Send money from Canada to Kenya (CAD to KES)

Compare today's live CAD → KES exchange rates and fees across every major provider. We show the hidden markup baked into each quote, so you can find the cheapest way to send money from Canada to Kenya — to M-Pesa or a bank account.

Quick answer: the cheapest way to send CAD to KES (Kenya) right now is Western Union, about 92.22 KES per C$1 with no transfer fee, ranked by how much actually arrives in KES, not by the headline fee.

Mid-market rate: 94.1045 KES per 1 CAD· updated Aug 24, 2026, 9:30 AM UTC

CAD to KES comparison — sending C$500

Ranked by how much actually arrives, grouped by how your recipient gets paid. Mobile money is how most people receive money in Kenya.

Best rate right now

The best-value way to send money to Kenya right now is Western Union: send C$500 and your recipient gets 46,109.34 KES — an effective 92.22 KES per C$1, with no transfer fee. Updated Aug 24, 2026, 9:30 AM UTC.

Mobile money payouts

Most used in Kenya

Pay out to mobile wallets in Kenya, usually within minutes.

5 providers
Provider
Rate
Fee
True cost
You receive
Western UnionBest value
M-Pesa · In minutes
92.22
Free
C$10.02 (2.00%)
46,109.34 KES
Western UnionBest valueM-Pesa · In minutes
Recipient gets
46,109.34KES
Rate92.22
FeeFree
True costC$10.02 (2.00%)
Sendwave
M-Pesa · In minutes
92.13
Free
C$10.48 (2.10%)
46,066.11 KES
SendwaveM-Pesa · In minutes
Recipient gets
46,066.11KES
Rate92.13
FeeFree
True costC$10.48 (2.10%)
WorldRemit
Mobile money · Within 5 minutes
92.13
Free
C$10.48 (2.10%)
46,066.10 KES
WorldRemitMobile money · Within 5 minutes
Recipient gets
46,066.10KES
Rate92.13
FeeFree
True costC$10.48 (2.10%)
Remitly
M-Pesa · In minutes
92.10
Free
C$10.65 (2.13%)
46,050.00 KES
RemitlyM-Pesa · In minutes
Recipient gets
46,050.00KES
Rate92.10
FeeFree
True costC$10.65 (2.13%)
Wise
Bank deposit · by Tuesday
93.55
C$10.65
C$13.60 (2.72%)
45,778.74 KES
WiseBank deposit · by Tuesday
Recipient gets
45,778.74KES
Rate93.55
FeeC$10.65
True costC$13.60 (2.72%)

First-transfer bonuses

New customers

Promotional first-transfer rates, for new customers only.

1 provider
Provider
Rate
Fee
True cost
You receive
RemitlyTop bonus
M-Pesa · In minutes
95.97
Free
Beats mid
47,985.00 KES
RemitlyTop bonusM-Pesa · In minutes
Recipient gets
47,985.00KES
Rate95.97
FeeFree
True costBeats mid

Bank payouts

Direct deposit to a bank account in Kenya.

2 providers
Provider
Rate
Fee
True cost
You receive
InstaremBest rate
M-Pesa · Varies
92.62
Free
C$7.91 (1.58%)
46,307.94 KES
InstaremBest rateM-Pesa · Varies
Recipient gets
46,307.94KES
Rate92.62
FeeFree
True costC$7.91 (1.58%)
Xoom
M-Pesa · Varies
89.25
C$10.99
C$36.79 (7.36%)
43,643.68 KES
XoomM-Pesa · Varies
Recipient gets
43,643.68KES
Rate89.25
FeeC$10.99
True costC$36.79 (7.36%)

Rates are indicative and last updated Aug 24, 2026, 9:30 AM UTC. Fees assume the cheapest standard bank funding; some providers add a small pay-in fee that varies by how you pay. First-transfer bonuses apply to new customers' first send only. Always verify the final exchange rate on the provider's payment page before making a transfer. See our methodology and advertiser disclosure.

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Sending money from Canada to Kenya

In Kenya, mobile money dominates: M-Pesa is used by the large majority of adults, so most recipients prefer a mobile-wallet payout that arrives in minutes over a bank deposit.

Bank transfers to Kenyan accounts are well supported too, but for everyday remittances M-Pesa is usually faster and more convenient for the person receiving the money.

When you send Canadian Dollar (CAD) to Kenya, most of the cost is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat compares the live CAD → KES rate across Wise, Remitly, Sendwave, WorldRemit, Western Union and more, benchmarks each against the mid-market rate, and ranks them by the amount that actually arrives in KES — so you can see the genuinely cheapest option rather than the one with the flashiest headline fee.

Sending money CAD to KES — your questions

What is the best rate to send money from Canada to Kenya today?+
As of the latest update, the best value provider for CAD to KES is Western Union, with an effective rate of 92.22 KES per CAD and no transfer fee. Rates change throughout the day, so always check the live comparison before sending.
What is the mid-market CAD/KES exchange rate right now?+
The current mid-market (interbank) rate is about 94.1045 KES per CAD. This is the "real" rate before any provider markup — RemitBeat shows how far each provider's quote sits from it.
What is a hidden markup, and how much does it cost me?+
Many transfer apps advertise "$0 fee" but bake their margin into a worse exchange rate. That gap between the provider's rate and the mid-market rate is the hidden markup. RemitBeat calculates it for every quote so you can compare the true, all-in cost rather than just the headline fee.
How can I receive CAD transfers in Kenya?+
Most providers we track deliver to M-Pesa or a bank account in Kenya. The comparison groups providers by payout method — mobile money and bank — so you only compare options that support the way your recipient wants to be paid.
How does RemitBeat make money if comparison is free?+
When you click through to a provider we may earn a small affiliate commission. You pay exactly the same as going to the provider directly — the rate you see is the rate you get. This keeps the comparison free and unbiased.