Send money from Kenya to Canada
Ask anyone in Nairobi who sends to Toronto regularly and they'll tell you the same thing: the rate matters more than the fee. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months.
KES
CAD
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How Kenyan senders reach Canada
Start from the recipient's side. Someone in Toronto needs a fixed sum in Canadian dollars by a fixed date, and they bank with RBC or another local bank. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months.
Grey works backwards from that: enter the CAD figure, see the KES cost from Nairobi, and send. The rate holds.
How sending to Canada works
Sign up
One national ID or passport and a few minutes is all it takes to open Grey in Nairobi. Grey works with licensed partners in Kenya.
Fund
Move shillings in by M-Pesa or bank transfer from KCB, Equity, Co-operative Bank, NCBA or M-Pesa. Or send from USD, EUR or GBP you already hold on Grey.
Send
Pick Interac e-Transfer for instant delivery, or bank transfer with transit and account number for next business day. Confirm CAD, send.
Two numbers, both shown first
With Grey, a sender in Nairobi sees three numbers before confirming: the KES debited, the fee, and the CAD that reaches Toronto. None of them change afterwards.
CAD amount held from send to settlement
Enter the CAD amount first if the recipient's figure is what matters. Grey shows the KES cost from Nairobi and locks it.
The person at RBC sees exactly the sum you agreed.
The corridor most banks won't touch
Between Nairobi and Toronto, the problem is well known. Bank transfers to Canada clear next business day with an 18:00 Eastern cutoff. Interac e-Transfer is instant, any day. For a student whose rent is due tomorrow, that's the difference. From Nairobi, Grey does the conversion transparently and delivers CAD as a domestic credit at RBC or any other bank.
What your recipient sees in Toronto
The CAD posts directly to the recipient's own account at any Canadian bank, including RBC, TD, Scotiabank, BMO, CIBC. To them it looks like a domestic credit. The sender in Mombasa sees it settle in the app.
Works with every Canadian bank
From RBC to the smallest regional lender.
Looks local to them
A CAD deposit on their statement, nothing more.
Grey optional on their side
Unless they want GreyTag, which is instant and free.
Topping up in Nairobi
Top up in shillings from your bank app, or leave a small standing balance if you send to Toronto more than once a month. Kenyans top up by M-Pesa or bank transfer from KCB, Equity or Co-operative Bank. Nairobi's dollar-earning tech and NGO workforce can send from USD directly.
Bank transfer
KCB, Equity, Co-operative Bank, NCBA or M-Pesa to your Grey KES account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the Canada transfer directly.
Wallet balance
Convert and send the same minute.
For a Kenyan sender, being able to convert to CAD at the exact moment you choose is worth more than any fee saving.
Who sends from Kenya to Canada
Urgent transfers
Interac e-Transfer lands instantly when something cannot wait a business day.
Parents of students
Rent and living costs for students at U of T, York, Calgary, Alberta, Manitoba and colleges across Ontario.
New permanent residents
Support for family who have landed through Express Entry or PNP and are waiting on a first job.
Tuition instalments
Term payments sent to a student's account for onward payment to the institution.
Nairobi's tech and NGO workforce is paid in dollars, and Kenyans send abroad for study, trade and family. On the Canada side, the picture is this. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months.
The case for Grey on this route
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