Key Currency is the best and cheapest service overall. On €7,000 you will get 1,051,150.11 KES after fees and the exchange rate.
We’ve compared 8 money transfer companies in more detail below.
| 8 of 8 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/KES exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/KES transfersAll money transfer offers for EUR/KES transfers, sorted by most KES received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €77.26 1 EUR = 150.5370 KES 0.00% vs mid-market | Recipient gets KES 1,042,129.00 Within a week | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €77.261 EUR = 150.5370 KES KES 1,042,129.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 147.8519 KES +1.80% vs mid-market | Recipient gets KES 1,034,963.30 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 147.8519 KES KES 1,034,963.30You 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. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR 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 EUR you're planning to spend in Kenya. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 150.1643 KES +0.25% vs mid-market | Recipient gets KES 1,051,150.11 Minutes - 3 days | |
Ways to receive money in Kenya with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 150.1643 KES KES 1,051,150.11You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 150.1342 KES +0.27% vs mid-market | Recipient gets KES 1,050,939.35 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 EUR = 150.1342 KES KES 1,050,939.35You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 149.5000 KES +0.69% vs mid-market | Recipient gets KES 1,046,500.00 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 EUR = 149.5000 KES KES 1,046,500.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €77.26 1 EUR = 150.5370 KES 0.00% vs mid-market | Recipient gets KES 1,042,129.00 Within a week | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €77.261 EUR = 150.5370 KES KES 1,042,129.00You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €87.29 1 EUR = 150.5370 KES 0.00% vs mid-market | Recipient gets KES 1,040,619.00 Within a week | |
Ways to receive money in Kenya with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €87.291 EUR = 150.5370 KES KES 1,040,619.00You pay€7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee €0.49 1 EUR = 148.6467 KES +1.27% vs mid-market | Recipient gets KES 1,040,454.34 Minutes - 3 days | |
Ways to receive money in Kenya with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days €0.491 EUR = 148.6467 KES KES 1,040,454.34You pay€7,000.00 Bank depositMinutes - 3 days €0.491 EUR = 148.6467 KES KES 1,040,454.34You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €82.50 1 EUR = 149.6299 KES +0.61% vs mid-market | Recipient gets KES 1,035,065.03 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €82.501 EUR = 149.6299 KES KES 1,035,065.03You 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 147.8519 KES +1.80% vs mid-market | Recipient gets KES 1,034,963.30 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 147.8519 KES KES 1,034,963.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 147.8519 KES +1.80% vs mid-market | Recipient gets KES 1,034,963.30 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 147.8519 KES KES 1,034,963.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 147.8519 KES +1.80% vs mid-market | Recipient gets KES 1,034,963.30 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 147.8519 KES KES 1,034,963.30You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €131.63 1 EUR = 150.5370 KES 0.00% vs mid-market | Recipient gets KES 1,033,944.00 Within a week | |
Ways to receive money in Kenya with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €131.631 EUR = 150.5370 KES KES 1,033,944.00You pay€7,000.00 | |||
 Deutsche Bank Pay via Bank transfer | Fee €37.05 1 EUR = 148.0784 KES +1.65% vs mid-market | Recipient gets KES 1,031,062.30 Minutes - 5 days | |
Ways to receive money in Kenya with Deutsche Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days €37.051 EUR = 148.0784 KES KES 1,031,062.30You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €173.16 1 EUR = 150.5370 KES 0.00% vs mid-market | Recipient gets KES 1,027,692.00 Within a week | |
Ways to receive money in Kenya with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €173.161 EUR = 150.5370 KES KES 1,027,692.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 149.6299 KES +0.61% vs mid-market | Recipient gets KES 1,018,830.19 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 149.6299 KES KES 1,018,830.19You 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 = 150.540653 KES Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
On a 7,000 EUR transfer, Key Currency 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.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
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.
There are 8 companies for sending money from Germany to Kenya, across app, broker, online, multi-currency account, global account, and bank, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with TapTap Send to Kenya gets you 1,046,500 KES with a €0 fee and 0.69% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For Euro transfers only
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 1,031,062.3 KES vs 1,051,150.11 KES with Key Currency.
For large transfers from Germany
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.
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 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
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 Wise, it adds ~0% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 1,051,150.11 KES.
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 and mobile money.
To receive KES by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
You pay €7,000.00
KSh1,051,150
Cheapest
You pay €7,000.00
KSh1,046,500
-KSh4,650
You pay €7,000.00
KSh1,040,619
-KSh10,531
You pay €7,000.00
KSh1,040,454
-KSh10,696
You pay €7,000.00
KSh1,034,963
-KSh16,187
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.
For a €7,000 transfer to Kenya, these are the best options:
Cheapest way to send money to Kenya
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,051,150.11 KES, which is 0.02% 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 1,035,065.03 KES in within minutes.
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.
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.
The EUR/KES rate can move noticeably within a week, changing the amount your recipient gets in KES.
Mid-market rate:1 EUR = 150.448226 KES
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.
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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