Best companies for NZD/KES transfers
3 of 3 providers Last updated on 10 November 2026
Based on 10,000 NZD transfer Best companies for NZD/KES transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fees: $92.94 1 NZD = 73.2203 KES -0.01% vs mid-market	Recipient gets KES 725,398.00 Within 3 hours
25 reviews Receive 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 3 hoursAvailable via:Bank Transfer $92.941 NZD = 73.2203 KES KES 725,398.00You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 71.8254 KES +1.92% vs mid-market	Recipient gets KES 718,254.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 71.8254 KES KES 718,254.00You pay$10,000.00
Run a live search Showing top New Zealand to Kenya deals for 10,000 NZD. 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 NZD 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 NZD you're planning to spend in Kenya.
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal.
Wise Pay via Bank transfer	Fees: $92.94 1 NZD = 73.2203 KES -0.01% vs mid-market	Recipient gets KES 725,398.00 Within 3 hours
25 reviews CheapestOur top pick Receive 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 3 hoursAvailable via:Bank Transfer $92.941 NZD = 73.2203 KES KES 725,398.00You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fees: $43.40 1 NZD = 72.8335 KES +0.52% vs mid-market	Recipient gets KES 725,174.38 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Kenya with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $43.401 NZD = 72.8335 KES KES 725,174.38You pay$10,000.00
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.
Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 71.8254 KES +1.92% vs mid-market	Recipient gets KES 718,254.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 71.8254 KES KES 718,254.00You pay$10,000.00
Xe Pay via Debit card	Fees: $40.00 1 NZD = 71.8254 KES +1.92% vs mid-market	Recipient gets KES 715,380.98 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 71.8254 KES KES 715,380.98You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fees: $190.00 1 NZD = 72.8335 KES +0.52% vs mid-market	Recipient gets KES 714,496.98 Within minutes
10 reviews Receive to bank account
Ways to receive money in Kenya with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $190.001 NZD = 72.8335 KES KES 714,496.98You pay$10,000.00
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.
Xe Pay via Credit card	Fees: $90.00 1 NZD = 71.8254 KES +1.92% vs mid-market	Recipient gets KES 711,789.71 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Kenya with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 71.8254 KES KES 711,789.71You pay$10,000.00
How Our Results Work Mid-market rate: 1 NZD = 73.2155 KES Updates every 60 minutes.

Why compare

NZD/KES exchange rate

Best ways to pay & receive

Transfer speed

How to send money from New Zealand to Kenya

Pick a company

If you're sending a one-off transfer, then Wise is the best option.

Wise was the cheapest on 29 of the 30 days it quoted NZ$10,000 transfers to Kenya.

For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.

For large transfers (NZ$10k+), a broker like Xe is usually the best option.

New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.

How much you send will affect the best option for you right now, so I suggest .

Fund your transfer

You can pay for the transfer via bank transfer, debit card, and credit card.

Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.

If you and the money transfer company use the same bank, it'll usually settle in seconds.

Verify and send

For your first transfer you'll need a photo ID and proof of address.

Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.

Compare amounts

How much NZD are you sending to Kenya?

How much NZD 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 37% of the transfers from NZ$10,000 it quoted, and in 29% of all the transfers it quoted.


$1,000	-1.75%	$0.00	KES 74,540.00with debit card to bank deposit	+KES 2,136.71
$5,000	0.54%	$18.40	KES 363,213.87with bank transfer to bank deposit	+KES 3,319.18
$10,000This page	-0.01%	$92.94	KES 725,398.00with bank transfer to bank deposit	+KES 6,982.33
$50,000	0.20%	$0.00	KES 3,657,177.74with bank transfer to bank deposit	+KES 46,190.19
$250,000	0.15%	$0.00	KES 18,283,473.34with bank transfer to bank deposit	+KES 239,278.53

Mid-market rate: 1 NZD = 73.2155 KES

NZD/KES Exchange Rate History

Is today a good time to send money from New Zealand to Kenya?

The cheapest way to send NZD 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 10,000 NZD transfers to Kenya.

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 NZD 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 New Zealand.

Right now, Wise pays 725,398 KES on 10,000 NZD, which is 6,756.81 KES less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 733,588 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 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

WiseAppeared in 146 comparisons
Cheapest in 29% of them
RevolutAppeared in 141 comparisons
Cheapest in 14% of them
XeAppeared in 111 comparisons
Never the cheapest

Based on 147 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 29% of the 146 comparisons it appeared in over the past month.

Revolut (today's second cheapest) was the cheapest in only 14% 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 New Zealand to Kenya

3 companies cover NZD/KES transfers, between them you can send money via app, online, multi-currency account, global business account, and currency broker, and more.

Cheapest way to send NZD

Online money transfers

The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.

Wise charges NZ$92.94 and -0.01% markup on a NZ$10,000 transfer.

This will get you 725,398 KES and it will arrive in same day.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

Best support options

Currency brokers

For house purchase abroad, an inheritance or a pension transfer, a broker like Xe charges no fee and adds 1.92% margin, with a real person on the phone dealing with everything end to end.

Our analysis shows Xe was the cheapest broker in 37% of the transfers from NZ$10,000 it quoted.

Also, you can send a small NZD/KES transfer first to get the feel of the process before sending the rest.

I suggest getting a few quotes from brokers and seeing who's the cheapest.

Living across two countries

Multi-currency accounts

If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.

Wise converts NZ$10,000 at -0.01% markup and holds the KES until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 97% of days.

It’s also great for travelling to Kenya and spending it there.

For business payments from NZ

Global accounts

Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.

Great for paying suppliers, contractors or staff in Kenya, or getting paid in KES.

Ways to fund NZD and receive KES in Kenya

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 725,398 KES.

Pay in NZD by bank transfer, debit card, and credit card.

New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Kenya.

The recipient in Kenya can use bank deposit.

To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.

1

Bank transfer Bank deposit

You pay NZ$10,000.00

KSh725,398

Cheapest
2

Debit card Bank deposit

You pay NZ$10,000.00

KSh715,381

-KSh10,017
3

Credit card Bank deposit

You pay NZ$10,000.00

KSh711,790

-KSh13,608

What to consider when sending NZD to Kenya

Here are a few things to know about money transfers from New Zealand to Kenya.

Compare NZD/KES transfer options

For a NZ$10,000 transfer to Kenya, these are the current best options you have.

Cheapest

Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 725,398 KES, which is 0.03% more than the next best option.

Fastest

Revolut delivers 725,174.38 KES in within minutes when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.

It does not mean you need permission or cannot send more than NZ$1,000.

The New Zealand Police guidance on prescribed transactions explains the reporting threshold.

Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.

Bank funding is not always instant

New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending KES.

Debit-card funding may be confirmed sooner, although it can cost more.

Gifts are not taxed in New Zealand

New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Kenya.

Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.

Transfer protection from New Zealand

New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.

It does not cover money after it has been sent to a non-bank transfer company.

The Reserve Bank explains the scheme's scope in a bit more detail.

How we analyse the market

Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.

That covers 3 registered financial service providers sending NZD to Kenya, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.

In the past 30 days alone, we analysed 147 comparisons across 5 amounts.

This page covers the cheapest and fastest options for NZD/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 goes through our review. Learn more:

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 New Zealand

Send money to Kenya

Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.7241	–	KES 727,240.91
Wise Cheapest	72.7269	$92.94	KES 720,510.00	−KES 6,730.91
Revolut	72.3408	$43.40	KES 720,268.11	−KES 6,972.80
Xe	71.5124	$0.00	KES 715,124.00	−KES 12,116.91

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.6696	–	KES 726,696.18
Wise Cheapest	72.6709	$92.94	KES 719,955.00	−KES 6,741.18
Revolut	72.2676	$43.40	KES 719,539.25	−KES 7,156.93
Xe	71.4480	$0.00	KES 714,480.00	−KES 12,216.18

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.8995	–	KES 728,994.88
Wise Cheapest	72.9000	$92.94	KES 722,225.00	−KES 6,769.88
Revolut	72.5019	$43.40	KES 721,872.80	−KES 7,122.08
Xe	71.6774	$0.00	KES 716,774.00	−KES 12,220.88

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.8697	–	KES 728,696.91
Wise Cheapest	72.8804	$92.94	KES 722,030.00	−KES 6,666.91
Revolut	72.4909	$43.40	KES 721,762.66	−KES 6,934.25
Xe	71.6650	$0.00	KES 716,650.00	−KES 12,046.91

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.6335	–	KES 736,334.65
Wise Cheapest	73.6385	$92.94	KES 729,541.00	−KES 6,793.65
Revolut	73.2495	$43.40	KES 729,315.90	−KES 7,018.75
Xe	72.3944	$0.00	KES 723,944.00	−KES 12,390.65

Sat, 17 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.6161	–	KES 736,161.07
Wise Cheapest	73.4367	$92.94	KES 727,542.00	−KES 8,619.07
Revolut	72.9148	$143.40	KES 718,691.62	−KES 17,469.45
Xe	71.4855	$0.00	KES 714,855.00	−KES 21,306.07

Mon, 19 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.5053	–	KES 735,053.48
Wise Cheapest	73.5169	$92.94	KES 728,336.00	−KES 6,717.48
Revolut	73.1136	$43.40	KES 727,963.18	−KES 7,090.30
Xe	72.2719	$0.00	KES 722,719.00	−KES 12,334.48

Tue, 20 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.8305	–	KES 738,305.05
Wise Cheapest	73.8741	$92.94	KES 731,875.00	−KES 6,430.05
Xe	72.6225	$0.00	KES 726,225.00	−KES 12,080.05
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.9000	–	KES 739,000.06
Wise Cheapest	73.9156	$92.94	KES 732,286.00	−KES 6,714.06
Revolut	73.5060	$43.40	KES 731,869.97	−KES 7,130.09
Xe	72.6732	$0.00	KES 726,732.00	−KES 12,268.06

Thu, 22 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.9117	–	KES 739,117.00
Wise Cheapest	73.9196	$92.94	KES 732,326.00	−KES 6,791.00
Revolut	73.5290	$43.40	KES 732,099.00	−KES 7,018.00
Xe	72.6380	$0.00	KES 726,380.00	−KES 12,737.00

Fri, 23 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.8825	–	KES 738,824.81
Wise Cheapest	73.8782	$92.94	KES 731,916.00	−KES 6,908.81
Revolut	73.4244	$43.40	KES 731,057.59	−KES 7,767.22
Xe	72.5834	$0.00	KES 725,834.00	−KES 12,990.81

Sat, 24 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	74.1090	–	KES 741,090.37
Wise Cheapest	74.0470	$92.94	KES 733,588.00	−KES 7,502.37
Revolut	73.6115	$143.40	KES 725,558.67	−KES 15,531.70
Xe	72.1785	$0.00	KES 721,785.00	−KES 19,305.37

Mon, 26 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.8402	–	KES 738,402.48
Revolut Cheapest	73.5150	$43.40	KES 731,959.10	−KES 6,443.38
Wise	73.8302	$92.94	KES 731,440.00	−KES 6,962.48
Xe	72.6806	$0.00	KES 726,806.00	−KES 11,596.48

Tue, 27 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	74.0046	–	KES 740,046.44
Wise Cheapest	73.9960	$92.94	KES 733,083.00	−KES 6,963.44
Revolut	73.5800	$43.40	KES 732,606.54	−KES 7,439.90
Xe	72.7435	$0.00	KES 727,435.00	−KES 12,611.44

Wed, 28 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.8890	–	KES 728,889.63
Wise Cheapest	72.8718	$92.94	KES 721,945.00	−KES 6,944.63
Revolut	72.4849	$43.40	KES 721,703.17	−KES 7,186.46
Xe	71.6602	$0.00	KES 716,602.00	−KES 12,287.63

Thu, 29 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.9760	–	KES 729,760.31
Wise Cheapest	72.9583	$92.94	KES 722,802.00	−KES 6,958.31
Revolut	72.5703	$43.40	KES 722,553.80	−KES 7,206.51
Xe	71.7480	$0.00	KES 717,480.00	−KES 12,280.31

Fri, 30 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.2104	–	KES 732,104.12
Wise Cheapest	73.2355	$92.94	KES 725,548.00	−KES 6,556.12
Revolut	72.8390	$43.40	KES 725,228.38	−KES 6,875.74
Xe	71.8315	$0.00	KES 718,315.00	−KES 13,789.12

Sat, 31 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.2349	–	KES 732,349.49
Wise Cheapest	73.1683	$92.94	KES 724,883.00	−KES 7,466.49
Revolut No quote collected this day	–	–	–	–
Xe No quote collected this day	–	–	–	–

Sun, 1 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.2285	–	KES 732,284.53
Wise Cheapest	73.1683	$92.94	KES 724,883.00	−KES 7,401.53
Revolut	72.7511	$143.40	KES 717,078.62	−KES 15,205.91
Xe	71.1833	$0.00	KES 711,833.00	−KES 20,451.53

Mon, 2 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.0210	–	KES 730,210.03
Wise Cheapest	73.0038	$92.94	KES 723,253.00	−KES 6,957.03
Revolut	72.6194	$43.40	KES 723,042.64	−KES 7,167.39
Xe	71.6089	$0.00	KES 716,089.00	−KES 14,121.03

Tue, 3 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.1360	–	KES 731,360.02
Wise Cheapest	73.1489	$92.94	KES 724,691.00	−KES 6,669.02
Revolut	72.7515	$43.40	KES 724,357.19	−KES 7,002.83
Xe	71.7438	$0.00	KES 717,438.00	−KES 13,922.02

Wed, 4 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.0620	–	KES 730,620.01
Wise Cheapest	73.0644	$92.94	KES 723,853.00	−KES 6,767.01
Revolut	72.6477	$43.40	KES 723,324.44	−KES 7,295.57
Xe	71.6408	$0.00	KES 716,408.00	−KES 14,212.01

Thu, 5 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	73.2846	–	KES 732,845.64
Wise Cheapest	73.2983	$92.94	KES 726,171.00	−KES 6,674.64
Revolut	72.8936	$43.40	KES 725,772.79	−KES 7,072.85
Xe	71.8878	$0.00	KES 718,878.00	−KES 13,967.64

Fri, 6 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.2133	–	KES 722,132.93
Wise Cheapest	72.1937	$92.94	KES 715,227.00	−KES 6,905.93
Revolut	71.8234	$43.40	KES 715,117.13	−KES 7,015.80
Xe	70.8276	$0.00	KES 708,276.00	−KES 13,856.93

Sat, 7 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	72.0705	–	KES 720,704.62
Wise Cheapest	72.0490	$92.94	KES 713,794.00	−KES 6,910.62
Revolut	71.5702	$143.40	KES 705,438.62	−KES 15,266.00
Xe	70.0650	$0.00	KES 700,650.00	−KES 20,054.62

How to send money to Kenya from New Zealand with the best NZD-KES rate

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