Send money to Nigeria from Kenya
Grey lets you send money from Kenya to Nigeria directly from your KES balance. Fund via M-Pesa or your Kenyan bank account. Your shillings convert to NGN at the live KES to NGN rate and land in your recipient's bank account. GTBank and other major institutions are supported. Transfers from a funded Grey balance typically arrive within minutes. Grey operates through Central Bank of Kenya-licensed partners.
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Send money from Kenya to Nigeria, straight to any bank account
A Nairobi-based business paying a Nigerian supplier or partner in naira. A Kenyan company with Lagos-based operations settling invoices. A professional in Nairobi with a Nigerian counterpart. Enter the 10-digit NUBAN account number, confirm the rate and fee, and send.
Your recipient does not need a Grey account. The NGN arrives in their bank account typically within minutes. No agent queues, no intermediary banks, no fees taken at the other end.
The total cost of a transfer is the conversion fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a large KES transfer, a 2% rate markup costs significantly more than a visible fee would. Grey shows both numbers on the same screen before you tap Send.
How to send money to Nigeria from Kenya
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Kenyan ID such as a 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
Enter your recipient's 10-digit NUBAN account number. Confirm the live KES to NGN rate and fee. Send. The money typically arrives within minutes.
How much does it cost to send money to Nigeria
Every transfer from Kenya to Nigeria involves two costs: the conversion fee and the exchange rate margin. Grey shows both before you confirm. The NGN amount your recipient receives is on screen before you tap Send. KES to NGN is a Group B currency pair, with a 1% conversion fee, uncapped.
How exchange rates work: KES to NGN
The KES to NGN exchange rate determines how many naira your recipient receives. On an intra-Africa business payment, the rate matters as much as the fee. Grey shows the live rate before you confirm. The rate on screen is the rate applied.
Grey charges a conversion fee of 1%, uncapped. The withdrawal fee is N35 flat (NIBSS to Nigerian bank account). Both are shown alongside the live rate before you commit. That is the complete cost.
Some providers advertise zero fees but recover their margin through the exchange rate. On a large KES transfer, a 2% rate markup costs significantly more than a visible fee would. Grey separates both numbers so the total cost is clear before you send.
How fast is each provider?
What your recipient sees in Nigeria
Your recipient does not need a Grey account. The NGN arrives in their bank account as a standard credit. It appears the same way any local transfer would.
Bank account delivery via NIBSS
Grey sends to GTBank, Access Bank, Zenith Bank, UBA, and First Bank. Enter the 10-digit NUBAN account number in the Grey app. Withdrawal fee: N35 flat.
Transfer speed
Transfers from a funded Grey balance typically arrive within minutes via NIBSS. Fund via M-Pesa and the transfer can be sent the same day.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to Nigeria for the first time or the fiftieth, Grey gives you three funding options
M-Pesa
Fund your Grey account via M-Pesa from your Safaricom line. The fastest and most convenient way to top up your KES balance in Kenya.
Kenyan bank account
Fund via bank transfer from Equity Bank, KCB Bank, Co-operative Bank, NCBA, Standard Chartered Kenya, or any major Kenyan bank.
Grey balance
If you already hold KES in your Grey balance, you can send without a new deposit. Fund your balance in advance and transfers go out immediately.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to Nigeria for every reason that matters
Intra-Africa business payments
A Nairobi-based business paying a Nigerian supplier, partner, or contractor in naira. A Kenyan company with West African operations settling invoices in Lagos. A startup in Nairobi paying a Nigerian developer or freelancer. Grey supports the KES to NGN corridor directly, without routing through USD.
East and West African trade
A Kenyan exporter settling a payment with a Nigerian buyer. A logistics company managing freight costs between Nairobi and Lagos. A trader in Mombasa paying a Nigerian supplier in local currency. Grey shows the KES amount debited and the NGN amount delivered before you confirm.
Professional and business services
A Kenyan media company paying Nigerian correspondents or contributors. A Nairobi tech company with a Nigerian development team paying monthly salaries in naira. A Kenyan NGO with West African programmes disbursing funds to Lagos. Grey supports NIBSS delivery to all major Nigerian banks.
Pan-African operations
A Kenyan company with Nigerian partners, staff, or vendors managing cross-border payroll between Nairobi and Lagos. Settling recurring invoices with Nigerian agencies or suppliers in local currency. Grey handles the KES to NGN conversion and NIBSS delivery end to end.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to Nigeria from Kenya
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money from Kenya to Nigeria?
Transfers from a funded Grey balance to Nigeria typically arrive within minutes. Fund your KES balance via M-Pesa and the transfer can be sent the same day.
What is the fee for sending money from Kenya to Nigeria?
Grey charges a conversion fee of 1%, uncapped on KES to NGN transfers. The withdrawal fee is N35 flat. Both are shown before you confirm.
What is the KES to NGN exchange rate today?
The live KES to NGN rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
How do I send money from Kenya to Nigeria with Grey?
Open a Grey account, verify your identity with a valid Kenyan ID, fund your KES balance via M-Pesa or bank transfer, enter your recipient's details, confirm the live KES to NGN rate and fee, and send.
Does my recipient in Nigeria need a Grey account?
No. Your recipient does not need a Grey account. The NGN arrives in their bank account as a standard credit.
Is Grey safe for sending money from Kenya to Nigeria?
Grey operates through Central Bank of Kenya-licensed banking partners. Grey is a financial technology company, not a bank.
Can I fund my Grey account using M-Pesa in Kenya?
Yes. Grey supports funding via M-Pesa from your Safaricom line. M-Pesa is the most convenient way to top up your KES balance in Kenya. You can also fund via bank transfer from any major Kenyan bank.
How much can I send from Kenya to Nigeria?
The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. Limits are shown in the Grey app before you send.
Can I send money from Kenya to Nigeria from a Grey balance?
Yes. If you hold KES in your Grey balance, you can send to Nigeria without waiting for a new deposit. Transfers from a funded balance begin within seconds.
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), and KES to GHS (Ghana).
How does Grey compare to a Kenyan bank wire to Nigeria?
Traditional bank wires from Kenya to Nigeria typically route through correspondent banks and take 3-5 business days with fees at each stage. Grey delivers within minutes directly without routing through USD at fees shown before you confirm.
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