How to send money to Kenya from Singapore with the best SGD-KES rate

Revolut is the fastest way to send money to Kenya from Singapore right now, with delivery in within minutes. Xe is cheapest overall, paying out 993,707 KES for a S$10,000 transfer.

Best companies for SGD/KES transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 10,000 SGD transfer

Best companies for SGD/KES transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $86.11 1 SGD = 101.2950 KES +0.02% vs mid-market Recipient gets KES 1,004,227.00 Same day
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 depositSame dayAvailable via:Bank Transfer
$86.111 SGD = 101.2950 KES
KES 1,004,227.00You pay$10,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 SGD = 99.3707 KES +1.94% vs mid-market Recipient gets KES 993,707.00 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 SGD = 99.3707 KES
KES 993,707.00You pay$10,000.00

Run a live search

Showing top Singapore to Kenya deals for 10,000 SGD. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee $0.00 1 SGD = 101.0641 KES +0.25% vs mid-market Recipient gets KES 1,010,641.39 Minutes - 3 days
Cheapest
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 SGD = 101.0641 KES
KES 1,010,641.39You pay$10,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 SGD = 101.0439 KES +0.27% vs mid-market Recipient gets KES 1,010,438.76 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 SGD = 101.0439 KES
KES 1,010,438.76You pay$10,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $52.60 1 SGD = 101.1959 KES +0.12% vs mid-market Recipient gets KES 1,006,636.58 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
$52.601 SGD = 101.1959 KES
KES 1,006,636.58You 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.

Wise

Pay via Bank transfer
Fee $86.11 1 SGD = 101.2950 KES +0.02% vs mid-market Recipient gets KES 1,004,227.00 Same day
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 depositSame dayAvailable via:Bank Transfer
$86.111 SGD = 101.2950 KES
KES 1,004,227.00You pay$10,000.00

Wise

Pay via PayNow
Fee $86.11 1 SGD = 101.2950 KES +0.02% vs mid-market Recipient gets KES 1,004,227.00 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$86.111 SGD = 101.2950 KES
KES 1,004,227.00You pay$10,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee $131.75 1 SGD = 101.1959 KES +0.12% vs mid-market Recipient gets KES 998,626.92 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
$131.751 SGD = 101.1959 KES
KES 998,626.92You 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
Fee $0.00 1 SGD = 99.3707 KES +1.94% vs mid-market Recipient gets KES 993,707.00 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 SGD = 99.3707 KES
KES 993,707.00You pay$10,000.00

Wise

Pay via Debit card
Fee $537.47 1 SGD = 101.2950 KES +0.02% vs mid-market Recipient gets KES 958,507.00 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
$537.471 SGD = 101.2950 KES
KES 958,507.00You pay$10,000.00
How Our Results Work
Mid-market rate: 1 SGD = 101.3174 KES Updates every 60 minutes.

How to send money from Singapore to Kenya

Pick a company

I suggest starting with Xe which is the cheapest option for sending S$10,000.

Xe was the cheapest on 0 of the 29 days it quoted S$10,000 transfers to Kenya.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, debit card, and paynow.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to Kenya, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to Kenya?

How much SGD 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 Xe was the cheapest in 0% of the transfers from S$5,000 it quoted, and in 0% of all the transfers it quoted.

Cheapest service
$1,0000.13%$0.00KES 101,177.00with bank transfer to bank deposit+KES 1,528.81
$5,0000.13%$2.60KES 505,549.01with bank transfer to bank deposit+KES 8,297.32
$10,000This page0.25%$0.00KES 1,010,641.39with bank transfer to bank deposit+KES 12,264.93

Mid-market rate: 1 SGD = 101.3174 KES

SGD/KES Exchange Rate History

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

The cheapest way to send SGD 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 Xe), across 30 days of comparisons for 10,000 SGD transfers to Kenya.

KES received for $10,000, after fees

Wed, 28 Oct 2026Mid-market rateKES 1,013,174.33 Key Currency KES 1,010,641.39Key CurrencyKES 1,010,641.39Regency FXKES 1,010,438.76RevolutKES 1,006,636.58

990.000K
995.000K
1.000M
1.005M
1.010M
1.015M
1.020M
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3445 – KES 1,013,445.01
Key Currency Cheapest 101.0911 $0.00 KES 1,010,911.40 −KES 2,533.61
Regency FX 101.0709 $0.00 KES 1,010,708.71 −KES 2,736.30
Revolut 101.3050 $65.00 KES 1,006,464.83 −KES 6,980.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.5857 – KES 1,015,857.47
Key Currency Cheapest 101.3318 $0.00 KES 1,013,317.83 −KES 2,539.64
Regency FX 101.3115 $0.00 KES 1,013,114.65 −KES 2,742.82
Revolut 101.5260 $65.00 KES 1,008,660.81 −KES 7,196.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3181 – KES 1,013,181.02
Key Currency Cheapest 101.0648 $0.00 KES 1,010,648.07 −KES 2,532.95
Regency FX 101.0445 $0.00 KES 1,010,445.43 −KES 2,735.59
Revolut 101.2142 $65.00 KES 1,005,562.69 −KES 7,618.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4636 – KES 1,014,636.16
Key Currency Cheapest 101.2100 $0.00 KES 1,012,099.57 −KES 2,536.59
Regency FX 101.1897 $0.00 KES 1,011,896.64 −KES 2,739.52
Revolut 101.3125 $65.00 KES 1,006,539.59 −KES 8,096.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 100.3128 – KES 1,003,127.89
Wise Cheapest 101.4190 $86.11 KES 1,005,457.00 +KES 2,329.11
Key Currency 100.0620 $0.00 KES 1,000,620.07 −KES 2,507.82
Regency FX 100.0419 $0.00 KES 1,000,419.44 −KES 2,708.45
Revolut 101.1758 $165.00 KES 995,063.51 −KES 8,064.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.2959 – KES 1,012,958.72
Key Currency Cheapest 101.0426 $0.00 KES 1,010,426.32 −KES 2,532.40
Regency FX 101.0224 $0.00 KES 1,010,223.73 −KES 2,734.99
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3071 – KES 1,013,070.59
Key Currency Cheapest 101.0538 $0.00 KES 1,010,537.91 −KES 2,532.68
Regency FX 101.0335 $0.00 KES 1,010,335.30 −KES 2,735.29
Revolut 101.1443 $65.00 KES 1,004,868.26 −KES 8,202.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3753 – KES 1,013,752.92
Wise Cheapest 101.3640 $86.11 KES 1,004,912.00 −KES 8,840.92
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.5316 – KES 1,015,316.11
Key Currency Cheapest 101.2778 $0.00 KES 1,012,777.82 −KES 2,538.29
Regency FX 101.2575 $0.00 KES 1,012,574.76 −KES 2,741.35
Revolut 101.4241 $65.00 KES 1,007,648.08 −KES 7,668.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4024 – KES 1,014,023.84
Key Currency Cheapest 101.1489 $0.00 KES 1,011,488.78 −KES 2,535.06
Regency FX 101.1286 $0.00 KES 1,011,285.98 −KES 2,737.86
Revolut 101.2914 $65.00 KES 1,006,329.60 −KES 7,694.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4375 – KES 1,014,375.47
Key Currency Cheapest 101.1840 $0.00 KES 1,011,839.53 −KES 2,535.94
Regency FX 101.1637 $0.00 KES 1,011,636.66 −KES 2,738.81
Revolut 101.2357 $65.00 KES 1,005,776.72 −KES 8,598.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3744 – KES 1,013,744.47
Key Currency Cheapest 101.1210 $0.00 KES 1,011,210.11 −KES 2,534.36
Regency FX 101.1007 $0.00 KES 1,011,007.36 −KES 2,737.11
Revolut 101.1560 $165.00 KES 994,869.70 −KES 18,874.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3744 – KES 1,013,744.47
Key Currency Cheapest 101.1210 $0.00 KES 1,011,210.11 −KES 2,534.36
Regency FX 101.1007 $0.00 KES 1,011,007.36 −KES 2,737.11
Revolut 101.1560 $165.00 KES 994,869.70 −KES 18,874.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3769 – KES 1,013,769.30
Key Currency Cheapest 101.1235 $0.00 KES 1,011,234.88 −KES 2,534.42
Regency FX 101.1032 $0.00 KES 1,011,032.12 −KES 2,737.18
Revolut 101.2740 $65.00 KES 1,006,156.98 −KES 7,612.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3583 – KES 1,013,582.76
Key Currency Cheapest 101.1049 $0.00 KES 1,011,048.80 −KES 2,533.96
Regency FX 101.0846 $0.00 KES 1,010,846.09 −KES 2,736.67
Revolut 101.2124 $65.00 KES 1,005,544.95 −KES 8,037.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 100.8569 – KES 1,008,569.49
Key Currency Cheapest 100.6048 $0.00 KES 1,006,048.07 −KES 2,521.42
Regency FX 100.5846 $0.00 KES 1,005,846.35 −KES 2,723.14
Revolut 100.6039 $65.00 KES 999,499.59 −KES 9,069.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.2141 – KES 1,012,140.88
Key Currency Cheapest 100.9611 $0.00 KES 1,009,610.53 −KES 2,530.35
Regency FX 100.9408 $0.00 KES 1,009,408.10 −KES 2,732.78
Revolut 101.1041 $65.00 KES 1,004,469.68 −KES 7,671.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4979 – KES 1,014,978.83
Key Currency Cheapest 101.2441 $0.00 KES 1,012,441.38 −KES 2,537.45
Regency FX 101.2238 $0.00 KES 1,012,238.39 −KES 2,740.44
Revolut 101.3928 $65.00 KES 1,007,337.08 −KES 7,641.75
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 101.4730 $86.11 KES 1,005,992.00 –
Revolut 101.2906 $165.00 KES 996,192.75 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4725 – KES 1,014,725.07
Key Currency Cheapest 101.2188 $0.00 KES 1,012,188.26 −KES 2,536.81
Regency FX 101.1985 $0.00 KES 1,011,985.31 −KES 2,739.76
Revolut 101.2906 $165.00 KES 996,192.75 −KES 18,532.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4846 – KES 1,014,845.83
Key Currency Cheapest 101.2309 $0.00 KES 1,012,308.72 −KES 2,537.11
Regency FX 101.2106 $0.00 KES 1,012,105.75 −KES 2,740.08
Revolut 101.3912 $65.00 KES 1,007,321.34 −KES 7,524.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.5732 – KES 1,015,732.20
Key Currency Cheapest 101.3193 $0.00 KES 1,013,192.87 −KES 2,539.33
Regency FX 101.2990 $0.00 KES 1,012,989.72 −KES 2,742.48
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.6630 – KES 1,016,630.02
Key Currency Cheapest 101.4088 $0.00 KES 1,014,088.44 −KES 2,541.58
Regency FX 101.3885 $0.00 KES 1,013,885.12 −KES 2,744.90
Revolut 101.5743 $65.00 KES 1,009,140.56 −KES 7,489.46
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Revolut Cheapest 101.6366 $65.00 KES 1,009,759.26 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.5432 – KES 1,015,432.46
Key Currency Cheapest 101.2894 $0.00 KES 1,012,893.88 −KES 2,538.58
Regency FX 101.2691 $0.00 KES 1,012,690.79 −KES 2,741.67
Revolut 101.5426 $65.00 KES 1,008,826.02 −KES 6,606.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.6162 – KES 1,016,161.79
Key Currency Cheapest 101.3621 $0.00 KES 1,013,621.39 −KES 2,540.40
Regency FX 101.3418 $0.00 KES 1,013,418.15 −KES 2,743.64
Revolut 101.4941 $165.00 KES 998,194.48 −KES 17,967.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.6162 – KES 1,016,161.79
Key Currency Cheapest 101.3621 $0.00 KES 1,013,621.39 −KES 2,540.40
Regency FX 101.3418 $0.00 KES 1,013,418.15 −KES 2,743.64
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4027 – KES 1,014,026.63
Key Currency Cheapest 101.1492 $0.00 KES 1,011,491.56 −KES 2,535.07
Regency FX 101.1289 $0.00 KES 1,011,288.76 −KES 2,737.87
Revolut 101.1622 $65.00 KES 1,005,046.12 −KES 8,980.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.4021 – KES 1,014,021.16
Key Currency Cheapest 101.1486 $0.00 KES 1,011,486.11 −KES 2,535.05
Regency FX 101.1283 $0.00 KES 1,011,283.30 −KES 2,737.86
Revolut 101.2575 $65.00 KES 1,005,992.95 −KES 8,028.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 101.3174 – KES 1,013,174.33
Key Currency Cheapest 101.0641 $0.00 KES 1,010,641.39 −KES 2,532.94
Regency FX 101.0439 $0.00 KES 1,010,438.76 −KES 2,735.57
Revolut 101.1959 $52.60 KES 1,006,636.58 −KES 6,537.75

Exchange rateFeeRecipient getsDifference

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 SGD 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 1 of the last 30 days.

Right now, Xe pays 993,707 KES on 10,000 SGD, which is 19,467.33 KES less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,014,088.44 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 76 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. Key CurrencyAppeared in 27 comparisons

    Cheapest in 96% of them

  2. Regency FXAppeared in 27 comparisons

    Never the cheapest

  3. RevolutAppeared in 68 comparisons

    Cheapest in 35% of them

Based on 76 comparisons across 3 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 Xe is the cheapest and gets you the most KES, but it was the cheapest in only 0% of the 45 comparisons it appeared in over the past month.

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

Ways to send money from Singapore to Kenya

There are 5 ways to send money to Kenya across 5 money transfer companies.

Cheapest way to send money

Online transfers

Sending KES from Singapore with a specialist like Xe is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Xe charges S$0 to send S$10,000, delivering 993,707 KES after a 1.94% markup.

In our comparisons over the past month, it was the cheapest online service on 0 of the 29 days it quoted.

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to Kenya.

A currency broker can quote a lower margin on large SGD to KES transfers and help with the paperwork and the entire process.

For example, Xe charges an exchange-rate markup of around 1.94% and no fees.

Our analysis shows Xe was the cheapest broker in 40% of the transfers from S$5,000 it quoted.

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Revolut lets you convert SGD to KES before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Revolut will get you 1,006,636.58 KES after fees when converting 10,000 SGD.

Over the past month, it came out cheapest among multi-currency accounts on 77% of days.

Ways to fund SGD and receive KES in Kenya

With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 993,707 KES.

Pay in SGD through bank transfer, debit card, and paynow.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to Kenya from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In Kenya, they can receive KES using bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay S$10,000.00

    KSh1,010,641

    Cheapest

  2. 2
    Paynow Bank deposit

    You pay S$10,000.00

    KSh1,004,227

    -KSh6,414

  3. 3
    Debit card Bank deposit

    You pay S$10,000.00

    KSh998,627

    -KSh12,014

Things to know before sending SGD to Kenya

Consider these things before sending money from Singapore to Kenya.

Compare SGD/KES transfers

For a S$10,000 transfer to Kenya, these are the best options to start with:

  1. Cheapest: Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 993,707 KES, which is -1.7% more than the next best option.

  2. Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 1,006,636.58 KES in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 5 of them on SGD to Kenya, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 76 comparisons across 3 amounts.

This page covers the cheapest and fastest options for SGD/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. More on who we are, why you can trust us and how to get started.

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