How to send money to Kenya from Netherlands with the best EUR-KES rate

Revolut is the fastest way to send money to Kenya right now, with delivery in within minutes.

For the cheapest option, sending €7,000 with Wise will get you 999,595 KES.

Best companies for EUR/KES transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/KES transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €77.26 1 EUR = 144.3930 KES +0.03% vs mid-market Recipient gets KES 999,595.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€77.261 EUR = 144.3930 KES
KES 999,595.00You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 141.3595 KES +2.16% vs mid-market Recipient gets KES 989,516.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Kenya with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 141.3595 KES
KES 989,516.50You pay€7,000.00

Run a live search

Showing top Netherlands to Kenya deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 145.3200 KES -0.61% vs mid-market Recipient gets KES 1,017,240.00 Minutes
Cheapest
Receive to bank account

Ways to receive money in Kenya with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutesAvailable via:Airtel, M-PESA
Free1 EUR = 145.3200 KES
KES 1,017,240.00You pay€7,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 144.0780 KES +0.25% vs mid-market Recipient gets KES 1,008,545.65 Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 144.0780 KES
KES 1,008,545.65You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 144.0491 KES +0.27% vs mid-market Recipient gets KES 1,008,343.44 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 144.0491 KES
KES 1,008,343.44You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €0.00 1 EUR = 143.5624 KES +0.61% vs mid-market Recipient gets KES 1,004,937.08 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Kenya with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 2 days
Free1 EUR = 143.5624 KES
KES 1,004,937.08You pay€7,000.00
Mobile moneyMinutes - 2 days
€0.991 EUR = 142.8973 KES
KES 1,000,139.84You pay€7,000.00

Wise

Pay via Bank transfer
Fee €77.26 1 EUR = 144.3930 KES +0.03% vs mid-market Recipient gets KES 999,595.00 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€77.261 EUR = 144.3930 KES
KES 999,595.00You pay€7,000.00

Wise

Pay via iDEAL
Fee €87.29 1 EUR = 144.3930 KES +0.03% vs mid-market Recipient gets KES 998,147.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€87.291 EUR = 144.3930 KES
KES 998,147.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €61.55 1 EUR = 143.4090 KES +0.72% vs mid-market Recipient gets KES 995,036.50 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Kenya with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€61.551 EUR = 143.4090 KES
KES 995,036.50You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Wise

Pay via Debit card
Fee €131.63 1 EUR = 144.3930 KES +0.03% vs mid-market Recipient gets KES 991,745.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€131.631 EUR = 144.3930 KES
KES 991,745.00You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 141.3595 KES +2.16% vs mid-market Recipient gets KES 989,516.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Kenya with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 141.3595 KES
KES 989,516.50You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 141.3595 KES +2.16% vs mid-market Recipient gets KES 989,516.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Kenya with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 141.3595 KES
KES 989,516.50You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 141.3595 KES +2.16% vs mid-market Recipient gets KES 989,516.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Kenya with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 141.3595 KES
KES 989,516.50You pay€7,000.00

Wise

Pay via Credit card
Fee €173.16 1 EUR = 144.3930 KES +0.03% vs mid-market Recipient gets KES 985,748.00 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Kenya with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€173.161 EUR = 144.3930 KES
KES 985,748.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €221.00 1 EUR = 143.4090 KES +0.72% vs mid-market Recipient gets KES 972,169.93 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Kenya with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€221.001 EUR = 143.4090 KES
KES 972,169.93You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

How Our Results Work
Mid-market rate: 1 EUR = 144.4390 KES Updates every 60 minutes.

How to send money from Netherlands to Kenya

Pick a company

For a one-off EUR transfer to Kenya, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 0 of the 29 days it quoted €7,000 transfers to Kenya.

On a 7,000 EUR transfer, Wise delivers the most KES.

The best option will change depending on how much you actually send, so I suggest to get the best EUR/KES rate.

Fund your transfer

There are 4 ways to fund your transfer, including bank transfer, debit card, credit card, and iDEAL.

The most common way is to fund your account with iDEAL (Wero).

Verify and send

First time round you'll need a photo ID and a BSN.

On a first transfer to someone new, send a small amount and check it landed.

Compare amounts

How much EUR are you sending to Kenya?

How much EUR 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 Wise was the cheapest in 0% of the transfers from €5,000 it quoted, and in 0% of all the transfers it quoted.

Cheapest service
€500-1.17%€0.00KES 73,070.00with debit card to bank deposit+KES 1,369.15
€1,000-1.12%€0.00KES 146,140.00with debit card to bank deposit+KES 3,027.99
€2,000-0.58%€0.00KES 290,640.00with debit card to mobile money+KES 5,365.22
€5,000-0.62%€0.00KES 726,600.00with debit card to mobile money+KES 14,748.37
€7,000This page-0.61%€0.00KES 1,017,240.00with debit card to mobile money+KES 21,081.76

Mid-market rate: 1 EUR = 144.4390 KES

EUR/KES Exchange Rate History

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

The cheapest way to send EUR 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 Wise), across 30 days of comparisons for 7,000 EUR transfers to Kenya.

KES received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateKES 1,011,073.34 TapTap Send KES 1,017,240.00TapTap SendKES 1,017,240.00Key CurrencyKES 1,008,545.65Regency FXKES 1,008,343.44

1,005M
1,010M
1,015M
1,020M
1,025M
1,030M
1,035M
At the mid-market rateWith the cheapest optionTapTap SendKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 147.0500 €0.00 KES 1,029,350.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 147.1771 – KES 1,030,239.53
Key Currency Cheapest 146.8091 €0.00 KES 1,027,663.93 −KES 2,575.60
Regency FX 146.7797 €0.00 KES 1,027,457.89 −KES 2,781.64
TapTap Send 146.0000 €0.00 KES 1,022,000.00 −KES 8,239.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.6538 – KES 1,026,576.35
TapTap Send Cheapest 147.0000 €0.00 KES 1,029,000.00 +KES 2,423.65
Key Currency 146.2871 €0.00 KES 1,024,009.91 −KES 2,566.44
Regency FX 146.2578 €0.00 KES 1,023,804.59 −KES 2,771.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.0935 – KES 1,022,654.27
TapTap Send Cheapest 146.0000 €0.00 KES 1,022,000.00 −KES 654.27
Key Currency 145.7282 €0.00 KES 1,020,097.63 −KES 2,556.64
Regency FX 145.6990 €0.00 KES 1,019,893.10 −KES 2,761.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 144.4354 – KES 1,011,047.99
TapTap Send Cheapest 146.0000 €0.00 KES 1,022,000.00 +KES 10,952.01
Key Currency 144.0743 €0.00 KES 1,008,520.37 −KES 2,527.62
Regency FX 144.0455 €0.00 KES 1,008,318.16 −KES 2,729.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.8281 – KES 1,020,796.77
TapTap Send Cheapest 145.6000 €0.00 KES 1,019,200.00 −KES 1,596.77
Key Currency 145.4635 €0.00 KES 1,018,244.78 −KES 2,551.99
Regency FX 145.4344 €0.00 KES 1,018,040.62 −KES 2,756.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.2778 – KES 1,016,944.31
TapTap Send Cheapest 145.6000 €0.00 KES 1,019,200.00 +KES 2,255.69
Key Currency 144.9146 €0.00 KES 1,014,401.95 −KES 2,542.36
Regency FX 144.8855 €0.00 KES 1,014,198.56 −KES 2,745.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5119 – KES 1,018,583.36
Key Currency Cheapest 145.1481 €0.00 KES 1,016,036.90 −KES 2,546.46
Regency FX 145.1190 €0.00 KES 1,015,833.18 −KES 2,750.18
TapTap Send 145.0000 €0.00 KES 1,015,000.00 −KES 3,583.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5653 – KES 1,018,957.35
Key Currency Cheapest 145.2014 €0.00 KES 1,016,409.96 −KES 2,547.39
Regency FX 145.1723 €0.00 KES 1,016,206.17 −KES 2,751.18
TapTap Send 145.0000 €0.00 KES 1,015,000.00 −KES 3,957.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3725 – KES 1,017,607.26
Key Currency Cheapest 145.0090 €0.00 KES 1,015,063.24 −KES 2,544.02
TapTap Send 145.0000 €0.00 KES 1,015,000.00 −KES 2,607.26
Regency FX 144.9800 €0.00 KES 1,014,859.72 −KES 2,747.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.7376 – KES 1,020,163.42
Key Currency Cheapest 145.3733 €0.00 KES 1,017,613.01 −KES 2,550.41
Regency FX 145.3441 €0.00 KES 1,017,408.98 −KES 2,754.44
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 8,663.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3202 – KES 1,017,241.30
Key Currency Cheapest 144.9569 €0.00 KES 1,014,698.20 −KES 2,543.10
Regency FX 144.9278 €0.00 KES 1,014,494.75 −KES 2,746.55
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 5,741.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3202 – KES 1,017,241.30
Key Currency Cheapest 144.9569 €0.00 KES 1,014,698.20 −KES 2,543.10
Regency FX 144.9278 €0.00 KES 1,014,494.75 −KES 2,746.55
TapTap Send 144.2000 €0.00 KES 1,009,400.00 −KES 7,841.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3537 – KES 1,017,475.99
Key Currency Cheapest 144.9903 €0.00 KES 1,014,932.30 −KES 2,543.69
Regency FX 144.9613 €0.00 KES 1,014,728.81 −KES 2,747.18
TapTap Send 144.1000 €0.00 KES 1,008,700.00 −KES 8,775.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.1203 – KES 1,015,842.14
TapTap Send Cheapest 145.0000 €0.00 KES 1,015,000.00 −KES 842.14
Key Currency 144.7575 €0.00 KES 1,013,302.53 −KES 2,539.60
Regency FX 144.7285 €0.00 KES 1,013,099.36 −KES 2,742.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.2237 – KES 1,016,565.65
Key Currency Cheapest 144.8606 €0.00 KES 1,014,024.23 −KES 2,541.42
Regency FX 144.8316 €0.00 KES 1,013,820.92 −KES 2,744.73
TapTap Send 144.5000 €0.00 KES 1,011,500.00 −KES 5,065.65
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 144.5000 €0.00 KES 1,011,500.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.0046 – KES 1,022,032.28
Key Currency Cheapest 145.6396 €0.00 KES 1,019,477.20 −KES 2,555.08
Regency FX 145.6104 €0.00 KES 1,019,272.79 −KES 2,759.49
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 5,632.28
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 145.2000 €0.00 KES 1,016,400.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 146.1936 – KES 1,023,355.30
Key Currency Cheapest 145.8281 €0.00 KES 1,020,796.91 −KES 2,558.39
Regency FX 145.7989 €0.00 KES 1,020,592.24 −KES 2,763.06
TapTap Send 145.2000 €0.00 KES 1,016,400.00 −KES 6,955.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5545 – KES 1,018,881.66
Key Currency Cheapest 145.1906 €0.00 KES 1,016,334.46 −KES 2,547.20
Regency FX 145.1615 €0.00 KES 1,016,130.68 −KES 2,750.98
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.8080 – KES 1,020,656.04
Western Union Cheapest 145.8251 €0.00 KES 1,020,776.00 +KES 119.96
TapTap Send 145.3000 €0.00 KES 1,017,100.00 −KES 3,556.04
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.7957 – KES 1,020,569.81
Key Currency Cheapest 145.4312 €0.00 KES 1,018,018.38 −KES 2,551.43
Regency FX 145.4020 €0.00 KES 1,017,814.27 −KES 2,755.54
TapTap Send 145.3000 €0.00 KES 1,017,100.00 −KES 3,469.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.9911 – KES 1,021,938.04
Key Currency Cheapest 145.6262 €0.00 KES 1,019,383.20 −KES 2,554.84
Regency FX 145.5970 €0.00 KES 1,019,178.81 −KES 2,759.23
TapTap Send 145.3000 €0.00 KES 1,017,100.00 −KES 4,838.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.4027 – KES 1,017,818.97
TapTap Send Cheapest 145.3000 €0.00 KES 1,017,100.00 −KES 718.97
Key Currency 145.0392 €0.00 KES 1,015,274.42 −KES 2,544.55
Regency FX 145.0101 €0.00 KES 1,015,070.86 −KES 2,748.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3550 – KES 1,017,484.89
TapTap Send Cheapest 145.3000 €0.00 KES 1,017,100.00 −KES 384.89
Key Currency 144.9916 €0.00 KES 1,014,941.18 −KES 2,543.71
Regency FX 144.9625 €0.00 KES 1,014,737.68 −KES 2,747.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.3550 – KES 1,017,484.89
TapTap Send Cheapest 145.3200 €0.00 KES 1,017,240.00 −KES 244.89
Key Currency 144.9916 €0.00 KES 1,014,941.18 −KES 2,543.71
Regency FX 144.9625 €0.00 KES 1,014,737.68 −KES 2,747.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.5174 – KES 1,018,621.79
TapTap Send Cheapest 145.3200 €0.00 KES 1,017,240.00 −KES 1,381.79
Key Currency 145.1536 €0.00 KES 1,016,075.23 −KES 2,546.56
Regency FX 145.1245 €0.00 KES 1,015,871.51 −KES 2,750.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 145.0106 – KES 1,015,074.41
TapTap Send Cheapest 145.3200 €0.00 KES 1,017,240.00 +KES 2,165.59
Key Currency 144.6481 €0.00 KES 1,012,536.72 −KES 2,537.69
Regency FX 144.6191 €0.00 KES 1,012,333.71 −KES 2,740.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 144.4390 – KES 1,011,073.34
TapTap Send Cheapest 145.3200 €0.00 KES 1,017,240.00 +KES 6,166.66
Key Currency 144.0780 €0.00 KES 1,008,545.65 −KES 2,527.69
Regency FX 144.0491 €0.00 KES 1,008,343.44 −KES 2,729.90

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 6 of the last 30 days.

Right now, Wise pays 999,595 KES on 7,000 EUR, which is 11,478.34 KES less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,029,350 KES.

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 Kenya.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. TapTap SendAppeared in 89 comparisons

    Cheapest in 21% of them

  2. Key CurrencyAppeared in 26 comparisons

    Cheapest in 54% of them

  3. Regency FXAppeared in 26 comparisons

    Never the cheapest

Based on 94 comparisons across 5 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 Wise is the cheapest and gets you the most KES, but it was the cheapest in only 0% of the 91 comparisons it appeared in over the past month.

Revolut (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Kenya.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from the Netherlands to Kenya

7 companies send money from the Netherlands to Kenya, across app, broker, online, multi-currency account, and global account, and more.

For one-off transfers

Online transfers

Sending money to Kenya online is simple.

Pick Kenya, enter the amount, and pay with iDEAL (Wero) or bank transfer depending who you use.

Wise is the cheapest online option, sending €7,000 gets you 999,595 KES with a €77.26 fee and 0.03% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 29 days it quoted.

Frequent transfers abroad

Money transfer apps

For the regular transfer to Kenya, apps are the easiest.

Wise charges €77.26 in fees on a €7,000 transfer with 0.03% markup and gets you 999,595 KES.

Over the past month, Wise was the cheapest app on 0% of the days it appeared for €7,000 transfers.

You can pay for your transfer via bank transfer, debit card, credit card, and iDEAL but you can’t use Tikkie for deposits.

For large EUR transfers

Currency brokers

Currency brokers are the best for large transfers from the Netherlands.

They handle the transfer for you, charge no fees, but add a markup on top of KES rate.

For a property abroad or moving your savings, a broker like Xe is the best option.

Our analysis shows Xe was the cheapest broker in 42% of the transfers from €5,000 it quoted.

Holding, travelling, and receiving

Multi-currency accounts

These let you hold EUR and KES in one account.

This is handy for receiving payments, spending KES and EUR, or travelling to Kenya.

Wise is the cheapest multi-currency account.

It converts €7,000 at 0.03% markup plus €77.26 fee and holds the KES until you send or spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For ZZP'ers

Global accounts

Global accounts offer business tools and business transfers from the Netherlands.

Companies like Wise Business, Airwallex, or Payoneer offer batch payments, invoicing, admin tools, and more.

Ways to fund EUR and receive KES in Kenya

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 999,595 KES.

In Kenya, the recipient can collect KES through bank deposit, mobile money, and card deposit.

You can deposit EUR using bank transfer, debit card, credit card, and iDEAL.

Paying through iDEAL (Wero)

Choose iDEAL (Wero) during the transfer, select your Dutch bank and approve the pre-filled payment.

This funds your balance without entering the company's account details manually.

To find the company with the best EUR/KES rate offering iDEAL (Wero), use our deposit filter above.

  1. 1
    Debit card Mobile money

    You pay €7,000.00

    KSh1,017,240

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay €7,000.00

    KSh1,008,546

    -KSh8,694

  3. 3
    Debit card Card deposit

    You pay €7,000.00

    KSh1,004,937

    -KSh12,303

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    KSh998,147

    -KSh19,093

  5. 5
    Debit card Bank deposit

    You pay €7,000.00

    KSh991,745

    -KSh25,495

Show moreShow less
  1. 6
    Credit card Bank deposit

    You pay €7,000.00

    KSh989,517

    -KSh27,724

Consider this when sending money from Netherlands to Kenya

A few things to consider before sending money from Netherlands to Kenya.

Compare your transfer options

Cheapest way to send money to Kenya

The cheapest option for a €7,000 transfer is Wise, funded through bank transfer with bank deposit for the payout. Your recipient gets 999,595 KES, which is 0.46% more than the next best option.

Fastest way to send money to Kenya

The fastest option is Revolut. Pay by bank transfer and choose bank deposit in Kenya. Your recipient gets 995,036.5 KES in within minutes.

iDEAL is becoming Wero

iDEAL remains the normal way to approve an online payment from a Dutch bank account.

Since 2026, the name and payment experience have been moving to Wero in stages.

Sending gifts can trigger Dutch gift tax

Dutch rules treat a gift to someone abroad in the same way as a gift to someone in the Netherlands.

For 2026, the annual exemption is €6,908 when parents give to a child and €2,769 for most other recipients.

The recipient normally files the return if the total from the same donor exceeds the exemption.

The Belastingdienst explains gifts abroad and publishes the current exemptions.

Regularly paying a genuine shared expense is not automatically the same as making a gift, but keep records showing what the payment covered.

How we analyse the market

We track 7 companies sending EUR to Kenya, all registered with De Nederlandsche Bank or passported in, and the rates update in real time on live searches.

We compare fees, exchange rates and how the money can be paid in and collected.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

This page covers the cheapest and fastest options for EUR/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.

Each company goes through our review before it appears here.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.