How to Send Money to a Kenyan Bank Account: Complete Tutorial

Sending money directly to a Kenyan bank account is ideal for larger transfers, business payments, or when your recipient prefers bank deposits. Here's exactly how to do it.

When to Use Bank Transfer vs M-Pesa

What You'll Need

Recipient's Bank Details

1. Full account name (as on bank account)
2. Bank name (e.g., Equity Bank, KCB)
3. Account number
4. Branch name (sometimes needed)
5. SWIFT/BIC code (for traditional wires)

Major Kenyan Banks SWIFT Codes

Method 1: Wise (Recommended)

Why Wise for Bank Transfers

• Mid-market exchange rate
• Transparent fees (~0.5-1%)
• Arrives in 1-2 business days
• No hidden charges

Step-by-Step

#### Step 1: Create Wise Account

1. Go to wise.com or download app
2. Click "Register"
3. Enter email and create password
4. Verify email

#### Step 2: Start Transfer

1. Click "Send money"
2. Enter amount in your currency
3. Select Kenya (KES) as destination
4. See exactly what recipient gets

#### Step 3: Select Bank Transfer

1. Choose "Bank account"
2. Select recipient's bank from list
3. Enter account number
4. Enter account holder's full name

#### Step 4: Add Your Details

1. Enter your address
2. Add phone number
3. Select purpose of transfer

#### Step 5: Verify Identity (First Time)

1. Upload ID document
2. Take selfie for verification
3. May need proof of address
4. Usually verified within hours

#### Step 6: Pay for Transfer

Options:

• Bank transfer (cheapest, 1-2 days)
• Debit card (fast, small fee)
• Apple Pay/Google Pay (instant)

#### Step 7: Track Delivery

1. Get confirmation email
2. Track in Wise app
3. Notified when delivered

Method 2: Remitly Bank Deposit

Step-by-Step

1. Download Remitly app
2. Select Kenya
3. Choose "Bank deposit"
4. Enter bank details:

- Bank name

- Account number

- Account holder name

1. Select delivery speed:

- Express: Hours

- Economy: 1-3 days

1. Enter amount and pay
2. Track delivery

Method 3: Traditional Bank Wire

When to Use

• Very large amounts ($50,000+)
• Bank-to-bank preferred
• Corporate transfers

Step-by-Step

1. Visit your bank or use online banking
2. Select international wire
3. Enter recipient details:

- Full name

- Bank name

- Account number

- SWIFT code

- Bank address

1. Enter amount
2. Pay wire fee ($25-50 typically)
3. Keep confirmation

Downsides

• High fees ($25-50)
• Poor exchange rates (3-5% markup)
• Slow (3-5 business days)
• Possible intermediary bank fees

Getting Correct Bank Details

What to Ask Your Recipient

Send them this message:

```

Please send me:

1. Full name (exactly as on bank account)
2. Bank name
3. Branch name and code
4. Account number
5. Your phone number (for notifications)

```

Verifying Details

Before large transfers:

1. Make a test transfer ($20-50)
2. Confirm receipt with recipient
3. Then send full amount

Cost Comparison: Sending $1,000 to Kenya Bank

Wise saves ~$70 compared to bank wire.

Troubleshooting

"Account not found"

Causes:

• Wrong account number
• Wrong bank selected
• Account closed

Solution:

• Verify all details with recipient
• Double-check account number digits

"Name mismatch"

Causes:

• Name doesn't match bank records exactly

Solution:

• Use full legal name
• Include all names (first, middle, last)
• Ask recipient for name exactly as on bank statement

Transfer delayed

Possible reasons:

• Compliance review (normal for large amounts)
• Banking hours (arrives next business day)
• Verification needed

Action:

• Check email for requests
• Contact provider support
• Usually resolves within 24-48 hours

Tips for Successful Bank Transfers

1. Verify Before Large Amounts

Test with small amount first, especially for new recipients.

2. Use Correct Name Format

Kenyan bank accounts often have format:

• FIRSTNAME MIDDLENAME SURNAME
• Include all parts exactly

3. Note Business Hours

Kenyan banks process from:

• Monday-Friday: 8:00 AM - 4:00 PM EAT
• Saturday: 8:00 AM - 12:00 PM (some)
• Transfers after hours: Next business day

4. Keep All Records

Save:

• Transfer confirmation
• Tracking number
• Exchange rate used
• Recipient acknowledgment

5. Set Up Recurring (If Regular)

For monthly transfers, set up automated transfer in Wise.

Bank Transfer Limits

Provider Limits

Kenya Receiving Side

Kenyan banks have no practical receiving limits for international transfers.

For Business Payments

Additional Considerations

• Use business account (Wise Business, etc.)
• Keep invoices for documentation
• Note: Withholding tax may apply for certain payments
• KRA documentation for large commercial transfers

Frequently Asked Questions

How long does bank transfer to Kenya take?

• Wise: 1-2 business days
• Remitly: 1-3 business days
• Bank wire: 3-5 business days

Is it safe to send to Kenyan bank?

Yes, all major transfer services are regulated and secure. Use established providers like Wise, Remitly.

Do I need SWIFT code?

• Wise/Remitly: No, they handle routing
• Traditional bank wire: Yes, required

What if my recipient doesn't have bank account?

Send to M-Pesa instead, or they can open Equity or KCB account quickly.

Can I send USD to Kenya bank?

Most services convert to KES. Some banks accept USD deposits—check with your recipient's bank.

Conclusion

Sending to Kenyan bank accounts:

1. Use Wise for best rates and lowest fees
2. Get exact bank details from recipient
3. Test with small amount first
4. Track delivery in app
5. Keep records for future reference

Bank transfers are ideal for larger amounts where M-Pesa limits are restrictive.

Compare bank transfer rates on our calculator.