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Remittance Comparison Engine
See exactly how much KES your recipient gets — ranked by who delivers the most
Rates updated April 2026 · Mid-market: 1 USD = 129.50 KES
USD
Winner this week
Wise delivers the most KES — KES 25,752
85 KES more than Sendwave on USD 200
Mid-market rate — no FX markup
#1
W
Wise
Best value4.8
Recipient gets
KES 25,752
Transfer fee
USD 1.14
FX margin
None
Speed
1–24 hrs
True cost
0.57%
BankM-PesaMid-market rate — no FX markup
#2
S
Sendwave
4.9
Recipient gets
KES 25,667
Transfer fee
Free
FX margin
0.90%
Speed
Instant
True cost
0.90%
M-PesaBankZero fees — earns only on exchange rate
#3
R
Remitly
4.6
Recipient gets
KES 25,512
Transfer fee
Free
FX margin
1.50%
Speed
Minutes
True cost
1.50%
M-PesaBankFirst transfer often discounted
#4
W
WorldRemit
4.4
Recipient gets
KES 25,054
Transfer fee
USD 2.99
FX margin
1.80%
Speed
Minutes
True cost
3.29%
M-PesaBankCash
#5
M
M-Pesa Global
4.1
Recipient gets
KES 24,994
Transfer fee
Free
FX margin
3.50%
Speed
Instant
True cost
3.50%
M-Pesa
#6
W
Western Union
3.5
Recipient gets
KES 23,745
Transfer fee
USD 9.00
FX margin
4.00%
Speed
Minutes
True cost
8.50%
CashM-PesaBank
Indicative rates only. Actual amounts vary with live exchange rates and provider-specific conditions. Always check the provider's app for the exact amount before sending. Rates and fees last updated April 2026.