The Best International Money Transfer Apps in Kenya in 2026

Apps that send from your Kenyan wallet or bank account

These apps cover different receiving methods, from regional mobile wallets to foreign bank payments and overseas cash collection.

Sending from your M-PESA balance

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My OneApp

Fees

Exchange Rate Markup

Transfer Speed

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App orders with M-PESA or branch funding

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Mukuru

Fees

Exchange Rate Markup

Transfer Speed

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Overseas cash collection through your bank

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KCB

Fees

Exchange Rate Markup

Transfer Speed

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Regional Equity-to-Equity payments

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Equity Bank

Fees

Exchange Rate Markup

Transfer Speed

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Scheduled overseas bank payments

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Standard Chartered

Fees

Exchange Rate Markup

Transfer Speed

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Bank or wallet transfers with corridor pricing

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Prime Bank

Fees

Exchange Rate Markup

Transfer Speed

Visit

My OneApp

My OneApp sends abroad from the M-PESA balance you already use

You can use M-PESA Global inside My OneApp after opting into the service with an active registered M-PESA account.

The app combines your M-PESA balance and payment history with Safaricom services, so international sending sits beside familiar local transactions.

I like it for a supported overseas wallet because you do not first need to move the money into a bank account.

Direct mobile destinations include Uganda, Tanzania and Rwanda, alongside other supported countries in Africa and beyond.

Partner routes extend to foreign bank accounts and cash collection, with the country and receiving method determining the available service.

You enter the destination and recipient details, then use the Global cost estimator to check the fee and exchange rate.

GlobalPay card spending and PayPal account top-ups are separate functions, so they should not be confused with an unrestricted overseas wallet payment.

There is no compulsory paid app subscription for Global sending, but transfer charges and the exchange rate still affect what arrives.

I'd say include the recipient's wallet withdrawal charge when deciding how much support the payment will provide.

Mukuru

Mukuru gives you an app order with M-PESA or branch payment

Mukuru lets you register in Kenya, create the order on your phone and choose an available bank, wallet or cash receiving method.

I like it when you want the convenience of mobile setup without making branch funding unavailable.

You enter your personal details and accepted Kenyan or foreign identification, then add the recipient and choose the delivery route.

You can pay through M-PESA or at a Mukuru branch, with the quote showing the receiving amount and charges.

That separates how you pay from how your family receives the money, rather than requiring both ends to use the same wallet.

The Core tier has a USD7,500 monthly limit, while higher limits require additional checks and evidence of income.

These limits are measured in dollars, so the available KES amount changes with the exchange rate and your remaining allowance.

The transfer's fee and rate depend on the destination and amount, rather than a single fixed Kenyan tariff.

I suggest comparing the amount received for the same KES payment, including any recipient wallet or bank deductions.

KCB Mobile

KCB Mobile adds Western Union to your bank payments

If you already have a KCB account, you can use its Western Union service through KCB Mobile to arrange an overseas payment.

I like it for a recipient who needs cash collection while your sending money is already in the bank.

The current app also manages your bank balance, accepts mobile-money account funding and provides transaction notifications.

You select the Western Union service, enter the receiving country and recipient, then check the available payout and quote before confirming.

For cash collection, share the transfer reference and make sure the recipient's name matches their identification.

Collection still follows the receiving agent's opening hours, even when you submit the order from your phone.

Western Union's fee and exchange-rate cost depend on the route and receiving method, with underlying KCB account charges considered separately.

I suggest comparing its cash-collection quote with Mukuru rather than judging the price against an unrelated bank-deposit transfer.

Equity Mobile

Equity Mobile suits payments to another regional Equity account

Equity's Borderless Banking lets you send from Kenya to Equity account holders in Uganda, Tanzania, Rwanda and South Sudan through the mobile app.

I think this route is worth considering when your recipient already has the matching regional bank account.

The app keeps saved favourites, downloadable receipts and account statements together, with biometric access and a choice of supported languages including Swahili.

That helps when you repeat a family payment or need to retrieve evidence of an earlier transfer.

Both you and the recipient need the required account verification, and the regional service does not cover every overseas bank.

The Kenya Borderless transfer fee is USD6, while the exchange rate determines the recipient's converted amount.

That fixed fee has more impact on a small payment, so a supported wallet route can deserve a separate quote.

For other international bank payments, use the app's available service and its separate tariff rather than applying the Borderless price to SWIFT.

The cost of the underlying Equity account also depends on the account you hold.

SC Mobile Kenya

SC Mobile Kenya schedules overseas bank payments

You need a bank account first, and the transfer charge sits alongside the exchange cost and any applicable correspondent-bank charges.

Inside the app, add an international payee under Transfers, enter their bank details and confirm the addition with an OTP.

You can then pay from your account or set a future date, which helps when rent or another regular bill needs paying abroad.

Supported Visa-card recipients are another delivery option, although that does not mean you can fund the transfer with a credit card.

A KES telegraphic or SWIFT transfer costs KES1,400 before applicable extra charges, so I'd say compare the final foreign amount before sending a small payment.

Foreign-currency accounts use a separate 0.25% tariff with currency-specific minimums and maximums, which can change the calculation when you already hold the payment currency.

Hifadhi has no monthly maintenance charge and supports separate foreign-currency accounts, although other banking plans can have different account costs.

I'd say consider these multi-currency bank accounts in Kenya when you want to keep foreign income between international payments, rather than convert it immediately into shillings.

For repeated bank payments, I suggest using scheduling and saved payees, then comparing a wallet-funded service when the recipient needs cash or mobile money.

PrimeMobi

PrimeMobi keeps bank and wallet recipients beside your Prime account

You need an individual Prime Bank account and PrimeMobi registration before using Prime Remit, rather than a standalone remittance signup.

Open Prime Remit inside the app, choose a supported destination and recipient, then review the conversion and delivery option before confirming.

You can keep several beneficiaries, which saves entering the same bank or wallet information when you send another payment.

The service uses a login PIN and a separate transaction PIN, with both the daily and individual transfer limits set at US$5,000 equivalent.

Each transfer combines a destination-dependent flat charge with 0.5% of the sending amount, and some corridors add another percentage component.

For example, the Uganda bank or wallet route costs US$1.10 plus 0.5%, with the exchange rate determining the full KES payment.

That percentage component grows with the amount, so I suggest comparing the final recipient amount even when the flat fee looks low.

Recipient-bank charges can also apply, and the bank can request supporting documents when it needs to check the payment's purpose.

I like this when its supported bank or wallet route fits the recipient, but suggest confirming the app's total against another local service.

Cheapest apps for sending abroad from Kenya

I suggest comparing the final amount received for the same KES budget, because a low sending fee can be offset by the exchange rate.

These cost structures help narrow the choice before you request a destination-specific quote inside the app.

For a small regional payment, my suggestion is to get a wallet-route quote before paying a fixed international bank fee.

The cheapest way to send money abroad from Kenya can change for a larger bank payment, where the exchange-rate difference has more impact.

Wallet sending or a bank payment?

M-PESA Global suits money already in your wallet, while Mukuru gives you another quote funded through M-PESA or a branch.

For an Equity recipient in the regional network, Borderless avoids treating the payment as an unrelated global-bank transfer.

Tuition, rent or a supplier invoice can require bank details and supporting documents, making a banking app more suitable than cash collection.

For an urgent personal payment abroad, compare fast transfer routes from Kenya before funding, allowing for checks and the recipient’s access to the money.

Do you need a new app for a local payment?

For a payment inside Kenya, the M-PESA or banking app you already use can cover the transfer without an international service.

PesaLink and local mobile-money transfers are different payment routes, so their domestic fees should not be treated as overseas sending prices.

Receiving money from abroad into M-PESA also does not establish that a global remittance app accepts you as a KES-funded sender.

How to send abroad from your phone

Choose the route that fits your recipient, then check its current quote in the official app before confirming the payment.

Enter your destination and KES amount below to compare available transfer prices from Kenya before choosing how to send.