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How to Transfer Money from Kenya to Nigeria

By Oluchukwu Ikemefuna

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Transferring money from one country to another and navigating how to send money from Kenya to Nigeria can be daunting, especially when you’re dealing with different currencies, fees, and financial systems.

How to send Money from Kenya to Nigeria

Knowing the best way to transfer money from Kenya to Nigeria is important, especially if you need to support your family, pay for services, or conduct business.

If you need to learn how to send money from Kenya to Nigeria, this article will help you understand the available methods, their pros and cons, and tips for making the process smooth and cost-effective.

In this article, we will also examine traditional methods, modern digital solutions, and practical tips for ensuring your money reaches its destination quickly and securely.

Let’s dive in!

What are Traditional Methods to Send Money from Kenya to Nigeria?

1. Bank Transfers

One of the most common ways to transfer money from one country to another is through bank transfers.

This method involves sending money from your Kenyan bank account to a recipient’s Nigerian bank account.


  • Reliability: Bank transfers are secure and reliable.
  • Traceability: Transactions are easily traceable.


  • High Fees: Bank transfers often come with high fees.
  • Slow Processing: Transfers can take several days to process.
  • Complexity: You may need extensive information, such as the recipient’s bank details and SWIFT code.

2. Money Transfer Operators (MTOs)

MTOs like Western Union and MoneyGram have been popular for decades.

They allow you to send money to Nigeria, where the recipient can collect it in cash or deposit it into their bank account.


  • Accessibility: MTOs have many physical locations, making sending and receiving money easy.
  • Speed: Transfers are usually processed within minutes to a few hours.


  • High Fees: Transfer fees can be significant, especially for larger amounts.
  • Exchange Rates: MTOs often offer less favorable exchange rates.

3. Physical Cash Transfers

Sometimes, people rely on carrying cash physically or using trusted couriers to deliver money.


  • Direct Delivery: The recipient gets the money directly.


  • Risk: High risk of theft or loss.
  • Inconvenience: Not practical for regular transactions or large amounts.

What are Modern Ways to Send Money from Kenya to Nigeria?

Technological advancements have positively changed the money transfer industry, offering faster, cheaper, and more convenient options for sending money from Kenya to Nigeria.

Modern methods of sending money from Kenya to Nigeria include mobile money services, online transfer platforms, and cryptocurrency.

What are Benefits of Modern Ways to Send Money?

Modern technology in the African economy, especially the fintech industries, has positively transformed money transaction activities.

The modern ways to send money from Kenya to Nigeria come with numerous benefits, and here are some benefits:

Lower Fees: When sending money from Kenya to Nigeria, digital platforms typically charge lower fees than traditional methods.

Faster Transactions: Money can be transferred almost instantly in many cases.

Greater Convenience: Transfers can be initiated from the comfort of your home using a smartphone or computer. You can be in your house in Kenya and send money to someone in Nigeria.

Read-First Bank Swift Codes and IBAN codes for International Transfers

How to Send Money from Kenya to Nigeria

Modern technology has greatly enhanced money transfer services; hence, there are numerous ways to send money from Kenya to Nigeria today.

Here are ways you can send money from Kenya to Nigeria:

How to Send Money Using M-Pesa

M-Pesa is a financial services platform in East Africa that conducts international money transfers.

According to the digital transfer company, they operate through smartphones and an extensive agent network, allowing customers with an eligible cell phone and SIM to transact with their phone and in cash at agent locations.

Mobile money services like M-Pesa in Kenya have made it incredibly easy to transfer money locally and internationally.

M-Pesa partners with various international transfer services to facilitate cross-border transactions.

Follow us as we show you how to send money from Kenya to Nigeria using M-Pesa.

How to Send Money from Kenya to Nigeria Using M-Pesa:

  1. Register for M-Pesa: Ensure you have an active M-Pesa account.
  2. Link with a Partner Service: Use M-Pesa’s international transfer partners like WorldRemit or PayPal.
  3. Initiate Transfer: Follow the steps on the app to send money to Nigeria.
  4. You can also send money by dialling *840#, accept terms and conditions then select ‘send money abroad’. After that, follow the prompts on your screen to send the money from Kenya to Nigeria.


  • Convenience: Transfers can be done via mobile phone.
  • Speed: Transactions are processed quickly.


  • Fees: While lower than traditional methods, fees still apply.
  • Exchange Rates: Exchange rates may vary and depend on the location the money is sent to.

You can check out the M-Pesa Africa website for more information on how to send money from Kenya to Nigeria using M-Pesa.

Read also- Best Way to Send Money from Canada to Nigeria in 2024

Online Transfer Platforms

Online platforms such as WorldRemit, TransferWise (now Wise), and PayPal or Payoneer offer user-friendly interfaces for sending money from Kenya to Nigeria.

How to Send Money from Kenya to Nigeria via Online Platforms:

  1. Create an Account: Sign up on the chosen platform.
  2. Enter Transfer Details: Provide the recipient’s details and the amount to be sent.
  3. Pay for Transfer: Use your bank account, credit card, or mobile money to fund the transfer.
  4. Confirm Transfer: Review and confirm the transaction.


  • Transparency: Clear information on fees and exchange rates.
  • Speed: Many transfers are completed within hours.


  • Internet Dependency: Requires a reliable internet connection.

How to send Money through Cryptocurrency

Cryptocurrencies like Bitcoin offer an alternative method for transferring money.

Users from Kenya can send Bitcoin to the recipient in Nigeria, who can then convert it to Nigerian Naira.

How to Use Cryptocurrency:

  1. Create a Wallet: Both the sender and recipient need cryptocurrency wallets.
  2. Buy Bitcoin: Purchase Bitcoin using your local currency.
  3. Transfer Bitcoin: Send Bitcoin to the recipient’s wallet.
  4. Convert to Naira: The recipient can convert Bitcoin to Naira using a cryptocurrency exchange.


  • Low Fees: Lower transaction fees compared to traditional methods.
  • Speed: Near-instantaneous transfers.


  • Volatility: Cryptocurrency prices can fluctuate significantly.
  • Complexity: Requires understanding of how cryptocurrencies work.


Afriex is a digital payment platform that is already making waves in Africa. The financial service providers enable Africans to send funds all over African countries.

To get started sending money from Kenya to Nigeria with Afriex, you have to download the app.

Next, you can send the cash to the recipient in Nigeria using an Afriex debit or credit card.

You can check out Afriex website to get more information.

Tips for a Smooth Transfer

Compare Fees and Exchange Rates

Different services offer varying fees and exchange rates. Use comparison tools to find the best deal for your transfer.

Check Transfer Limits

Some services limit the amount you can send per transaction or per day. Ensure your chosen method meets your needs.

Ensure Security

Use reputable services to protect your money and personal information. Look for services with robust security measures and positive user reviews.

Confirm Recipient Details

Double-check the recipient’s details to avoid delays or issues with the transfer. Incorrect information can lead to failed transactions.

Keep Records

Keep records of your transactions, including receipts and confirmation emails, in case you need to track or dispute a transfer.


Transferring money from Kenya to Nigeria has never been easier, thanks to the various traditional and modern digital methods.

Each method has pros and cons if you choose to use bank transfers, money transfer operators, mobile money services, online platforms, or cryptocurrencies.

But, by understanding these options and following the tips provided, you can ensure a smooth, secure, and cost-effective transfer.

If you found this piece useful, kindly drop a nice comment.

Also, visit and follow us on X @SiliconAfriTech, Instagram, @SiliconafricaTech Twitter @siliconafritech for access to other useful contents.


1. What are the common methods for transferring money from Kenya to Nigeria?

The common methods include bank transfers, money transfer operators (MTOs) like Western Union and MoneyGram, physical cash transfers, mobile money services like M-Pesa, online transfer platforms such as WorldRemit, Payoneer and Wise, and cryptocurrencies like Bitcoin.

2. How does M-Pesa facilitate international money transfers?

M-Pesa partners with international transfer services like PayPal. Users can register for an M-Pesa account, link it with a partner service, and initiate the transfer through the app.

3. How can I ensure my money transfer is secure?

Use reputable services with good security measures and positive user reviews. Always verify the recipient’s details to avoid delays or failed transactions.



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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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