Key Currency is the cheapest way to send money from Kenya to Germany, giving your recipient 6,627.39 EUR from KSh1,000,000.
Use bank transfer to deposit KES and bank deposit to withdraw EUR to get the most of your transfer.
| 2 of 2 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze KES/EUR exchange rates from our comparisons. | |||
| Based on 1,000,000 KES transfer Best companies for KES/EUR transfersAll money transfer offers for KES/EUR transfers, sorted by most EUR received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Key Currency Pay via Bank transfer | Fee Ksh 0.00 1 KES = 0.0066 EUR +0.25% vs mid-market | Recipient gets €6,627.39 Minutes - 3 days | |
Ways to receive money in Germany with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 KES = 0.0066 EUR €6,627.39You payKsh 1,000,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee Ksh 0.00 1 KES = 0.0066 EUR +0.27% vs mid-market | Recipient gets €6,626.06 Minutes - 24 hours | |
Ways to receive money in Germany with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 KES = 0.0066 EUR €6,626.06You payKsh 1,000,000.00 | |||
Run a live search Showing top Kenya to Germany deals for 1,000,000 KES. 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 KES to EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much KES you're planning to spend in Germany. | |||
Run a live search These are managed services with real human support for large KES 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 Ksh 0.00 1 KES = 0.0066 EUR +0.25% vs mid-market | Recipient gets €6,627.39 Minutes - 3 days | |
Ways to receive money in Germany with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 KES = 0.0066 EUR €6,627.39You payKsh 1,000,000.00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee Ksh 0.00 1 KES = 0.0066 EUR +0.27% vs mid-market | Recipient gets €6,626.06 Minutes - 24 hours | |
Ways to receive money in Germany with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 KES = 0.0066 EUR €6,626.06You payKsh 1,000,000.00 | |||
| How Our Results Work Mid-market rate: 1 KES = 0.006644 EUR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest option, which is Key Currency. It will get you the most EUR on a KES 1,000,000 transfer.
This heavily depends on how much you send, so I suggest to get the best KES/EUR rate.
You have 1 ways to pay, including bank transfer.
Paying from your M-Pesa balance is quickest way to fund the transfer (but you'll need to top it up with cash first).
You'll need your ID and your KRA PIN to register.
Nobody legitimate will ask for your PIN to reverse a transfer or verify anything, so treat that as the end of the conversation.
You have 2 companies sending money from Kenya to Germany.
Paying from business accounts
Global accounts help Kenyan businesses pay suppliers and contractors in Germany.
Payoneer and Veem specialise in recurring business payments, invoicing, and getting paid into Kenyan accounts from Germany.
Currency brokers have no fees and add markup instead.
Usually the more KES you send to Germany, the better rate you will get.
The availability also depends on wherever you live in Kenya or just need to send KES from somewhere else.
Key Currency charges no fee and adds 0.25% on EUR/EUR rate.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KSh1,000,000 gives your recipient 6,627.39 EUR.
Fund the transfer using bank transfer.
In Germany, they can receive EUR with bank deposit.
You pay KSh1,000,000.00
€6,627
Cheapest
Mobile money is the natural starting point for this route, but the registered recipient name and the tax added to the transfer fee both matter.
There are 2 companies available for a KSh1,000,000 payment to Germany.
Cheapest option
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 6,627.39 EUR, which is 0.02% more than the next best option.
Fastest option
Regency FX sends bank transfer to bank deposit in minutes - 24 hours, giving the recipient 6,626.06 EUR.
Kenya charges 15% excise duty on fees for money-transfer services.
It applies to the fee charged by the bank, mobile operator or money transfer company, not to the KSh1,000,000 being sent.
Use the Central Bank of Kenya's directory to check a money-remittance company.
A legitimate company should also display its CBK licence or authorisation at its premises.
The rate determines how much EUR reaches the recipient for your KES. A recent high and low help you judge the quote before sending.
Mid-market rate:1 KES = 0.006647 EUR
Only companies licensed by the Central Bank of Kenya appear here, which is the same check worth doing yourself before signing up anywhere.
We track 2 of them on KES to Germany in real time on live comparisons, comparing rates, fees and how the money is sent and collected, and each goes through our review.
More on who we are, why you can trust us and getting 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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