Send money to Kenya from the United Kingdom
Grey sends money from the UK to Kenya directly to bank accounts and mobile wallets. The live GBP-to-KES rate and total fee are shown before you confirm. Equity Bank, KCB Bank, Co-operative Bank, NCBA, and Standard Chartered Kenya are supported. Transfers from a funded Grey balance typically arrive in under a minute (M-Pesa). Grey is regulated by the FCA.
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Send money to Kenya, straight to any bank account or mobile wallet
When you send money to Kenya through Grey, the transfer lands directly in your recipient's bank account or M-Pesa wallet. Equity Bank, KCB Bank, Co-operative Bank, NCBA, and Standard Chartered Kenya are all supported. Enter the account or wallet details, confirm the rate and fee, and send.
Your recipient does not need a Grey account. M-Pesa transfers typically arrive within a minute. Bank transfers land in their account the same way any domestic Kenyan transfer would. No branch visits, no agent queues.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a £1,000 transfer, a 2% rate markup costs more than a £20 fee. Grey shows both numbers on the same screen before you tap Send.
How to send money to Kenya from the United Kingdom
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid UK photo ID such as a passport, BRP card, or driving licence.
Fund
Add money from your UK bank account via Faster Payments, or send directly from your existing Grey balance.
Send
Enter your recipient's bank account number or mobile wallet details. Confirm the live GBP-to-KES rate and fee. Send. The money typically arrives in under a minute (M-Pesa).
How much does it cost to send money to Kenya
Every transfer from the UK to Kenya involves two costs: the visible fee and the exchange rate margin. Most high-street banks embed their margin in the rate and advertise zero fees. Grey shows both the rate and the fee before you confirm. The KES amount your recipient receives is on screen before you tap Send.
How exchange rates work: GBP to KES
The GBP-to-KES exchange rate determines how many KES your recipient receives. On a £500 transfer, a 1% difference in the rate changes what your recipient receives significantly. On monthly remittances, that gap compounds.
Grey shows the live GBP-to-KES rate before you confirm. The rate on screen is the rate applied. No adjustment after you send.
Grey charges a 1% conversion fee on GBP-to-KES transfers, uncapped. The withdrawal fee is $0.65 and displayed alongside the rate before you commit.
How fast is each provider?
Grey delivers to Kenyan bank accounts and mobile wallets typically in under a minute (M-Pesa) from a funded balance. Wise typically takes 1-2 business days. UK bank wires (SWIFT) take 3-5 business days and cost £20-40 in visible fees alone.
What your recipient sees in Kenya
Your recipient does not need a Grey account. The KES arrives in their bank account or mobile wallet as a standard credit. It appears the same way any domestic transfer would.
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.
Mobile wallet delivery
Send to M-Pesa. Enter your recipient's registered mobile number. Withdrawal fee: $0.50 (M-Pesa).
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
Faster Payments
Fund your Grey account via Faster Payments from any UK bank. Processed the same day. Fee: 0.8% of the deposit amount, minimum £2, capped at £10.
BACS
Fund via BACS from your UK bank. Fee: £15 flat. Slower than Faster Payments but available from all UK banks.
Grey balance
If you already hold GBP in your Grey balance, you can send without waiting for a bank deposit to clear. 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 Kenya for every reason that matters
Family support
A Kenyan professional in London covering their parents' monthly expenses in Nairobi. A nurse in Birmingham sending money to family in Mombasa every month. A student in Manchester supporting siblings in Kisumu. M-Pesa delivery means the money arrives in under a minute without a bank visit.
Housing and property
Paying rent on a property in Nairobi from a salary in London. Contributing to a family home in Mombasa. Covering maintenance on a property in Kisumu while working in the UK. Medical costs in Kenya often need to arrive quickly, and M-Pesa delivery does.
Education
A parent in London paying school fees in Nairobi. A family in Birmingham sending monthly allowance to a student at a Kenyan university. Regular transfers where M-Pesa delivery is faster and more accessible than a bank account.
Business payments
A UK company paying a Kenyan supplier or contractor in shillings. A client settling invoices with a Nairobi-based agency. Grey supports payments to Kenyan M-Pesa wallets and bank accounts without a separate business account.
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 the United Kingdom
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 to Kenya from the UK?
Transfers from a funded Grey balance to Kenya typically arrive in under a minute (M-Pesa). If funding via Faster Payments, allow the same day for the deposit to reach your Grey account first.
What is the fee for sending money to Kenya from the UK?
Grey charges a 1% uncapped conversion fee on GBP to KES transfers. The withdrawal fee is $0.65. The Faster Payments deposit fee is 0.8% of the deposit amount, minimum £2, capped at £10. All fees are shown before you confirm.
Which Kenya banksor wallets does Grey support?
Grey supports transfers to Equity Bank, KCB Bank, Co-operative Bank, NCBA, and Standard Chartered Kenya as well as M-Pesa.
What is the GBP to KES exchange rate today?
The live GBP 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.
Does my recipient need a Grey account to receive money in Kenya?
No. Your recipient does not need a Grey account. The KES arrives as a standard credit, the same way any domestic Kenya transfer would appear.
Is Grey safe for sending money to Kenya from the UK?
Grey is regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Grey is a financial technology company, not a bank.
How much can I send to Kenya from the UK?
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.
Is Grey cheaper than my UK bank for sending money to Kenya?
In most cases, yes. UK high-street banks typically charge £20-40 per international transfer plus an exchange rate 2-4% below mid-market. Grey charges a 1% uncapped conversion fee and a flat withdrawal fee, both shown before you confirm.
Can I send money to Kenya from a Grey balance?
Yes. If you hold GBP in your Grey balance, you can send to Kenya without waiting for a Faster Payments deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
What is the cheapest way to send money to Kenya from the UK?
The cheapest way is to fund your Grey balance in advance via Faster Payments, then send from your Grey balance. This avoids the deposit fee on each individual transfer. Grey shows the total cost before you confirm.
How does Grey compare to Wise for sending money to Kenya from the UK?
Both Grey and Wise show fees and exchange rates upfront. Grey typically delivers to Kenya within minutes from a funded balance. Wise typically takes 1-2 business days for bank-funded transfers. Compare the KES amount your recipient receives in both apps before sending.
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