From the 3 money transfer services available, we found WorldRemit to be the cheapest and Regency FX to be the fastest. You can send ZAR via bank transfer and debit card, and you can receive KES via bank deposit and mobile money.
| 3 of 3 providers Last updated on 10 November 2026 | |||
| Based on 130,000 ZAR transfer Best companies for ZAR/KES transfers | |||
| Promoted  Key Currency Pay via Bank transfer | Fee R 0,00 1 ZAR = 7.9184 KES +0.25% vs mid-market | Recipient gets KES 1 029 385,96 Minutes - 3 days | |
Ways to receive money in Kenya with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 7.9184 KES KES 1 029 385,96You payR 130 000,00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 7.9168 KES +0.27% vs mid-market | Recipient gets KES 1 029 179,56 Minutes - 24 hours | |
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 7.9168 KES KES 1 029 179,56You payR 130 000,00 | |||
Run a live search Showing top South Africa to Kenya deals for 130,000 ZAR. 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 ZAR 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 ZAR you're planning to spend in Kenya. | |||
Run a live search These are managed services with real human support for large ZAR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer | Fee R 0,00 1 ZAR = 7.9184 KES +0.25% vs mid-market | Recipient gets KES 1 029 385,96 Minutes - 3 days | |
Ways to receive money in Kenya with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 ZAR = 7.9184 KES KES 1 029 385,96You payR 130 000,00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R 0,00 1 ZAR = 7.9168 KES +0.27% vs mid-market | Recipient gets KES 1 029 179,56 Minutes - 24 hours | |
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 ZAR = 7.9168 KES KES 1 029 179,56You payR 130 000,00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee R 0,00 1 ZAR = 7.6148 KES +4.16% vs mid-market | Recipient gets KES 989 929,20 Minutes - 2 days | |
Ways to receive money in Kenya with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 ZAR = 7.6148 KES KES 989 929,20You payR 130 000,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 7.9382 KES Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Kenya, I suggest picking the cheapest option which is WorldRemit.
WorldRemit was the cheapest on 4 of the 24 days it quoted R130,000 transfers to Kenya.
On a 130,000 ZAR transfer, WorldRemit delivers the most KES.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/KES rate.
You have 2 ways to pay, including bank transfer and debit card.
PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.
Above that you're on a normal EFT, which is same-day or next-day rather than instant.
First time round you'll need your ID and proof of address.
Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.
How much ZAR 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 WorldRemit was the cheapest in 58% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 4.26% | R 0,00 | KES 15 226,10with debit card to mobile money | +KES 5 533,39 | |
| R 4 500 | 4.20% | R 0,00 | KES 34 266,78with debit card to mobile money | +KES 9 040,55 | |
| R 5 000 | 4.15% | R 0,00 | KES 38 066,35with debit card to mobile money | +KES 9 145,20 | |
| R 50 000 | 0.27% | R 0,00 | KES 395 709,89with bank transfer to bank deposit | +KES 7 523,20 | |
| R 100 000 | 0.27% | R 0,00 | KES 791 757,77with bank transfer to bank deposit | +KES 15 215,39 | |
| R 130 000This page | 0.25% | R 0,00 | KES 1 029 385,96with bank transfer to bank deposit | +KES 13 221,05 |
Mid-market rate: 1 ZAR = 7.9382 KES
The cheapest way to send ZAR 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 WorldRemit), across 30 days of comparisons for 130,000 ZAR transfers to Kenya.
Tue, 10 Nov 2026Mid-market rateKES 1 031 965,87 Key Currency KES 1 029 385,96Key CurrencyKES 1 029 385,96Regency FXKES 1 029 179,56WorldRemitKES 989 929,20
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8674 | – | KES 1 022 763,56 | |
| | 7.8477 | R 0,00 | KES 1 020 206,65 | −KES 2 556,91 |
| | 7.8462 | R 0,00 | KES 1 020 002,10 | −KES 2 761,46 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8797 | – | KES 1 024 356,97 | |
| | 7.8600 | R 0,00 | KES 1 021 796,08 | −KES 2 560,89 |
| | 7.8584 | R 0,00 | KES 1 021 591,21 | −KES 2 765,76 |
| | 7.5434 | R 0,00 | KES 980 648,50 | −KES 43 708,47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8648 | – | KES 1 022 420,88 | |
| | 7.8451 | R 0,00 | KES 1 019 864,83 | −KES 2 556,05 |
| | 7.8435 | R 0,00 | KES 1 019 660,34 | −KES 2 760,54 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8457 | – | KES 1 019 938,14 | |
| | 7.8261 | R 0,00 | KES 1 017 388,29 | −KES 2 549,85 |
| | 7.8245 | R 0,00 | KES 1 017 184,31 | −KES 2 753,83 |
| | 7.5040 | R 0,00 | KES 975 521,30 | −KES 44 416,84 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.9041 | – | KES 1 027 530,66 | |
| | 7.8843 | R 0,00 | KES 1 024 961,83 | −KES 2 568,83 |
| | 7.8827 | R 0,00 | KES 1 024 756,33 | −KES 2 774,33 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8876 | – | KES 1 025 387,48 | |
| | 7.8679 | R 0,00 | KES 1 022 824,01 | −KES 2 563,47 |
| | 7.8663 | R 0,00 | KES 1 022 618,93 | −KES 2 768,55 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8876 | – | KES 1 025 387,48 | |
| | 7.8679 | R 0,00 | KES 1 022 824,01 | −KES 2 563,47 |
| | 7.8663 | R 0,00 | KES 1 022 618,93 | −KES 2 768,55 |
| | 7.5561 | R 0,00 | KES 982 287,80 | −KES 43 099,68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8769 | – | KES 1 023 996,09 | |
| | 7.8572 | R 0,00 | KES 1 021 436,10 | −KES 2 559,99 |
| | 7.8556 | R 0,00 | KES 1 021 231,30 | −KES 2 764,79 |
| | 7.5680 | R 0,00 | KES 983 842,60 | −KES 40 153,49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.9148 | – | KES 1 028 918,28 | |
| | 7.8950 | R 0,00 | KES 1 026 345,98 | −KES 2 572,30 |
| | 7.8934 | R 0,00 | KES 1 026 140,20 | −KES 2 778,08 |
| | 7.5993 | R 0,00 | KES 987 906,40 | −KES 41 011,88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.9213 | – | KES 1 029 763,15 | |
| | 7.9015 | R 0,00 | KES 1 027 188,74 | −KES 2 574,41 |
| | 7.8999 | R 0,00 | KES 1 026 982,79 | −KES 2 780,36 |
| | 7.5862 | R 0,00 | KES 986 206,00 | −KES 43 557,15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8804 | – | KES 1 024 450,57 | |
| | 7.8607 | R 0,00 | KES 1 021 889,44 | −KES 2 561,13 |
| | 7.8591 | R 0,00 | KES 1 021 684,55 | −KES 2 766,02 |
| | 7.5705 | R 0,00 | KES 984 158,50 | −KES 40 292,07 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8454 | – | KES 1 019 900,31 | |
| | 7.8258 | R 0,00 | KES 1 017 350,56 | −KES 2 549,75 |
| | 7.8242 | R 0,00 | KES 1 017 146,58 | −KES 2 753,73 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8289 | – | KES 1 017 757,13 | |
| | 7.8093 | R 0,00 | KES 1 015 212,74 | −KES 2 544,39 |
| | 7.8078 | R 0,00 | KES 1 015 009,19 | −KES 2 747,94 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 7.5073 | R 0,00 | KES 975 943,80 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8110 | – | KES 1 015 426,10 | |
| | 7.7914 | R 0,00 | KES 1 012 887,53 | −KES 2 538,57 |
| | 7.7899 | R 0,00 | KES 1 012 684,45 | −KES 2 741,65 |
| | 7.4957 | R 0,00 | KES 974 437,10 | −KES 40 989,00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8027 | – | KES 1 014 353,73 | |
| | 7.7832 | R 0,00 | KES 1 011 817,85 | −KES 2 535,88 |
| | 7.7817 | R 0,00 | KES 1 011 614,97 | −KES 2 738,76 |
| | 7.4760 | R 0,00 | KES 971 883,90 | −KES 42 469,83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.7962 | – | KES 1 013 502,88 | |
| | 7.7767 | R 0,00 | KES 1 010 969,12 | −KES 2 533,76 |
| | 7.7751 | R 0,00 | KES 1 010 766,42 | −KES 2 736,46 |
| | 7.4634 | R 0,00 | KES 970 238,10 | −KES 43 264,78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8064 | – | KES 1 014 825,50 | |
| | 7.7868 | R 0,00 | KES 1 012 288,44 | −KES 2 537,06 |
| | 7.7853 | R 0,00 | KES 1 012 085,47 | −KES 2 740,03 |
| | 7.4910 | R 0,00 | KES 973 826,10 | −KES 40 999,40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8150 | – | KES 1 015 951,17 | |
| | 7.7955 | R 0,00 | KES 1 013 411,29 | −KES 2 539,88 |
| | 7.7939 | R 0,00 | KES 1 013 208,10 | −KES 2 743,07 |
| | 7.4961 | R 0,00 | KES 974 486,50 | −KES 41 464,67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.7628 | – | KES 1 009 164,39 | |
| | 7.7434 | R 0,00 | KES 1 006 641,48 | −KES 2 522,91 |
| | 7.7418 | R 0,00 | KES 1 006 439,65 | −KES 2 724,74 |
| | 7.4594 | R 0,00 | KES 969 724,60 | −KES 39 439,79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.7628 | – | KES 1 009 164,39 | |
| | 7.7434 | R 0,00 | KES 1 006 641,48 | −KES 2 522,91 |
| | 7.7418 | R 0,00 | KES 1 006 439,65 | −KES 2 724,74 |
| | 7.4594 | R 0,00 | KES 969 724,60 | −KES 39 439,79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8029 | – | KES 1 014 381,42 | |
| | 7.7834 | R 0,00 | KES 1 011 845,47 | −KES 2 535,95 |
| | 7.7819 | R 0,00 | KES 1 011 642,59 | −KES 2 738,83 |
| | 7.4683 | R 0,00 | KES 970 882,90 | −KES 43 498,52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8089 | – | KES 1 015 155,96 | |
| | 7.7894 | R 0,00 | KES 1 012 618,07 | −KES 2 537,89 |
| | 7.7878 | R 0,00 | KES 1 012 415,04 | −KES 2 740,92 |
| | 7.4802 | R 0,00 | KES 972 429,90 | −KES 42 726,06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8710 | – | KES 1 023 229,09 | |
| | 7.5379 | R 0,00 | KES 979 924,40 | −KES 43 304,69 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.9299 | – | KES 1 030 884,79 | |
| | 7.9101 | R 0,00 | KES 1 028 307,58 | −KES 2 577,21 |
| | 7.9085 | R 0,00 | KES 1 028 101,40 | −KES 2 783,39 |
| | 7.6151 | R 0,00 | KES 989 960,40 | −KES 40 924,39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8435 | – | KES 1 019 649,28 | |
| | 7.5393 | R 0,00 | KES 980 111,60 | −KES 39 537,68 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8670 | – | KES 1 022 706,62 | |
| | 7.8473 | R 0,00 | KES 1 020 149,85 | −KES 2 556,77 |
| | 7.8457 | R 0,00 | KES 1 019 945,31 | −KES 2 761,31 |
| | 7.5416 | R 0,00 | KES 980 414,50 | −KES 42 292,12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8822 | – | KES 1 024 685,61 | |
| | 7.8625 | R 0,00 | KES 1 022 123,90 | −KES 2 561,71 |
| | 7.8609 | R 0,00 | KES 1 021 918,96 | −KES 2 766,65 |
| | 7.5416 | R 0,00 | KES 980 414,50 | −KES 44 271,11 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.8676 | – | KES 1 022 790,34 | |
| | 7.5591 | R 0,00 | KES 982 688,20 | −KES 40 102,14 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 7.9382 | – | KES 1 031 965,87 | |
| | 7.9184 | R 0,00 | KES 1 029 385,96 | −KES 2 579,91 |
| | 7.9168 | R 0,00 | KES 1 029 179,56 | −KES 2 786,31 |
| | 7.6148 | R 0,00 | KES 989 929,20 | −KES 42 036,67 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 7.9382 | – | KES 1 031 965,87 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 ZAR 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 South Africa.
Right now, WorldRemit pays 989,929.20 KES on 130,000 ZAR, which is 42,036.67 KES less than the mid-market amount.
Today's payout is the highest in the past month.
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 174 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest every time
Cheapest in 56% of them
Cheapest in 63% of them
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest every time
Cheapest in 43% of them
Cheapest in 58% of them
Based on 174 comparisons across 6 amounts over the last 30 days.
Cheapest every time
Cheapest in 19% of them
Cheapest in 49% of them
Based on 252 comparisons across 6 amounts over the last 90 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 WorldRemit is the cheapest and gets you the most KES, and it was also the cheapest in 58% of the 139 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Kenya.
3 companies send money from South Africa to Kenya.
Frequent transfers from South Africa
Apps and online services are best for recurring transfers to Kenya.
WorldRemit is the cheapest option.
It will get you 989,929.20 KES on a R130,000 transfer.
For fast transfers, WorldRemit is a good option, it will deliver KES in minutes - 2 days.
In our comparisons over the past month, it was the cheapest online service on 24 of the 24 days it quoted.
Most companies will let you fund your transfer by EFT, and will ask for your FICA details.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to Kenya.
They have no fees and add a markup on top of ZAR/KES rate.
Key Currency charges an exchange-rate markup of around 0.25% and no fees.
Our analysis shows Key Currency was the cheapest broker in 100% of all the transfers it quoted.
Also, don’t forget about the R2 million limits on transfers from South Africa (more below).
For business payments abroad
With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending R130,000 gives your recipient 989,929.20 KES.
You can fund the transfer with bank transfer and debit card.
To receive KES in Kenya, your recipient can use bank deposit and mobile money.
You pay R130,000.00
KSh1,029,386
Cheapest
You pay R130,000.00
KSh989,929
-KSh39,457
South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.
For a ZAR 130,000 transfer to Kenya, the current best options are:
The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 989,929.20 KES, which is -3.99% more than the next best option.
The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,029,179.56 KES in minutes - 24 hours.
South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.
A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.
Amounts above the allowances need specific approval through an authorised dealer.
The allowances cover more than money transfers.
Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.
The SARB Financial Surveillance guidance explains how the allowances can be used.
Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.
A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.
Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.
For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.
For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.
The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.
Payments between spouses and reasonable maintenance payments can be exempt.
A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.
Search the company or its FSP number in the FSCA register.
Never move a transfer to crypto or a personal account to bypass exchange control.
Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.
Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.
We track 3 of them on ZAR to Kenya, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 174 comparisons across 6 amounts.
This page covers the cheapest and fastest options for ZAR/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.
Nothing appears without passing our review.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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