Send money from 🇺🇸 United States to 🇰🇪 Kenya
To send $100 from United States to Kenya, WorldRemit has the lowest total cost we recorded: -0.59%, fees and exchange-rate margin combined, measured against the interbank rate. 6 providers compared below, each with its collection date.
Providers recorded
Rates collected automatically · latest reading November 5, 2026 at 12:04 AM
- BESTWorldRemit
You receive
KES 13,075
- Fee
- Free
- Rate
- 130.7475
- Total cost
- -0.59%
- likely a promotional offer
Choosedirect link — not affiliated
02InstaReM
Total cost 0.80% · Fee Free
KES 12,894
-KES 181
Senddirect link — not affiliated
03Remitly
Total cost 1.54% · Fee Free
KES 12,798
-KES 277
Senddirect link — not affiliated
04Wise
Total cost 3.63% · Fee $3.61
KES 12,526
-KES 549
Sendpaid link
05Xoom
Total cost 6.80% · Fee $2.99
KES 12,113
-KES 961
Senddirect link — not affiliated
Total cost 7.32% · Fee $5.99
KES 12,046
-KES 1,029
Senddirect link — not affiliated
| Provider | Rate | Fee | Total cost | You receive | |
|---|---|---|---|---|---|
BEST | 130.7475 | Free | -0.59% likely a promotional offer | KES 13,075 | Choose direct link — not affiliated |
InstaReM -KES 181 vs best | 128.941 | Free | 0.80% | KES 12,894 | Send direct link — not affiliated |
Remitly -KES 277 vs best | 127.98 | Free | 1.54% | KES 12,798 | Send direct link — not affiliated |
Wise -KES 549 vs best | 129.95 | $3.61 | 3.63% | KES 12,526 | Send paid link |
Xoom -KES 961 vs best | 124.8668 | $2.99 | 6.80% | KES 12,113 | Send direct link — not affiliated |
Western Union -KES 1,029 vs best | 128.1307 | $5.99 | 7.32% | KES 12,046 | Send direct link — not affiliated |
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
Why this ranking: details for the 6 providers
WorldRemit
KES 13,075 for $100 • -0.59% total cost
Below-zero cost: this quote's rate beat the interbank rate we recorded. This is usually a promotional offer (first transfer) — check the price on the provider's site.
What the figures show
- No fee stated on this corridor
- Lowest total cost recorded on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 5, 2026 at 12:04 AM.
direct link — not affiliated
InstaReM
KES 12,894 for $100 • 0.80% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 10:22 PM.
direct link — not affiliated
Remitly
KES 12,798 for $100 • 1.54% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 5, 2026 at 12:04 AM.
direct link — not affiliated
Wise
KES 12,526 for $100 • 3.63% total cost
What the figures show
- Exchange rate in line with the interbank rate
- Delivery stated in under an hour
- Mobile money payout available
Findings computed from the prices recorded on November 5, 2026 at 12:04 AM.
paid link
Xoom
KES 12,113 for $100 • 6.80% total cost
What the figures show
- Flat fee, whatever the amount sent
- Mobile money payout available
- Cash pickup available
- 3.9% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 11:24 PM.
direct link — not affiliated
Western Union
KES 12,046 for $100 • 7.32% total cost
What the figures show
- Mobile money payout available
- Cash pickup available
Findings computed from the prices recorded on November 5, 2026 at 12:04 AM.
direct link — not affiliated
Is this a good price? The official benchmark
On this corridor, sending USD 200 or the equivalent costs 4.26 % on average — fees and exchange-rate margin included, across all operators.
Our cheapest recorded offer is -0.59 %, which is 4.85 points below the corridor average.
Average: Banque mondiale — Remittance Prices Worldwide, 2025-Q3 survey. Check on the source's own site
Mid-market rate: 1 USD = 129.9759 KES — collected on November 5, 2026 at 12:04 AM, source open.er-api.com.
Provider quotes collected on November 4, 2026 at 10:22 PM.
Ranked by increasing total cost — fees and exchange-rate margin combined, measured against the mid-market rate. Affiliate revenue plays no part in this ranking.
Sources of the quotes on this page: API de comparaison publique de Wise, Calculateur public Remitly, Calculateur public WorldRemit, Catalogue de prix public Western Union.
Remitly, WorldRemit and Western Union are collected directly from their own calculators; the other providers come from the public comparison interface published by Wise. Wise appears in this comparison and is the only provider we earn a commission from.
Check the final price with the provider before sending: a quote may have changed since we collected it.
Options for Kenya
Mobile money available
Direct delivery to a mobile wallet (M-Pesa): the recipient needs no bank account. Check on the provider's site which wallets are accepted.
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Banking access
90% of adults have an account, at a bank or with mobile money — World Bank, Findex 2025 · mobile money: M-Pesa (dominant)
Tips for sending money from United States to Kenya
- 1
Use mobile money: to Kenya, money can be delivered straight to M-Pesa. A mobile wallet works without a bank account.
- 2
Compare the margin on the exchange rate, not just the stated fees: that is where most of the cost sits. On the corridors we record, the best bank ranges from 0.6% to 5.2% of the amount sent — sometimes cheaper than a specialist, sometimes not.
- 3
Avoid sending at weekends: exchange rates are less favourable. Prefer business days for your transfers.
FAQ — Send money from United States to Kenya
What is the best way to send money from United States to Kenya?
The best method depends on the amount and the speed you need. Wise is generally cheapest for bank transfers. WorldRemit and Remitly send directly to mobile money. Western Union and MoneyGram suit cash pickup within minutes. Compare the recorded rates in the table above.
How long does it take to send money from United States to Kenya?
Delivery times differ by provider and by payout method. When a provider states an estimate, we show it in the table; when it states none, we say so rather than guess.
What are the fees for a transfer from United States to Kenya?
The total cost combines the stated fee and the margin applied to the exchange rate. It varies by corridor, by provider and by amount — which is why we record a quote for several amounts rather than quoting a single figure. The table above shows the recorded cost for this corridor, with its collection date.
Can I send money directly to a mobile phone in Kenya?
Yes. Kenya has a well-developed mobile money network. WorldRemit and Remitly send directly to the country's mobile wallets.
Beware of scams
TransfertCompare is an independent comparison site. We will never contact you by phone, email or SMS asking for money or personal information. Beware of offers that seem too good to be true. Only use providers listed on our site, and always check you are on the provider's official website before making a transfer.