KenyaKESKenyan Shilling
Kenya: KES (Kenyan Shilling), M-Pesa (Safaricom) - Africa's leading mobile money system. Equity Bank, KCB, I&M Bank. No IBAN required. The amount in KES and exchange rate are locked in before payment; M-Pesa and bank route availability is confirmed upon request.
The route, the receiving bank and the payout amount are agreed before payment.
KES to a bank account via SWIFT. ATM24 conducts international transfers in Kenyan Shilling (KES) through available banking routes. IBAN format is not used in Kenya: for international transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name. Among the country's largest banks are Equity Bank and KCB (Kenya Commercial Bank); I&M Bank also actively works with international settlements. The national currency is the Kenyan Shilling (KES), with a floating exchange rate; in 2024, the benchmark was approximately 1 USD = 128–135 KES after recovering from levels above 160 KES per dollar at the beginning of the year. A unique feature of Kenya's payment system is M-Pesa by Safaricom, one of Africa's largest mobile wallets and a key channel for everyday payments in the country.
Receipt via M-Pesa is possible only if a specific ATM24 route supports this payout method; standard bank transfers go via SWIFT to an account. Kenya has not introduced its own sanctions against Russia; however, international operations undergo standard AML/KYC and compliance checks. ATM24 verifies the available route before payment. ATM24 commission is from 0.9%, and the international transfer timeframe is 2–4 business days.
KES. Visa and Mastercard are widely available in Kenya; major issuers include Equity Bank, KCB, Cooperative Bank, I&M Bank. Details required: 16-digit card number and recipient's full name. Commission from 0.9%
SWIFT transfer in KES to recipient's account - the primary banking route for Kenya. M-Pesa (Safaricom) - Africa's leading mobile money system; covers 90%+ of Kenya's mobile payments. SWIFT: Equity Bank (EQBLKENA), KCB (KCBLKENX), I&M Bank. Details: SWIFT code + account number + name (no IBAN). No sanctions against Russia. M-Pesa Global: international transfers to recipient's M-Pesa wallet. Recipient withdraws KES through M-Pesa agents throughout the country (even in rural areas). Confirm the M-Pesa route with your ATM24 manager
Cash for transactions in Kenya. ATMs: Equity Bank, KCB, I&M Bank in Nairobi and other cities. Cash withdrawal details: confirm with your ATM24 manager
M-Pesa (Safaricom) - Kenya's key distinction among other African countries; hundreds of thousands of agents across the country, including rural areas. The amount in KES and exchange rate are locked in before payment; M-Pesa and bank route availability is confirmed upon request. SWIFT: Equity Bank (EQBLKENA), KCB (KCBLKENX).
We accept RUB, USD, EUR and USDT — we pay out in KES
RUB KES
1.37per 1 RUB
10 000 ₽ = 13 669 KESUSD KES
122.55per 1 USD
100 $ = 12 255 KESEUR KES
138.92per 1 EUR
100 € = 13 892 KESUSDT KES
122.55per 1 USDT
100 USDT = 12 255 KES| You send | Payout in KES |
|---|---|
| 100 USDT | 12 255 KES |
| 300 USDT | 36 764 KES |
| 500 USDT | 61 273 KES |
| 1 000 USDT | 122 546 KES |
| 5 000 USDT | 612 730 KES |
Where recipients usually get the money in Kenya
Equity Bank Kenya — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
KCB Bank Kenya — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Cooperative Bank of Kenya — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
International bank with British roots. SWIFT SCBLKENA. Accepts SWIFT transfers from any country without additional restrictions.
Absa Bank Kenya — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Kenyan Shilling (KES), with an exchange rate set under a managed float regime. The current rate is confirmed before payment.
Card systems
Visa and Mastercard are accepted in cities and tourist areas. PesaLink enables instant inter-bank mobile transfers within the country. Equity Bank and KCB are the country's largest banks.
Payment applications
M-Pesa (Safaricom) - Africa's largest mobile transfer system, covering the majority of Kenya's adult population. M-Pesa Global allows receiving international transfers directly to an M-Pesa wallet. Airtel Money is the second-largest mobile money operator in the country.
Inter-bank transfers
SWIFT is used for international transfers. IBAN format is not used in Kenya. KEPSS (Kenya Electronic Payment and Settlement System) and RTGS support large inter-bank settlements within the country.
Financial regulator
Central Bank of Kenya (CBK) - the central bank and primary financial regulator of the country. CBK licenses banks, regulates the foreign exchange market, and oversees payment systems, including M-Pesa.
Features for ATM24
Primary banks for international transfers include Equity Bank (SWIFT EQBLKENA) and KCB (SWIFT KCBLKENX). Current SWIFT/BIC codes and route availability are confirmed before payment.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Only timing stated for an available method is shown. The terms are confirmed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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Frequently asked questions about transfers from Russia to Kenya (KES, M-Pesa) and features of Kenya's financial system.
To send money to Kenya with payout in KES through ATM24, choose whether the recipient should receive funds by M-Pesa, bank account, or supported card route. ATM24 checks Equity Bank, KCB Bank Kenya, or the selected channel, then confirms the KES amount, fee from 0.9%, and timing before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
In Kenya, a KES payout can be checked for a bank card, bank account, or M-Pesa route where available. ATM24 reviews the recipient's name, phone or bank details, and the route through Equity Bank, KCB Bank Kenya, or the selected service before payment. Bank payout and M-Pesa are not treated as the same channel. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
For Kenya, KES payouts can be checked through Equity Bank, KCB Bank Kenya, Co-operative Bank, NCBA, Absa Bank Kenya, or M-Pesa where available. ATM24 treats M-Pesa as a separate phone-based route. The recipient bank or service is confirmed before payment.
For a KES transfer to Kenya, details depend on M-Pesa, Equity Bank, KCB Bank Kenya, card payout, or account payout. M-Pesa needs phone data; bank routes need account or card details and recipient name. ATM24 confirms the KES route before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
A KES transfer to Kenya can start from 15 minutes after ATM24 checks M-Pesa, Equity Bank, KCB Bank Kenya, card, or account payout. Phone-number routes and bank-account routes may clear differently. The manager confirms timing before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
For Kenya, the ATM24 fee for a KES transfer starts from 0.9% and is calculated after choosing bank payout, card payout, or M-Pesa. Equity Bank, KCB Bank Kenya, and M-Pesa are checked differently, so the recipient's final KES amount is confirmed before the sender pays. External card or sending-bank fees are not included in the ATM24 fee. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
Yes, the sender can use an available payment method while the recipient receives KES in Kenya. ATM24 checks whether payout should go to M-Pesa, Equity Bank, KCB Bank Kenya, or a supported card route before payment. International-card issuer charges, bank-transfer fees, and USDT network costs are shown separately from the ATM24 calculation when they apply. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
ATM24 starts KES transfers to Kenya from 100 USD or the equivalent. The maximum amount depends on whether the recipient uses M-Pesa, a bank account, or a supported card route. For large KES payouts, the manager checks the channel limit, recipient details, and document requirements before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
For a large KES transfer to Kenya, ATM24 checks whether the recipient uses M-Pesa, Equity Bank, KCB Bank Kenya, card payout, or account payout. Documents may include sender ID, source-of-funds information, recipient phone or bank data, and payment purpose. The manager confirms the KES route limit before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
For a 1000 USD transfer to Kenya, the KES payout is calculated differently for M-Pesa, Equity Bank, KCB Bank Kenya, card payout, or account payout: 122,546.09 KES. ATM24 checks the channel limit, fee from 0.9%, and exchange conditions. The manager confirms the final KES amount before payment. Bank-route examples for Kenya: Equity Bank, KCB Bank Kenya, Co-operative Bank of Kenya, NCBA Bank Kenya, and Absa Bank Kenya.
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