Can I pay from M-Pesa to a Nigerian bank account?

Yes. Top up with M-Pesa, and pay out to any Nigerian bank or to fintech accounts like OPay, PalmPay, Moniepoint and Kuda using the account number.

What is the KES to NGN rate today?

The rate at the top of this page is live, refreshed within the last 30 minutes. The naira amount you see before sending is exactly what your recipient gets.

How much does it cost?

The rate is shown before you send, and the payout fee to a Nigerian bank or fintech account is ₦58. Wallet to wallet is free.

Why is this corridor hard for banks?

There is no direct shilling-to-naira banking rail, so banks route through SWIFT in dollars, stacking fees on both ends and taking days. Eversend converts directly and delivers in minutes.

Is Eversend licensed in Kenya?

Yes. Eversend is authorised for remittances in Kenya and has over 1.6 million registered users. Funds are safeguarded and transfers are tracked end to end.

HomeSend to Nigeriafrom Kenya

🇰🇪🇳🇬KES → NGN corridor

Send money from Kenya to Nigeria.

The short answer

More money moves Kenya-to-Nigeria on Eversend than on any other route we run: traders settling Lagos suppliers, families split between the two anchors of African commerce. M-Pesa or a Kenyan bank funds it; any Nigerian bank or fintech account receives it, name echoed back first; the KES to NGN figure is committed before a shilling moves.

Licensed and safeguarded1.6M+ registered usersRate shown before you send

Send KES → NGNUp to date

You send

KSh

🇰🇪KES

1 KES = 10.4 NGNLIVE

fees included · updated in the last 30 min

Recipient gets

51,945

🇳🇬NGN

fee ₦58deducted, shown before you send

51,945 NGN more than a typical bank transfer would deliver

Arrives in about a minutemedian 1.0 min, last 90 days

Start this transfer

Today's rate · KES → NGN

1 KES = 10.4 NGNUpdated in the last 30 min

The rate refreshes every 30 minutes. The recipient amount you see already includes our commission: what you see is what they get.

Delivery times

How fast money arrives in Nigeria.

Delivery depends on how the recipient is paid. These are measured times, not promises.

Bank account

~1 min

91% land within 5 minutes

Any Nigerian bank or fintech account with a NUBAN number.

Eversend

Instant

Lands the moment you send

If they have Eversend, the money is theirs the second you confirm.

Medians measured over the last 90 days of real transfers. A first transfer may need a one-time verification.

Send KES to Nigeria in 3 steps.

01

Create your account

Download Eversend and verify your identity once. It takes a few minutes.

02

Add your KES

Top up your Eversend balance with M-Pesa or a bank transfer from your Kenyan account.

03

Convert and send

Pick Nigeria, the amount, and how they're paid. The rate and fee are shown before you confirm, and the naira lands in about a minute.

Where the money lands

Payout methods in Nigeria.

Banks

Direct deposit to any major Nigerian bank.

GTBankAccess BankZenith BankUBAFirst Bank

Fintech accounts

Account-number payouts to the fintechs Nigerians use daily.

OPayPalmPayMoniepointKuda

KES → NGN, compared

A typical bank

Eversend

Rate you see

Hidden until it lands

Shown before you send

Transfer fee

Wire fees at both ends

₦58 to bank account, wallet free

Money arrives

2 to 5 business days

About a minute

Fintech account payout

Not supported

OPay, PalmPay, Moniepoint

More ways to send to Nigeria

🇳🇬Every way to send money to Nigeria 🇬🇧Send from the UK to Nigeria 🇺🇸Send from the US to Nigeria 🇬🇭Send from Ghana to Nigeria 🇨🇲Send from Cameroon to Nigeria The live KES to NGN rate page

Send from Kenya to…

🇰🇪Everywhere you can send from Kenya 🇺🇬Kenya to Uganda 🇺🇸Kenya to the US 🇹🇿Kenya to Tanzania 🇬🇧Kenya to the UK

KES → NGN questions.

Download Eversend, verify once, and top up your KES balance with M-Pesa. Then pick Nigeria, enter the amount, and the naira lands in their bank or fintech account in about a minute.

Our busiest route, for a reason.

M-Pesa to name-checked naira, figure committed first.

Get the app See the live rate