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.
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 305,376.49 NGN from KSh32,400.
Use bank transfer to deposit KES and bank deposit to withdraw NGN to get the most of your transfer.
| 5 of 5 providers Last updated on 28 September 2026 | |||
| Based on 32,400 KES transfer Best companies for KES/NGN transfers | |||
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. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live KES to NGN rates. | |||
Run a live search These companies offer multi-currency accounts for spending NGN. We suggest doing a live search based on how much KES you're planning to spend in Nigeria. | |||
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. | |||
 Grey Pay via Bank transfer | Fee Ksh 0.50 1 KES = 9.4253 NGN +8.00% vs mid-market | Recipient gets ₦305,376.49 Minutes | |
Ways to receive money in Nigeria with Grey when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Ksh 0.501 KES = 9.4253 NGN ₦305,376.49You payKsh 32,400.00 | |||
 Pesa Pay via Bank transfer | Fee Ksh 162.00 1 KES = 9.3229 NGN +9.00% vs mid-market | Recipient gets ₦300,551.53 Minutes - 24 hours | |
Ways to receive money in Nigeria with Pesa when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Ksh 162.001 KES = 9.3229 NGN ₦300,551.53You payKsh 32,400.00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee Ksh 1,296.00 1 KES = 9.6302 NGN +6.00% vs mid-market | Recipient gets ₦299,539.13 Minutes | |
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 = 9.6302 NGN ₦299,539.13You payKsh 32,400.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee Ksh 1,296.00 1 KES = 9.6302 NGN +6.00% vs mid-market | Recipient gets ₦299,539.13 Minutes - 3 days | |
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 = 9.6302 NGN ₦299,539.13You payKsh 32,400.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee Ksh 972.00 1 KES = 9.5278 NGN +7.00% vs mid-market | Recipient gets ₦299,439.55 Minutes - 5 days | |
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 = 9.5278 NGN ₦299,439.55You payKsh 32,400.00 | |||
| How Our Results Work Mid-market rate: 1 KES = 10.2449 NGN Updates every 60 minutes. | |||
Transfer details
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.
How much KES are you sending to Nigeria?
How much KES you send to Nigeria 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| Ksh 32,400This page | 8.00% | Ksh 0.50 | ₦305,376.49with bank transfer to bank deposit | +₦4,487.32 | |
| Ksh 1,000,000 | 0.27% | Ksh 0.00 | ₦10,211,941.11with bank transfer to bank deposit | ₦0.00 |
Mid-market rate: 1 KES = 10.2449 NGN
Ways to send money from Kenya to Nigeria
You have 5 companies sending money from Kenya to Nigeria.
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 305,376.49 NGN.
Fund the transfer using bank transfer.
In Nigeria, they can receive NGN with bank deposit.
- 1 Bank transfer Bank deposit
You pay KSh32,400.00
₦305,376
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
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 305,376.49 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 305,376.49 NGN.
Excise duty applies to the fee
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
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.
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 = 10.237965 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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