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

Revolut is the best and cheapest service overall. On €7,000 you will get 998,811.11 KES after fees and the exchange rate.

We’ve compared 8 money transfer companies in more detail below.

Best companies for EUR/KES transfers

8 of 8 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/KES transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €77.26 1 EUR = 144.1060 KES +0.19% vs mid-market Recipient gets KES 997,608.00 Within minutes
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
€77.261 EUR = 144.1060 KES
KES 997,608.00You pay€7,000.00
Promoted

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 144.0123 KES +0.25% vs mid-market Recipient gets KES 1,008,086.03 Minutes - 3 days
Personal account managerReceive to bank account

Ways to receive money in Kenya with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 144.0123 KES
KES 1,008,086.03You pay€7,000.00

Run a live search

Showing top Germany to Kenya deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 145.3500 KES -0.67% vs mid-market Recipient gets KES 1,017,450.00 Minutes
Cheapest
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 EUR = 145.3500 KES
KES 1,017,450.00You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €0.99 1 EUR = 144.0388 KES +0.23% vs mid-market Recipient gets KES 1,008,271.60 Minutes - 24 hours

Ways to receive money in Kenya with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€0.991 EUR = 144.0388 KES
KES 1,008,271.60You pay€7,000.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 142.1650 KES
KES 995,155.00You pay€7,001.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
Free1 EUR = 141.4500 KES
KES 990,150.00You pay€7,000.00
Cash pickupMinutes - 24 hours
€3.991 EUR = 141.4480 KES
KES 990,136.00You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €0.99 1 EUR = 144.0388 KES +0.23% vs mid-market Recipient gets KES 1,008,271.60 Minutes - 24 hours

Ways to receive money in Kenya with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€0.991 EUR = 144.0388 KES
KES 1,008,271.60You pay€7,000.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 142.1650 KES
KES 995,155.00You pay€7,001.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
Free1 EUR = 141.4500 KES
KES 990,150.00You pay€7,000.00
Cash pickupMinutes - 24 hours
€3.991 EUR = 141.4480 KES
KES 990,136.00You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €1.00 1 EUR = 144.0388 KES +0.23% vs mid-market Recipient gets KES 1,008,271.60 Minutes - 24 hours

Ways to receive money in Kenya with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
€1.001 EUR = 144.0388 KES
KES 1,008,271.60You pay€7,001.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.901 EUR = 142.1650 KES
KES 995,155.00You pay€7,000.90
Cash pickupMinutes - 24 hours
€3.991 EUR = 141.4480 KES
KES 990,136.00You pay€7,003.99
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 144.0123 KES +0.25% vs mid-market Recipient gets KES 1,008,086.03 Minutes - 3 days
Personal account managerReceive to bank account

Ways to receive money in Kenya with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 144.0123 KES
KES 1,008,086.03You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 143.9834 KES +0.27% vs mid-market Recipient gets KES 1,007,883.91 Minutes - 24 hours
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 EUR = 143.9834 KES
KES 1,007,883.91You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €0.00 1 EUR = 143.4029 KES +0.67% vs mid-market Recipient gets KES 1,003,820.51 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Kenya with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 2 days
Free1 EUR = 143.4029 KES
KES 1,003,820.51You pay€7,000.00
Mobile moneyMinutes - 2 days
€0.991 EUR = 142.9391 KES
KES 1,000,432.47You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €31.00 1 EUR = 143.3220 KES +0.73% vs mid-market Recipient gets KES 998,811.11 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Kenya with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€31.001 EUR = 143.3220 KES
KES 998,811.11You pay€7,000.00

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 €77.26 1 EUR = 144.1060 KES +0.19% vs mid-market Recipient gets KES 997,608.00 Within minutes
Recommended
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
€77.261 EUR = 144.1060 KES
KES 997,608.00You pay€7,000.00

Wise

Pay via iDEAL
Fee €87.29 1 EUR = 144.1060 KES +0.19% vs mid-market Recipient gets KES 996,163.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€87.291 EUR = 144.1060 KES
KES 996,163.00You pay€7,000.00

Wise

Pay via Debit card
Fee €131.63 1 EUR = 144.1060 KES +0.19% vs mid-market Recipient gets KES 989,773.00 Within minutes
Multi-currency cardReceive 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
€131.631 EUR = 144.1060 KES
KES 989,773.00You pay€7,000.00

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 141.9974 KES +1.66% vs mid-market Recipient gets KES 988,721.14 Minutes - 5 days
0 reviews

Ways to receive money in Kenya with Deutsche Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 141.9974 KES
KES 988,721.14You pay€7,000.00

Wise

Pay via Credit card
Fee €173.16 1 EUR = 144.1060 KES +0.19% vs mid-market Recipient gets KES 983,789.00 Within minutes
Multi-currency cardReceive 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
€173.161 EUR = 144.1060 KES
KES 983,789.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €191.00 1 EUR = 143.3220 KES +0.73% vs mid-market Recipient gets KES 975,879.59 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Kenya with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€191.001 EUR = 143.3220 KES
KES 975,879.59You pay€7,000.00

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.

How Our Results Work
Mid-market rate: 1 EUR = 144.3732 KES Updates every 60 minutes.

How to send money from Germany to Kenya

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Revolut.

Revolut was the cheapest on 0 of the 29 days it quoted €7,000 transfers to Kenya.

On a 7,000 EUR transfer, Revolut delivers the most KES.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/KES rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to Kenya?

How much EUR 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 Revolut was the cheapest in 0% of the transfers from €7,000 it quoted, and in 1% of all the transfers it quoted.

Cheapest service
€450-1.64%€0.00KES 66,076.00with debit card to bank deposit+KES 1,609.02
€500-1.60%€0.00KES 73,418.00with debit card to bank deposit+KES 1,747.71
€1,000-0.63%€0.00KES 145,350.00with debit card to mobile money+KES 2,859.56
€5,000-0.65%€0.00KES 726,750.00with debit card to mobile money+KES 14,483.87
€7,000This page-0.67%€0.00KES 1,017,450.00with debit card to mobile money+KES 17,964.28
€50,000-0.63%€0.00KES 7,267,500.00with debit card to mobile money+KES 120,896.17

Mid-market rate: 1 EUR = 144.3732 KES

EUR/KES Exchange Rate History

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

The cheapest way to send EUR 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 Revolut), across 30 days of comparisons for 7,000 EUR transfers to Kenya.

KES received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateKES 1,010,612.56 TapTap Send KES 1,017,450.00 Deutsche Bank KES 988,721.14TapTap SendKES 1,017,450.00MoneyGramKES 1,008,271.60Key CurrencyKES 1,008,086.03Extra cost of a bankKES 28,728.86

980,00K
990,00K
1,00M
1,01M
1,02M
1,03M
1,04M
At the mid-market rateWith the cheapest optionWith a bankTapTap SendMoneyGramKey Currency
Exchange rateFeeRecipient getsDifference
Mid-market rate 147.2931 – KES 1,031,051.94
TapTap Send Cheapest 147.0500 €0.00 KES 1,029,350.00 −KES 1,701.94
MoneyGram 147.0500 €0.99 KES 1,029,350.00 −KES 1,701.94
Key Currency 146.9249 €0.00 KES 1,028,474.31 −KES 2,577.63
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 147.2722 – KES 1,030,905.07
Key Currency Cheapest 146.9040 €0.00 KES 1,028,327.81 −KES 2,577.26
MoneyGram 146.0044 €0.99 KES 1,022,030.80 −KES 8,874.27
TapTap Send 146.0000 €0.00 KES 1,022,000.00 −KES 8,905.07
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.8009 – KES 1,027,606.36
TapTap Send Cheapest 147.0000 €0.00 KES 1,029,000.00 +KES 1,393.64
MoneyGram 146.8868 €0.99 KES 1,028,207.60 +KES 601.24
Key Currency 146.4339 €0.00 KES 1,025,037.35 −KES 2,569.01
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.1050 – KES 1,022,734.93
TapTap Send Cheapest 146.0000 €0.00 KES 1,022,000.00 −KES 734.93
MoneyGram 145.9134 €0.99 KES 1,021,393.80 −KES 1,341.13
Key Currency 145.7397 €0.00 KES 1,020,178.09 −KES 2,556.84
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 144.4354 – KES 1,011,047.99
TapTap Send Cheapest 146.0000 €0.00 KES 1,022,000.00 +KES 10,952.01
MoneyGram 145.6006 €0.99 KES 1,019,204.20 +KES 8,156.21
Key Currency 144.0743 €0.00 KES 1,008,520.37 −KES 2,527.62
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.8281 – KES 1,020,796.77
MoneyGram Cheapest 145.6006 €0.99 KES 1,019,204.20 −KES 1,592.57
TapTap Send 145.6000 €0.00 KES 1,019,200.00 −KES 1,596.77
Key Currency 145.4635 €0.00 KES 1,018,244.78 −KES 2,551.99
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.1402 – KES 1,015,981.06
MoneyGram Cheapest 145.6006 €0.99 KES 1,019,204.20 +KES 3,223.14
TapTap Send 145.6000 €0.00 KES 1,019,200.00 +KES 3,218.94
Key Currency 144.7773 €0.00 KES 1,013,441.11 −KES 2,539.95
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.4046 – KES 1,017,832.10
MoneyGram Cheapest 145.0422 €0.99 KES 1,015,295.40 −KES 2,536.70
Key Currency 145.0411 €0.00 KES 1,015,287.52 −KES 2,544.58
TapTap Send 145.0000 €0.00 KES 1,015,000.00 −KES 2,832.10
Deutsche Bank 142.5518 €37.05 KES 992,581.00 −KES 25,251.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.7829 – KES 1,020,480.16
Key Currency Cheapest 145.4184 €0.00 KES 1,017,928.96 −KES 2,551.20
MoneyGram 145.0020 €0.99 KES 1,015,014.00 −KES 5,466.16
TapTap Send 145.0000 €0.00 KES 1,015,000.00 −KES 5,480.16
Deutsche Bank 142.5518 €37.05 KES 992,581.00 −KES 27,899.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3232 – KES 1,017,262.39
TapTap Send Cheapest 145.0000 €0.00 KES 1,015,000.00 −KES 2,262.39
MoneyGram 144.9978 €0.99 KES 1,014,984.60 −KES 2,277.79
Key Currency 144.9599 €0.00 KES 1,014,719.23 −KES 2,543.16
Deutsche Bank 142.6776 €37.05 KES 993,457.23 −KES 23,805.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.6634 – KES 1,019,644.03
Key Currency Cheapest 145.2993 €0.00 KES 1,017,094.92 −KES 2,549.11
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 8,144.03
MoneyGram 144.4995 €0.99 KES 1,011,496.50 −KES 8,147.53
Deutsche Bank 142.6776 €37.05 KES 993,457.23 −KES 26,186.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3202 – KES 1,017,241.30
Key Currency Cheapest 144.9569 €0.00 KES 1,014,698.20 −KES 2,543.10
MoneyGram 144.5005 €0.99 KES 1,011,503.50 −KES 5,737.80
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 5,741.30
Deutsche Bank 142.5354 €37.05 KES 992,466.86 −KES 24,774.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3202 – KES 1,017,241.30
Key Currency Cheapest 144.9569 €0.00 KES 1,014,698.20 −KES 2,543.10
MoneyGram 144.5005 €0.99 KES 1,011,503.50 −KES 5,737.80
TapTap Send 144.2000 €0.00 KES 1,009,400.00 −KES 7,841.30
Deutsche Bank 142.5354 €37.05 KES 992,466.86 −KES 24,774.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3952 – KES 1,017,766.25
Key Currency Cheapest 145.0317 €0.00 KES 1,015,221.84 −KES 2,544.41
MoneyGram 144.5005 €0.99 KES 1,011,503.50 −KES 6,262.75
TapTap Send 144.1000 €0.00 KES 1,008,700.00 −KES 9,066.25
Deutsche Bank 142.7091 €37.05 KES 993,676.00 −KES 24,090.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.0443 – KES 1,015,310.12
TapTap Send Cheapest 145.0000 €0.00 KES 1,015,000.00 −KES 310.12
Key Currency 144.6817 €0.00 KES 1,012,771.85 −KES 2,538.27
MoneyGram 144.1784 €0.99 KES 1,009,248.80 −KES 6,061.32
Deutsche Bank 142.0563 €37.05 KES 989,131.05 −KES 26,179.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3312 – KES 1,017,318.17
Key Currency Cheapest 144.9678 €0.00 KES 1,014,774.87 −KES 2,543.30
MoneyGram 144.6272 €0.99 KES 1,012,390.40 −KES 4,927.77
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 5,818.17
Deutsche Bank 142.5575 €37.05 KES 992,620.95 −KES 24,697.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5373 – KES 1,018,761.30
Key Currency Cheapest 145.1735 €0.00 KES 1,016,214.39 −KES 2,546.91
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 7,261.30
MoneyGram 144.4959 €0.99 KES 1,011,471.30 −KES 7,290.00
Deutsche Bank 142.5575 €37.05 KES 992,620.95 −KES 26,140.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.0728 – KES 1,022,509.83
Key Currency Cheapest 145.7077 €0.00 KES 1,019,953.56 −KES 2,556.27
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 6,109.83
MoneyGram 144.5039 €0.99 KES 1,011,527.30 −KES 10,982.53
Deutsche Bank 141.9900 €37.05 KES 988,669.62 −KES 33,840.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.1936 – KES 1,023,355.30
Key Currency Cheapest 145.8281 €0.00 KES 1,020,796.91 −KES 2,558.39
MoneyGram 145.2044 €0.99 KES 1,016,430.80 −KES 6,924.50
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 6,955.30
Deutsche Bank 143.2222 €37.05 KES 997,249.02 −KES 26,106.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.1936 – KES 1,023,355.30
Key Currency Cheapest 145.8281 €0.00 KES 1,020,796.91 −KES 2,558.39
MoneyGram 145.2044 €0.99 KES 1,016,430.80 −KES 6,924.50
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 6,955.30
Deutsche Bank 143.2222 €37.05 KES 997,249.02 −KES 26,106.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.6084 – KES 1,019,258.70
Key Currency Cheapest 145.2444 €0.00 KES 1,016,710.56 −KES 2,548.14
MoneyGram 145.2044 €0.99 KES 1,016,430.80 −KES 2,827.90
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 2,858.70
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.8100 – KES 1,020,669.90
Key Currency Cheapest 145.4455 €0.00 KES 1,018,118.22 −KES 2,551.68
TapTap Send 145.3000 €0.00 KES 1,017,100.00 −KES 3,569.90
MoneyGram 144.7643 €0.99 KES 1,013,350.10 −KES 7,319.80
Deutsche Bank 142.9027 €37.05 KES 995,024.33 −KES 25,645.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.6623 – KES 1,019,636.05
TapTap Send Cheapest 145.3000 €0.00 KES 1,017,100.00 −KES 2,536.05
Key Currency 145.2981 €0.00 KES 1,017,086.96 −KES 2,549.09
MoneyGram 144.8547 €0.99 KES 1,013,982.90 −KES 5,653.15
Deutsche Bank 142.9472 €37.05 KES 995,334.15 −KES 24,301.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.0320 – KES 1,022,223.82
Key Currency Cheapest 145.6669 €0.00 KES 1,019,668.26 −KES 2,555.56
TapTap Send 145.3000 €0.00 KES 1,017,100.00 −KES 5,123.82
Deutsche Bank 142.8317 €37.05 KES 994,529.72 −KES 27,694.10
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5354 – KES 1,018,747.74
TapTap Send Cheapest 145.3000 €0.00 KES 1,017,100.00 −KES 1,647.74
Key Currency 145.1716 €0.00 KES 1,016,200.87 −KES 2,546.87
MoneyGram 144.9783 €0.99 KES 1,014,848.10 −KES 3,899.64
Deutsche Bank 142.8317 €37.05 KES 994,529.72 −KES 24,218.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3550 – KES 1,017,484.89
TapTap Send Cheapest 145.3000 €0.00 KES 1,017,100.00 −KES 384.89
Key Currency 144.9916 €0.00 KES 1,014,941.18 −KES 2,543.71
MoneyGram 144.6382 €0.99 KES 1,012,467.40 −KES 5,017.49
Deutsche Bank 142.6821 €37.05 KES 993,488.33 −KES 23,996.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3550 – KES 1,017,484.89
TapTap Send Cheapest 145.3500 €0.00 KES 1,017,450.00 −KES 34.89
Key Currency 144.9916 €0.00 KES 1,014,941.18 −KES 2,543.71
MoneyGram 144.6382 €0.99 KES 1,012,467.40 −KES 5,017.49
Deutsche Bank 142.6821 €37.05 KES 993,488.33 −KES 23,996.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5891 – KES 1,019,123.69
TapTap Send Cheapest 145.3500 €0.00 KES 1,017,450.00 −KES 1,673.69
Key Currency 145.2251 €0.00 KES 1,016,575.88 −KES 2,547.81
MoneyGram 144.6382 €0.99 KES 1,012,467.40 −KES 6,656.29
Deutsche Bank 142.7861 €37.05 KES 994,212.22 −KES 24,911.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 144.9403 – KES 1,014,582.29
TapTap Send Cheapest 145.3500 €0.00 KES 1,017,450.00 +KES 2,867.71
MoneyGram 144.7974 €0.99 KES 1,013,581.80 −KES 1,000.49
Key Currency 144.5780 €0.00 KES 1,012,045.83 −KES 2,536.46
Deutsche Bank 142.5596 €37.05 KES 992,635.08 −KES 21,947.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 144.3732 – KES 1,010,612.56
TapTap Send Cheapest 145.3500 €0.00 KES 1,017,450.00 +KES 6,837.44
MoneyGram 144.0388 €0.99 KES 1,008,271.60 −KES 2,340.96
Key Currency 144.0123 €0.00 KES 1,008,086.03 −KES 2,526.53
Deutsche Bank 141.9974 €37.05 KES 988,721.14 −KES 21,891.42

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR 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 5 of the last 30 days.

Right now, Revolut pays 998,811.11 KES on 7,000 EUR, which is 11,801.45 KES less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,029,350 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 110 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. TapTap SendAppeared in 104 comparisons

    Cheapest in 36% of them

  2. MoneyGramAppeared in 105 comparisons

    Cheapest in 9% of them

  3. Key CurrencyAppeared in 43 comparisons

    Cheapest in 53% of them

  4. Deutsche BankAppeared in 97 comparisons

    Never the cheapest

Based on 110 comparisons across 6 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 Revolut is the cheapest and gets you the most KES, but it was the cheapest in only 1% of the 97 comparisons it appeared in over the past month.

Wise (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Kenya.

If it's a one-off transfer, go with Revolut, since it's the cheapest right now.

Ways to send money from Germany to Kenya

There are 8 companies for sending money from Germany to Kenya, across app, online, broker, multi-currency account, global account, in person, and bank, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7,000 with Revolut to Kenya gets you 998,811.11 KES with a €31 fee and 0.73% markup.

In our comparisons over the past month, it was the cheapest online service on 0 of the 29 days it quoted.

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For paying in cash at a counter

In-person transfers

There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.

Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to Kenya.

For Euro transfers only

Banks

Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.

Outside the eurozone, banks like Deutsche Bank are much more expensive.

On a €7,000 transfer, Deutsche Bank delivers 988,721.14 KES vs 998,811.11 KES with Revolut.

We found Deutsche Bank was the cheapest bank on 22 of the 22 days it appeared for this amount.

For large transfers from Germany

Currency brokers

For buying property, moving to Kenya, or moving pensions, a currency broker is the best option.

A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/KES which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to Kenya.

Be it overseas suppliers and contractors, receiving KES payments, or holding KES and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and KES in one account.

You get KES bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert KES to EUR or EUR to KES whenever you need.

The best multi-currency account is Revolut, it adds ~0.73% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 17% of days.

Ways to fund EUR and receive KES in Kenya

With Revolut, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 998,811.11 KES.

Our data shows that Revolut gets your recipient 10,089.97 KES more than Deutsche Bank, today's cheapest bank, on the same €7,000.

You can pay for the transfer using bank transfer, debit card, credit card, and iDEAL.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Kenya.

The recipient in Kenya can receive KES by bank deposit, mobile money, card deposit, mobile wallet, and cash pickup.

To receive KES by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

They can receive cash in Kenya

For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.

  1. 1
    Debit card Mobile money

    You pay €7,000.00

    KSh1,017,450

    Cheapest

  2. 2
    Debit card Mobile wallet

    You pay €7,000.99

    KSh1,008,272

    -KSh9,178

  3. 3
    Credit card Mobile wallet

    You pay €7,000.99

    KSh1,008,272

    -KSh9,178

  4. 4
    Bank transfer Mobile wallet

    You pay €7,001.00

    KSh1,008,272

    -KSh9,178

  5. 5
    Bank transfer Bank deposit

    You pay €7,000.00

    KSh1,008,086

    -KSh9,364

Show moreShow less
  1. 6
    Debit card Card deposit

    You pay €7,000.00

    KSh1,003,821

    -KSh13,629

  2. 7
    iDEAL Bank deposit

    You pay €7,000.00

    KSh996,163

    -KSh21,287

  3. 8
    Debit card Bank deposit

    You pay €7,001.99

    KSh995,155

    -KSh22,295

  4. 9
    Credit card Bank deposit

    You pay €7,001.99

    KSh995,155

    -KSh22,295

  5. 10
    Credit card Card deposit

    You pay €7,000.00

    KSh990,150

    -KSh27,300

  6. 11
    Debit card Cash pickup

    You pay €7,003.99

    KSh990,136

    -KSh27,314

  7. 12
    Credit card Cash pickup

    You pay €7,003.99

    KSh990,136

    -KSh27,314

  8. 13
    Bank transfer Cash pickup

    You pay €7,003.99

    KSh990,136

    -KSh27,314

Things to know before sending money from Germany to Kenya

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/KES transfer options

For a €7,000 transfer to Kenya, these are the best options:

Cheapest way to send money to Kenya

The cheapest option is Revolut, funded by bank transfer with bank deposit for the payout. Your recipient gets 998,811.11 KES, which is 0.12% more than the next best option.

Fastest way to send money to Kenya

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 998,811.11 KES in within minutes.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into KES sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 8 of them on EUR to Kenya, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 110 comparisons across 6 amounts.

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

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.