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How to send money to Kenya from Nigeria with the best NGN-KES rate

Compare the best deals on sending money from Nigeria to Kenya. Get insights on the cheapest, fastest, and most reliable providers with the best NGN to KES exchange rates.

Read on for the insights, analysis, and all you need to know about money transfers to Kenya from Nigeria.

Transferring the other way? Send KES from Kenya to Nigeria instead.
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June 24th, 2025
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How to send money from Nigeria to Kenya

Sending money from Nigeria to Kenya doesn’t have a huge amount of options. Because of this, we would recommend sending money via:

How to get the best deal on your Nigeria to Kenya money transfer

Sending money from Nigeria to Kenya: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from Nigeria to Kenya to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between Nigeria and Kenya. Through this, you get a comprehensive view of all the options you have in Nigeria when you need to send money to Kenya.

2
Think about the Naira-Kenyan Shilling exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in Kenya
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from Nigeria to Kenya

Without any money transfer providers serving the Nigeria to Kenya route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from Nigeria to Kenya

When calculating the costs of money transfers between Nigeria and Kenya, here's what really matters:

The Mid-Market Rate: Today, the NGN-KES mid-market rate equals to 0.0833. Keep in mind that this rate fluctuates all the time.

The NGN-KES average exchange rate of the past week has been 0.0815, with a highest of 0.0855 and a lowest of 0.0765.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your NGN to KES transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

Track the exchange rate for Naira to Kenyan Shilling

Sending money at the right time between NGN and KES can make a huge difference to overall cost. The exchange rate impacts how much KES you get for your NGN.

Mid-market Rate
1 
=
0.083336 
KES

Over the last 7 days, the average numbers are:

  • The exchange rate from NGN to KES averaged 0.0815 KES.

  • The highest value recorded was 0.0855 KES, while the lowest was 0.0765 KES.

  • 5 providers currently offer transfers between Nigeria and Kenya close to this rate

Want to secure the best NGN-Kenyan Shilling exchange rates?

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What payment methods are available when sending money from Nigeria to
Kenya?

  • Sending bank transfers from Nigeria to Kenya

    Bank transfers are the most common way of sending NGN to Kenya as they are secure, reliable, and convenient.

    If you want to send Nairas to Kenya via bank transfer, you can use your bank where no provider is available, but it will likely be at a bad exchange rate.

  • Sending money from Nigeria to Kenya by credit card

    Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

    If you want to send Nairas to Kenya with a credit card.

    Note: Beware of charges

    Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

  • Sending money from Nigeria to Kenya by payment apps

    If you’d like to send money from Nigeria to Kenya via payment app, follow these steps:

    1. Download the app and register. Download the app from the App Store or Google Play. You’ll need to register to be able to open an account. Make sure the app services transfers from Nigeria to Kenya.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. Start your transfer. Enter the details of your recipient. Some apps will require full payment details, while others allow you to pay with just an email address. You may need to state that you’re planning to send money to Kenya in Kenyan Shilling at this stage.

    4. Check the details. It’s vital that you check the details you’ve added to make sure everything is correct. It can be very difficult to reverse a transfer, and most payment apps don’t let you cancel a transfer from Nigeria to Kenya after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the NGN to KES exchange rate. Check the rate they’re offering against the mid-market rate to make sure you’re getting a good deal.

    The current mid-market rate of NGN to KES is 0.0833

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Kenya and Nigeria.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Nigeria to Kenya.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to KES.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from Nigeria to Kenya?
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Can I send money from Nigeria to Kenya with MoneyTransfers.com?
What are the typical transfer fees for sending Nairas to Kenya through various providers?
How long does it take to send money from Nigeria to Kenya?
What is the best exchange rate I can get for sending money from Nigeria to Kenya?
Are there any minimum or maximum transfer amounts for sending money from Nigeria to Kenya?
Can I schedule regular transfers between Nigeria and Kenya?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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