Send Money from Nigeria to Kenya via MTN MoMo
MTN MoMo PSB Nigeria → M-Pesa Kenya (Safaricom)
How much does it cost to send money from Nigeria to Kenya in 2026?
Via MTN MoMo, expect about 3% in fees. The recipient gets KES. Because NGN and KES both go through the US dollar, the real cost also includes each currency's spread to USD — see the USD-anchored rates below, not just the fee.
Why the Nigeria–Kenya route matters
Nigeria–Kenya links Africa's two biggest startup hubs, Lagos and Nairobi: this route runs less on physical goods than on tech investment, pan-African SaaS and fintech billing, and a fast-growing remote-work and professional-services flow between the two ecosystems.
Nigeria's NGN on the parallel market
Tracks live P2P (via Bybit)Nigeria's NGN trades at roughly a 3.7% premium on the parallel market — at the street rate your NGN is worth less against the dollar than the official rate above suggests, so the real route cost can be higher. See the Nigeria parallel rate →
Parallel signal: Binance P2P USDT median, updated 5 Sept 2026, 15:00 (less than 1h ago). The quote tracks the live official rate between refreshes.
How much are you sending?
Rate updated: 5 Sept 2026, 15:00 UTC · Indicative rate
| Send (NGN) | Fee (NGN) | Recipient ~ (KES) |
|---|---|---|
| 10,000 | 300 (3%) | 944 |
| 50,000 | 1,500 (3%) | 4,719 |
| 100,000 | 3,000 (3%) | 9,438 |
| 200,000 | 6,000 (3%) | 18,876 |
How to send from Nigeria to Kenya
- Open the MoMo PSB app → menu "Transfer to Africa".
- Or dial
*671#→ Transfer → International. - Select Kenya, enter the recipient's mobile number.
- Enter the amount in NGN. Confirm with your PIN.
- Instant settlement — the recipient gets an SMS and KES in their wallet.