Africhange is the overall cheapest way to send money from Nigeria out of the 7 options available. It will get you 32,727.27 KES from a 360,000 NGN transfer.
In Kenya, you can withdraw money using bank deposit.
Use our filters below to find the best transfer option for your needs.
| 7 of 7 providers Last updated on 10 November 2026 | |||
| Based on 360,000 NGN transfer Best companies for NGN/KES transfers | |||
Run a live search Showing top Nigeria to Kenya deals for 360,000 NGN. 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 NGN to KES rates. | |||
Run a live search These companies offer multi-currency accounts for spending KES. We suggest doing a live search based on how much NGN you're planning to spend in Kenya. | |||
Run a live search These are managed services with real human support for large NGN transfers. Click the link and update the transfer amount to get the best deal. | |||
 Africhange Pay via Bank transfer | Fee ₦0.00 1 NGN = 0.0909 KES +5.98% vs mid-market | Recipient gets KES 32,727.27 Minutes | |
Ways to receive money in Kenya with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Free1 NGN = 0.0909 KES KES 32,727.27You pay₦360,000.00 | |||
 Grey Pay via Bank transfer | Fee ₦0.50 1 NGN = 0.0888 KES +8.00% vs mid-market | Recipient gets KES 31,963.74 Minutes | |
Ways to receive money in Kenya with Grey when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦0.501 NGN = 0.0888 KES KES 31,963.74You pay₦360,000.00 | |||
 Afriex Pay via Bank transfer | Fee ₦0.00 1 NGN = 0.0878 KES +9.00% vs mid-market | Recipient gets KES 31,616.35 Minutes - 24 hours | |
Ways to receive money in Kenya with Afriex when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 NGN = 0.0878 KES KES 31,616.35You pay₦360,000.00 | |||
 Pesa Pay via Bank transfer | Fee ₦1,800.00 1 NGN = 0.0878 KES +9.00% vs mid-market | Recipient gets KES 31,458.27 Minutes - 24 hours | |
Ways to receive money in Kenya with Pesa when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours ₦1,800.001 NGN = 0.0878 KES KES 31,458.27You pay₦360,000.00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0907 KES +6.00% vs mid-market | Recipient gets KES 31,352.30 Minutes | |
Ways to receive money in Kenya with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦14,400.001 NGN = 0.0907 KES KES 31,352.30You pay₦360,000.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0907 KES +6.00% vs mid-market | Recipient gets KES 31,352.30 Minutes - 3 days | |
Ways to receive money in Kenya with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₦14,400.001 NGN = 0.0907 KES KES 31,352.30You pay₦360,000.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₦10,800.00 1 NGN = 0.0898 KES +7.00% vs mid-market | Recipient gets KES 31,341.88 Minutes - 5 days | |
Ways to receive money in Kenya with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₦10,800.001 NGN = 0.0898 KES KES 31,341.88You pay₦360,000.00 | |||
| How Our Results Work Mid-market rate: 1 NGN = 0.0965 KES Updates every 60 minutes. | |||
Transfer details
Start with the best service, which is Africhange at 32,727.27 KES for a ₦360,000 transfer.
Africhange was the cheapest on 22 of the 22 days it quoted ₦360,000 transfers to Kenya.
Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.
You have 1 ways to pay, including bank transfer.
A transfer from your banking app is instant and free, and it's how nearly everyone pays.
First time round you'll need your BVN and a photo ID.
Get it done before the day you need to send, since it's the usual reason a first transfer stalls.
Check the rate you're shown against the day's rate before you confirm.
How much NGN you send to Kenya 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 Africhange was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₦100,000 | 5.97% | ₦0.00 | KES 9,090.91with bank transfer to bank deposit | +KES 435.46 | |
| ₦250,000 | 5.97% | ₦0.00 | KES 22,727.27with bank transfer to bank deposit | +KES 723.66 | |
| ₦300,000 | 5.97% | ₦0.00 | KES 27,272.73with bank transfer to bank deposit | +KES 868.39 | |
| ₦360,000This page | 5.98% | ₦0.00 | KES 32,727.27with bank transfer to bank deposit | +KES 1,039.83 | |
| ₦1,000,000 | 5.96% | ₦0.00 | KES 90,909.09with bank transfer to bank deposit | KES 0.00 | |
| ₦5,000,000 | 5.97% | ₦0.00 | KES 454,545.45with bank transfer to bank deposit | KES 0.00 | |
| ₦10,000,000 | 5.97% | ₦0.00 | KES 909,090.91with bank transfer to bank deposit | KES 0.00 | |
| ₦25,000,000 | 5.97% | ₦0.00 | KES 2,272,727.27with bank transfer to bank deposit | KES 0.00 |
Mid-market rate: 1 NGN = 0.0965 KES
The cheapest way to send NGN to KES 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 Africhange), across 30 days of comparisons for 360,000 NGN transfers to Kenya.
Tue, 10 Nov 2026Mid-market rateKES 34,743.24 Africhange KES 32,727.27AfrichangeKES 32,727.27GreyKES 31,963.74AfriexKES 31,616.35
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0975 | – | KES 35,102.16 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,374.89 |
| | 0.0897 | ₦0.50 | KES 32,293.94 | −KES 2,808.22 |
| | 0.0887 | ₦0.00 | KES 31,942.97 | −KES 3,159.19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,124.48 | |
| | 0.0898 | ₦0.50 | KES 32,314.48 | −KES 2,810.00 |
| | 0.0888 | ₦0.00 | KES 31,963.28 | −KES 3,161.20 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,141.04 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,413.77 |
| | 0.0898 | ₦0.50 | KES 32,329.71 | −KES 2,811.33 |
| | 0.0888 | ₦0.00 | KES 31,978.35 | −KES 3,162.69 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,119.80 | |
| | 0.0898 | ₦0.50 | KES 32,310.17 | −KES 2,809.63 |
| | 0.0888 | ₦0.00 | KES 31,959.02 | −KES 3,160.78 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,118.72 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,391.45 |
| | 0.0897 | ₦0.50 | KES 32,309.18 | −KES 2,809.54 |
| | 0.0888 | ₦0.00 | KES 31,958.04 | −KES 3,160.68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0977 | – | KES 35,182.44 | |
| | 0.0899 | ₦0.50 | KES 32,367.80 | −KES 2,814.64 |
| | 0.0889 | ₦0.00 | KES 32,016.02 | −KES 3,166.42 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0977 | – | KES 35,182.44 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,455.17 |
| | 0.0899 | ₦0.50 | KES 32,367.80 | −KES 2,814.64 |
| | 0.0889 | ₦0.00 | KES 32,016.02 | −KES 3,166.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0975 | – | KES 35,089.20 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,361.93 |
| | 0.0897 | ₦0.50 | KES 32,282.02 | −KES 2,807.18 |
| | 0.0887 | ₦0.00 | KES 31,931.17 | −KES 3,158.03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0979 | – | KES 35,242.92 | |
| | 0.0901 | ₦0.50 | KES 32,423.44 | −KES 2,819.48 |
| | 0.0891 | ₦0.00 | KES 32,071.06 | −KES 3,171.86 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,129.88 | |
| | 0.0898 | ₦0.50 | KES 32,319.44 | −KES 2,810.44 |
| | 0.0888 | ₦0.00 | KES 31,968.19 | −KES 3,161.69 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0974 | – | KES 35,061.12 | |
| | 0.0896 | ₦0.50 | KES 32,256.19 | −KES 2,804.93 |
| | 0.0886 | ₦0.00 | KES 31,905.62 | −KES 3,155.50 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0976 | – | KES 35,122.32 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,395.05 |
| | 0.0898 | ₦0.50 | KES 32,312.49 | −KES 2,809.83 |
| | 0.0888 | ₦0.00 | KES 31,961.31 | −KES 3,161.01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0974 | – | KES 35,067.24 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,339.97 |
| | 0.0896 | ₦0.50 | KES 32,261.82 | −KES 2,805.42 |
| | 0.0886 | ₦0.00 | KES 31,911.19 | −KES 3,156.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0974 | – | KES 35,067.24 | |
| | 0.0896 | ₦0.50 | KES 32,261.82 | −KES 2,805.42 |
| | 0.0886 | ₦0.00 | KES 31,911.19 | −KES 3,156.05 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0964 | – | KES 34,716.96 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 1,989.69 |
| | 0.0887 | ₦0.50 | KES 31,939.56 | −KES 2,777.40 |
| | 0.0878 | ₦0.00 | KES 31,592.43 | −KES 3,124.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0969 | – | KES 34,900.92 | |
| | 0.0892 | ₦0.50 | KES 32,108.80 | −KES 2,792.12 |
| | 0.0882 | ₦0.00 | KES 31,759.84 | −KES 3,141.08 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0969 | – | KES 34,894.80 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,167.53 |
| | 0.0892 | ₦0.50 | KES 32,103.17 | −KES 2,791.63 |
| | 0.0882 | ₦0.00 | KES 31,754.27 | −KES 3,140.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0965 | – | KES 34,747.20 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,019.93 |
| | 0.0888 | ₦0.50 | KES 31,967.38 | −KES 2,779.82 |
| | 0.0878 | ₦0.00 | KES 31,619.95 | −KES 3,127.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0965 | – | KES 34,742.16 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,014.89 |
| | 0.0888 | ₦0.50 | KES 31,962.74 | −KES 2,779.42 |
| | 0.0878 | ₦0.00 | KES 31,615.37 | −KES 3,126.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0964 | – | KES 34,701.84 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 1,974.57 |
| | 0.0887 | ₦0.50 | KES 31,925.65 | −KES 2,776.19 |
| | 0.0877 | ₦0.00 | KES 31,578.67 | −KES 3,123.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0964 | – | KES 34,701.84 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 1,974.57 |
| | 0.0887 | ₦0.50 | KES 31,925.65 | −KES 2,776.19 |
| | 0.0877 | ₦0.00 | KES 31,578.67 | −KES 3,123.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0967 | – | KES 34,794.72 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,067.45 |
| | 0.0889 | ₦0.50 | KES 32,011.10 | −KES 2,783.62 |
| | 0.0880 | ₦0.00 | KES 31,663.20 | −KES 3,131.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0969 | – | KES 34,887.96 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,160.69 |
| | 0.0892 | ₦0.50 | KES 32,096.88 | −KES 2,791.08 |
| | 0.0882 | ₦0.00 | KES 31,748.04 | −KES 3,139.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0967 | – | KES 34,821.36 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,094.09 |
| | 0.0890 | ₦0.50 | KES 32,035.61 | −KES 2,785.75 |
| | 0.0880 | ₦0.00 | KES 31,687.44 | −KES 3,133.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0965 | – | KES 34,745.76 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,018.49 |
| | 0.0888 | ₦0.50 | KES 31,966.05 | −KES 2,779.71 |
| | 0.0878 | ₦0.00 | KES 31,618.64 | −KES 3,127.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0966 | – | KES 34,787.16 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,059.89 |
| | 0.0889 | ₦0.50 | KES 32,004.14 | −KES 2,783.02 |
| | 0.0879 | ₦0.00 | KES 31,656.32 | −KES 3,130.84 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0965 | – | KES 34,725.24 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 1,997.97 |
| | 0.0887 | ₦0.50 | KES 31,947.18 | −KES 2,778.06 |
| | 0.0878 | ₦0.00 | KES 31,599.97 | −KES 3,125.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0967 | – | KES 34,794.36 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,067.09 |
| | 0.0889 | ₦0.50 | KES 32,010.77 | −KES 2,783.59 |
| | 0.0880 | ₦0.00 | KES 31,662.87 | −KES 3,131.49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0963 | – | KES 34,673.76 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 1,946.49 |
| | 0.0886 | ₦0.50 | KES 31,899.81 | −KES 2,773.95 |
| | 0.0876 | ₦0.00 | KES 31,553.12 | −KES 3,120.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0965 | – | KES 34,743.24 | |
| | 0.0909 | ₦0.00 | KES 32,727.27 | −KES 2,015.97 |
| | 0.0888 | ₦0.50 | KES 31,963.74 | −KES 2,779.50 |
| | 0.0878 | ₦0.00 | KES 31,616.35 | −KES 3,126.89 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 0.0965 | – | KES 34,743.24 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send ₦360,000, after fees, as quoted by each company. The mid-market line shows what ₦360,000 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 KES per NGN 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 KES on every transfer from Nigeria.
Right now, Africhange pays 32,727.27 KES on 360,000 NGN, which is 2,015.97 KES less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Kenya.
We've tracked 236 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest every time
Cheapest in 23% of them
Never the cheapest
Based on 236 comparisons across 8 amounts over the last 30 days.
Cheapest every time
Cheapest in 26% of them
Never the cheapest
Based on 391 comparisons across 8 amounts over the last 90 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 Africhange is the cheapest and gets you the most KES, and it was also the cheapest in 100% of the 185 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Kenya.
There are 7 money transfer services sending NGN to Kenya.
Cheapest way to send NGN
You can send NGN to Kenya online or through the app.
The cheapest way is Africhange, it will get you 32,727.27 KES for ₦360,000.
In our comparisons over the past month, it was the cheapest online service on 22 of the 22 days it quoted.
To get the most out of your transfer, deposit with a bank transfer and receive with a bank deposit.
With Africhange, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 32,727.27 KES.
For paying in NGN, you can use bank transfer.
I suggest funding the NGN side by bank transfer
Use bank transfer to add NGN from your Nigerian account.
NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to Kenya over internal network.
They can receive KES using bank deposit.
To receive money as bank deposit (straight to their bank account), enter their bank and account details in Kenya.
You pay ₦360,000.00
KSh32,727
Cheapest
Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.
There are 7 companies available for a ₦360,000 transfer to Kenya, so the shortlist is smaller than it is for money coming into Nigeria.
Cheapest way to send money to Kenya
The cheapest option is Africhange, funded by bank transfer with bank deposit for the payout. Your recipient gets 32,727.27 KES, which is 2.33% more than the next best option.
Fastest way to send money to Kenya
The fastest option is Africhange. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 32,727.27 KES in minutes.
NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to Kenya.
The company still needs an approved cross-border route for the conversion and payout.
For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.
Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.
Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.
If the transfer fails, there may be no real way to recover it.
Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.
In the past 30 days alone, we analysed 236 comparisons across 8 amounts.
This page covers the cheapest and fastest options for NGN/KES 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 7 of them on NGN to KES, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.
Rates here move daily, so ours refresh in real time on live searches. 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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