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How to send money to Kenya from South Africa with the best ZAR-KES rate

Compare the best ways to send money from South Africa to Kenya. Explore the fastest, cheapest, and most reliable providers with the best ZAR to KES exchange rates.

Read on for the best deals, expert information, and all you need to send money to Kenya from South Africa.

Transferring the other way? Send KES from Kenya to South Africa instead.
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July 5th, 2025
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Best money transfer companies

Send money from South Africa to Kenya

Last updated: Today
Mid-market rate as of 07/05/2025: 1 ZAR = 7.343746 KES
Results below are based on a 130000 ZAR search
0 of 3 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (KES)
KES 951,822.92
Full transfer details
Visit TorFx
KES 25,777 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (KES)
KES 952,109.33
Full transfer details
Visit Regency FX
KES 26,063 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Live Rates
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Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (KES)
KES 952,300.26
Full transfer details
Visit Key Currency
KES 26,254 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (KES)
KES 952,109.33
Full transfer details
Visit Regency FX
KES 26,063 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
3
TorFx
Recipient gets (KES)
KES 951,822.92
Full transfer details
Visit TorFx
KES 25,777 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Mid-market rate updates every 60 minutes
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (KES)
KES 951,822.92
Full transfer details
Visit TorFx
KES 25,777 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (KES)
KES 952,109.33
Full transfer details
Visit Regency FX
KES 26,063 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service

Overall best way: TorFx

TorFx is our recommended company for ZAR to KES transfers.

TorFx scored the highest of the 3 money transfer companies supporting ZAR to KES transfers.

For example, sending 130,000 ZAR to KES will cost you R0 in fees, and you will receive 951,822.92 KES. The delivery time usually is minutes - 24 hours, but it depends on the day you make the transfer.

For a great mix of cost, speed & features, we advise using TorFx for your South Africa to Kenya transfer.

TorFx is the top rated company for sending money from South Africa (ZAR) to Kenya (KES) - TorFx Screenshot 1
TorFx is the top rated company for sending money from South Africa (ZAR) to Kenya (KES) - TorFx Screenshot 2

Getting the best deal on your South Africa to Kenya transfer

Summary of recent searches

Top rated for transfers from South Africa to Kenya
TorFx
Total number of ZA - KE providers
3
Average cheapest fees & rate
Key Currency
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Considerations for money transfers from South Africa to Kenya

1
Compare providers

Comparing providers offering services between South Africa and Kenya, based on your specific needs is the best way to send money with confidence.

Our comparison includes 3 companies that provide the ability to send Rand to Kenya.

This ensures you get the best options for transfers to Kenya from South Africa, based on the amount you want to send.

2
Watch the Rand-Kenyan Shilling exchange rate
3
Choose the right payment method
4
Use providers regulated in Kenya and South Africa
5
Consider transfer limits
6
Receiving money in Kenya
7
Have your ID ready
8
Tax declarations

Cheapest way to transfer money to Kenya from South Africa: Key Currency

Key Currency offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Rand to Kenya.

Of the 3 providers compared, data shows that Key Currency is 0.02% cheaper than the second-best option.

The is cost is made up of ZAR-KES exchange rate that is 0.25% different to the mid-market rate and the a of 0 ZAR.

If you want to secure the best rates on a ZAR to Kenya transfer, Key Currency will result in the most Kenyan Shilling received.

Key Currency is the cheapest way to send money from South Africa (ZAR) to Kenya (KES) - Key Currency Screenshot

Fastest way to send money from South Africa to Kenya: Regency FX.

Regency FX is the quickest way to send Rand to Kenya of the 3 companies offering the service.

For example, if you send 130,000 ZAR with Regency FX to Kenya now, the transfer time is minutes - 24 hours. Smaller transfers will likely be quicker, while larger transfers to India can take a bit longer.

Using Regency FX for fast transfers from South Africa to Kenya has a fee of 0 ZAR.

Within our comparison we looked at the 3 money transfer providers offering transfers from South Africa to Kenya. Within this we looked at overall speed of sending money from South Africa to Kenya after depositing Rand to a money transfer account.

When faster money transfers are a priority, Regency FX is our recommended choice for sending into Kenya from South Africa.

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Kenya from South Africa needs a strong exchange rate and effective transfer management.

From the
3 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Kenya from South Africa.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Kenyan Shillings to Kenyan Shilling.

As such, we recommend Currencies Direct for large Kenya transfers.

Understanding the cost of sending money to Kenya from South Africa

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 ZAR-KES is 7.3396 KES per Rand.

  • Finding a provider offering an exchange as close to 7.3396 as possible will ensure more Kenyan Shilling received when transferring.

  • For context, the ZAR-KES mid-market rate for the past week has averaged 7.3455 KES per Rand. This includes a high of 7.3818, and low of 7.3024.

  • Key Currency currently offers the best exchange rate on transfers from South Africa to Kenya.

For the most part the ZAR-KES exchange rate you receive is the biggest factor impacting the cost of sending ZAR to Kenya.

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 South Africa, costing 0 ZAR 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 Rands to KES, paired with a low fee, means a higher total amount received in Kenya.

Getting best exchange rate for transfers between Rand and Kenyan Shilling

Timing is essential for transferring money between ZAR and KES. The exchange rate you secure impacts how much KES you get for your ZAR.

Mid-market Rate
1 
=
7.339570 
KES

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to KES has moved slightly. On average, it was 7.3455.

  • During this same period,there was a high of 7.3818, and a low of 7.3024.

  • TorFx, which is our recommended service to send money online from South Africa to Kenya offers 7.3217 KES per ZAR which is only 0.3% above the mid-market rate.

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

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from South Africa to Kenya!

Payment options for South Africa to
Kenya money transfers

  • Bank transfers

    Bank transfers are usually the best and easiest way to send money from South Africa to Kenya.

    By using a money transfer company such as Key Currency for transfers from South Africa 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.

    Key Currency is the cheapest money transfer company for bank transfers from the 3 we compared for transfers from ZAR into Kenya.

    With a fee of 0 ZAR to send money from South Africa to Kenya, Key Currency offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from South Africa to Kenya with a debit or a prepaid card is available through .


    is one of the cheaper options for debit card payments for transfers from South Africa to Kenya. This cost is against a total of 3 money transfer companies offering this option.

  • Credit cards

    When it comes to credit card transfers from South Africa 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.

How we analyze the market

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


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 South Africa to Kenya.


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

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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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