πŸ‡°πŸ‡ͺ Send money from Kenya, from any device

Check the rate.
Send in minutes.

Open an account in about 30 seconds and send to mobile wallets, bank accounts or cash pickup across East Africa and beyond β€” with every fee shown upfront.

Licensed & regulated by the Central Bank of Kenya
Moving money since 2013
Zero transfer fees

Today's rates

LIVE

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More than transfers

One account for everything that moves money

Flex Money Transfer is the one-stop shop for individuals and corporates β€” moving money since 2013, licensed and regulated by the Central Bank of Kenya, with partnerships across more than 100 banks worldwide, a constantly expanding agent network and support around the clock.

🌍

Cross-border payments

Send and receive across borders in a simple, hassle-free manner β€” from and to anywhere in the world.

IndividualsCorporates
🏦

Bank transfers

Transfer to any bank account, faster and at the most competitive rates, through partnerships with banks worldwide.

100+ partner banksAny account
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Instant money transfers

Processed within minutes β€” delivered as cash pickup, bank deposit or straight to a mobile wallet.

Within minutes3 payout options
πŸ’±

Foreign exchange

Best-rate currency exchange for travellers, businesses and students β€” buy and sell across 120+ currencies, retail and corporate.

Counter rates Β· loading…
120+ currenciesBook a rate
πŸ“²

Mobile wallet & M-Pesa

Send and receive money at home or abroad and pay utility bills β€” a few taps from your home or place of business.

Domestic & internationalBill payments
πŸ“₯

Inbound & retail payments

Famed for inbound transfers from across the globe, plus digital retail payment services for everyday business.

Receive worldwideDigital retail
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Cash delivery services

Cash & voucher assistance to remote areas where there are no banks β€” trusted by AMREF and international NGOs, and the Kenya Red Cross Society's designated paying agent across sub-counties.

NGO programmesRemote delivery
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Remittance-as-a-Service

White-label portal and simple API integration across multiple corridors β€” real-time KYC, AML and sanctions screening built in, with a short time to market.

API & white-labelFast deployment
"Enhancing convenience. Empowering dreams."
The Flex Money promise β€” and the values behind it
IntegrityInnovationCommitmentEmpowermentEnhancement
2013Moving money since
CBKLicensed & regulated
100+Partner banks worldwide
MinutesTypical delivery time
How it works

Verified once. Fast forever.

Apply in about 30 seconds, get approved by our compliance team, then every transfer goes straight through.

1

Apply in 30 seconds

Name, email and phone β€” that's the whole form. You'll get a reference number instantly.

2

We review, you track

Compliance reviews your application, usually within one business day. Check progress any time with your reference.

3

Send in minutes

Once approved, send to mobile wallets, banks or cash pickup β€” rate locked for 30 minutes, fees always shown first.

Same account, on the go

Take FLEX with you.

Everything works here in the browser β€” the mobile app adds what only your phone can do:

  • ✦ Sign in with your face or fingerprint β€” no passwords
  • ✦ Push alerts the moment rates move or a transfer lands
  • ✦ Saved beneficiaries one tap away for repeat sends
  • ✦ Camera-native ID verification, done in seconds

Or use the web app β€” no download

Apply for an account, track your application and send money right from your browser. Your reference syncs across devices.

Open the FLEX web app
  • β†’ Apply for an account in ~30 seconds
  • β†’ Check your application status
  • β†’ Send once you're approved