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 Australia
Delivery time: Few seconds
Send AUD to KES at competitive exchange rates, straight from the TopRate app — built for the Kenya community in Australia sending money home to family and friends.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live AUD→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.
Rate updated in real time
Registered, Australian & safe
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Real savings, real people
From the Kenya community in Australia
“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 · AUD → KES
Delivery
How your money reaches Kenya — methods & speed
Delivery time to Kenya: Few seconds. Your exact delivery estimate is shown in the app before you confirm.
Bank deposit
Direct to Equity Bank and other major banks
Mobile money
Paid out as mobile money in Kenya
Payout methods
- M-Pesa
- Equity Bank
- KCB Bank
M-Pesa supported -- most popular delivery method
Supported banks
- Equity Bank
- KCB Bank
- Co-operative Bank of Kenya
Simple process
How to send money from Australia 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 AUD to KES transfer in real time.
Paying for your transfer
Ways to pay from Australia
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
PayID
No added charge
AU Bank Transfer
No added charge
Card Payment
Adds A$0.50 + 0.5%
Apple Pay
Adds A$0.50 + 0.5%
Google Pay
Adds A$0.50 + 0.5%
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
Is your AUD 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 remittance provider — with AUSTRAC in Australia and on the FSPR (DIA-supervised) in New Zealand. Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
TopRate app
Ready to send AUD to Kenya?
Join thousands of 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.
Australian owned & operated