Currency pair
USD → KESSend money from the United States
to Kenya
Send Dollars 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
United States to Kenya
Check today’s rate
1 USD = 129.30 KES · no separate fee
They receive
Separate fee0.00 USD
ArrivesIn seconds
You save vs. a typical bank1,939.50 KES
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
USD → KESThey receive into
M-Pesa or a Kenyan bank accountTypical arrival
In secondsPer transfer
Up to $10,000, more on VIPAbout this route
United States to Kenya, done properly
Popular with senders and recipients in Nairobi, Mombasa and Kisumu.
Pay out to
More than half of all the money Kenyans abroad send home comes from the United States. Divest delivers Dollars to Kenya as shillings, straight to M-Pesa or a bank account, with the amount shown before you confirm.
57%
of Kenya’s diaspora remittances came from the United States in May 2025.
Sending Dollars 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 Dollars
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
64,650.00 KES
You send500 USD
Exchange rate1 USD = 129.30 KES
Separate fee0.00 USD
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
Family support
Send to M-Pesa for family in Nairobi, Mombasa or Kisumu.
School fees
Pay fees and upkeep on a schedule you can count on.
Investing at home
Fund land, building and business projects in Kenya.
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 send money to my family's M-Pesa in Nairobi in a couple of minutes.”
Wanjiru NjorogeNurse, Minneapolis
Customer story
“Supporting my parents in Kenya from the US has never been this easy.”
Brian KiplagatData scientist, Seattle
Customer story
“I see exactly what lands in shillings before I confirm.”
Grace AtienoTeacher, Dallas
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes, your recipient can receive shillings 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