How to send money to Philippines from Kenya with the best KES-PHP rate

Compare the best ways to send money from Kenya to the Philippines. Find the cheapest, fastest, and most reliable providers with the best KES to PHP exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to Philippines from Kenya.

Transferring the other way? Send PHP from Philippines to Kenya instead.
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November 14th, 2025

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Best money transfer companies

Send money from Kenya to Philippines

Last updated: Today
Mid-market rate as of 11/14/2025: 1 KES = 0.457508 PHP
Results below are based on a 33000 KES search
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0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (PHP)
₱14,341.57
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
2
MoneyGram Agent
Recipient gets (PHP)
₱14,341.57
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
3
PayPal App
Recipient gets (PHP)
₱14,190.18
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes

Alternative for Kenya to Philippines

While you can’t send KES to PHP with Wise, you can transfer USD to USD.

"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."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

The best way to send KES to Philippines is through a cash transfer with Western Union.

Western Union offers broad coverage across Kenya and Philippines, making it a reliable option.

Transfer fees vary depending on the branch and the amount you send, but you can generally expect to pay around 3 KES per 33,000 KES transferred.

Before sending, check which deposit options are available in your area. In many cases, you can fund your transfer online in KES, while the recipient collects PHP in cash at a local branch.

If you’re looking for alternatives, MoneyGram also offers competitive cash pickup services.

How to compare deals on Kenya to Philippines money transfers

Summary of recent searches

Top rated for transfers from Kenya to Philippines
Western Union Agent
Total number of KE - PH providers
3
Average cheapest fees & rate
Western Union Agent
Average fastest transfer
PayPal App
Average transfer time
Within minutes
Best for bank transfers
Western Union Agent
Best for debit card
PayPal App
Best for credit card
PayPal App

Understanding Kenya to Philippines money transfers

1

Comparing providers

Comparing providers when sending money from Kenya to the Philippines is the easiest way to make a transfer at the best price.

We’ve compared 3 providers for sending Kenyan Shilling to Philippines. This ensures you will get the best options for your transfer to the Philippines from Kenya.

We rate Western Union Agent as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Kenya to the Philippines.

2

Get ahead of the Kenyan Shilling-Philippine Peso exchange rate

3

Choosing the right payment method

4

Financial regulators in Kenya and Philippines

5

Consider transfer limits

6

Receiving money in Philippines

7

Have your ID ready

8

Tax declarations

The fastest way to to send KES to Philippines is using PayPal (P2P Transfer)

If you and your recipient both have the PayPal app, the transfer is instant.

However, the withdrawal time from the PayPal account to the bank account or mobile wallet could take some time (from minutes to couple of days depending on the amount and account status).

With the limited KES/PHP transfer options, this is one of the fastest options you have.

Alternatively, you may want to consider sending cash via Western Union or MoneyGram.

Screenshot

Fastest money transfers from Kenya to Philippines: cash transfer via MoneyGram Agent

The quickest way to send money from Kenya to Philippines is through a cash transfer with a MoneyGram Agent.

In most cases, cash transfers are processed instantly, allowing your recipient to collect PHP within minutes.

In some cases, transfer times can vary depending on the amount sent and the branch you use, with larger transfers occasionally taking up to 24 hours to process.

Given the limited number of providers supporting KES to PHP transfers, MoneyGram remains the fastest and most reliable option for cash pickups in Philippines.

Transfer a large sum of money

When sending large amounts of Kenyan Shilling to the Philippines it’s best to pick a company with higher maximum limits on exchange rates and send amounts.

From
3 money transfer companies compared, Western Union Agent is the best option for large transfers from Kenya to the Philippines.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Kenya to the Philippines can become expensive if you use a bank, or the wrong provider.

Western Union Agent is the top choice for sending large sums of money to the Philippines from Kenya because they offer a strong service and competitive exchange rates.

Understanding the cost of moving money from Kenya to Philippines

The total cost of sending money to the Philippines from Kenya, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for KES-PHP is 0.4558 PHP per Kenyan Shilling.

  • Finding a company offering an exchange rate closer to this will mean more Philippine Peso for your Kenyan Shilling.

  • The average KES-PHP mid-market rate for the last 7 days has been 0.4575 PHP per Kenyan Shilling. This includes a high of 0.4575, and low of 0.4575.

  • Out of the 3 companies compared, Western Union Agent offers the best exchange rates.

  • The exchange rate you receive on converting KES to PHP should be the biggest determining cost factor when transferring Kenyan Shilling to the Philippines.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Western Union Agent has a fee of 3 KES per transfer (which is the cheapest option right now for a KSh33,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Philippine Peso eventually received in the Philippines.

A lower cost of sending from Kenya will result in more money received in the Philippines.

Getting the best exchange rate for Kenyan Shilling to Philippine Peso

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

Mid-market Rate
1 
KES
=
0.455847 
PHP

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

  • Over the past 7 days, the interbank rate from KES to PHP has seen some fluctuation. On average, it has been 0.4575.

  • During this period, the highest value level was 0.4575, with a low of 0.4575.

  • Western Union Agent, which is our recommended service to send money online from Kenya to Philippines offers an exchange rate that is only 5% above the mid-market rate.

Want to secure the best KES-Philippine Peso exchange rates?

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

Payment options for transfers from Kenya to
Philippines

  • Bank transfers

    Bank transfers are often the fastest and cheapest way to send money from Kenya to the Philippines.

    Using a money transfer company such as Western Union Agent for payments from Kenya to the Philippines, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    Western Union Agent is the best money transfer provider for bank transfers of the 3 we compared when sending KES to the Philippines.

    With a fee of 3 KES to transfer money from Kenya to the Philippines, Western Union Agent offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money with a debit card from Kenya to the Philippines is easy with Western Union Agent.


    Western Union Agent is a leader in debit card money transfers from Kenya to the Philippines. They are the best option of the 3 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Kenya to the Philippines, we recommend comparing your options to get the best deal.

    Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

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


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


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

Money transfer company reviews

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Are there any minimum or maximum transfer amounts for sending money from Kenya to Philippines?
Can I schedule regular transfers between Kenya and Philippines?

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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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