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Earn your special rate sending to Kenya
Everyone else gives you their rate — you earn yours.
Your family receives more in KES, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to Kenya from New Zealand — low fees, great rate
Send NZD to KES at competitive exchange rates, straight from the TopRate app — built for the Kenya community in New Zealand sending money home to family and friends. Trusted by 2,100+ NZ senders to Kenya.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live NZD→KES rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live NZD → KES rate
Rate updated in real time
Your first transfer is free— no fees on your first send to Kenya
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Real savings, real people
From the Kenya community in New Zealand
Verified
“M-Pesa delivery within minutes is a game-changer. I can send to my mum in Nairobi straight from my phone.”
Grace Wanjiru
Brisbane, QLD · NZD → KES
Fast & flexible delivery
How your money reaches Kenya — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Mobile money / wallet
Typically within minutesM-Pesa supported
Bank deposit
Within minutes for M-Pesa, 1-2 days for bankDirect to Equity Bank and other major banks
Payout methods
- M-Pesa
- Equity Bank
M-Pesa supported
Supported banks
- Equity Bank
- KCB Bank
Simple process
How to send NZD to Kenya
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's Kenya bank or mobile wallet details.
- 4
Send and track
Confirm and track your NZD to KES transfer in real time.
Safe & registered
Registered, safe & DIA-supervised
TopRate Transfer is registered on New Zealand's Financial Service Providers Register (FSPR) and supervised for AML/CFT by the Department of Internal Affairs (DIA). Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Good to know
Frequently asked questions
Is your NZD to KES rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in Kenya receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to Kenya?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to Kenya holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to Kenya. Referring a friend just accelerates it.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered financial service provider on New Zealand's Financial Service Providers Register (FSPR), supervised for AML/CFT by the Department of Internal Affairs (DIA). Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send NZD to Kenya?
Join 2,100+ happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to Kenya in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
4.8App Store4.7Google Play
FSPR-registered remittance provider256-bit encryption
Trusted across NZ & Australia
Trusted across NZ & AustraliaScan to join