Best companies for KES/PHP transfers
4 of 4 providers Last updated on 10 November 2026
Based on 33,000 KES transfer Best companies for KES/PHP transfers Sort Cheapest
Run a live search Showing top Kenya to Philippines deals for 33,000 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 PHP rates.
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much KES you're planning to spend in Philippines.
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.
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee Ksh 1,320.00 1 KES = 0.4558 PHP +6.00% vs mid-market	Recipient gets ₱14,439.64 Minutes
0 reviews Fastest
Ways to receive money in Philippines with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Ksh 1,320.001 KES = 0.4558 PHP ₱14,439.64You payKsh 33,000.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee Ksh 1,320.00 1 KES = 0.4558 PHP +6.00% vs mid-market	Recipient gets ₱14,439.64 Minutes - 3 days
0 reviews Cheapest
Ways to receive money in Philippines with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Ksh 1,320.001 KES = 0.4558 PHP ₱14,439.64You payKsh 33,000.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee Ksh 990.00 1 KES = 0.4510 PHP +7.00% vs mid-market	Recipient gets ₱14,434.84 Minutes - 5 days
0 reviews Our top pick
Ways to receive money in Philippines with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days Ksh 990.001 KES = 0.4510 PHP ₱14,434.84You payKsh 33,000.00
Mukuru Pay via Cash deposit	Fee Ksh 74,074.00 1 KES = 0.4833 PHP +0.34% vs mid-market	Recipient gets ₱0.00 Minutes - 2 days
0 reviews
Ways to receive money in Philippines with Mukuru when paying by cash deposit. MethodFee & ratesRecipient gets Bank depositMinutes - 2 daysAvailable via:Bank Top-Up PHP Ksh 74,074.001 KES = 0.4833 PHP ₱0.00You payKsh 33,000.00 Mobile walletMinutes - 2 daysAvailable via:Coins Top-Up PHP, PayMaya Top-Up PHP, GrabPay Top-Up PHP, GCash Top-Up PHP Ksh 74,074.001 KES = 0.4834 PHP ₱0.00You payKsh 33,000.00

Mukuru Pay via Mobile money	Fee Ksh 74,074.00 1 KES = 0.4833 PHP +0.34% vs mid-market	Recipient gets ₱0.00 Minutes - 2 days
0 reviews
Ways to receive money in Philippines with Mukuru when paying by mobile money. MethodFee & ratesRecipient gets Bank depositMinutes - 2 daysAvailable via:Bank Top-Up PHP Ksh 74,074.001 KES = 0.4833 PHP ₱0.00You payKsh 33,000.00 Mobile walletMinutes - 2 daysAvailable via:Coins Top-Up PHP, PayMaya Top-Up PHP, GrabPay Top-Up PHP, GCash Top-Up PHP Ksh 74,074.001 KES = 0.4834 PHP ₱0.00You payKsh 33,000.00
How Our Results Work Mid-market rate: 1 KES = 0.4849 PHP Updates every 60 minutes.

Why compare

KES/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Kenya to Philippines

Pick a company

Start with the cheapest option, which is PayPal App (P2P Transfer). It will get you the most PHP on a KES 33,000 transfer.

PayPal App (P2P Transfer) was the cheapest on 30 of the 30 days it quoted KSh33,000 transfers to the Philippines.

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

Fund your transfer

You have 1 ways to pay, including bank transfer.

Paying from your M-Pesa balance is the 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.

Compare amounts

How much KES are you sending to Philippines?

How much KES you send to the Philippines 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.

Our analysis shows PayPal App (P2P Transfer) was the cheapest in 100% of all the transfers it quoted over the past month.


Ksh 33,000This page	6.00%	Ksh 1,320.00	₱14,439.64with bank transfer to bank deposit	+₱5,776.82
Ksh 270,000	0.27%	Ksh 0.00	₱130,430.83with bank transfer to bank deposit	₱0.00
Ksh 1,000,000	0.27%	Ksh 0.00	₱483,118.05with bank transfer to bank deposit	₱0.00

Mid-market rate: 1 KES = 0.4849 PHP

KES/PHP Exchange Rate History

Is today a good time to send money from Kenya to Philippines?

The cheapest way to send KES to PHP can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's PayPal App (P2P Transfer)), across 30 days of comparisons for 33,000 KES transfers to the Philippines.

Each line shows what the recipient gets when you send Ksh 33,000, after fees, as quoted by each company. The mid-market line shows what Ksh 33,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more PHP per KES than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PHP on every transfer from Kenya.

Right now, PayPal App (P2P Transfer) pays 14,439.64 PHP on 33,000 KES, which is 1,561.73 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 14,691.54 PHP.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the Philippines.

We've tracked 90 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

PayPal App (P2P Transfer)Appeared in 30 comparisons
Cheapest every time
MoneyGram AgentAppeared in 30 comparisons
Never the cheapest
Western Union AgentAppeared in 30 comparisons
Never the cheapest

Based on 90 comparisons across 3 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today PayPal App (P2P Transfer) is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Kenya to Philippines

You have 3 companies sending money from Kenya to the Philippines.

Everyday transfers abroad

Online transfers and apps

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

In our comparisons over the past month, it was the cheapest online service on of the days it quoted.

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 the Philippines.

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

Ways to fund KES and receive PHP in Philippines

With PayPal App (P2P Transfer), paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KSh33,000 gives your recipient 14,439.64 PHP.

Fund the transfer using bank transfer.

In the Philippines, they can receive PHP with bank deposit.

1

Bank transfer Bank deposit

You pay KSh33,000.00

₱14,440

Cheapest

Consider this before sending KES to Philippines

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/PHP transfer services

There are 3 companies available for a KSh33,000 payment to the Philippines.

Cheapest option

PayPal App (P2P Transfer) is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 14,439.64 PHP, which is 0% more than the next best option.

Fastest option

PayPal App (P2P Transfer) sends bank transfer to bank deposit in minutes, giving the recipient 14,439.64 PHP.

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 KSh33,000 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.

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.

In the past 30 days alone, we analysed 90 comparisons across 3 amounts.

This page covers the cheapest and fastest options for KES/PHP transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

We track 3 of them on KES to the Philippines 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.

Send money from Kenya

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Send money to Philippines

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Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4839	–	₱15,968.17
PayPal App (P2P Transfer) Cheapest	0.4549	Ksh 1,320.00	₱14,409.68	−₱1,558.49
MoneyGram Agent	0.4549	Ksh 1,320.00	₱14,409.68	−₱1,558.49
Western Union Agent	0.4500	Ksh 990.00	₱14,404.89	−₱1,563.28

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4842	–	₱15,978.86
PayPal App (P2P Transfer) Cheapest	0.4552	Ksh 1,320.00	₱14,419.33	−₱1,559.53
MoneyGram Agent	0.4552	Ksh 1,320.00	₱14,419.33	−₱1,559.53
Western Union Agent	0.4503	Ksh 990.00	₱14,414.53	−₱1,564.33

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4839	–	₱15,968.44
PayPal App (P2P Transfer) Cheapest	0.4549	Ksh 1,320.00	₱14,409.92	−₱1,558.52
MoneyGram Agent	0.4549	Ksh 1,320.00	₱14,409.92	−₱1,558.52
Western Union Agent	0.4500	Ksh 990.00	₱14,405.13	−₱1,563.31

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4861	–	₱16,042.03
PayPal App (P2P Transfer) Cheapest	0.4570	Ksh 1,320.00	₱14,476.32	−₱1,565.71
MoneyGram Agent	0.4570	Ksh 1,320.00	₱14,476.32	−₱1,565.71
Western Union Agent	0.4521	Ksh 990.00	₱14,471.51	−₱1,570.52

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4851	–	₱16,009.79
PayPal App (P2P Transfer) Cheapest	0.4560	Ksh 1,320.00	₱14,447.23	−₱1,562.56
MoneyGram Agent	0.4560	Ksh 1,320.00	₱14,447.23	−₱1,562.56
Western Union Agent	0.4512	Ksh 990.00	₱14,442.43	−₱1,567.35

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4841	–	₱15,976.69
PayPal App (P2P Transfer) Cheapest	0.4551	Ksh 1,320.00	₱14,417.36	−₱1,559.33
MoneyGram Agent	0.4551	Ksh 1,320.00	₱14,417.36	−₱1,559.33
Western Union Agent	0.4503	Ksh 990.00	₱14,412.57	−₱1,564.12

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4854	–	₱16,017.34
PayPal App (P2P Transfer) Cheapest	0.4563	Ksh 1,320.00	₱14,454.05	−₱1,563.29
MoneyGram Agent	0.4563	Ksh 1,320.00	₱14,454.05	−₱1,563.29
Western Union Agent	0.4514	Ksh 990.00	₱14,449.24	−₱1,568.10

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4859	–	₱16,035.06
PayPal App (P2P Transfer) Cheapest	0.4568	Ksh 1,320.00	₱14,470.04	−₱1,565.02
MoneyGram Agent	0.4568	Ksh 1,320.00	₱14,470.04	−₱1,565.02
Western Union Agent	0.4519	Ksh 990.00	₱14,465.23	−₱1,569.83

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4874	–	₱16,084.20
PayPal App (P2P Transfer) Cheapest	0.4582	Ksh 1,320.00	₱14,514.38	−₱1,569.82
MoneyGram Agent	0.4582	Ksh 1,320.00	₱14,514.38	−₱1,569.82
Western Union Agent	0.4533	Ksh 990.00	₱14,509.56	−₱1,574.64

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4892	–	₱16,143.60
PayPal App (P2P Transfer) Cheapest	0.4598	Ksh 1,320.00	₱14,567.98	−₱1,575.62
MoneyGram Agent	0.4598	Ksh 1,320.00	₱14,567.98	−₱1,575.62
Western Union Agent	0.4550	Ksh 990.00	₱14,563.14	−₱1,580.46

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4885	–	₱16,120.57
PayPal App (P2P Transfer) Cheapest	0.4592	Ksh 1,320.00	₱14,547.20	−₱1,573.37
MoneyGram Agent	0.4592	Ksh 1,320.00	₱14,547.20	−₱1,573.37
Western Union Agent	0.4543	Ksh 990.00	₱14,542.36	−₱1,578.21

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4903	–	₱16,179.80
PayPal App (P2P Transfer) Cheapest	0.4609	Ksh 1,320.00	₱14,600.65	−₱1,579.15
MoneyGram Agent	0.4609	Ksh 1,320.00	₱14,600.65	−₱1,579.15
Western Union Agent	0.4560	Ksh 990.00	₱14,595.80	−₱1,584.00

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4920	–	₱16,234.58
PayPal App (P2P Transfer) Cheapest	0.4624	Ksh 1,320.00	₱14,650.09	−₱1,584.49
MoneyGram Agent	0.4624	Ksh 1,320.00	₱14,650.09	−₱1,584.49
Western Union Agent	0.4575	Ksh 990.00	₱14,645.22	−₱1,589.36

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4933	–	₱16,280.52
PayPal App (P2P Transfer) Cheapest	0.4637	Ksh 1,320.00	₱14,691.54	−₱1,588.98
MoneyGram Agent	0.4637	Ksh 1,320.00	₱14,691.54	−₱1,588.98
Western Union Agent	0.4588	Ksh 990.00	₱14,686.65	−₱1,593.87

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4930	–	₱16,270.35
PayPal App (P2P Transfer) Cheapest	0.4635	Ksh 1,320.00	₱14,682.37	−₱1,587.98
MoneyGram Agent	0.4635	Ksh 1,320.00	₱14,682.37	−₱1,587.98
Western Union Agent	0.4585	Ksh 990.00	₱14,677.49	−₱1,592.86

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4914	–	₱16,216.73
PayPal App (P2P Transfer) Cheapest	0.4619	Ksh 1,320.00	₱14,633.98	−₱1,582.75
MoneyGram Agent	0.4619	Ksh 1,320.00	₱14,633.98	−₱1,582.75
Western Union Agent	0.4570	Ksh 990.00	₱14,629.11	−₱1,587.62

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4902	–	₱16,177.26
PayPal App (P2P Transfer) Cheapest	0.4608	Ksh 1,320.00	₱14,598.36	−₱1,578.90
MoneyGram Agent	0.4608	Ksh 1,320.00	₱14,598.36	−₱1,578.90
Western Union Agent	0.4559	Ksh 990.00	₱14,593.51	−₱1,583.75

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4913	–	₱16,212.34
PayPal App (P2P Transfer) Cheapest	0.4618	Ksh 1,320.00	₱14,630.01	−₱1,582.33
MoneyGram Agent	0.4618	Ksh 1,320.00	₱14,630.01	−₱1,582.33
Western Union Agent	0.4569	Ksh 990.00	₱14,625.15	−₱1,587.19

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4895	–	₱16,152.08
PayPal App (P2P Transfer) Cheapest	0.4601	Ksh 1,320.00	₱14,575.64	−₱1,576.44
MoneyGram Agent	0.4601	Ksh 1,320.00	₱14,575.64	−₱1,576.44
Western Union Agent	0.4552	Ksh 990.00	₱14,570.79	−₱1,581.29

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4885	–	₱16,119.02
PayPal App (P2P Transfer) Cheapest	0.4591	Ksh 1,320.00	₱14,545.80	−₱1,573.22
MoneyGram Agent	0.4591	Ksh 1,320.00	₱14,545.80	−₱1,573.22
Western Union Agent	0.4543	Ksh 990.00	₱14,540.96	−₱1,578.06

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4884	–	₱16,116.54
PayPal App (P2P Transfer) Cheapest	0.4591	Ksh 1,320.00	₱14,543.57	−₱1,572.97
MoneyGram Agent	0.4591	Ksh 1,320.00	₱14,543.57	−₱1,572.97
Western Union Agent	0.4542	Ksh 990.00	₱14,538.73	−₱1,577.81

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4857	–	₱16,029.02
PayPal App (P2P Transfer) Cheapest	0.4566	Ksh 1,320.00	₱14,464.59	−₱1,564.43
MoneyGram Agent	0.4566	Ksh 1,320.00	₱14,464.59	−₱1,564.43
Western Union Agent	0.4517	Ksh 990.00	₱14,459.78	−₱1,569.24

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4854	–	₱16,016.95
PayPal App (P2P Transfer) Cheapest	0.4562	Ksh 1,320.00	₱14,453.69	−₱1,563.26
MoneyGram Agent	0.4562	Ksh 1,320.00	₱14,453.69	−₱1,563.26
Western Union Agent	0.4514	Ksh 990.00	₱14,448.89	−₱1,568.06

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4856	–	₱16,025.86
PayPal App (P2P Transfer) Cheapest	0.4565	Ksh 1,320.00	₱14,461.73	−₱1,564.13
MoneyGram Agent	0.4565	Ksh 1,320.00	₱14,461.73	−₱1,564.13
Western Union Agent	0.4516	Ksh 990.00	₱14,456.92	−₱1,568.94

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.4847	–	₱15,993.98
PayPal App (P2P Transfer) Cheapest	0.4556	Ksh 1,320.00	₱14,432.97	−₱1,561.01
MoneyGram Agent	0.4556	Ksh 1,320.00	₱14,432.97	−₱1,561.01
Western Union Agent	0.4507	Ksh 990.00	₱14,428.17	−₱1,565.81

How to send money to the Philippines from Kenya with the best KES-PHP rate

Best companies for KES/PHP transfers