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
P2P updated 16h agoNigeria's NGN trades at roughly a 1.8% 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 →
P2P signal: last median 18 Jul 2026, 11:00 (16h ago) — may be slightly delayed. Premium % is the last known value; the quote still tracks the live official rate.
How much are you sending?
Rate updated: 19 Jul 2026, 03:00 UTC · Indicative rate
| Send (NGN) | Fee (NGN) | Recipient ~ (KES) |
|---|---|---|
| 10,000 | 300 (3%) | 912 |
| 50,000 | 1,500 (3%) | 4,559 |
| 100,000 | 3,000 (3%) | 9,118 |
| 200,000 | 6,000 (3%) | 18,236 |
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.