EUR → KES
Send money from Cyprus
to Kenya
Fund your account in EUR by SEPA bank transfer, then pay out in Kenyan shillings through M-PESA or a local bank account. Fee and rate are shown before anything leaves your balance.
Get account detailsWork out the cost
- Funding by SEPA
- —
- Payout in KES
- —
- Total cost
- —
- Debited from your balance
- —
The amount your recipient receives in Kenyan shillings depends on the exchange rate at the moment of the transfer. It is shown in your account before you confirm.
- RegisteredFINTRAC MSB C100001025, Bank of Canada
- Two-factor by defaultMandatory 2FA on every account
- Checked before payoutRecipient and sanctions screening
How the transfer works
- 1
Top up in EUR
Send EUR to your PayerPay details by SEPA bank transfer. Costs 0.85% plus €1.00.
- 2
Choose the recipient in Kenya
Enter their KES details. They do not need a PayerPay account.
- 3
They receive KES
Payout through M-PESA or a local bank account. Up to one business day.
What this route costs
Two charges apply and both are visible up front: funding your balance from Cyprus, and paying out in KES. Nothing is added at the exchange rate beyond what is quoted.
What this route costs
| You send | Funding by SEPA | Payout fee | Total cost | Of amount |
|---|---|---|---|---|
| €200.00 | €2.70 | €5.74 | €8.44 | 4.22% |
| €500.00 | €5.25 | €11.44 | €16.69 | 3.34% |
| €1,000.00 | €9.50 | €20.94 | €30.44 | 3.04% |
| €5,000.00 | €43.50 | €81.94 | €125.44 | 2.51% |
Funding by SEPA: 0.85% + €1.00 · Payout in KES: 1.90% + $2.25
How the money arrives in Kenya
Payouts are made in Kenyan shillings using the methods your recipient already uses:
- bank account
- digital wallet
- M-PESA or Airtel Money
Sending from Cyprus
You receive personal EUR account details in your own name, reachable from any bank in the SEPA area. Identity verification is required once, before your first transfer.
Common questions
How much does it cost to send money from Cyprus to Kenya?
Funding your account by SEPA bank transfer costs 0.85% plus €1.00. The payout in KES costs 1.90% plus $2.25. Both are shown before you confirm, together with the exchange rate and the amount your recipient receives.
How does the money reach the recipient in Kenya?
Funds arrive in Kenyan shillings through M-PESA or a local bank account.
What currency do I send from Cyprus?
You fund your PayerPay account in EUR using SEPA bank transfer. Conversion to KES happens at the rate quoted before confirmation.
How long does the transfer take?
Supported local payouts take up to one business day. The expected time for the selected route is shown before you confirm.