MoneyTransfers

How to send money to Nigeria from Kenya with the best KES-NGN rate

Grey is the cheapest way to send money from Kenya to Nigeria, giving your recipient 304,779.53 NGN from KSh32,400.

Use bank transfer to deposit KES and bank deposit to withdraw NGN to get the most of your transfer.

Best companies for KES/NGN transfers

6 of 6 providers

Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze KES/NGN exchange rates from our comparisons.

Based on 32,400 KES transfer

Best companies for KES/NGN transfers

All money transfer offers for KES/NGN transfers, sorted by most NGN received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
Sort Cheapest

Run a live search

Showing top Kenya to Nigeria deals for 32,400 KES. Do a live search with your exact amount for today's best rates.
Mukuru

Mukuru

Pay via Cash deposit
Fee Ksh 0.00 1 KES = 10.5041 NGN -2.69% vs mid-market Recipient gets ₦340,332.84 Minutes - 2 days
0 reviews
CheapestUsing Cash deposit with Mukuru is the cheapest way to send money to Nigeria from Kenya.

Ways to receive money in Nigeria with Mukuru when paying by cash deposit.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 2 daysAvailable via:Opay NGN, Palmpay Baxi NGN
Free1 KES = 10.5041 NGN
₦340,332.84You payKsh 32,400.00
Mukuru

Mukuru

Pay via Mobile money
Fee Ksh 0.00 1 KES = 10.5041 NGN -2.69% vs mid-market Recipient gets ₦340,332.84 Minutes - 2 days
0 reviews

Ways to receive money in Nigeria with Mukuru when paying by mobile money.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 2 daysAvailable via:Opay NGN, Palmpay Baxi NGN
Free1 KES = 10.5041 NGN
₦340,332.84You payKsh 32,400.00
Grey

Grey

Pay via Bank transfer
Fee Ksh 0.50 1 KES = 9.4069 NGN +8.00% vs mid-market Recipient gets ₦304,779.53 Minutes
0 reviews
FastestGrey with Bank transfer deposit is the fastest way to send KES to Nigeria.

Ways to receive money in Nigeria with Grey when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
Ksh 0.501 KES = 9.4069 NGN
₦304,779.53You payKsh 32,400.00
Pesa

Pesa

Pay via Bank transfer
Fee Ksh 162.00 1 KES = 9.3047 NGN +9.00% vs mid-market Recipient gets ₦299,964.01 Minutes - 24 hours
0 reviews

Ways to receive money in Nigeria with Pesa when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Ksh 162.001 KES = 9.3047 NGN
₦299,964.01You payKsh 32,400.00
Send Money Between PayPal Accounts
PayPal App (P2P Transfer)

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee Ksh 1,296.00 1 KES = 9.6114 NGN +6.00% vs mid-market Recipient gets ₦298,953.58 Minutes
0 reviews

Ways to receive money in Nigeria with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
Ksh 1,296.001 KES = 9.6114 NGN
₦298,953.58You payKsh 32,400.00
Send cash via a MoneyGram agent
MoneyGram Agent

MoneyGram Agent

Pay via Bank transfer
Fee Ksh 1,296.00 1 KES = 9.6114 NGN +6.00% vs mid-market Recipient gets ₦298,953.58 Minutes - 3 days
0 reviews

Ways to receive money in Nigeria with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Ksh 1,296.001 KES = 9.6114 NGN
₦298,953.58You payKsh 32,400.00
Send cash via a Western Union agent
Western Union Agent

Western Union Agent

Pay via Bank transfer
Fee Ksh 972.00 1 KES = 9.5092 NGN +7.00% vs mid-market Recipient gets ₦298,854.20 Minutes - 5 days
0 reviews
RecommendedBased on our editorial reviews, Western Union Agent is our recommended way to send money from Kenya to Nigeria.

Ways to receive money in Nigeria with Western Union Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
Ksh 972.001 KES = 9.5092 NGN
₦298,854.20You payKsh 32,400.00
How Our Results Work
Mid-market rate: 1 KES = 10.224914 NGN Updates every 60 minutes.

How to send money from Kenya to Nigeria

Pick a company

Start with the cheapest option, which is Grey. It will get you the most NGN on a KES 32,400 transfer.

This heavily depends on how much you send, so I suggest to get the best KES/NGN rate.

Fund your transfer

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).

Verify and send

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.

Ways to send money from Kenya to Nigeria

You have 5 companies sending money from Kenya to Nigeria.

Everyday transfers abroad

Online transfers and apps

Money transfer companies like Pesa are usually cheaper than wallets like M-Pesa Global.

Depending on the company you can deposit money using bank transfer.

And withdraw to bank deposit.

Paying from business accounts

Global accounts

Global accounts help Kenyan businesses pay suppliers and contractors in Nigeria.

Payoneer and Veem specialise in recurring business payments, invoicing, and getting paid into Kenyan accounts from Nigeria.

Ways to fund KES and receive NGN in Nigeria

With Grey, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KSh32,400 gives your recipient 304,779.53 NGN.

Fund the transfer using bank transfer.

In Nigeria, they can receive NGN with bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay KSh32,400.00

    ₦304,780

    Cheapest

Consider this before sending KES to Nigeria

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.

Compare KES/NGN transfer services

There are 5 companies available for a KSh32,400 payment to Nigeria.

Cheapest option

Grey is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 304,779.53 NGN, which is 1.58% more than the next best option.

Fastest option

Grey sends bank transfer to bank deposit in minutes, giving the recipient 304,779.53 NGN.

Excise duty applies to the fee

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 KSh32,400 being sent.

Check the CBK licence when in doubt

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.

Live KES-NGN Exchange Rate

Get the best KES to NGN exchange rate

The rate determines how much NGN reaches the recipient for your KES. A recent high and low help you judge the quote before sending.

Mid-market rate:1 KES = 10.224695 NGN

How we analyse the market

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 5 of them on KES to Nigeria 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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