What is an international money transfer?

An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

How long does an international money transfer take?

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

How do I send an international money transfer?

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive. Add your recipient’s bank details. If you don’t know their details, we can request them for you. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe. Pay for your transfer with a debit or credit card, or bank transfer. That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

What’s the best way to send money abroad?

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

How is Wise regulated?

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

How much can I send abroad? Are there limits to how much I can send?

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre , or by using our calculator . We’ll also let you know if you try to send too much at one time.

How do I know the money will get there?

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

How will the money be received?

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

How can I avoid a wire transfer fee?

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

What documents do I need to send an international money transfer?

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

Send money to Kenya

Save on your online money transfer to Kenya from Sweden. Transfer Swedish krona to Kenyan shilling quickly, safely and join over 14.8 million people using Wise.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

Today - in 9 hours

Total fees

Included in SEK amount

You could save up to 227.35 SEK

Send money to Kenya

Save on your online money transfer to Kenya from Sweden. Transfer Swedish krona to Kenyan shilling quickly, safely and join over 14.8 million people using Wise.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

Today - in 9 hours

Total fees

Included in SEK amount

You could save up to 227.35 SEK

Compare fees for when you send money to Kenya

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 10,000 SEK with	Recipient gets(Total after fees)
	137,737 KES
Transfer fee 139.02 SEK Exchange rate(1 SEK KES) 13.9679 Exchange rate markup 0 SEK Cost of transfer 139.02 SEK

	134,582 KES- 3,155 KES
Transfer fee 19.90 SEK Exchange rate(1 SEK KES) 13.4850 Exchange rate markup 345.71 SEK Cost of transfer 365.61 SEK

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Remitly
Recipient gets (Total after fees)	137,737 KES	134,582 KES
Exchange rate (1 SEKKES)	13.9679	13.4850
Exchange rate markup	0 SEK	345.71 SEK
Transfer fee	139.02 SEK	19.90 SEK
Total transfer cost	139.02 SEK	365.61 SEK

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in the EU by the national bank of Belgium
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Kenya from Sweden

Enter amount to send in SEK.

Pay in SEK with your debit card or credit card, or send the money from your online banking.

Choose recipient in Kenya.

Select who you want to send money to and which pay-out method to use.

Send SEK, receive KES.

The recipient gets money in KES directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Kenya

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Kenya with WISE

The best way to send Swedish krona to Kenyan shilling is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Trustly
Trustly
Trustly is an online bank payment method. With Trustly, you can send money to Wise without leaving our site or app. It's a simple and convenient way to pay in EUR, PLN, SEK, and DKK.
PISP
PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.

Cheapest way to send money to Kenya from Sweden

The cheapest way to send 10,000 SEK to Kenya is by using money that's in your Wise account and costs 134.42 SEK. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

SEK

KES

Sending 10,000 SEK	Transfer cost
Wise account	134.42 SEK

Bank transfer	139.02 SEK

Google Pay	265.09 SEK

Apple Pay	265.09 SEK

Debit card	482.42 SEK

Credit card	219.26 SEK

Trustly	153.64 SEK

PISP	139.02 SEK

Fastest way to send money to Kenya from Sweden

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

SEK

KES

Sending 10,000 SEK	Should arrive
Wise account	in seconds

Bank transfer	in 9 hours

Google Pay	in seconds

Apple Pay	in seconds

Debit card	in seconds

Credit card	in seconds

Trustly	in 5 minutes

PISP	by Friday, May 15