 965,532.65	−KES 2,614.00
Wise	19.3739	¥638.94	KES 956,316.00	−KES 11,830.65

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3530	–	KES 967,651.45
Regency FX Cheapest	19.3008	¥0.00	KES 965,038.79	−KES 2,612.66
Wise	19.3650	¥638.94	KES 955,877.00	−KES 11,774.45

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3807	–	KES 969,037.25
Regency FX Cheapest	19.3284	¥0.00	KES 966,420.85	−KES 2,616.40
Wise	19.3793	¥638.94	KES 956,583.00	−KES 12,454.25

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3899	–	KES 969,492.90
Regency FX Cheapest	19.3375	¥0.00	KES 966,875.27	−KES 2,617.63
Wise	19.3839	¥638.94	KES 956,810.00	−KES 12,682.90

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3824	–	KES 969,122.40
Regency FX Cheapest	19.3301	¥0.00	KES 966,505.77	−KES 2,616.63
Wise	19.3636	¥638.94	KES 955,808.00	−KES 13,314.40

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3869	–	KES 969,347.05
Regency FX Cheapest	19.3346	¥0.00	KES 966,729.81	−KES 2,617.24
Wise	19.3782	¥638.94	KES 956,528.00	−KES 12,819.05

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4240	–	KES 971,198.25
Regency FX Cheapest	19.3715	¥0.00	KES 968,576.01	−KES 2,622.24
Wise	19.4160	¥638.94	KES 958,394.00	−KES 12,804.25

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.3912	–	KES 969,559.80
Regency FX Cheapest	19.3388	¥0.00	KES 966,941.99	−KES 2,617.81
Wise	19.3900	¥638.94	KES 957,111.00	−KES 12,448.80

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4432	–	KES 972,159.05
Regency FX Cheapest	19.3907	¥0.00	KES 969,534.22	−KES 2,624.83
Wise	19.4197	¥638.94	KES 958,577.00	−KES 13,582.05

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4046	–	KES 970,230.95
Regency FX Cheapest	19.3522	¥0.00	KES 967,611.33	−KES 2,619.62
Wise	19.4328	¥638.94	KES 959,224.00	−KES 11,006.95

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4426	–	KES 972,129.40
Regency FX Cheapest	19.3901	¥0.00	KES 969,504.65	−KES 2,624.75
Wise No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4293	–	KES 971,464.35
Regency FX Cheapest	19.3768	¥0.00	KES 968,841.40	−KES 2,622.95
Wise	19.4159	¥638.94	KES 958,389.00	−KES 13,075.35

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4293	–	KES 971,464.90
Regency FX Cheapest	19.3768	¥0.00	KES 968,841.94	−KES 2,622.96
Wise	19.4325	¥638.94	KES 959,209.00	−KES 12,255.90

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4443	–	KES 972,213.05
Regency FX Cheapest	19.3918	¥0.00	KES 969,588.07	−KES 2,624.98
Wise	19.4517	¥638.94	KES 960,157.00	−KES 12,056.05

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4299	–	KES 971,496.80
Regency FX Cheapest	19.3775	¥0.00	KES 968,873.76	−KES 2,623.04
Wise	19.4676	¥638.94	KES 960,941.00	−KES 10,555.80

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19.4383	–	KES 971,913.95
Regency FX Cheapest	19.3858	¥0.00	KES 969,289.78	−KES 2,624.17
Wise	19.4620	¥638.94	KES 960,665.00	−KES 11,248.95

How to send money to Kenya from China with the best CNY-KES rate

Best companies for CNY/KES transfers