Grey lets you send money from Kenya to Romania directly from your KES balance. Fund via M-Pesa or your Kenyan bank account. Your shillings convert to euros at the live KES to EUR rate and land in your recipient's Romanian bank account via SEPA. Banca Transilvania, BCR, and BRD Societe Generale are all 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 Romania, straight to any bank account
When you send money to Romania through Grey, your KES balance converts to EUR at the live rate and arrives directly in your recipient's Romanian bank account. Banca Transilvania, BCR, and BRD Societe Generale are all supported via SEPA. Enter your recipient's IBAN, confirm the rate and fee, and send.
Your recipient does not need a Grey account. The euros arrive in their banking app typically within minutes. No branch visits, no correspondent bank fees, no delays 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. Grey shows both numbers on the same screen before you tap Send.
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 your Grey KES balance via M-Pesa from your Safaricom line, or via bank transfer from any major Kenyan bank.
Enter your recipient's Romanian bank account IBAN. Confirm the live KES to EUR rate and fee. Send. The euros typically arrive within minutes via SEPA.
Every transfer from Kenya to Romania involves two costs: the conversion fee and the exchange rate margin. Grey shows both before you confirm. The EUR amount your recipient receives is on screen before you tap Send. KES to EUR is a Group A currency pair, which means Grey's conversion fee is capped at $6 regardless of the transfer amount. On a large transfer, the effective fee percentage drops well below 1%.
The KES to EUR exchange rate determines how many euros your recipient receives. On a large shilling transfer, a 1% difference in the rate changes the euro amount meaningfully. Grey shows the live rate before you confirm. The rate on screen is the rate applied. No adjustment after you send.
Grey charges a conversion fee of 1%, capped at $6. The withdrawal fee is 0.5% of the transfer amount, minimum €2, capped at €10. Both are shown alongside the 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 transparent fee would. Grey separates both numbers so the total cost is clear before you send.
How fast is each provider?
Your recipient does not need a Grey account. The euros arrive in their Romanian bank account as a standard SEPA credit. It appears the same way any domestic European transfer would.
Bank account delivery via SEPA
Grey sends to major Romanian banks including Banca Transilvania, BCR, and BRD Societe Generale. Enter your recipient's IBAN in the Grey app. Withdrawal fee: 0.5% of the transfer amount, minimum €2, capped at €10.
SEPA and SEPA Instant
Grey routes transfers to Romania via SEPA. SEPA Instant settles in under 10 seconds where available. Standard SEPA transfers typically arrive within minutes.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
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.
Support family in Europe
Romania is a growing destination for Kenyan students and tech professionals. A parent in Nairobi covering a child's monthly living costs in Bucharest. A family in Mombasa sending regular support to a sibling working abroad. On a recurring transfer, the rate Grey shows before you confirm is the rate applied.
Education and university fees
Paying tuition fees at a Romanian university from a salary in Nairobi. Covering semester fees due on a fixed date. Sending monthly allowance to a student in Bucharest. Grey shows the KES amount debited and the EUR amount received before you confirm.
Business and supplier payments
A Nairobi-based business settling invoices with a Romanian supplier or partner in euros. A Kenyan startup paying for Romanian-based software, services, or contractors. A company managing regular EUR payables to a European counterpart. Grey supports SEPA transfers to Romanian bank accounts without requiring a separate business account.
Move or settle abroad
A Kenyan professional relocating to Bucharest and covering initial costs from Kenya. Funding a Romanian bank account before arriving. Sending a salary instalment ahead of a move. Fund via M-Pesa in Kenya and the transfer can be sent the same day. Grey shows the exact EUR amount before you send.
FAQs
How long does it take to send money from Kenya to Romania?
Transfers from a funded Grey balance to Romania typically arrive within minutes via SEPA. SEPA Instant settles in under 10 seconds where available. Fund via M-Pesa and the transfer can be sent the same day.
What is the fee for sending money from Kenya to Romania?
Grey charges a conversion fee of 1%, capped at $6, on KES to EUR transfers. The withdrawal fee is 0.5%, minimum €2, capped at €10. Both are shown before you confirm.
Which Romanian banks does Grey support?
Grey supports transfers to major Romanian banks including Banca Transilvania, BCR, and BRD Societe Generale. Enter your recipient's IBAN in the Grey app.
What is the KES to EUR exchange rate today?
The live KES to EUR 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.
Does my recipient in Romania need a Grey account?
No. Your recipient does not need a Grey account. The euros arrive in their Romanian bank account as a standard SEPA credit.
Is Grey safe for sending money from Kenya to Romania?
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 via 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. You can also fund via bank transfer from any major Kenyan bank.
What is SEPA and how does it work for transfers from Kenya to Romania?
SEPA is the Single Euro Payments Area, connecting banks across Europe. Grey routes KES to EUR transfers through SEPA, which delivers to your recipient's Romanian bank account as a standard euro credit.
Can I send money from Kenya to Romania from a Grey balance?
Yes. If you hold KES in your Grey balance, you can send to Romania without waiting for a new deposit. Transfers from a funded balance begin within seconds.
How much can I send from Kenya to Romania?
The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. All limits are shown in the Grey app before you send.
How does Grey compare to a Kenyan bank wire to Romania?
Traditional bank wires from Kenya to Romania route through correspondent banks and take 3-5 business days. Grey delivers via SEPA within minutes at a capped conversion fee of $6 and a withdrawal fee shown before you confirm. Fund via M-Pesa and avoid bank wire fees entirely.
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