MoneyTransfers

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

Find money transfer deals for sending money from Kenya to Nigeria. Compare the cheapest, fastest, and most reliable providers with the best KES to NGN exchange rates.

Read on for the best deals, expert information, and easiest ways to send money to Nigeria from Kenya.

Transferring the other way? Send NGN from Nigeria to Kenya instead.
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June 17th, 2025
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How to send money from Kenya to Nigeria

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

How to compare deals on Kenya to Nigeria money transfers

Sending money from Kenya to Nigeria: key insights and tips

1
Compare all the options

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

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

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

Cheapest way to send money from Kenya to Nigeria

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

We would recommend using:

Understanding the costs involved when moving money from Kenya to Nigeria

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

The Mid-Market Rate: Today, the KES-NGN mid-market rate equals to 11.9176. Keep in mind that this rate fluctuates all the time.

The KES-NGN average exchange rate of the past week has been 12.2239, with a highest of 13.0048 and a lowest of 11.5397.

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

Getting the best exchange rate for Kenyan Shilling to Naira

Tracking the mid-market rate can make a huge difference when sending money KES to NGN. The exchange rate you secure impacts how much NGN you get for your KES.

Mid-market Rate
1 
=
11.917577 
NGN

Here's some data on recent trends in the mid-market rate.

  • Over the past 7 days, the interbank rate from KES to NGN has seen some fluctuation. On average, it has been 12.2239.

  • During this period, the highest value level was 13.0048, with a low of 11.5397.

  • Wise, which is our recommended service to send money online from Kenya to Nigeria offers an exchange rate that is only 0.27% above the mid-market rate.

Want to secure the best KES-Naira exchange rates?

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

  • Sending bank transfers from Kenya to Nigeria

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

    If you want to send Kenyan Shillings to Nigeria 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 Kenya to Nigeria 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 Kenyan Shillings to Nigeria 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 Kenya to Nigeria by payment apps

    If you’d like to send money from Kenya to Nigeria 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 Kenya to Nigeria.

    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 Nigeria in Naira 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 Kenya to Nigeria 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 KES to NGN 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 KES to NGN is 11.9176

How we analyze the market

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


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 Kenya to Nigeria.


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


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

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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