How to send money to Kenya from Germany with the best EUR-KES rate

Comparing based on your specific needs is the best way to send money from Germany to Kenya with confidence.

For EUR/KES

• Wise is our top pick for sending Euro to Kenya. For example, sending 7,000 EUR to KES will cost you €82.74 in fees, and you will receive 1,031,868 KES.

• We would recommend Key Currency for low cost, affordable transfers from Kenyan Shillings to Kenya. We found that Key Currency is 0.02% cheaper than the second-best option. The cost is a combination of a fee of 0 EUR and an exchange rate for converting Euro to Kenyan Shilling that is 0.25% different to the mid-market rate.

• Fastest way to send money to Kenya from Germany is with Revolut. For example, if you send 7,000 EUR with Revolut to Kenya, the transfer time is innerhalb von minuten based on our data.

Our analysis, and search results, include 8 providers that operate between Germany and Kenya. These are ranked by speed, overall cost and ease of use.

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

The exchange rate determines the price you’ll pay for Kenyan Shilling when you send Euro to Kenya.

The current exchange rate between the Euro and Kenyan Shilling is 149.3433, and it constantly fluctuates.

When calculating the cost of sending money from Germany to Kenya, a combination of fees and exchange rates ensure the best deal:

• The Mid-Market and Exchange Rates: The current EUR-KES mid-market rate is 149.3433 KES per Euro. Finding a provider as close to this number as possible will ensure more Kenyan Shilling for your money.

• Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers the lowest fees of 0 EUR per transfer (based on €7,000 transfer). Although, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The total amount received in Kenyan Shilling is the biggest indicator in the total cost of sending money to Germany from Kenya. The higher the total amount received in Kenya, the lower the cost of sending from Germany.

It’s possible that waiting a day or two can help you get more KES for the same amount of Euro. But, the best way to lock in a price between Germany and Kenya is by using a forward contract.

A bank transfer is our recommended option for money transfers between Germany and Kenya. Key Currency offers the best price on a bank transfer.

Here are all the ways to send money from Germany to Kenya:

Bank transfers

Bank transfers are often the best payment method for money transfers from Germany to Kenya.

A money transfer company like Key Currency offer bank transfers between Germany and Kenya with lower fees and better exchange rates than you would get from a traditional bank.

On average, Key Currency is the cheapest provider for bank transfers of the 8 we tested when sending EUR to Kenya.

Debit and prepaid cards

Sending money from Germany to Kenya with a debit or a prepaid card is very simple with Wise.


Wise is a leader in debit card payments for transfers from Germany to Kenya, competing among a total of 8 active money transfer companies on this route.

Credit cards

We recommend avoiding credit cards where possible due to a lack of support and high fees.

If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

Always choose providers that are regulated by financial authorities in both Germany and Kenya to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Germany and Kenya.

Some services have minimum or maximum thresholds on how much you can transfer from Germany to Kenya.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of EUR to Kenya. The combination of rates and fees when sending to Kenya is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Germany, or entering Kenya. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Kenya. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Germany to Kenya will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Germany into Kenyan Shilling. Wise is the best company for bank transfers between Germany and Kenya.

And if you need cash right away, check if cash pickup is an option for transfers between Germany and Kenya.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When signing up to a money transfer company to send between Germany and Kenya, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Germany this will be a government ID like a passport or driver's license. In Kenya it will be a similar set of documents, although this should only be needed if you are opening a new account in Kenya, or collecting in cash.

Big transactions between Germany and Kenya, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Germany.

When sending large amounts of money between Germany and Kenya there will be tax implications to consider.

Some transfers into Kenyan Shilling may need to be reported to tax authorities in Kenya, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in Kenya based on age, income and a few other elements. When in doubt, please contact a tax professional in Germany or Kenya to discuss your personal circumstances.