Send money from Morocco to Kenya
You'll be doing this at a counter, not on your phone, and how much you can send is decided before you get there.
MAD
KESThe dirham is only partly convertible, so what you can send abroad is set by an Office des Changes allowance rather than by the operator. Sort out which allowance covers you first. Then it's an in-person transfer with your ID at one of Western Union's roughly 9,700 Moroccan locations, or at Wafacash.
Indicative options · not a live quote
Sending money from Morocco to Kenya
Our live comparison doesn't price Morocco-origin transfers, and there is no app race to compare here anyway. The dirham is only partly convertible, so the Office des Changes decides what a resident may send abroad and under which allowance, and the transfer itself happens in person with your ID. Two operators are verified on this route: Western Union, with around 9,700 locations across Morocco, and Wafacash, the Moroccan transfer company. Western Union's Moroccan flow offers payout as cash or straight to a bank account, chosen by the receiver's country, so ask at the counter what is on the menu for Kenya before you commit.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Cash pickup or direct to a bank account in Kenya, chosen by the receiver's country | Minutes for cash; a bank deposit takes longer | Visit site |
| Payout in Kenya through its partner networks | Minutes for cash | Visit site |
The thing that catches people out on this route is not the fee, it is the ceiling. Morocco's dirham is only partly convertible, so a resident can only send abroad under a specific Office des Changes allowance, and family assistance is a capped one. Work out which allowance covers your reason for sending, and how much of it is left this year, before you plan anything. After that the mechanics are simple: walk into a Western Union agent or a Wafacash branch with your ID and the receiver's details, pay in cash, and keep the tracking number.
Why Morocco to Kenya shows no live prices
Currency Expert's live comparison engine prices transfers that start in the UK and a handful of other major sending countries, where the providers we connect to operate. Morocco is not one of them, and this is a counter-based route rather than an app one, so there is no live table of quotes to line up.
The more useful question on this corridor is not who is cheapest but how much you are allowed to send at all, and what reaches Kenya once the rate margin has been taken. That is what the rest of this covers.
How the money reaches Kenya
Western Union's Moroccan flow asks you to choose the payout method based on the receiver's country, and the options it documents are cash or direct to a bank account. Most Kenyans keep day-to-day money in M-Pesa rather than a bank, and Western Union does credit Kenyan M-Pesa wallets on its network, so it is worth asking at the counter whether that payout is offered on your transfer. If it is not, a bank credit works, and the recipient can move it into M-Pesa themselves.
If it does land in M-Pesa, the wallet has hard ceilings set with the Central Bank of Kenya's approval: KES 250,000 per transaction, KES 500,000 in a day, and a KES 500,000 maximum balance. The balance cap is the one that bites, because a credit that would push the wallet over it is refused rather than part-paid. If your transfer is large, send to a bank account instead.
What sending money to Kenya really costs
Three things take a slice, and the counter fee is only the first. Neither operator publishes a dirham-to-shilling tariff, so treat what you are quoted at the counter as the only number that counts.
The exchange-rate margin
The margin added to the mid-market rate on the way to the shilling is usually the biggest cost on a transfer of any size, and it is easy to miss because it is quoted as a rate rather than a charge. Ask what rate you are getting, and judge the two operators on the shillings that actually arrive.
Receiving is free, cashing out is not
Safaricom does not charge to deposit into M-Pesa, so the recipient pays nothing for the money to land. The moment they withdraw it at an agent or ATM, a tiered withdrawal charge applies. If they are going to take it all out as cash, that fee is part of the real cost of the transfer.
The allowance, not the price
On this route the binding constraint is regulatory. A cheaper operator is no use if the amount you want to send sits outside the allowance you qualify for, so settle the allowance question before you shop on price.
Rules on each side
Sending from Morocco
The dirham is only partly convertible, and outbound transfers sit under the Office des Changes. A resident sends abroad only within a set allowance: chiefly a capped family-assistance allowance, alongside a separate tourist allowance (raised to around MAD 100,000 for 2026), plus study and emigration allowances. You send in person with a valid government-issued ID at a licensed agent. Confirm which allowance covers you, and what is left of it, before you plan the transfer.
Receiving in Kenya
Kenya taxes on a source basis, so income is taxed only where it accrued in or derived from Kenya. A personal or family remittance is not Kenyan-source income and is not taxed as income. Two caveats worth keeping straight: anything the recipient later earns from the money, such as rent, is taxable; and the Revenue Authority can look again at 'remittances' that are really disguised business or employment income. Both the operator and M-Pesa are supervised by the Central Bank of Kenya for anti-money-laundering, and since 2023 due diligence extends to identifying the beneficial owner, so questions about a large inflow are the rule doing its job.
Funding your transfer without overpaying
You pay at the counter in cash, in dirhams, and walk out with a receipt carrying the tracking number, which the receiver needs to collect. Before you hand the money over, get the rate and the fee separately rather than as one all-in figure, because the rate is where the margin hides. If a branch offers to take a card, check how your own bank treats it first, since some issuers book a money transfer as a cash advance and start charging interest from that day.
Scams to watch on this route
The traps are almost all at the Kenyan end, and Safaricom publishes the current ones. These are worth forwarding to whoever you are sending to.
The reversal that sends them to an agent
Rule: a caller claiming to be customer care asks the recipient to go to the nearest M-Pesa agent to 'reverse' a payment, then uses their number to defraud the agent. Safaricom says its customer care will never ask anyone to visit an agent for a reversal. Treat that request as the scam itself.
Codes you are told to dial
Rule: nobody legitimate asks you to key in a code like *33*0000*. Safaricom's own warning is blunt: do not press codes anyone tells you to, or you could block your line or send money to a conman. It is a call-forwarding code, not a fix.
The 'double registration' threat
Rule: there is no such thing as double registration. It is a pretext used to pressure people into handing over control of a line. Report the number to 333 rather than engaging.
Who is actually calling
Rule: Safaricom says its calls come only from 0722000000. Useful, but caller ID can be faked, so treat a matching number as weak reassurance and never share a PIN or one-time code regardless. Fraud goes to 333.
How most people send money from Morocco to Kenya
Settle the allowance first, because that decides whether the transfer is possible at the size you want. Then take your ID to a Western Union agent or a Wafacash branch, ask what payout options Kenya has on your transfer, and compare the two on the rate rather than the counter fee. If the sum is large, send it to a bank account rather than a wallet, and tell the recipient the reversal and code scams before the money lands.
Morocco to Kenya transfers: frequently asked questions
That is set by the Office des Changes allowance that fits your reason for sending, not by the operator. Family assistance is a capped allowance; there are separate tourist (raised to around MAD 100,000 for 2026), study and emigration allowances. The dirham is only partly convertible, so there is no route around it. Ask your operator which allowance applies and what is left of it this year.
Western Union does credit Kenyan M-Pesa wallets on its network, but the Moroccan sending flow documents cash and direct-to-bank payout chosen by the receiver's country, so ask at the counter whether M-Pesa is offered on your transfer. If it is not, send to a bank account; the recipient can move it into M-Pesa themselves afterwards.
Yes, and they are approved by the Central Bank of Kenya: KES 250,000 per transaction, KES 500,000 in a day, and a maximum wallet balance of KES 500,000. The balance cap matters most, because a credit that would take the wallet over it is refused outright rather than partly paid. For a large sum, use a bank account.
Not to receive it. Safaricom charges on sending and withdrawing, not on deposits, so the money lands whole. They will pay a tiered withdrawal charge when they take it out as cash at an agent or ATM, so if they plan to cash out the lot, count that in.
A valid government-issued ID, the receiver's first name and surname exactly as on their ID, the destination country and the exact amount. You pay in cash and get a receipt with a tracking number (MTCN), which the receiver needs to collect. Keep that number to yourself and the receiver.
No. Kenya taxes on a source basis, so only income that accrued in or was derived from Kenya is taxed, and a family remittance is neither. Two things to keep straight: anything earned from the money afterwards, such as rent, is taxable, and the Revenue Authority can reclassify 'remittances' that are really business or employment income. This is general information, not tax advice.
Our sources & how we keep this current
Last reviewed: 16 July 2026. Morocco's allowances and Kenya's wallet limits are both set by regulators and change on their timetable, not ours, so confirm the current figures with your operator before you send.
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