Currency pair
GHS → KESSend money from Ghana
to Kenya
Send Cedis to Kenya through Divest. See the shilling amount your recipient gets before you confirm, then it lands directly, no cash pickup required.
4.7 rating · 300k+ registered users
Ghana to Kenya
Check today’s rate
1 GHS = 8.40 KES · no separate fee
They receive
Separate fee0.00 GHS
ArrivesIn seconds
You save vs. a typical bank503.77 KES
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
GHS → KESThey receive into
M-Pesa or a Kenyan bank accountTypical arrival
In secondsPer transfer
Up to $10,000, more on VIPAbout this route
Ghana to Kenya, done properly
Popular with senders and recipients in Nairobi and Mombasa.
Pay out to
West to East Africa in seconds: Divest sends cedis to Kenya as shillings, straight to M-Pesa or a Kenyan bank account, without a detour through Dollars.
$5.04bn
in diaspora remittances to Kenya in 2025, a record high.
Sending Cedis to Kenya shouldn’t mean guessing what actually arrives
Traditional transfer services often advertise a rate that isn’t the one you actually get. By the time a flat fee and a marked-up exchange rate are both applied, what lands in Shillings can be meaningfully less than the headline number suggested.
01
The advertised rate and the rate actually applied at settlement aren’t always the same number.
02
Flat fees plus a currency markup can stack into a cost that’s hard to calculate until after you’ve sent.
03
Some services still require your recipient to visit a cash pickup location instead of depositing directly to their account.
04
Bank wires can take multiple business days to clear, with no visibility into where the money actually is.
05
“Instant” transfers don’t always mean what they imply. Some still involve a cutoff window or manual review.
How it works
Step 01
Enter the amount in Cedis
Step 02
See the shilling amount your recipient gets
At the current rate, before you confirm.
Step 03
Send it
Step 04
It lands in seconds
Your recipient can withdraw to mobile money or spend directly.
The rate you see is the rate you get
The cost is built into the exchange rate shown before you confirm, not added on after. What you see is what your recipient gets.
Your quote
Locked before you confirm
They receive
16,792.21 KES
You send2,000 GHS
Exchange rate1 GHS = 8.40 KES
Separate fee0.00 GHS
Indicative rate. Your quote is locked at the live rate when you confirm.
What you get
One rate, no surprises
What you see before sending is what actually lands.
Recipient choice
Mobile money withdrawal or direct spending, their choice.
Fast delivery
Transfers land in seconds, not days.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestIn secondsA remittance serviceCutoff windows, reviews or cash pickupA bank wireMultiple business days
CostDivestOne rate, no separate feeA remittance serviceA flat fee plus a marked-up rateA bank wireCorrespondent fees and a markup
TransparencyDivestExact amount shown before you confirmA remittance serviceAdvertised rate isn’t always the rate appliedA bank wireLittle visibility while in transit
Who it’s for
Kenyans in Ghana
Regular support home to M-Pesa.
Pan-African business
Pay Kenyan partners and contractors.
Family support
Straight to M-Pesa, where your family keeps its money.
Why choose Divest
What you see is what lands
No gap between quote and delivery.
Recipient flexibility
Mobile money or direct spending.
Built for regular sending, not just one-off transfers.
What customers say
Customer story
“I pay our Nairobi team from Accra without the usual delays.”
Kojo AmoahOperations manager, Accra
Customer story
“My brother studies in Kenya. Sending money for his fees is simple now.”
Efua MensahPharmacist, Takoradi
Customer story
“Seeing the shillings amount up front makes planning easy.”
Nana AgyemanConsultant, Accra
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes, into M-Pesa or a Kenyan bank account.
Related pages
Money that moves
like you do.
Open your Divest Banking account and send to Kenya today.
4.7 star rating and over 3k ratings on the App Store