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Send money internationally from Kenya

Send money internationally from Kenya

Grey lets you send money internationally from Kenya to the US, UK, Europe, Nigeria, and Ghana directly from your KES balance. Fund via M-Pesa from your Safaricom line or from any major Kenyan bank. The live exchange rate and total fee are shown before you confirm. Most transfers arrive within minutes. Grey operates through Central Bank of Kenya-licensed partners.
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Send money internationally from Kenya

Grey is an international money transfer app built for people in Kenya who need to send money abroad. Fund your KES balance via M-Pesa , the way most Kenyans manage money , or via bank transfer from Equity Bank, KCB, Co-operative Bank, NCBA, or Standard Chartered Kenya. See the live exchange rate and fee before you send.

Grey operates through Central Bank of Kenya-licensed banking partners. Grey is a financial technology company, not a bank. Over 3 million people use Grey for international transfers and currency management.

Every transfer shows the full cost before you confirm. The exchange rate and the fee are on the same screen. What you see is what your recipient receives.

Grey foreign bank account in Ghana
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Kenyan national ID card or passport.
Fund
Fund your Grey KES balance via M-Pesa from your Safaricom line, or via bank transfer from any major Kenyan bank.
Send
Choose your destination, confirm the live exchange rate and fee, enter your recipient's details, and send. Most transfers arrive within minutes.

Which currencies does Grey support from Kenya?

Grey supports KES to USD transfers to the United States, KES to GBP to the United Kingdom, KES to EUR to 30 European countries via SEPA, KES to NGN to Nigeria, and KES to GHS to Ghana. All transfers show the live rate and fee before you confirm.
On speed
Send KES to GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Conversion fee capped at $6. Typically arrives within minutes.
On cost
Send KES to NGN directly to any Nigerian bank account via NIBSS, a direct intra-Africa corridor without routing through USD. GTBank, Access, Zenith, UBA, and First Bank supported. Typically arrives within minutes.
On transparency
KES to USD, GBP, and EUR transfers have a conversion fee capped at $6. KES to NGN and KES to GHS are direct intra-Africa corridors. Select your destination in the Grey app to see the live rate and exact fee for your transfer.

How much does it cost to send money abroad

Grey shows the exchange rate and the conversion fee separately before you confirm. What you see on screen is what your recipient receives. There is no adjustment after the fact.

On KES to USD, GBP, and EUR transfers the conversion fee is capped at $6 regardless of how much you send, so the cost does not scale with the amount.

The only accurate way to compare providers is to look at what your recipient actually receives in their local currency, not the advertised fee alone.

Send money from Kenya to United Kingdom
Send money from Kenya to United Kingdom
Send KES to GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Conversion fee capped at $6. Typically arrives within minutes.
Send money from Kenya to Nigeria
Send money from Kenya to Nigeria
Send KES to NGN directly to any Nigerian bank account via NIBSS , a direct intra-Africa corridor without routing through USD. GTBank, Access, Zenith, UBA, and First Bank supported. Typically arrives within minutes.
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Best way to send money internationally from Kenya

If total cost matters most
Calculate what your recipient actually receives in their local currency. Grey shows the conversion fee and exchange rate together before you confirm. Both numbers are on the same screen. Fund via M-Pesa and the transfer can be sent the same day.
If speed matters most
Transfers to the UK and Europe typically arrive within minutes via Faster Payments and SEPA. Transfers to the US take 1-2 business days via ACH. Nigeria and Ghana transfers arrive within minutes directly, without routing through USD.
If you need more than just transfers
Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.
CBK-licensed partners
Grey operates through Central Bank of Kenya-licensed banking partners. Grey is a financial technology company, not a bank. Every transfer is processed under Kenyan financial regulations.

What currencies can I send from Kenya with Grey?

Grey supports KES to USD (United States), KES to GBP (United Kingdom), KES to EUR (30 European countries via SEPA), KES to NGN (Nigeria via NIBSS), and KES to GHS (Ghana via bank account or MTN MoMo).

Send KES to USD to any US bank account via ACH. Group A currency pair, so the conversion fee is capped at $6 no matter the transfer size. See the live KES to USD rate and exact fee before you confirm.
Send KES to GBP directly to any UK bank account via Faster Payments. Group A currency pair with the conversion fee capped at $6. Transfers to the UK typically arrive within minutes once your KES balance is funded.
Send KES to EUR to 30 European countries via SEPA. Group A currency pair with the conversion fee capped at $6. The live rate and fee are shown before you tap Send, with no rate markup added after.
Send KES to NGN (Nigeria via NIBSS) and KES to GHS (Ghana via bank account or MTN MoMo). These are direct intra-Africa corridors that skip routing through USD, so your recipient receives more in their local currency.

How does M-Pesa funding work with Grey?

FAQs

Can I withdraw to M-Pesa from Grey?
expand
You can convert foreign currencies to KES on Grey and instantly withdraw to your mobile money account.
How do I get a foreign account on Grey in Kenya
expand
To get your foreign currency account, simply sign up for a Grey account with your basic details, verify your identity and request a USD, GBP or EUR account.
What can I do with a Grey foreign account?
expand
With a Grey foreign bank account, you get your international bank account number, routing number and SWIFT code to complete any international bank transaction with ease.
What countries can I send money to from Kenya with Grey?
expand
Grey supports KES to USD (United States), KES to GBP (United Kingdom), KES to EUR (30 European countries via SEPA), KES to NGN (Nigeria), and KES to GHS (Ghana). All transfers show the live rate and fee before you confirm.
How do I send money internationally from Kenya with Grey?
expand
Open a free Grey account, verify your identity with a valid Kenyan ID, fund your KES balance via M-Pesa or bank transfer, confirm the live exchange rate and fee, enter your recipient's details, and send.
Can I fund my Grey account using M-Pesa in Kenya?
expand
Yes. Grey supports funding via M-Pesa from your Safaricom line. M-Pesa is the most convenient way to top up your KES balance. You can also fund via bank transfer from Equity Bank, KCB Bank, Co-operative Bank, NCBA, or Standard Chartered Kenya.
What are the fees for sending money from Kenya?
expand
Grey charges a conversion fee of 1% capped at $6 for USD, GBP, and EUR transfers, and 1% uncapped for NGN and GHS. The withdrawal fee varies by destination. All fees are shown before you confirm.
How long does an international transfer from Kenya take?
expand
Transfers to the UK and Europe typically arrive within minutes via Faster Payments and SEPA. Transfers to the US take 1-2 business days via ACH. Nigeria transfers arrive within minutes via NIBSS. Ghana transfers arrive within minutes to bank accounts or MTN MoMo.
Is Grey regulated in Kenya?
expand
Grey operates through Central Bank of Kenya-licensed banking partners. Grey is a financial technology company, not a bank. All transfers are processed under Kenyan financial regulations.
What is the exchange rate Grey uses for transfers from Kenya?
expand
Grey uses a live exchange rate shown in the app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Both the rate and fee are shown separately before you send.
How much can I send internationally from Kenya with Grey?
expand
The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. Per-transfer limits vary by corridor and are shown in the Grey app.
Does Grey support intra-Africa transfers from Kenya?
expand
Yes. Grey supports KES to NGN transfers to Nigeria and KES to GHS transfers to Ghana, both handled directly without routing through USD or GBP. These are among the few direct intra-Africa corridors available.
Can Kenyan businesses use Grey for international payments?
expand
Yes. Grey supports business payments from Kenya to the US, UK, 30 European countries, Nigeria, and Ghana. Payments go to bank accounts without requiring a separate business account.
Which Kenyan banks does Grey support for deposits?
expand
Grey supports deposits from Equity Bank, KCB Bank, Co-operative Bank, NCBA, Standard Chartered Kenya, and all major Kenyan banks. M-Pesa funding is also supported for maximum convenience.

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