There is a growing demand for sending money from Kenya to the United States, driven by a more connected world and increasingly global lifestyles. Today, more Kenyans, students, business owners, remote workers, freelancers, and families are transferring money abroad, particularly in US dollars (USD), to cover tuition fees, pay for international services, support loved ones, or settle cross-border transactions.

This article highlights the cheapest and easiest ways to do so, focusing on digital solutions that suit Kenya’s tech-savvy environment. Grey is the top choice, offering virtual USD accounts, low fees, and easy transfers.

Also read: Cheapest and fastest way to send money from the UK to Kenya

Top reasons for sending USD from Kenya to the USA

1. Paying for international services: Many Kenyans pay freelancers, educational institutions, or subscription services in the US for business or personal purposes.
2. Education payments: Many Kenyan students study in U.S. universities and colleges. Parents and sponsors frequently send USD to cover tuition fees, accommodation, and living expenses.
3. Family support; Some Kenyans have family members or relatives living temporarily in the U.S. who may require occasional financial support, especially during emergencies or transitions.
4. Travel expenses: In cases of overseas medical treatment or planned travel, Kenyans may need to send USD for hospital deposits, visa processing, or other international fees.

Also read: Grey vs. local banks: The best currency exchange method in Kenya.

How to send USD from Kenya to the USA

1. Wise allows users to send money internationally at real exchange rates with low fees. You can fund the transfer using your Kenyan bank account or debit card. The recipient in the USA gets the amount directly into their bank account in USD. It’s one of the most transparent and cheapest legal options.
2. PayPal: This is a simple method if both sender and recipient have PayPal accounts. Alternatively, you can use PayPal's Xoom service to send money to a US bank account. Fees vary based on the funding source and amount.
3. Bank transfers: Some Kenyan banks, like Equity Bank or KCB, support international wire transfers through SWIFT. While secure, this method is often slower (2–5 days) and can be expensive due to high transfer and intermediary bank fees.
4. Grey: Grey is a digital solution that provides US bank accounts to Africans. You can deposit funds in Kenya (e.g., via MPESA or bank transfer) and transfer money to a recipient’s US account. It’s increasingly popular for freelancers and remote workers due to low fees and speed.

Also read: The best USD savings accounts for African remote workers and digital nomads.

Final thoughts

With affordable and efficient solutions now available, sending USD to the USA is easier than ever. Grey offers low fees, fast transfers, and easy integration with local payment methods.

Create your free Grey account today and experience seamless, cost-effective cross-border payments.

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