Currency pair
NGN → KESSend money from Nigeria
to Kenya
Send Naira to Kenya through Divest Exchange. See the shillings your recipient gets before you confirm, then watch it land, with no correspondent bank in between.
4.7 rating · 300k+ registered users
Nigeria to Kenya
Check today’s rate
1 NGN = 0.0834 KES · no separate fee
They receive
Separate fee0.00 NGN
ArrivesIn seconds
You save vs. a typical bank250.26 KES
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
NGN → KESThey receive into
Kenyan bank account or M-PesaTypical arrival
In secondsPer transfer
Up to $10,000, more on VIPAbout this route
Nigeria to Kenya, done properly
Popular with senders and recipients in Nairobi and Mombasa.
Pay out to
Kenya runs on M-Pesa, so a transfer that lands in a bank account days later isn’t much use to the person receiving it. Divest sends Naira to Kenya as shillings, straight to M-Pesa or a Kenyan bank account, with the shilling amount shown before you confirm.
$5.04bn
in diaspora remittances to Kenya in 2025, a record high.
Why sending Naira to Shillings is harder than it should be
If you’ve ever tried moving money from Nigeria to Kenya, you already know it’s rarely as simple as pressing send. Naira and Shillings don’t trade directly, so your money often takes the long way round, picking up fees, delays and uncertainty along the way.
01
Your Naira has to become Dollars first, then Shillings, so you lose a bit of value at each step instead of just one.
02
Bureau de change shops can only sell small amounts of dollars each week, and only for things like travel or school fees, not regular transfers.
03
Many bureau de change shops have been shut down or lost their licence, so there are fewer places to even try.
04
Street or agent rates change throughout the day, so the rate you’re quoted in the morning might be gone by afternoon.
05
These are cash deals with no receipt, so if something goes wrong, there’s nothing to point to.
How it works
Step 01
Open Divest
Step 02
Select the amount and currency
Step 03
See the shillings your recipient gets
At the current rate.
Step 04
Confirm
Step 05
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
8,341.94 KES
You send100,000 NGN
Exchange rate1 NGN = 0.0834 KES
Separate fee0.00 NGN
Indicative rate. Your quote is locked at the live rate when you confirm.
What you get
Rate-based pricing
No separate fee stacked onto the transfer. The cost is built into the rate you see upfront.
Fast delivery
Transfers land in seconds, not days.
Recipient choice
Your recipient can withdraw to mobile money or spend directly, whichever suits them.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestIn secondsA bankDays, via correspondent banksA bureau de change or agentDepends on finding cash, an agent and allocation
CostDivestOne rate, no separate feeA bankA markup at each conversion: Naira to Dollars, then onwardA bureau de change or agentRates shift through the day
TransparencyDivestExact amount shown before you confirmA bankFinal amount unknown until it landsA bureau de change or agentCash deal, no receipt
Who it’s for
Family and friends in Kenya
Send support that lands where Kenyans actually keep their money: M-Pesa.
Tech and creative teams
Pay Nairobi-based contractors and collaborators directly, without a platform taking a cut.
Students and professionals
Cover rent, fees and living costs in Nairobi or Mombasa on a predictable schedule.
Why choose Divest
Divest VIP
Higher-volume senders get priority processing and better rates on larger transfers.
Nothing hidden until it’s too late
The rate you see is the rate applied.
Recipient flexibility
Mobile money withdrawal or direct spending, their choice.
What customers say
Customer story
“Paying my developer in Nairobi straight to M-Pesa is fast and easy.”
Bolaji AdelekeStartup founder, Lagos
Customer story
“I send money to my sister in Kenya and she sees it on her phone right away.”
Ngozi OkaforNurse, Abuja
Customer story
“The amount in shillings is clear before I confirm. That's all I wanted.”
Ayo BalogunConsultant, Lagos
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes. Your recipient can receive shillings into their M-Pesa wallet or a Kenyan bank account.
Related corridors
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