How to Send Money from Nigeria to Kenya: Methods, Rates and Fees

Growing trade and tech ties between Lagos and Nairobi make naira-to-Kenya a rising corridor. What decides the cost is the naira-to-shilling rate and how the money lands — and in Kenya, that usually means mobile money.

The ways to send

• Apps (Lemfi, Grey, Afriex) — naira in, Kenyan shillings out to a bank or wallet.
• M-Pesa — the dominant way Kenyans receive and hold money.
• An FX partner for larger business payments.

Getting a fair naira-to-shilling rate

Most services convert through the dollar, so the USD to Naira rate drives the rate — compare the shillings delivered, not the headline fee. Our cross-currency converter gives a live reference, and sending money abroad covers the rules on sending out of Nigeria.