MoneyTransfers

How to send money to Saudi Arabia from Kenya with the best KES-SAR rate

Key Currency is the cheapest way to send money from Kenya to Saudi Arabia, giving your recipient 28,799.82 SAR from KSh1,000,000.

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

Best companies for KES/SAR transfers

2 of 2 providers

Last updated on 28 October 2026

Based on 1,000,000 KES transfer

Best companies for KES/SAR transfers

Sort Cheapest
Promoted

Key Currency

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.0288 SAR +0.25% vs mid-market Recipient gets SAR 28,799.82 Minutes - 3 days
4 reviews
Personal account managerReceive to bank account

Ways to receive money in Saudi Arabia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 KES = 0.0288 SAR
SAR 28,799.82You payKsh 1,000,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.0288 SAR +0.27% vs mid-market Recipient gets SAR 28,794.05 Minutes - 24 hours
9 reviews
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Saudi Arabia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 KES = 0.0288 SAR
SAR 28,794.05You payKsh 1,000,000.00

Run a live search

Showing top Kenya to Saudi Arabia deals for 1,000,000 KES. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.0288 SAR +0.25% vs mid-market Recipient gets SAR 28,799.82 Minutes - 3 days
4 reviews
CheapestRecommended
Personal account managerReceive to bank account

Ways to receive money in Saudi Arabia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 KES = 0.0288 SAR
SAR 28,799.82You payKsh 1,000,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee Ksh 0.00 1 KES = 0.0288 SAR +0.27% vs mid-market Recipient gets SAR 28,794.05 Minutes - 24 hours
9 reviews
Fastest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Saudi Arabia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 KES = 0.0288 SAR
SAR 28,794.05You payKsh 1,000,000.00
How Our Results Work
Mid-market rate: 1 KES = 0.0289 SAR Updates every 60 minutes.

How to send money from Kenya to Saudi Arabia

Pick a company

Start with the cheapest option, which is Key Currency. It will get you the most SAR on a KES 1,000,000 transfer.

Key Currency was the cheapest on 29 of the 29 days it quoted KSh1,000,000 transfers to Saudi Arabia.

This heavily depends on how much you send, so I suggest to get the best KES/SAR 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 Saudi Arabia?

How much KES you send to Saudi Arabia 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 Key Currency was the cheapest in 100% of all the transfers it quoted over the past month.

Cheapest service
Ksh 270,0000.27%Ksh 0.00SAR 7,772.51with bank transfer to bank depositSAR 0.00
Ksh 1,000,000This page0.25%Ksh 0.00SAR 28,799.82with bank transfer to bank deposit+SAR 2.89

Mid-market rate: 1 KES = 0.0289 SAR

KES/SAR Exchange Rate History

Is today a good time to send money from Kenya to Saudi Arabia?

The cheapest way to send KES to SAR 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 Key Currency), across 30 days of comparisons for 1,000,000 KES transfers to Saudi Arabia.

SAR received for Ksh 1,000,000, after fees

Wed, 28 Oct 2026Mid-market rateSAR 28,872.00 Key Currency SAR 28,799.82Key CurrencySAR 28,799.82Regency FXSAR 28,794.05

28,200
28,400
28,600
28,800
29,000
29,200
At the mid-market rateWith the cheapest optionKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 28,972.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,899.57 −SAR 72.43
Regency FX 0.0289 Ksh 0.00 SAR 28,893.78 −SAR 78.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,944.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,871.64 −SAR 72.36
Regency FX 0.0289 Ksh 0.00 SAR 28,865.85 −SAR 78.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0291 – SAR 29,141.00
Key Currency Cheapest 0.0291 Ksh 0.00 SAR 29,068.15 −SAR 72.85
Regency FX 0.0291 Ksh 0.00 SAR 29,062.32 −SAR 78.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 29,011.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,938.47 −SAR 72.53
Regency FX 0.0289 Ksh 0.00 SAR 28,932.67 −SAR 78.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0291 – SAR 29,132.00
Key Currency Cheapest 0.0291 Ksh 0.00 SAR 29,059.17 −SAR 72.83
Regency FX 0.0291 Ksh 0.00 SAR 29,053.34 −SAR 78.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,902.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,829.74 −SAR 72.26
Regency FX 0.0288 Ksh 0.00 SAR 28,823.96 −SAR 78.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,871.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,798.82 −SAR 72.18
Regency FX 0.0288 Ksh 0.00 SAR 28,793.05 −SAR 77.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,886.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,813.78 −SAR 72.22
Regency FX 0.0288 Ksh 0.00 SAR 28,808.01 −SAR 77.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,862.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,789.84 −SAR 72.16
Regency FX 0.0288 Ksh 0.00 SAR 28,784.07 −SAR 77.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,916.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,843.71 −SAR 72.29
Regency FX 0.0288 Ksh 0.00 SAR 28,837.93 −SAR 78.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 28,952.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,879.62 −SAR 72.38
Regency FX 0.0289 Ksh 0.00 SAR 28,873.83 −SAR 78.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,928.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,855.68 −SAR 72.32
Regency FX 0.0288 Ksh 0.00 SAR 28,849.89 −SAR 78.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,928.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,855.68 −SAR 72.32
Regency FX 0.0288 Ksh 0.00 SAR 28,849.89 −SAR 78.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,940.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,867.65 −SAR 72.35
Regency FX 0.0289 Ksh 0.00 SAR 28,861.86 −SAR 78.14

No data was collected on Tue, 13 Oct 2026.

Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 28,959.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,886.60 −SAR 72.40
Regency FX 0.0289 Ksh 0.00 SAR 28,880.81 −SAR 78.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0284 – SAR 28,351.00
Key Currency Cheapest 0.0283 Ksh 0.00 SAR 28,280.12 −SAR 70.88
Regency FX 0.0283 Ksh 0.00 SAR 28,274.45 −SAR 76.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,865.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,792.84 −SAR 72.16
Regency FX 0.0288 Ksh 0.00 SAR 28,787.06 −SAR 77.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0288 – SAR 28,847.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,774.88 −SAR 72.12
Regency FX 0.0288 Ksh 0.00 SAR 28,769.11 −SAR 77.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0288 – SAR 28,846.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,773.88 −SAR 72.12
Regency FX 0.0288 Ksh 0.00 SAR 28,768.12 −SAR 77.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 29,016.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,943.46 −SAR 72.54
Regency FX 0.0289 Ksh 0.00 SAR 28,937.66 −SAR 78.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 28,982.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,909.55 −SAR 72.45
Regency FX 0.0289 Ksh 0.00 SAR 28,903.75 −SAR 78.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,911.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,838.72 −SAR 72.28
Regency FX 0.0288 Ksh 0.00 SAR 28,832.94 −SAR 78.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0290 – SAR 29,031.00
Key Currency Cheapest 0.0290 Ksh 0.00 SAR 28,958.42 −SAR 72.58
Regency FX 0.0290 Ksh 0.00 SAR 28,952.62 −SAR 78.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,919.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,846.70 −SAR 72.30
Regency FX 0.0288 Ksh 0.00 SAR 28,840.92 −SAR 78.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,926.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,853.69 −SAR 72.31
Regency FX 0.0288 Ksh 0.00 SAR 28,847.90 −SAR 78.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,926.00
Key Currency Cheapest 0.0289 Ksh 0.00 SAR 28,853.69 −SAR 72.31
Regency FX 0.0288 Ksh 0.00 SAR 28,847.90 −SAR 78.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0288 – SAR 28,849.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,776.88 −SAR 72.12
Regency FX 0.0288 Ksh 0.00 SAR 28,771.11 −SAR 77.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0288 – SAR 28,818.00
Key Currency Cheapest 0.0287 Ksh 0.00 SAR 28,745.96 −SAR 72.04
Regency FX 0.0287 Ksh 0.00 SAR 28,740.19 −SAR 77.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0289 – SAR 28,872.00
Key Currency Cheapest 0.0288 Ksh 0.00 SAR 28,799.82 −SAR 72.18
Regency FX 0.0288 Ksh 0.00 SAR 28,794.05 −SAR 77.95

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send Ksh 1,000,000, after fees, as quoted by each company. The mid-market line shows what Ksh 1,000,000 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 SAR 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 SAR on every transfer from Kenya.

Right now, Key Currency pays 28,799.82 SAR on 1,000,000 KES, which is 72.18 SAR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 29,068.15 SAR.

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 Saudi Arabia.

We've tracked 50 comparisons to check how often today's top companies were the cheapest across 2 amounts over the past month.

  1. Key CurrencyAppeared in 29 comparisons

    Cheapest every time

  2. Regency FXAppeared in 29 comparisons

    Never the cheapest

Based on 50 comparisons across 2 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 Key Currency is the cheapest and gets you the most SAR, and it was also the cheapest in 100% of the 29 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Saudi Arabia.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Saudi Arabia.

Ways to send money from Kenya to Saudi Arabia

You have 2 companies sending money from Kenya to Saudi Arabia.

Paying from business accounts

Global accounts

Global accounts help Kenyan businesses pay suppliers and contractors in Saudi Arabia.

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

Currency brokers

Currency brokers have no fees and add markup instead.

Usually the more KES you send to Saudi Arabia, the better rate you will get.

Availability also depends on whether you live in Kenya or are sending KES from elsewhere.

Key Currency charges no fee and adds 0.25% on KES/SAR rate.

Our analysis shows Key Currency was the cheapest broker in 100% of all the transfers it quoted.

Ways to fund KES and receive SAR in Saudi Arabia

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KSh1,000,000 gives your recipient 28,799.82 SAR.

Fund the transfer using bank transfer.

In Saudi Arabia, they can receive SAR with bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay KSh1,000,000.00

    SAR28,800

    Cheapest

Consider this before sending KES to Saudi Arabia

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/SAR transfer services

There are 2 companies available for a KSh1,000,000 payment to Saudi Arabia.

Cheapest option

Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 28,799.82 SAR, 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 28,794.05 SAR.

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 KSh1,000,000 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 50 comparisons across 2 amounts.

This page covers the cheapest and fastest options for KES/SAR 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 2 of them on KES to Saudi Arabia 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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