Currency pair
KES → NGNSend money from Kenya
to Nigeria
Send Shillings to Nigeria through Divest. See the naira amount your recipient gets before you confirm, then it lands directly in their account.
4.7 rating · 300k+ registered users
Kenya to Nigeria
Check today’s rate
1 KES = 11.99 NGN · no separate fee
They receive
Separate fee0.00 KES
ArrivesSame day, often minutes
You save vs. a typical bank17,981.44 NGN
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
KES → NGNThey receive into
Any Nigerian bank accountTypical arrival
Same day, often minutesPer transfer
Up to $10,000, more on VIPAbout this route
Kenya to Nigeria, done properly
Popular with senders and recipients in Lagos, Abuja and Ibadan.
Pay out to
Shillings and naira don’t trade directly, so most Kenya-to-Nigeria transfers detour through Dollars. Divest quotes one rate and deposits naira straight into any Nigerian bank account.
$21.8bn
sent home to Nigeria by the diaspora in 2025, slightly up on 2024.
Source: Central Bank of Nigeria, via Nairametrics (Jul 2026)
Sending Shillings to Nigeria 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 Naira 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 Shillings
Step 02
See the naira amount your recipient gets
At the current rate, before you confirm.
Step 03
Send it
Step 04
It lands directly in their account
No cash pickup needed.
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
599,381.28 NGN
You send50,000 KES
Exchange rate1 KES = 11.99 NGN
Separate fee0.00 KES
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.
Direct to account
No cash pickup, no extra stop for your recipient.
Fast delivery
Same-day or within minutes, not days.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestSame day, often minutesA 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
Nigerians in Kenya
Send support home from Nairobi or Mombasa.
Pan-African teams
Pay Nigerian contractors and colleagues directly.
Business and trade
Settle with Nigerian suppliers without a second currency.
Why choose Divest
What you see is what lands
No gap between quote and delivery.
No pickup required
Funds go straight to the account.
Built for regular sending, not just one-off transfers.
What customers say
Customer story
“I send money to my business partner in Lagos and he gets Naira the same day.”
Brian OtienoEntrepreneur, Nairobi
Customer story
“Paying Nigerian creatives from Kenya is finally simple.”
Faith WanjikuAgency founder, Nairobi
Customer story
“I see the exact Naira amount before I confirm. No surprises.”
Peter KipropConsultant, Mombasa
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportBank transfer from your Kenyan account is always available. Where we support M-Pesa top-ups, you’ll see it as an option when you fund your shilling balance in the app.
Related pages
Money that moves
like you do.
Open your Divest Banking account and send to Nigeria today.
4.7 star rating and over 3k ratings on the App Store