Are you a Nigerian travelling to Kenya and looking to pay for things?
If you want to send naira to Kenya before reading this article, you might walk into a bank, convert your naira to dollars, and provide some documentation. Then you wait for days for your money to get to the person or business after paying expensive fees.
In this article, I break down the 7 best apps for sending naira to Kenya. They are fast, easy to use, and don’t charge like banks.
My Top 7 Apps to Send Naira to Kenya
- Mavapay
- Hizo Africa
- Spendin
- Bitnob
- Cashwyre
- Eversend
- Boundless Pay
Ranking: The ranking below is based on overall user app stores rating, exchange rate fees, and transfer speed.
1. Mavapay
| ⭐ App Rating | 5.0 (Play Store) |
| 💱 Exchange Rate | ₦10.92 / KSh |
| ⚡ Transfer Speed | Under 10 minutes |
Mavapay is built for super-fast and low-cost cross-border payments across Africa.
It is cheaper and faster because it uses modern payment infrastructures (such as Bitcoin Lightning) to move money quickly, avoiding the delays and high costs common with other apps.
Pros
- Near-instant NGN to KES payments
- Very low and transparent fees
- No unnecessary currency conversions
- Reliable for business and personal payments
Cons
- Best suited for users comfortable with BTC
- Launched recently, not too many users
2. Hizo Africa
| ⭐ App Rating | 4.1 (App Store & Play Store) |
| 💱 Exchange Rate | ₦10.92 / KSh |
| ⚡ Transfer Speed | Under 10 minutes |
Hizo Africa is designed specifically for Nigerians who want to send money across African borders without complexity.
Pros
- Simple, beginner-friendly interface
- Naira-to-local currency conversions at live rates
- Sends to bank accounts and mobile wallets across Africa
- Useful for multi-country African travel (not just Kenya)
Cons
- Still growing user base, smaller community than Eversend or Bitnob
- Not ideal for large or frequent business transfers
3. Spendin
| ⭐ App Rating | 4.7 (App Store & Play Store) |
| 💱 Exchange Rate | ₦13.05 / KSh |
| ⚡ Transfer Speed | Under 20 minutes |
Spendin is designed specifically for the big spenders from Nigeria who love to spend money in South Africa. It allows you to spend naira that reflect directly as Kenyan Shillings (KES) in Kenyan bank accounts.
Pros
- Fast and large NGN to ZAR bank transfers
- Fund your account with naira, USDT, and USDC.
- Easy-to-use interface
- One-way transfers (NGN to ZAR bank accounts), no need to swap first.
Cons:
- Reported “processing” delays during peak bank hours;
- Newer app on the scene.
4. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦10.60 / KSh |
| ⚡ Transfer Speed | Under 30 minutes |
Bitnob is an app that uses Bitcoin and the Lightning Network to move money fast and cheaply across Africa.
Pros
- Send NGN to Kenyan bank accounts and M-Pesa wallets
- Offers near-instant settlement
- Supports 8 African countries for cross-border payments
- Global senders (US, UK, EU) can also send directly to Kenyan KES accounts via Bitnob’s Strike and CoinCorner partnerships
Cons
- Some users report that customer support can be slow to resolve issues
- Verification issues are occasionally reported by users
- 1% fee for all intra-Africa transfers
5. Cashwyre
| ⭐ App Rating | 4.6 (App Store & Play Store) |
| 💱 Exchange Rate | ₦10.98 / KSh |
| ⚡ Transfer Speed | Under 30 minutes |
Cashwyre is an app that lets you send money from Nigeria to Kenya in local currencies, removing the need for dollar conversion.
Pros
- Send Nigerian Naira directly to Kenyan accounts without converting to USD
- Fund wallet with Naira, Bitcoin, USDT, or USDC, creating a flexible entry
- Fast transactions: typically under 10 minutes
- Transparent process with in-app rate preview before confirming
- Available on both Android and iOS
Cons
- Smaller user base and fewer public reviews
- Customer support responsiveness is not well-documented
- Fee structure not prominently publicised.
6. Eversend
| ⭐ App Rating | 4.2 (App Store & Play Store) |
| 💱 Exchange Rate | ₦11.12 / KSh |
| ⚡ Transfer Speed | Under 30 minutes |
Eversend is an app designed for anyone that need to hold and send money across Africa. You convert from Naira to Kenyan Shilling and send it directly to any M-Pesa account.
Pros
- Send directly to M-Pesa wallets and Kenyan bank accounts
- Fund your wallet with Naira directly from a Nigerian bank account
- Free and instant transfers between Eversend users
- Multi-currency wallet: hold NGN, KES, USD, and more
- Supports 9+ African countries, including Ghana, Rwanda, Uganda
Cons
- Some users report occasional delays and deposit issues
- Exchange rates have been criticised as less competitive by some reviewers
- Sending a huge sum of money may be restrictive for large transfers
7. Boundless Pay
| ⭐ App Rating | 4.3 (App Store & Play Store) |
| 💱 Exchange Rate | — |
| ⚡ Transfer Speed | Under 30 minutes |
Boundless Pay offers you the capability to make multi-destination transactions.
Simply fund your wallet with Naira or USDT and send it directly to your recipient’s phone in Kenya.
With its Off Ramp feature, it converts your digital assets into local currency, KES in Kenya, within minutes.
Fee & Rate Comparison: Sending Naira (NGN) to Kenya (KES)
This table breaks down the real costs of moving money from Nigeria to Kenya today.
| App Name | Payout Method | Speed (minute) | Conversion Rate & Fees |
| Mavapay | M-Pesa / USSD | < 10 | ₦10.92 / KSh |
| Hizo Africa | M-Pesa / Bank | < 20 | ₦10.92 / KSh Fee: ₦72 KSh (Flat) |
| Bitnob | M-Pesa / Bank | < 30 | ₦10.91 / KSh |
| Spendin | Bank Account | < 30 | ₦13.05 / KShFee: 100 KSh (Flat) |
| Eversend | M-Pesa / Bank | < 30 | ₦11.12 / KSh |
| Cashwyre | M-Pesa / Bank | < 30 | ₦10.98 / KSh |
| Boundless Pay | M-Pesa | < 30 | - |
Which App Should You Use?
Most of these apps will get your Naira to Kenya — but the best one depends on your specific situation.
For the best exchange rate, go with Mavapay or Hizo Africa. Both offer ₦10.92/KSh, the most competitive rate in this list, and both settle in under 10 minutes. Mavapay edges ahead slightly on speed, making it the top pick overall.
Eversend and Bitnob are your most reliable options. Their infrastructure is purpose-built for mobile money, and both have a proven track record with Kenyan recipients. Bitnob also keeps fees low at a flat 1% for all Africa-to-Africa transfers.
For simplicity, Hizo Africa is the friendliest option for first-time senders. Its clean interface walks you through everything without needing any crypto knowledge — ideal if you just want to support family back home.
For bills, utilities, and everyday spending, Cashwyre and Mavapay are built for exactly this use case. Fast settlement, low fees, and no unnecessary currency conversion steps make them efficient for regular, smaller transfers.
For frequent cross-border travel across multiple African countries, Spendin or Eversend give you the most flexibility. Both support multi-currency wallets, so you can hold and send across several currencies without setting up a new account each time.
Spendin offer broad asset funding options (Naira, USDT, USDC). But it rate — at ₦13.05/KSh, is noticeably less competitive than the rest of the pack.
Bottom line: If you want one recommendation, start with Mavapay — best rate, fastest speed, and lowest fees.
Happy sending!
Disclaimer: The information provided in this article is for informational purposes only and does not constitute professional financial or legal advice. These rankings are based on the author’s personal testing, real-time customer reviews, and available market data for 2026; however, please be aware that fintech platforms and Nigerian exchange regulations are subject to frequent updates that can alter fees, features, or account stability at any time. Monierate strongly recommends performing your own due diligence and verifying current terms directly with the service providers before transacting, as we are not liable for any financial losses or service interruptions.