How to send money to Kenya from Sweden with the best SEK-KES rate

A comparison of providers offering services between Sweden and Kenya is the easiest way to ensure the best deal.

For SEK/KES

• Wise scored the highest of the 6 money transfer companies supporting SEK to KES transfers. For example, sending 80,000 SEK to KES will cost you kr941.71 in fees, and you will receive 1,061,302 KES. The delivery time usually is next day, but it depends on the day you make the transfer.

• Cheapest way to send money from Sweden to Kenya is with Key Currency. This includes the fee of 0 SEK and a SEK-KES exchange rate for international transfers that is 0.25% different to the mid-market rate.

• Fastest way to transfer money to Kenya from Sweden is via Revolut. For example, if you send 80,000 SEK with Revolut to Kenya, the transfer time is within minutes

We've compared 6 providers that offer services for sending Swedish Krona to Kenya.

This ensures you will get the best options for your transfer to Kenya from Sweden.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Sweden to Kenya.

An exchange rate determines the price you will pay when buying Kenyan Shilling. A better exchange rate means more money reaching the recipient in Kenya.

The current rate between the Swedish Krona and Kenyan Shilling is 13.2841.

The total cost of money transfers to Kenya from Sweden, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

• The Mid-Market and Exchange Rates: The current mid-market for SEK-KES is 13.2841 KES per Swedish Krona.

• Fees: Some money transfers between Sweden and Kenya will be subject to fees. Key Currency has a fee of 0 SEK based on a 80,000 SEK transfer. Although you should search for your send amount for actual fees as your scenario may be different.

• Amount Received: Money transfer companies will show you the amount of Kenyan Shilling eventually received in Kenya.

Waiting a day or two can help you get more KES for the same amount of Swedish Kronas.

A better option is to use a forward contract can also allows you to lock in an agreed exchange rate between Sweden and Kenya.

Paying via bank transfer is the payment method that will get you the best price with a money transfer company. When sending money from Sweden to Kenya.

Here are the best options:

Bank transfers

A bank transfer is often the default option for money transfers from Sweden to Kenya.

By using a money transfer company such as Key Currency to send money from Sweden to Kenya, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


Debit and prepaid cards

Sending money from Sweden to Kenya with a prepaid or debit card is very easy with Wise.


Wise is a great choice for sending money with a debit card from Sweden to Kenya. This is from the 6 money transfer companies compared.

Credit cards

When it comes to credit card transfers from Sweden to Kenya, we recommend comparing your options to get the best deal.

Regulations are important for keeping your money safe, Sweden and Kenya have different regulations to consider.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Sweden and Kenya.

Companies offering money transfers between Sweden and Kenya have minimum or maximum thresholds on how much money you can send.

Rates and fees for different transfer amounts could change if you pass a threshold - that’s why it’s best to compare SEK-KES rates for your specific transfer amount.

For regular transfers from Sweden to Kenya, shopping around each time can make a huge difference.

We’ve recommended Wise for sending SEK to Kenya, because of their combination of rates and fees when sending from Sweden to Kenya that is the most competitive, even at larger amounts.

Check with the recipient and understand any declarations needed on large amounts of money entering Kenya from Sweden.

There are different ways to receive Kenyan Shilling in Kenya. The most popular options are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

All providers work differently and not all offering transfers from Sweden to Kenya support every method for receiving Kenyan Shilling so it’s best to check ahead of time.

Sending directly to a bank account in Kenya is one of the most common ways to receive money from Sweden. For most part, this is convenient but does have receiving fees to potentially be aware of.

Wise is the best company for bank transfers between Sweden and Kenya.

Cash pickup is popular in Kenya, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Zelle, and CashApp are popular because of convenience. They come with more limitations and higher costs compared to money transfer providers like Revolut, and are recommended for domestic payments only.

When sending Kenyan Shilling to Kenya, you will need to verify your ID with your chosen money transfer company.

The documents you need will vary and in some cases you might need more than one.

For the most part, accepted IDs in Sweden include government issued IDs such as passports or driver's licenses. If the recipient needs an ID to collect money in Kenya, the options are similar.

Large transactions between Sweden and Kenya can be subject to additional checks such as proof of funds for anti-money laundering purposes. These won’t be needing when signing up, but will be need ahead of any transfer.

One of the reasons Wise has scored so highly for transfers to Kenya is their easy sign up process in Sweden.

When sending money between Sweden and Kenya there will be tax declarations to consider.

Some transfers into Kenyan Shilling may need to be reported to tax authorities in Kenya and Sweden, depending on size and particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Kenya based on age, income and a few other elements - such as whether the funds are a gift. Tax law can be confusing, when in doubt, please contact a tax professional in Sweden or Kenya to discuss your personal circumstances to ensure you are not missing any specific tax declarations associated with your international money transfer.