How to send money to Kenya from Poland with the best PLN-KES rate

The exchange rate determines the price you’ll pay for Kenyan Shilling when you send Zloty to Kenya.

The current exchange rate between the Zloty and Kenyan Shilling is 34.3732, and it constantly fluctuates.

When calculating the cost of sending money from Poland to Kenya, a combination of fees and exchange rates ensure the best deal:

• The Mid-Market and Exchange Rates: The current PLN-KES mid-market rate is 34.3732 KES per Zloty. Finding a provider as close to this number as possible will ensure more Kenyan Shilling for your money.

• Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers the lowest fees of 0 PLN per transfer (based on zł30,000 transfer). Although, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The total amount received in Kenyan Shilling is the biggest indicator in the total cost of sending money to Poland from Kenya. The higher the total amount received in Kenya, the lower the cost of sending from Poland.

It’s possible that waiting a day or two can help you get more KES for the same amount of Zloty. But, the best way to lock in a price between Poland and Kenya is by using a forward contract.

A debit card is our recommended option for money transfers between Poland and Kenya. Key Currency offers the best price on a debit card.

Here are all the ways to send money from Poland to Kenya:

Bank transfers

Bank transfers are often the best payment method for money transfers from Poland to Kenya.

A money transfer company like Key Currency offer bank transfers between Poland and Kenya with lower fees and better exchange rates than you would get from a traditional bank.

On average, Key Currency is the cheapest provider for bank transfers of the 6 we tested when sending PLN to Kenya.

Debit and prepaid cards

Sending money from Poland to Kenya with a debit or a prepaid card is very simple with Revolut.


Revolut is a leader in debit card payments for transfers from Poland to Kenya, competing among a total of 6 active money transfer companies on this route.

Credit cards

We recommend avoiding credit cards where possible due to a lack of support and high fees.

If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

Always choose providers that are regulated by financial authorities in both Poland and Kenya to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Poland and Kenya.

Some services have minimum or maximum thresholds on how much you can transfer from Poland to Kenya.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of PLN to Kenya. The combination of rates and fees when sending to Kenya is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Poland, or entering Kenya. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Kenya. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Poland to Kenya will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Poland into Kenyan Shilling. Wise is the best company for bank transfers between Poland and Kenya.

And if you need cash right away, check if cash pickup is an option for transfers between Poland and Kenya.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When signing up to a money transfer company to send between Poland and Kenya, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Poland this will be a government ID like a passport or driver's license. In Kenya it will be a similar set of documents, although this should only be needed if you are opening a new account in Kenya, or collecting in cash.

Big transactions between Poland and Kenya, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Poland.

When sending large amounts of money between Poland and Kenya there will be tax implications to consider.

Some transfers into Kenyan Shilling may need to be reported to tax authorities in Kenya, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in Kenya based on age, income and a few other elements. When in doubt, please contact a tax professional in Poland or Kenya to discuss your personal circumstances.