Germany to Kenya Money Transfer: EU Remittance Guide 2025
Germany is home to a growing Kenyan community, with many working in healthcare, IT, and other sectors. This guide helps you find the cheapest way to send euros to Kenya.
Quick Comparison: Germany to Kenya
| Provider | Fee (€500) | Rate | Speed | M-Pesa |
| Wise | €2.50 | Mid-market | 1-24h | ✓ |
| Remitly | €0-2.99 | 1.5% markup | Minutes | ✓ |
| Azimo | €0-2.99 | 1.5% markup | Minutes | ✓ |
| WorldRemit | €0-3.99 | 2% markup | Minutes | ✓ |
| Western Union | €8+ | 4% markup | Minutes | ✓ |
What Your Recipient Gets
Sending €500 to Kenya:
| Provider | Fee | Rate (KES/€) | Recipient Gets |
| Wise | €2.50 | 139.80 | KES 69,550 |
| Remitly | €1.99 | 137.60 | KES 68,456 |
| Azimo | €0 | 137.20 | KES 68,600 |
| Western Union | €7.90 | 134.20 | KES 66,012 |
Best Providers from Germany
1. Wise - Bestes Preis-Leistungs-Verhältnis
Vorteile:
- Echter Wechselkurs (Interbankenrate)
- BaFin reguliert
- SEPA-Überweisung kostenlos
- Transparente Gebühren
Zahlungsmethoden:
- SEPA-Überweisung
- SOFORT
- Debitkarte
- Apple Pay
Geschwindigkeit: 1-24 Stunden
Gebühr: ~0.5%
2. Remitly - Schnellste Option
Vorteile:
- Express-Lieferung in Minuten
- Gute App-Erfahrung
- Ersttransfer-Rabatte
- Giropay unterstützt
3. Azimo - Gute Alternative
Vorteile:
- Oft gebührenfrei
- Europäisches Unternehmen
- SOFORT-Überweisung
- Gute EUR/KES Kurse
German Payment Methods
SEPA-Überweisung
- Free with most providers
- 1-2 business days
- Unlimited amounts
SOFORT / Klarna
- Instant payment
- Small fee (~€0.50)
- Direct from bank
Giropay
- German banks only
- Instant
- Secure
Debit/Credit Card
- Instant
- Higher fees
- Visa/Mastercard
German Regulations
BaFin Regulation
All money transfer services in Germany must be licensed by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht).
Required Documents
- German ID card (Personalausweis), or
- Passport with Meldebescheinigung
- For large amounts: income proof
Large Transfers (€10,000+)
- Must be reported
- Proof of source may be required
- Not taxed
SEPA Advantage
Living in Germany gives you access to SEPA:
- Free bank transfers across EU
- Fast processing
- High limits
- Works with Wise, Remitly, Azimo
Comparison by Situation
| Situation | Best Choice | Why |
| Regular support | Wise | Consistent best rate |
| Urgent transfer | Remitly | Minutes delivery |
| First time | Azimo | Often free first transfer |
| Large amount | Wise | Lowest percentage fee |
Tips for German Senders
- Use SEPA transfers - Always free or cheapest
- Avoid Sparkasse wire - High fees for international
- Check Wechselkurs first - Compare at Google/XE
- Set Benachrichtigungen - Rate alerts save money
- Use direct bank connection - Faster than manual entry
FAQs
Kann ich nach M-Pesa aus Deutschland senden?
Ja! Wise, Remitly, Azimo und WorldRemit unterstützen alle M-Pesa.
Wie lange dauert eine Überweisung?
- Schnellste: Minuten (Remitly Express)
- Standard: 1-24 Stunden (Wise)
- SEPA first: Add 1-2 days
Ist es sicher, Geld online zu senden?
Ja, bei BaFin-regulierten Anbietern wie Wise und Remitly.
Was ist der günstigste Weg für €1,000?
Wise bietet typischerweise den besten Gesamtwert.
Conclusion
For Germany to Kenya transfers, Wise offers the best value with mid-market rates. Remitly is fastest for urgent needs. Azimo often has fee-free promotions for first-time senders.
Zuletzt aktualisiert: Januar 2025