Send money to Kenya from Nigeria
Grey lets you send money from Nigeria to Kenya directly from your NGN balance. The live NGN-to-KES rate and total fee are shown before you confirm. M-Pesa and other major institutions are supported. Transfers from a funded Grey balance typically arrive in under a minute (M-Pesa). Grey operates through CBN-licensed banking partners.
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Send money from Nigeria to Kenya, straight to any bank account or M-Pesa wallet
When you send money from Nigeria through Grey, your NGN balance converts to KES at the live rate and lands directly in your recipient's bank account or M-Pesa wallet. M-Pesa, Equity Bank, KCB Bank, Co-operative Bank, and Standard Chartered Kenya are all supported. Confirm the rate and fee, and send.
Your recipient does not need a Grey account. The KES arrives typically in under a minute (M-Pesa). No branch visits, no intermediary banks, no delays at the other end.
The total cost of a transfer is the 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.
How to send money to Kenya from Nigeria
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Nigerian ID. Grey operates through CBN-licensed banking partners.
Fund
Fund your Grey NGN balance via bank transfer or Direct Debit from your Nigerian bank account, or send directly from an existing Grey balance.
Send
Enter your recipient's M-Pesa number or Kenyan bank account details. Confirm the live NGN-to-KES rate and fee. Send. M-Pesa transfers typically arrive in under a minute.
How much does it cost to send money to Kenya
Every transfer from Nigeria to Kenya involves two costs: the conversion fee and the exchange rate margin. Grey shows both before you confirm. The KES amount your recipient receives is on screen before you tap Send. NGN-to-KES is a Group B currency pair, which means Grey's conversion fee is 1% uncapped.
How exchange rates work: NGN to KES
The NGN-to-KES exchange rate determines how much your recipient receives. On a large NGN transfer, a 1% difference in the rate is meaningful. 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 $0.50 M-Pesa / $0.65 bank. 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 transfer, a 2% rate markup costs more than a visible fee would. Grey separates both so the total cost is clear before you send.
How fast is each provider?
Grey delivers to M-Pesa in under a minute and to Kenyan bank accounts within minutes from a funded balance. This is one of the few direct NGN-to-KES routes available without intermediate currency conversion.
What your recipient sees in Kenya
Your recipient does not need a Grey account. The KES arrives as a standard creditvia M-Pesa or their bank account. It appears the same way any domestic Kenyan transfer would.
M-Pesa delivery
Send directly to your recipient's M-Pesa wallet using their registered Safaricom number. Transfers typically arrive in under a minute. Withdrawal fee: $0.50 flat.
Bank account delivery
Grey sends to Equity Bank, KCB Bank, Co-operative Bank, NCBA, and Standard Chartered Kenya. Enter the account number in the Grey app. Withdrawal fee: $0.65 flat.
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 Kenya for the first time or the fiftieth, Grey gives you three funding options
Grey balance
If you already hold USD, GBP, or EUR in your Grey balance, you can send without a deposit step. Fund your balance in advance, and transfers go out immediately.
Bank transfer
Fund via bank transfer from your Nigerian bank account. Grey supports deposits from all major Nigerian banks.
Direct Debit
Fund via Direct Debit from your Nigerian bank account. Fee: 0.5% + N60. The fastest way to top up your Grey NGN balance.
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 Kenya for every reason that matters
Intra-Africa business payments
A Lagos-based business paying a Kenyan supplier or partner in shillings. A Nigerian company with East African operations settling invoices in Nairobi. An entrepreneur in Abuja paying a Kenyan developer or freelancer. Grey supports the NGN-to-KES corridor directly, without routing through USD or another currency.
Support family or colleagues
A Nigerian professional with family or close colleagues in Nairobi. Sending money directly in shillings via M-Pesa. The money arrives in under a minute from a funded Grey balance. No agent, no branch, no conversion at the other end.
East African partnerships
A Nigerian media company paying Kenyan correspondents. A Lagos startup with a Nairobi team paying monthly salaries in shillings. A Nigerian NGO with East African programmes disbursing funds to Nairobi. Grey supports M-Pesa delivery for fast, verifiable payment confirmation.
Trade and logistics
A Nigerian importer paying a Kenyan supplier at the point of delivery. A logistics company settling freight costs in East Africa. A trader in Lagos paying for Kenyan goods in local currency. Grey shows the NGN amount debited and the KES amount delivered before you confirm.
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 Kenya from Nigeria
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 Nigeria to Kenya?
Transfers from a funded Grey balance to Kenya typically arrive in under a minute (M-Pesa). Fund your NGN balance in advance for the fastest transfer.
What is the fee for sending money from Nigeria to Kenya?
Grey charges a 1% uncapped conversion fee on NGN to KES transfers. The withdrawal fee is $0.50 M-Pesa / $0.65 bank. Both are shown before you confirm.
What is the NGN to KES exchange rate today?
The live NGN to KES 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 Nigeria to Kenya with Grey?
Open a Grey account, fund your NGN balance via bank transfer or Direct Debit, confirm the live NGN to KES rate and fee, enter your recipient's details, and send. The money typically arrives in under a minute (M-Pesa).
Does my recipient need a Grey account to receive money in Kenya?
No. Your recipient does not need a Grey account. The KES arrives in their M-Pesa wallet or bank account as a standard credit.
Is Grey safe for sending money from Nigeria to Kenya?
Grey operates through CBN-licensed banking partners in Nigeria. Grey is a financial technology company, not a bank. All transfers are processed under Nigerian financial regulations.
How much can I send from Nigeria to Kenya?
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.
What is the conversion fee for Nigeria to Kenya transfers?
Grey charges a 1% conversion fee on NGN to KES transfers, uncapped. The withdrawal fee is $0.50 M-Pesa / $0.65 bank. Both are shown before you confirm.
Can I send money from Nigeria to Kenya from a Grey balance?
Yes. If you hold NGN in your Grey balance, you can send to Kenya without waiting for a new deposit. Transfers from a funded balance typically begin within seconds.
What currencies can I send from Nigeria with Grey?
Grey supports NGN to USD, NGN to GBP, NGN to EUR, and NGN to KES transfers. The conversion happens automatically at the live rate shown in the app before you confirm.
What happens if my transfer from Nigeria to Kenya is delayed?
Most transfers from a funded Grey balance arrive in under a minute (M-Pesa). If your transfer is taking longer than expected, check the transaction status in the Grey app. Contact Grey support if the delay exceeds 24 hours.
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