Send Money from Germany to Kenya
~15,000 Kenyans in Germany · Growing corridor — students and professionals. Compare 5 providers by total KES received.
Provider Comparison — €100 to Kenya
Wise
Best for: Best exchange rate — popular among Kenyan students in Germany
Sendwave
Best for: Zero fees for M-Pesa delivery from Germany
Remitly
Best for: Speed for urgent transfers
WorldRemit
Best for: Airtime top-up and reliable M-Pesa
Western Union Germany
Best for: Cash pickup fallback option
Rates and fees are indicative and updated weekly. Always check the provider's app for the live rate before sending.
How to Send Money from Germany to Kenya
- 1Download Wise or Sendwave from the German App Store or Google Play
- 2Register with your German address and verify via Ausweis (ID card) or passport
- 3Connect your German bank account (IBAN/BIC) or debit card
- 4Enter the recipient's Kenyan M-Pesa number or bank account
- 5Review the EUR amount and the KES amount to be received
- 6Confirm and pay — SEPA transfers fund within hours, card payments are faster
- 7You will receive email/SMS confirmation when the transfer is delivered
Tax Note
No German tax on personal remittances. Gifts above €20,000 to non-EU recipients may need to be declared to the German tax office (Finanzamt) for gift tax purposes.
Regulatory
All providers listed are licensed by BaFin (Germany's financial regulator) or passported from the UK/EU. Always use BaFin-authorised services.
Pro Tips for Germany → Kenya Transfers
- SEPA transfers are free from German banks — always fund Wise via bank transfer, not card, to avoid card fees
- Set up a recurring Wise transfer for monthly family support — takes 5 minutes to automate
- The EUR/KES rate fluctuates — use Wise's rate alert to send when the rate is favourable
- For Kenyans in Germany on student visas, Wise does not restrict remittances — full service available
Frequently Asked Questions — Germany to Kenya
What is the best way to send money from Germany to Kenya?
Wise is the top choice for students and professionals in Germany — it uses the mid-market rate with minimal fees. Sendwave is best for zero-fee M-Pesa transfers.
Can I send from a German bank account directly to Kenya?
Not easily via direct SWIFT — the fees are high. Use Wise instead, which accepts SEPA bank transfers from any German bank and forwards to Kenya at near mid-market rates.
How long does a Germany to Kenya bank transfer take?
Via Wise: 2–24 hours after SEPA payment clears. Via WorldRemit or Sendwave to M-Pesa: minutes. Direct bank SWIFT: 2–4 business days.
I am a Kenyan student in Germany — what is the cheapest way to send money home?
Wise has the best exchange rate and very low fees — ideal for students sending monthly support. For small, urgent amounts, Sendwave is free and instant.