Sending money to Kenya from Canada

The World Bank surveyed 8 providers on this corridor. On C$200 the cheapest costs 2.17% of what you send and the dearest 10.01%. Enter your own amount below — the ranking changes with it.

Cheapest surveyed

Royal Bank of Canada

C$4.34 to send C$200 (2.17%)

The dearest would cost you

C$15.67

more, for the same transfer

Every provider, ranked at C$200

The fee and the exchange-rate margin are shown separately on purpose. A transfer advertised as "no fee" can still be the expensive one, because the margin is where the cost hides.

Provider	Type	Fee	FX margin	Total cost	% of transfer
Royal Bank of Canada 2 days	Bank	C$0.00	C$4.34	C$4.34	2.17%
Wise Next day	Money Transfer Operator	C$5.42	C$0.30	C$5.72	2.86%
Western Union Less than one hour	Money Transfer Operator	C$12.00	C$-4.28	C$7.72	3.86%
WorldRemit Less than one hour	Money Transfer Operator	C$0.00	C$8.38	C$8.38	4.19%
Xoom Less than one hour	Money Transfer Operator	C$0.00	C$10.14	C$10.14	5.07%
Ria Less than one hour	Money Transfer Operator	C$5.00	C$6.02	C$11.02	5.51%
MoneyGram Less than one hour	Money Transfer Operator	C$4.99	C$8.60	C$13.59	6.80%
Toronto Dominion Bank 3-5 days	Bank	C$6.99	C$13.02	C$20.01	10.01%

Banks, transfer operators and mobile money

Who you send with matters more than anything else about the transfer. Median cost by provider type, on C$200:

Bank — 6.09% (2 providers surveyed)
Money Transfer Operator — 4.63% (6 providers surveyed)

That ordering is for C$200 and does not necessarily hold at your amount. Where a provider charges a flat fee, it is punishing on a small transfer and forgettable on a large one — which is enough to reverse the order entirely. The ranked table above is the one computed at your amount; this one is not.

How to read these numbers

The cost of a transfer is the fee plus the margin the provider takes on the exchange rate. The margin is invisible at the counter: you are quoted a rate, not the difference between that rate and the interbank one, so a "free" transfer can quietly cost more than one with a fee attached. Both are separated in the table above.

Percentages fall as the amount rises wherever a provider charges a flat fee, which is why the same provider can be the cheapest at one amount and not at another. That is exactly what the calculator is for — the ranking above is computed at your amount, not at a fixed one.

Source: The World Bank, Remittance Prices Worldwide, available at https://remittanceprices.worldbank.org — survey period 2025 Q1, field-collected to 11 March 2025. Licensed CC BY 4.0. These are surveyed benchmark costs from a dated quarterly study, not live quotes, and providers change pricing between surveys — check the current cost with the provider before you send. The World Bank does not endorse this use of its data. This is general information, not financial advice.