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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 Australia — low fees, great rate
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. Trusted by 7,800+ transfers to Kenya.
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.
1 AUD = 87.43 KES
Rate updated in real time
Indicative — see the live rate in the appYour first transfer is free— no fees on your first send to Kenya
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Compare and save
Send 500 AUD to Kenya and keep more
The same AUD goes further with TopRate than with a typical Australia bank, because banks bury a margin in the exchange rate.
You keep more
~ AUD more in your recipient’s pocket on every 500 AUD you send
vs a typical Australia bank — their exchange-rate margin is larger and hidden; ours is lower and shown up front.
TopRate
Your recipient gets
~ KES
A typical Australia bank
Your recipient gets
~ KES
Indicative example based on a 500 AUD transfer and a typical bank exchange-rate margin of about 5%. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Real savings, real people
From the Kenya community in Australia
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 · AUD → 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 -- most popular delivery method
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
- 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 AUD 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.
Local payment rails
Pay the way Australians pay
Fund your transfer to Kenya straight from your Australian bank using the local payment rails you already trust — no card surcharges, no slow international wires.
PayID
Pay instantly using an email or mobile number — funds clear in seconds.
Osko
Real-time NPP bank transfer so your money is ready to send 24/7.
PayTo
Authorise secure, agreed payments straight from your bank account.
BPAY
Use the familiar biller-code method from your online banking.
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.
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 AUD to Kenya?
Join 7,800+ 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
AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join