SGD to KES Exchange Rate Today
SGD to KES rate today — updated live
The Singapore Dollar to Kenyan Shilling (SGD/KES) corridor serves Kenya's professional diaspora in Singapore, where Kenyan healthcare workers, engineers, and finance professionals regularly send remittances home. Kenya's remittance market is one of East Africa's largest, and M-Pesa's deep penetration means many recipients can receive funds directly to mobile money wallets. Comparing providers on this corridor ensures the most shillings reach your recipient after all costs.
You can also compare USD to KES for the most widely tracked shilling rate, or GBP to KES for transfers from the UK.
AfriConvert displays the live SGD/KES mid-market rate and ranks providers by actual Kenyan shillings received — including M-Pesa-capable options — so you get the best value for every dollar sent from Singapore.
What Drives the SGD to KES Rate?
SGD/KES is a cross rate derived from SGD/USD and USD/KES. The Singapore dollar is managed by MAS under a NEER-targeting framework that keeps it highly stable relative to a basket of trading-partner currencies. The Kenyan shilling is influenced by Kenya's tea, coffee, horticulture, and tourism export revenues; remittance inflows; CBK monetary policy; and external debt dynamics. Movements in USD/KES are typically the larger driver of SGD/KES fluctuations.
Providers for SGD to KES Transfers
Wise and Instarem both support transfers from Singapore to Kenya. Wise applies the mid-market rate with a transparent fee structure, while Instarem — Singapore's home-grown international payments provider — offers competitive rates on this corridor. M-Pesa delivery may be available through select providers, enabling recipients to access funds instantly on their mobile devices without needing a bank account. Compare actual shilling payouts on AfriConvert before sending.
M-Pesa: Kenya's Preferred Receive Method
M-Pesa is the dominant mobile money platform in Kenya, used by tens of millions of Kenyans for everyday transactions. Many Kenyan diaspora members prefer sending to M-Pesa wallets because recipients can access funds immediately without needing a bank account. Check which providers available from Singapore offer direct M-Pesa delivery and compare their shilling payout on AfriConvert.
SGD/KES Rate Alerts
The SGD/KES cross rate can shift as the Kenyan shilling moves with Kenya's export performance and CBK policy. AfriConvert's rate alert feature lets you set a target SGD/KES level and receive a notification when the market reaches it — useful for planning larger or recurring transfers from Singapore to Kenya.
Why the Best Rate Doesn't Always Give the Highest Payout
When you see an exchange rate advertised for SGD to KES, it is almost always the headline rate — not what your recipient actually receives. Every money transfer provider applies a margin on top of the mid-market rate, typically ranging from 0.3% to 3%. This spread is the provider's built-in profit on the currency conversion itself.
Many providers also charge a separate transfer fee on top of the rate margin — either a fixed amount or a percentage of the transaction. "Zero fee" transfers simply embed the cost in the exchange rate spread rather than displaying it separately. These hidden costs make it impossible to compare providers based on advertised rates alone.
The only reliable comparison is the total KES your recipient receives after all markups, spreads, and fees are deducted. AfriConvert calculates this across every provider and ranks them by actual payout — so you can see the real difference at a glance and choose with confidence.
Compare Transfer Providers Side by Side
When converting Singapore Dollar to Kenyan Shilling, the amount that actually arrives can vary dramatically depending on which provider you choose. Each money transfer service sets its own exchange rate, applies different fee structures, and offers varying delivery speeds. Some providers advertise zero fees but compensate with a less favorable exchange rate, while others charge a transparent fee but offer rates closer to the mid-market rate. The difference between the best and worst provider on any given day can amount to thousands of KES on a typical transaction.
AfriConvert eliminates the guesswork by comparing the net payout from multiple providers in real time. We calculate exactly how much KES will arrive after all fees and exchange rate markups are deducted. Providers are ranked from highest to lowest payout, making it immediately clear which service delivers the most value. Comparing providers before every transaction ensures you get the best outcome. The comparison includes established services like Wise, Remitly, Western Union, WorldRemit, Sendwave, LemFi, and many more, all updated throughout the day to reflect current market conditions.
Compare SGD to KES providers now and see the real payout differences for yourself.
Convert Before You Send
The headline exchange rate you see on news websites or financial portals is the mid-market rate — the theoretical midpoint between buy and sell prices on global currency markets. However, this is rarely the rate you actually get when converting money. Every provider adds a markup to the exchange rate, which is their profit margin on the currency conversion. Some providers also layer on fixed fees or percentage-based charges that further reduce the amount that arrives. Understanding the gap between the headline rate and the actual payout is critical to making informed decisions about cross-border currency activity. AfriConvert's converter tool shows you the real payout outcome for any SGD to KES conversion. Enter the amount you want to convert and instantly see how much KES each provider will deliver. This goes beyond simple rate comparison — it factors in all fees, markups, and promotional offers to show the true cost of each transaction. The converter supports bidirectional calculation, so you can also start with a target KES amount and see how much SGD is needed.
Try the SGD to KES converter to see real payout amounts before you commit to a transfer.
Track Exchange Rate Trends
Exchange rates fluctuate constantly based on economic indicators, central bank decisions, trade flows, and market sentiment. For the SGD to KES corridor, these movements can be significant — a shift of even one or two percent in the exchange rate can translate to a meaningful difference in the final payout. Understanding whether the current rate is historically high, low, or average gives you the context needed to decide whether to act now or wait for a more favorable rate. AfriConvert provides a 30-day historical exchange rate chart for the SGD/KES pair, allowing you to visualize rate movements over the past month. The chart displays daily rate data so you can identify trends, spot patterns, and assess whether the rate is moving in your favor. Combining the historical trend view with real-time provider comparisons gives you a comprehensive picture of the best time to transact and the best provider to use.
View the SGD to KES rate trend chart and make data-driven transfer decisions.
Set Smart Rate Alerts
Timing your transaction to coincide with a favorable exchange rate can save significant money, especially on larger amounts. However, monitoring exchange rates manually throughout the day is impractical for most people. Rate movements can happen at any time — during your workday, overnight, or on weekends — and the best rates often appear briefly before the market moves again. Missing a favorable rate by even a few hours can mean less KES arrives than expected. AfriConvert's rate alert feature solves this problem by monitoring the exchange rate for you and sending a notification when it reaches your target level. Simply set the rate you want and you will receive an email alert as soon as that rate becomes available. This allows you to act quickly while the rate is still favorable. Rate alerts are free to set up and you can adjust or cancel them at any time.
Set a SGD to KES rate alert and never miss a favorable exchange rate again.