A transfer has three costs: a deposit fee, a conversion fee and a send fee. Grey shows all three, and the naira amount your recipient receives, before you confirm. That makes the rate only one part of what a transfer from KES to NGN really costs.
Grey lists the deposit fee, the conversion fee and the send fee on separate lines, so you can see what each part of a transfer from KES to NGN costs. The exact naira amount for Nigeria is shown before you confirm. Grey supports transfers to GTBank, Access Bank, Zenith Bank, UBA, First Bank and all major Nigerian banks via NIBSS. Your recipient does not need a Grey account.