Best companies for EUR/KES transfers
6 of 6 providers Last updated on 26 September 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 = 147.5200 KES +0.10% vs mid-market	Recipient gets KES 1,021,243.00 Within a week
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 a weekAvailable via:Bank Transfer €77.261 EUR = 147.5200 KES KES 1,021,243.00You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 144.7797 KES +1.98% vs mid-market	Recipient gets KES 1,013,457.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 144.7797 KES KES 1,013,457.90You 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.
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee €0.00 1 EUR = 147.3043 KES +0.25% vs mid-market	Recipient gets KES 1,031,130.14 Minutes - 3 days
4 reviews Cheapest 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 = 147.3043 KES KES 1,031,130.14You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 147.2748 KES +0.27% vs mid-market	Recipient gets KES 1,030,923.40 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 EUR = 147.2748 KES KES 1,030,923.40You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 147.1000 KES +0.39% vs mid-market	Recipient gets KES 1,029,700.00 Minutes
0 reviews 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 = 147.1000 KES KES 1,029,700.00You pay€7,000.00
Wise Pay via Bank transfer	Fee €77.26 1 EUR = 147.5200 KES +0.10% vs mid-market	Recipient gets KES 1,021,243.00 Within a week
25 reviews 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 a weekAvailable via:Bank Transfer €77.261 EUR = 147.5200 KES KES 1,021,243.00You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €87.29 1 EUR = 147.5200 KES +0.10% vs mid-market	Recipient gets KES 1,019,763.00 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 147.5200 KES KES 1,019,763.00You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 144.7797 KES +1.98% vs mid-market	Recipient gets KES 1,013,457.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 144.7797 KES KES 1,013,457.90You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 144.7797 KES +1.98% vs mid-market	Recipient gets KES 1,013,457.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 144.7797 KES KES 1,013,457.90You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 144.7797 KES +1.98% vs mid-market	Recipient gets KES 1,013,457.90 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 144.7797 KES KES 1,013,457.90You pay€7,000.00
Wise Pay via Debit card	Fee €131.63 1 EUR = 147.5200 KES +0.10% vs mid-market	Recipient gets KES 1,013,222.00 Within a week
25 reviews 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 a weekAvailable via:Bank Transfer €131.631 EUR = 147.5200 KES KES 1,013,222.00You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €140.50 1 EUR = 146.8246 KES +0.58% vs mid-market	Recipient gets KES 1,007,143.15 Within minutes
10 reviews 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 €140.501 EUR = 146.8246 KES KES 1,007,143.15You 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 Credit card	Fee €173.16 1 EUR = 147.5200 KES +0.10% vs mid-market	Recipient gets KES 1,007,095.00 Within a week
25 reviews 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 a weekAvailable via:Bank Transfer €173.161 EUR = 147.5200 KES KES 1,007,095.00You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €291.00 1 EUR = 146.8246 KES +0.58% vs mid-market	Recipient gets KES 985,046.06 Within minutes
10 reviews 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 €291.001 EUR = 146.8246 KES KES 985,046.06You 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 = 147.6735 KES Updates every 60 minutes.

Why compare

EUR/KES exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Kenya

Pick a company

For a one-off transfer to Kenya, start with Key Currency.

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

The cheapest option depends on the amount, so I suggest 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.

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.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Ways to send money from Finland to Kenya

6 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

Online transfers

Companies like Wise will get you 1,021,243 KES on €7,000 transfer.

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

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

TapTap Send charges €0 on a €7,000 transfer, and 1,029,700 KES arrives in minutes.

In Kenya they can receive money via bank deposit and mobile money.

Moving money between your own accounts

Multi-currency 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 1,021,243 KES (€77.26 in fees and 0.1% markup).

This is especially useful travel since you are spending in KES (no extra fees from Wise, only local ATMs).

For freelancers and SMEs

Global accounts

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

Currency brokers are good for sending €10,000+ to Kenya. They charge no fees and add a markup on the rate.

Key Currency charges no fee but adds 0.25% markup on top of the EUR/KES rate.

Ways to fund EUR and receive KES in Kenya

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 1,031,130.14 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.

1

Bank transfer Bank deposit

You pay €7,000.00

KSh1,031,130

Cheapest
2

Debit card Mobile money

You pay €7,000.00

KSh1,029,700

-KSh1,430
3

Ideal Bank deposit

You pay €7,000.00

KSh1,019,763

-KSh11,367
4

Debit card Bank deposit

You pay €7,000.00

KSh1,013,458

-KSh17,672
5

Credit card Bank deposit

You pay €7,000.00

KSh1,013,458

-KSh17,672

What to consider before sending money from Finland to Kenya

For a transfer from Finland, compare the KES received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/KES transfer options

For a €7,000 transfer to Kenya, these are the current cheapest, fastest and easiest options.

Cheapest

Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 1,031,130.14 KES, which is 0.02% more than the next best option.

Fastest

Revolut delivers 1,007,143.15 KES in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

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.

Large transfers may take longer

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.

Safety measures in Finland

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.

Live EUR-KES Exchange Rate

Finding the best rate to send money from Finland to Kenya

The exchange rate has a direct impact on how much KES your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 147.67349 KES

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 6 of them on EUR to Kenya, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

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.

Send money from Finland

Send money to Kenya

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

Best companies for EUR/KES transfers