We’ve compared and analysed 7 money transfer companies in Finland.
| 7 of 7 providers Last updated on 28 October 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/KES transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €77.26 1 EUR = 144.3870 KES +0.02% vs mid-market | Recipient gets KES 999,554.00 Within minutes | |
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 = 144.3870 KES KES 999,554.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 141.3316 KES +2.16% vs mid-market | Recipient gets KES 989,321.20 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 = 141.3316 KES KES 989,321.20You pay€7,000.00 | |||
Run a live search Showing top Finland 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. | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 145.3200 KES -0.62% vs mid-market | Recipient gets KES 1,017,240.00 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 = 145.3200 KES KES 1,017,240.00You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 144.0620 KES +0.25% vs mid-market | Recipient gets KES 1,008,433.78 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 = 144.0620 KES KES 1,008,433.78You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 144.0331 KES +0.27% vs mid-market | Recipient gets KES 1,008,231.59 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 = 144.0331 KES KES 1,008,231.59You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 142.8973 KES +1.06% vs mid-market | Recipient gets KES 1,000,281.31 Minutes - 2 days | |
Ways to receive money in Kenya with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 EUR = 142.8973 KES KES 1,000,281.31You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €77.26 1 EUR = 144.3870 KES +0.02% vs mid-market | Recipient gets KES 999,554.00 Within minutes | |
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 = 144.3870 KES KES 999,554.00You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €87.29 1 EUR = 144.3870 KES +0.02% vs mid-market | Recipient gets KES 998,105.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €87.291 EUR = 144.3870 KES KES 998,105.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 143.5226 KES +0.63% vs mid-market | Recipient gets KES 994,539.61 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 143.5226 KES KES 994,539.61You 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 Debit card | Fee €131.63 1 EUR = 144.3870 KES +0.02% vs mid-market | Recipient gets KES 991,703.00 Within minutes | |
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 = 144.3870 KES KES 991,703.00You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 141.3316 KES +2.16% vs mid-market | Recipient gets KES 989,321.20 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 = 141.3316 KES KES 989,321.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 141.3316 KES +2.16% vs mid-market | Recipient gets KES 989,321.20 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 = 141.3316 KES KES 989,321.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 141.3316 KES +2.16% vs mid-market | Recipient gets KES 989,321.20 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 = 141.3316 KES KES 989,321.20You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €173.16 1 EUR = 144.3870 KES +0.02% vs mid-market | Recipient gets KES 985,707.00 Within minutes | |
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 = 144.3870 KES KES 985,707.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 143.5226 KES +0.63% vs mid-market | Recipient gets KES 972,939.46 Within minutes | |
Ways to receive money in Kenya with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 143.5226 KES KES 972,939.46You 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 = 144.4230 KES Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to Kenya, start with Wise.
Wise was the cheapest on 0 of the 30 days it quoted €7,000 transfers to Kenya.
On a 7,000 EUR transfer, Wise delivers the most KES.
The cheapest option depends on the amount, so I suggest to get the best EUR/KES rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.
Select how you want the recipient to pick up the money. For transfers to Kenya they can receive it via bank deposit and mobile money.
If it's your first time using the service, you will need to verify your account.
This usually takes a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
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 Wise was the cheapest in 0% of the transfers from €2,000 it quoted, and in 0% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | €0.00 | KES 72,660.00with debit card to mobile money | +KES 1,343.04 | ||
| €2,000 | -0.57% | €0.00 | KES 290,640.00with debit card to mobile money | +KES 5,990.76 | |
| €7,000This page | -0.62% | €0.00 | KES 1,017,240.00with debit card to mobile money | +KES 21,493.97 |
Mid-market rate: 1 EUR = 144.4230 KES
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 Wise), across 30 days of comparisons for 7,000 EUR transfers to Kenya.
Wed, 28 Oct 2026Mid-market rateKES 1,010,961.18 TapTap Send KES 1,017,240.00TapTap SendKES 1,017,240.00Key CurrencyKES 1,008,433.78Regency FXKES 1,008,231.59
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 147.0299 | – | KES 1,029,208.98 | |
| | 147.0500 | €0.00 | KES 1,029,350.00 | +KES 141.02 |
| | 146.6623 | €0.00 | KES 1,026,635.96 | −KES 2,573.02 |
| | 146.6329 | €0.00 | KES 1,026,430.11 | −KES 2,778.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 147.2361 | – | KES 1,030,652.63 | |
| | 146.8680 | €0.00 | KES 1,028,076.00 | −KES 2,576.63 |
| | 146.8386 | €0.00 | KES 1,027,869.87 | −KES 2,782.76 |
| | 146.0000 | €0.00 | KES 1,022,000.00 | −KES 8,652.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 146.6794 | – | KES 1,026,755.82 | |
| | 147.0000 | €0.00 | KES 1,029,000.00 | +KES 2,244.18 |
| | 146.3127 | €0.00 | KES 1,024,188.93 | −KES 2,566.89 |
| | 146.2834 | €0.00 | KES 1,023,983.58 | −KES 2,772.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 146.0986 | – | KES 1,022,690.00 | |
| | 146.0000 | €0.00 | KES 1,022,000.00 | −KES 690.00 |
| | 145.7333 | €0.00 | KES 1,020,133.28 | −KES 2,556.72 |
| | 145.7041 | €0.00 | KES 1,019,928.74 | −KES 2,761.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 144.4354 | – | KES 1,011,047.99 | |
| | 146.0000 | €0.00 | KES 1,022,000.00 | +KES 10,952.01 |
| | 144.0743 | €0.00 | KES 1,008,520.37 | −KES 2,527.62 |
| | 144.0455 | €0.00 | KES 1,008,318.16 | −KES 2,729.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.8281 | – | KES 1,020,796.77 | |
| | 145.6000 | €0.00 | KES 1,019,200.00 | −KES 1,596.77 |
| | 145.4635 | €0.00 | KES 1,018,244.78 | −KES 2,551.99 |
| | 145.4344 | €0.00 | KES 1,018,040.62 | −KES 2,756.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.2322 | – | KES 1,016,625.61 | |
| | 145.6000 | €0.00 | KES 1,019,200.00 | +KES 2,574.39 |
| | 144.8691 | €0.00 | KES 1,014,084.05 | −KES 2,541.56 |
| | 144.8401 | €0.00 | KES 1,013,880.72 | −KES 2,744.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3848 | – | KES 1,017,693.90 | |
| | 145.0214 | €0.00 | KES 1,015,149.67 | −KES 2,544.23 |
| | 145.0000 | €0.00 | KES 1,015,000.00 | −KES 2,693.90 |
| | 144.9923 | €0.00 | KES 1,014,946.13 | −KES 2,747.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.6982 | – | KES 1,019,887.68 | |
| | 145.3340 | €0.00 | KES 1,017,337.96 | −KES 2,549.72 |
| | 145.3049 | €0.00 | KES 1,017,133.98 | −KES 2,753.70 |
| | 145.0000 | €0.00 | KES 1,015,000.00 | −KES 4,887.68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.4237 | – | KES 1,017,965.87 | |
| | 145.0601 | €0.00 | KES 1,015,420.95 | −KES 2,544.92 |
| | 145.0311 | €0.00 | KES 1,015,217.36 | −KES 2,748.51 |
| | 145.0000 | €0.00 | KES 1,015,000.00 | −KES 2,965.87 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.7454 | – | KES 1,020,217.86 | |
| | 145.3810 | €0.00 | KES 1,017,667.32 | −KES 2,550.54 |
| | 145.3519 | €0.00 | KES 1,017,463.27 | −KES 2,754.59 |
| | 144.5000 | €0.00 | KES 1,011,500.00 | −KES 8,717.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3202 | – | KES 1,017,241.30 | |
| | 144.9569 | €0.00 | KES 1,014,698.20 | −KES 2,543.10 |
| | 144.9278 | €0.00 | KES 1,014,494.75 | −KES 2,746.55 |
| | 144.5000 | €0.00 | KES 1,011,500.00 | −KES 5,741.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3202 | – | KES 1,017,241.30 | |
| | 144.9569 | €0.00 | KES 1,014,698.20 | −KES 2,543.10 |
| | 144.9278 | €0.00 | KES 1,014,494.75 | −KES 2,746.55 |
| | 144.2000 | €0.00 | KES 1,009,400.00 | −KES 7,841.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3877 | – | KES 1,017,713.56 | |
| | 145.0242 | €0.00 | KES 1,015,169.27 | −KES 2,544.29 |
| | 144.9951 | €0.00 | KES 1,014,965.73 | −KES 2,747.83 |
| | 144.1000 | €0.00 | KES 1,008,700.00 | −KES 9,013.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.0068 | – | KES 1,015,047.56 | |
| | 145.0000 | €0.00 | KES 1,015,000.00 | −KES 47.56 |
| | 144.6443 | €0.00 | KES 1,012,509.94 | −KES 2,537.62 |
| | 144.6153 | €0.00 | KES 1,012,306.93 | −KES 2,740.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.2337 | – | KES 1,016,635.75 | |
 | 144.5318 | €0.00 | KES 1,011,722.30 | −KES 4,913.45 |
| | 144.5000 | €0.00 | KES 1,011,500.00 | −KES 5,135.75 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.5769 | – | KES 1,019,038.32 | |
| | 145.2130 | €0.00 | KES 1,016,490.73 | −KES 2,547.59 |
| | 145.1838 | €0.00 | KES 1,016,286.92 | −KES 2,751.40 |
| | 144.5000 | €0.00 | KES 1,011,500.00 | −KES 7,538.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 146.0959 | – | KES 1,022,671.65 | |
| | 145.7307 | €0.00 | KES 1,020,114.97 | −KES 2,556.68 |
| | 145.7015 | €0.00 | KES 1,019,910.44 | −KES 2,761.21 |
| | 145.2000 | €0.00 | KES 1,016,400.00 | −KES 6,271.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 146.1936 | – | KES 1,023,355.30 | |
| | 145.8281 | €0.00 | KES 1,020,796.91 | −KES 2,558.39 |
| | 145.7989 | €0.00 | KES 1,020,592.24 | −KES 2,763.06 |
| | 145.2000 | €0.00 | KES 1,016,400.00 | −KES 6,955.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 146.1936 | – | KES 1,023,355.30 | |
| | 145.8281 | €0.00 | KES 1,020,796.91 | −KES 2,558.39 |
| | 145.7989 | €0.00 | KES 1,020,592.24 | −KES 2,763.06 |
| | 145.2000 | €0.00 | KES 1,016,400.00 | −KES 6,955.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.5267 | – | KES 1,018,687.09 | |
| | 145.2000 | €0.00 | KES 1,016,400.00 | −KES 2,287.09 |
| | 145.1629 | €0.00 | KES 1,016,140.37 | −KES 2,546.72 |
| | 145.1338 | €0.00 | KES 1,015,936.63 | −KES 2,750.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.7851 | – | KES 1,020,495.36 | |
| | 145.4206 | €0.00 | KES 1,017,944.12 | −KES 2,551.24 |
| | 145.3914 | €0.00 | KES 1,017,740.02 | −KES 2,755.34 |
| | 145.3000 | €0.00 | KES 1,017,100.00 | −KES 3,395.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.8382 | – | KES 1,020,867.42 | |
| | 145.4736 | €0.00 | KES 1,018,315.25 | −KES 2,552.17 |
| | 145.4444 | €0.00 | KES 1,018,111.08 | −KES 2,756.34 |
| | 145.3000 | €0.00 | KES 1,017,100.00 | −KES 3,767.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.8730 | – | KES 1,021,110.85 | |
| | 145.5083 | €0.00 | KES 1,018,558.07 | −KES 2,552.78 |
| | 145.4791 | €0.00 | KES 1,018,353.85 | −KES 2,757.00 |
| | 145.3000 | €0.00 | KES 1,017,100.00 | −KES 4,010.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.4568 | – | KES 1,018,197.83 | |
| | 145.3000 | €0.00 | KES 1,017,100.00 | −KES 1,097.83 |
| | 145.0932 | €0.00 | KES 1,015,652.34 | −KES 2,545.49 |
| | 145.0641 | €0.00 | KES 1,015,448.70 | −KES 2,749.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3550 | – | KES 1,017,484.89 | |
| | 145.3000 | €0.00 | KES 1,017,100.00 | −KES 384.89 |
| | 144.9916 | €0.00 | KES 1,014,941.18 | −KES 2,543.71 |
| | 144.9625 | €0.00 | KES 1,014,737.68 | −KES 2,747.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.3550 | – | KES 1,017,484.89 | |
| | 145.3200 | €0.00 | KES 1,017,240.00 | −KES 244.89 |
| | 144.9916 | €0.00 | KES 1,014,941.18 | −KES 2,543.71 |
| | 144.9625 | €0.00 | KES 1,014,737.68 | −KES 2,747.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 145.4947 | – | KES 1,018,462.98 | |
| | 145.3200 | €0.00 | KES 1,017,240.00 | −KES 1,222.98 |
| | 145.1310 | €0.00 | KES 1,015,916.83 | −KES 2,546.15 |
| | 145.1019 | €0.00 | KES 1,015,713.13 | −KES 2,749.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 145.3200 | €0.00 | KES 1,017,240.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 144.4230 | – | KES 1,010,961.18 | |
| | 145.3200 | €0.00 | KES 1,017,240.00 | +KES 6,278.82 |
| | 144.0620 | €0.00 | KES 1,008,433.78 | −KES 2,527.40 |
| | 144.0331 | €0.00 | KES 1,008,231.59 | −KES 2,729.59 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 144.4230 | – | KES 1,010,961.18 | |
|---|---|---|---|---|
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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. 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 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, Wise pays 999,554 KES on 7,000 EUR, which is 11,407.18 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.
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 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest in 57% of them
Cheapest in 17% of them
Never the cheapest
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest in 35% of them
Cheapest in 54% of them
Never the cheapest
Based on 62 comparisons across 3 amounts over the last 30 days.
Cheapest in 36% of them
Cheapest in 55% of them
Never the cheapest
Based on 72 comparisons across 3 amounts over the last 90 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 Wise is the cheapest and gets you the most KES, but it was the cheapest in only 0% of the 62 comparisons it appeared in over the past month.
Revolut (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 Wise, since it's the cheapest right now.
7 companies send money from Finland to Kenya, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.
Usually the cheapest
Companies like Wise will get you 999,554 KES on a €7,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.
If it's the only time you send money to Kenya, then it's the best option.
For recurring transfers, an app is a bit more convenient.
For regular transfers
For the regular smaller transfer, apps are convenient and cheap.
Wise charges €77.26 on a €7,000 transfer, and 999,554 KES arrives in within minutes.
Over the past month, Wise was the cheapest app on 0% of the days it appeared for €7,000 transfers.
In Kenya they can receive money via bank deposit and mobile money.
Moving money between your own accounts
Companies like Wise let you hold EUR and KES balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to KES with Wise gets you 999,554 KES (€77.26 in fees and 0.02% markup).
This is especially useful for travel since you are spending in KES (no extra fees from Wise, only local ATMs).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For freelancers and SMEs
Global accounts are for companies and freelancers making payments to Kenya.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers are good for sending €10,000+ to Kenya. They charge no fees and add a markup on the rate.
Xe charges no fee but adds 2.16% markup on top of the EUR/KES rate.
Our analysis shows Xe was the cheapest broker in 32% of the transfers from €2,000 it quoted.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 999,554 KES.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and iDEAL.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Kenya directly.
For withdrawals in Kenya, use bank deposit and mobile money.
Receive KES
The name should match the account holder's bank record, so double check it before sending.
You pay €7,000.00
KSh1,017,240
Cheapest
You pay €7,000.00
KSh1,008,434
-KSh8,806
You pay €7,000.00
KSh998,105
-KSh19,135
You pay €7,000.00
KSh991,703
-KSh25,537
You pay €7,000.00
KSh989,321
-KSh27,919
For a transfer from Finland, compare the KES received and check whether the payment is a taxable gift rather than ordinary family support.
For a €7,000 transfer to Kenya, these are the current cheapest, fastest and easiest options.
Cheapest
Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 999,554 KES, which is 0.5% more than the next best option.
Fastest
Revolut delivers 994,539.61 KES in within minutes when you pay by bank transfer and choose bank deposit.
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Kenya.
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 7 of them on EUR to Kenya, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
In the past 30 days alone, we analysed 62 comparisons across 3 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.
Nothing appears without passing our review.
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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