#AppArrives asBehind the topFee
1InstaremKES 51,361.53Most arrives£0Best regular price this week. No visible fee, and the exchange rate is under 1 percent below the real market rate.
2WiseKES 50,848.00KES 513.53£5.04The safe default. Real market rate, visible fee, arrives in seconds. About 514 shillings behind Instarem, or £3.
3Remitly (regular)KES 50,814.00KES 547.53£0No visible fee. The exchange rate takes about 1.75 percent.
4SkrillKES 50,267.12KES 1,094.41£0No visible fee. The exchange rate takes nearly 3 percent.
5Western UnionKES 50,169.44KES 1,192.09£2.99Sample is Tuesday's number in the Wise price comparison. Small visible fee, plus about 2 percent more in the rate.
6Xoom (PayPal)KES 48,823.60KES 2,537.93£2.99The least money arrived. Small visible fee, plus more than 4.5 percent in the exchange rate.
7Remitly (first send only)KES 51,069.00KES 292.53£0Promotional rate of 170.23 shillings to the pound. Only on your first transfer, and only on the first £600 you ever send with them.
Here is what each one delivered.
Rates checked Friday 24 July 2026, morning UK time. Wise's number is from Wise's live rate feed at around 5am UK time, alongside its own price comparison. Instarem, Skrill and Xoom are from that same comparison, all sampled around 04:30 this morning (between 04:26 and 04:31 UK time).
Western Union's number was last sampled by that comparison on Tuesday 21 July at 16:40 UK time, so treat it as a Tuesday snapshot, not this morning's. Remitly does not have a fresh sample there today, so both Remitly numbers are taken directly from the Remitly UK site this morning.
To sanity-check the exchange rate, we cross-referenced open.er-api.com, an independent source: it puts the rate at 173.15 shillings to the pound, within 0.5 percent of Wise's. The rate matches. The comparison does not split M-Pesa wallet delivery from bank deposit; you pick which one inside the app when you send.
LemFi, Taptap Send, Sendwave and WorldRemit do not show a fresh price on this route in the comparison today, so they are not in the table this week.
What to actually open
If you already have Instarem installedOr you do not mind setting up a new app, use Instarem.On £300 this week it delivered the most shillings of any regular price, with no fee. That is about £3 worth of shillings more than Wise.
If you want the safestBest-known option and you do not want to open a new app, use Wise.On £300 this week Wise gave 514 shillings less than Instarem, which is about £3. The fee is on the screen, the exchange rate is the real market rate, and the money arrives in seconds. For a lot of senders that plainness is worth the £3.
Do not open Xoom for this send unless there is no other option.The visible £2.99 fee looks small. The full cost, once you add the fee and the gap to the real market rate, comes to about £16.78 on £300. That is £14.72 more than Instarem took, for the same £300 sent, on the same morning.
Western Union sits between the two on the current sample, and their sample is 3 days old.Even at that Tuesday snapshot they were taking about £8.98 in total on £300.
Remitly's regular price is close to Wise this week: 34 shillings behind, or about 20 pence.If you are already a Remitly customer, Instarem is still the better answer for this send.
If you are a new Remitly customerTheir first-transfer rate of 170.23 shillings to the pound beats Wise by 221 shillings on £300, about £1.30.It does not beat Instarem's regular price. The offer is capped at the first £600 you ever send with them, so it is not the plain right answer for this week's send. If you were going to open Remitly anyway, take the first-transfer rate; if not, Instarem is still the number to beat.
For the whole route in one place, see how to send money to Kenya.
One thing the table cannot show
The table tells you how much of your £300 arrived as shillings. It does not tell you what those shillings then cost to move around.
Most people sending to Kenya are sending to M-Pesa, not a bank account. The shillings arrive in the wallet and the household spends them from there. What is easy to miss is that Safaricom charges the recipient a small fee to move that money onward, and a bigger one to cash it out at an M-Pesa agent. On a £300 send that arrives as about 51,000 shillings, sending it onward to another wallet costs 108 shillings, a little over 60 pence. Cashing it out at an M-Pesa agent costs 309 shillings, close to £1.80.
Those are small numbers next to the £14.72 that a bad app took at the top of this piece. They are what the receiver actually pays, out of what arrived. If the household leaves the money in the wallet and spends it directly at the market or on a bill, most of that cost never comes out.
Airtel Money in Kenya recently raised its fees for sending to M-Pesa. Read plainly, that is a fee the recipient pays on money already in their Airtel wallet, not a fee on your UK send. If the person you send to uses Safaricom's own M-Pesa, as most do, nothing has changed for them. If they use Airtel Money and forward the money onward to a Safaricom wallet, that hop just got more expensive on their side.
Next Friday: another country, another number.
Corrections
- 2026-07-26: An earlier version of this page said Instarem, Skrill and Xoom were "all sampled just before 04:30 this morning" in the Wise price comparison. Two of the three (Instarem at 04:26 UK time, Xoom at 04:29 UK time) were sampled before 04:30, but Skrill was sampled at 04:31 UK time - one minute after. The line has been rewritten to "around 04:30 this morning (between 04:26 and 04:31 UK time)". The delivered shillings, fees and rates in the table are unchanged; only the sampling-window wording was wrong.
- 2026-07-24: An earlier version of this page said Remitly's regular price took "just under 1 percent" in the exchange rate on £300 to Kenya. It takes about 1.75 percent. The rate shown in the table (169.38 shillings to the pound), the £0 visible fee, and the "34 shillings behind Wise, or about 20 pence" line in the body were all correct; only the percentage phrase was wrong. The table row now reads "about 1.75 percent".