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

A comparison of providers offering services between Saudi Arabia and Kenya is paramount. Based on your specific transfer amount, the best way to send money to Kenya could change. Comparing ensures the best price for your needs.

At the moment, we found these providers to be the best for SAR/KES

• Overall, we rated Key Currency as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from Saudi Arabia to Kenya. Transferring 50,000 SAR to KES will cost you ﷼0 in fees, and you will receive 1,721,058.37 KES. The delivery time can take minutes - 3 days, but it depends on the day you make the transfer.

• We compared 2 money transfer companies and Key Currency offers the cheapest transfer service between Saudi Arabia and Kenya. Key Currency fees are 0 SAR per transfer and you can expect an exchange rate between SAR-KES that is 0.25% different to the mid-market rate.

• Fastest way to send money to Kenya from Saudi Arabia is with Regency FX.

For services allowing you to send Saudi Riyal to Kenya we've compared 2 providers.

This coverage of the market ensure you will get the best options for your transfer to Kenya from Saudi Arabia.

A better exchange rate means more Saudi Riyal being sent to Kenya. This exchange rate determines the price you will pay when buying Kenyan Shilling.

Currently the mid-market rate between Saudi Riyal and Kenyan Shilling is 34.484.

The cost of sending money from Kenya to Kenya, is made-up of a combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from SAR-KES is 34.484 KES per Saudi Riyal.

• Fees: Outside of exchange rates, you may need to pay a fee to send. Key Currency currently offers the lowest fees on transfers to Kenya from Saudi Arabia, costing 0 SAR per transfer. Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Kenyan Shilling is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Saudi Riyals to KES, paired with a low fee, means a higher total amount received in Kenya.

If you’re sending a large amount where this rate could make a significant difference, use a forward contract. This allows you to lock in an agreed exchange rate between Saudi Arabia and Kenya.

A bank transfer through a money transfer company is the cheapest way to send money. Generally, it’s the payment method that will get you the best price on a transfer from Saudi Arabia to Kenya at this moment.

Here are all the ways to send money from Saudi Arabia to Kenya:

Bank transfers

Bank transfers are usually the best and easiest way to send money from Saudi Arabia to Kenya.

By using a money transfer company such as Key Currency for transfers from Saudi Arabia to Kenya, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.

Debit and prepaid cards

Sending money from Saudi Arabia to Kenya with a debit or a prepaid card is available through .


is a one of the cheaper options for debit card payments for transfers from Saudi Arabia to Kenya. This cost is against a total of 2 money transfer companies offering this option.

Credit cards

When it comes to international credit card transfers from Saudi Arabia to Kenya, we recommend comparing your options to get the best deal.

Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment.

and have different financial regulators and ensuring you fully understand how these work will aid in keeping your money safe.

We’ve put together a directory of worldwide financial regulators which contains details on regulation for money transfers between Saudi Arabia and Kenya.

Transfer limits to Saudi Arabia and Kenya will differ per company, this may impact the amount you can send and receive if you hit the limits.

Also, rates and fees for different SAR-KES transfer amounts could change - that’s why it’s best to compare companies for your specific transfer amount. Then, for regular transfers to Kenya, shopping around each time can make a huge difference if you feel you are hitting limits regularly.

For sending large or regular amounts of SAR to Kenya we'd recommend using Key Currency. They offer a combination of rates and fees when sending from Saudi Arabia to Kenya that is the most competitive.

There are different ways to receive money in Kenya.

The most popular ways are direct bank deposit into Kenyan Shilling, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all providers offering money transfers between Saudi Arabia and Kenya will offer every method for incoming Kenyan Shilling.

Understanding where the money will eventually go after its left Saudi Arabia and entered Kenya could impact the provider you use.

The most common (and generally easiest) way to send money from Saudi Arabia to Kenya is directly into a bank account. Key Currency is the best company for sending money from Saudi Arabia to a bank account in Kenya.

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

Mobile wallets, P2P services and payment apps like PayPal, Xoom, and CashApp are popular because they offer convenience to those who already have them, but they come with more limitations and higher costs.

When sending Kenyan Shillings to Kenya, you will need to verify your ID at the sign up stage.

The documents you need will vary by money transfer company and in some cases you might need a couple of options.

For the most part however, in Saudi Arabia ID can be verified through a government issued ID such as a passport or driver's license.

In Kenya, if the recipient needs an ID to collect money - both should be accepted. We’d recommend checking in advance before sending for any specific requirements on receiving money.

Large transactions between Saudi Arabia and Kenya, are subject to additional checks such as proof of funds. This is for anti-money laundering purposes.

Key Currency is one of our recommended providers for transfers to Kenya from Saudi Arabia due to the ease of sign up and ID verification.

When sending money between Saudi Arabia and Kenya there will be tax declarations 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 (or anywhere else there are additional legal requirements).

Depending on age and income in particular, tax limits and personal allowances will change in Kenya.

When in doubt, please contact a tax professional in Saudi Arabia or Kenya to discuss the personal circumstances of the transfer. This ensures you are not missing any specific tax declarations associated with your circumstances.