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How to send money to Kenya from US with the best USD-KES rate

Compare the best deals on transfers from the United States to Kenya. Explore the cheapest, fastest, and most reliable providers with the best USD to KES exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Kenya from United States.

Transferring the other way? Send KES from Kenya to United States instead.
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July 6th, 2025
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Best money transfer companies

Send money from United States to Kenya

Last updated: Today
Mid-market rate as of 07/06/2025: 1 USD = 129.193021 KES
Results below are based on a 7000 USD search
0 of 10 providers
Sponsored
Wise
Recipient gets (KES)
KES 894,205.00
Full transfer details
Visit Wise
KES 16,984 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (KES)
KES 901,909.40
Full transfer details
Visit Regency FX
KES 24,689 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
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (KES)
KES 902,090.27
Full transfer details
Visit Key Currency
KES 24,870 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 901,909.40
Full transfer details
Visit Regency FX
KES 24,689 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
3
Wise
Recipient gets (KES)
KES 894,205.00
Full transfer details
Visit Wise
KES 16,984 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
4
Remitly
Recipient gets (KES)
KES 889,350.00
Full transfer details
Visit Remitly
KES 12,129 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Panda Remit
Recipient gets (KES)
KES 901,122.87
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • PayPal
    PayPal
    Recipient gets (KES)
    KES 832,581.84
    Not recommended
Sponsored
Wise
Recipient gets (KES)
KES 894,205.00
Full transfer details
Visit Wise
KES 16,984 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (KES)
KES 901,909.40
Full transfer details
Visit Regency FX
KES 24,689 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: Wise

Wise is our recommended company for transferring US Dollar to Kenya.

We tested & reviewed 10 transfer providers, and Wise scored highly.

Sending 7,000 USD to KES will cost you $78.91 in fees, and you will get 894,205 KES. The delivery time is next day, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your United States to Kenya transfer using Wise.

Wise is the top rated company for sending money from United States (USD) to Kenya (KES) - Wise Screenshot

How to compare deals on your United States to Kenya transfer

Summary of recent searches

Top rated for transfers from United States to Kenya
Wise
Total number of US - KE providers
10
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 United States to Kenya

1
Compare providers

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

Our comparison includes 10 companies that provide the ability to send US Dollar to Kenya.

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

2
Watch the US Dollar-Kenyan Shilling exchange rate
3
Choose the right payment method
4
Use providers regulated in Kenya and United States
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 the United States: Key Currency

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

Of the 10 providers compared, data shows that Key Currency is 0.02% cheaper than the second-best option.

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

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

Key Currency is the cheapest way to send money from United States (USD) to Kenya (KES) - Key Currency Screenshot

Fastest way to send money to Kenya from the United States: Regency FX

We compared 10 companies and found Regency FX offers the fastest money transfers between the United States and Kenya.

The transfer time is minutes - 24 hours with Regency FX for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Kenyan Shilling transfer through Regency FX comes with a 0 USD fee (based on a $7,000 transfer).

To ensure Regency FX was the 'fastest' option we compared 10 providers. This comparison was for overall speed of sending money from the United States to Kenya and is a combination of depositing US Dollar, transfer times to Kenya and withdrawal timeframes where applicable.

When speed is a priority, Regency FX is the top choice for sending into Kenya from the United States.

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Kenya from the United States needs a strong exchange rate and effective transfer management.

From the
10 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Kenya from the United States.

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 United States

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 USD-KES is 129.193 KES per US Dollar.

  • Finding a provider offering an exchange as close to 129.193 as possible will ensure more Kenyan Shilling received when transferring.

  • For context, the USD-KES mid-market rate for the past week has averaged 129.2357 KES per US Dollar. This includes a high of 129.4223, and low of 129.193.

  • Wise currently offers the best exchange rate on transfers from the United States to Kenya.

For the most part the USD-KES exchange rate you receive is the biggest factor impacting the cost of sending USD 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 the United States, costing 0 USD 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 US Dollars to KES, paired with a low fee, means a higher total amount received in Kenya.

Finding the best exchange rate for US Dollar to Kenyan Shilling

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

Mid-market Rate
1 
=
129.193021 
KES

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to KES averaged 129.2357 KES.

  • The highest value recorded was 129.4223 KES, while the lowest was 129.193 KES.

  • There are currently 10 providers offering transfers between the United States and Kenya close to this rate

Want to secure the best USD-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 United States to Kenya!

Payment options for United States to
Kenya money transfers

  • Bank transfers

    Bank transfers are usually the best and easiest way to send money from the United States to Kenya.

    By using a money transfer company such as Key Currency for transfers from the United States 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 10 we compared for transfers from USD into Kenya.

    With a fee of 0 USD to send money from the United States to Kenya, Key Currency offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from the United States 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 the United States to Kenya. This cost is against a total of 10 money transfer companies offering this option.

  • Credit cards

    When it comes to credit card transfers from the United States 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 United States.


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 United States to Kenya.


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