Sending Money to Kenya Using Credit Card: The Ultimate Guide for 2025

The financial technology industry has undergone a dramatic transformation in recent years, making cross-border money transfers easier and faster than ever before. With the increase in expatriates and professionals working internationally, especially in emerging markets like Kenya, the need for effective and secure financial solutions has become more urgent than ever.
In this context, sending money using a Credit Card has become a popular and convenient option due to its widespread use and fast processing times. However, traditional methods still face several challenges such as high fees, delays in receiving funds, and lack of transparency in exchange rates, which causes losses for both the sender and the recipient.
This is where the TOWB platform comes in as an innovative and integrated solution that aims to provide a fast, secure, and competitively priced experience for sending money to Kenya via credit card. TOWB combines advanced financial technology with multiple delivery options to suit all needs, while ensuring strict compliance with regulatory standards for the best customer experience.

Why Prefer Using a Credit Card for sending money to Kenya via TOWB?

Easy and Fast Transaction Completion

Credit cards are among the most commonly used payment tools worldwide, allowing users to send money quickly without the need for complex procedures or long waiting periods. Through the TOWB platform, the Transfer process is completed within minutes, reducing the delays typically encountered in other methods which can take days.
 

Significant Cost and Fee Reduction

Most traditional methods impose high fees, sometimes up to 5-10% of the Transfer amount, which reduces the final amount received by the beneficiary. In contrast, we implement a transparent fee policy, where the fees typically do not exceed 2%, providing significant cost savings for users.
 

Multiple and Flexible Receiving Options

TOWB allows recipients in Kenya to receive money in various ways to suit their circumstances:

• Direct bank deposit: To accounts at major local banks such as Stanbic Bank, Equity Bank, and others.

• Digital wallets: Like MTN Mobile Money and Airtel Money, enabling instant receipt on mobile phones.

• Cash pickup: By visiting approved agents in the recipient's area, using the transaction number and ID card.
   

High Security and Reliability

We use the latest protection technologies such as data encryption, multi-factor authentication (2FA), and continuous monitoring systems to detect any suspicious activity, enhancing user trust and minimizing fraud risks.
 

Full Regulatory Compliance

We adhere to all banking and regulatory requirements, implementing strict policies for user identity verification (KYC) and anti-money laundering (AML), ensuring the legality and safety of financial transfers.

Steps to send money to Kenya Using a Credit Card via TOWB

1. Registration and Account Creation
   Start by registering on the TOWB platform by entering your basic details, and then complete the identity verification (KYC) process by uploading the required documents. This step ensures your account’s protection and enhances the security of your transactions.
    

2. Linking Your Credit Card to Your Account
   Add your Credit Card to the account through easy and secure steps, ensuring that the card is valid and activated for international transfers.
    

3. Selecting Transfer Amount and Currency
   Choose the amount you wish to send, and the platform will show you the current exchange rate, the fees imposed, and the expected net amount to be received by the recipient in Kenyan Shillings (KES).
    

4. Confirming Payment and Completing the Transaction
   After reviewing all details, confirm the payment. The amount is immediately deducted from your credit card, and the Transfer process begins.
    

5. Receiving Money in Kenya
   The recipient can choose the most convenient receiving method for them: Transfer to their bank account, instant receipt via digital wallet, or cash pickup from an approved agent.

Detailed Comparison Between TOWB and Traditional Methods

Security Tips to Ensure the Safety of Your Money Transfers

• Enable multi-factor authentication (2FA) on your account to protect your login.

• Use a secure internet network when entering your Credit Card details.

• Monitor the status of your Transfer via the TOWB platform and do not hesitate to contact support if you notice any issues.

• Avoid sharing your Credit Card information or account details with any untrusted entities.

TOWB’s Commitment to Compliance and Regulation

We operate within a strict legal framework, fully complying with the best international and local standards, including the regulations of the Central Bank of Kenya, and international financial regulatory requirements related to anti-money laundering and combating the financing of terrorism.
Implementing these policies is not just a procedural step; it is the foundation for building customer trust and ensuring the safety of their funds. For each transfer, we conduct rigorous and continuous checks including:

• User Identity Verification (KYC): Comprehensive verification of all parties' identity data to ensure the legitimacy of the process.

• Financial Activity Monitoring (AML): The platform uses advanced systems to detect any suspicious or unusual financial transactions and takes immediate preventive actions.

• Continuous Risk Assessment: Includes regular review of operations and continuous updates to policies to ensure compliance with new regulatory requirements.

Thanks to this strict commitment, we ensure that all transfers are completed transparently and safely, reaching recipients in Kenya without any risks related to fraud or misuse of funds.

Conclusion

With the ongoing challenges faced by traditional money transfer methods, which include high fees, delays, and a lack of transparency in exchange rates, TOWB stands out as an innovative digital solution built on three core pillars: speed, security, and transparency.
You can send money to Kenya easily using a credit card, with significant cost savings compared to traditional methods. The system ensures the amount reaches the recipient in Kenya in the local currency (Kenyan Shilling) within minutes, enhancing the user experience and providing peace of mind for both the sender and the recipient.
With advanced technology infrastructure and strict adherence to regulatory standards, we ensure secure and transparent financial transfers that strengthen the financial ties between expatriates and their families in Kenya.

🌟 Start Now with TOWB!

Don’t let your money get lost in high fees or long delays. Register your account with TOWB and start sending your money to Kenya quickly and securely, with a seamless and reliable Transfer experience.