Money transfer service in the US that can send $300 straight into a mobile wallet in Kenya

Yes. Remitly is one option: it supports sending from the U.S. to a Kenyan M‑Pesa or Airtel Money wallet. Enter $300, choose Mobile wallet, and add the recipient’s wallet number; you’ll see the fee, exchange rate, and KES amount before confirming. (remitly.com)

Other services that list mobile-money delivery to Kenya include WorldRemit and Western Union. (worldremit.com)

Check the final quote before sending, since fees and exchange rates vary. Make sure the recipient’s name and phone number match their wallet account.

For $300 to an M-Pesa wallet, Wise or Remitly look like the strongest choices based on current comparisons. Remitly is the faster pick for some sends, and Western Union is usually the most expensive. Rates and fees change often, so check the live quote in each app before you send.

Top options

• Wise: One comparison reports that above about $300, Wise beats every other provider in this space including Sendwave. In that same guide, the fee is a $1.20 fixed charge plus 0.43% variable on the US corridor. Funding matters: link a bank account for ACH (US), which is free, or a debit card, which adds 0.5%. Avoid a credit card, since it triggers a cash-advance fee of 1.5-3% on top of Wise's fee.
• Remitly: Choose M-Pesa as the delivery option in the app, select Kenya as your destination, enter your recipient's details, then pay and send. In one July 2026 comparison, Remitly came in only slightly behind Wise on a US-to-M-Pesa send. Its Remitly same day was about KES 603 less than Wise on that same send.
• Sendwave or WorldRemit: Sendwave is described as charging no explicit fees and delivering instantly to M-Pesa, with a small exchange-rate markup of around 1–2%. WorldRemit lists M-Pesa as a partner for mobile money payouts, but you can send a maximum of KES 250,000 per transfer to M-Pesa accounts. Its fees and FX margin are close to Remitly's.
• Western Union: It works, but it costs more. One comparison found Western Union 3.47% total cost versus 0.87% for Wise on the same send. Choose it mainly if the recipient might need cash pickup.

Rough numbers for $300

At about 129 KES per dollar, $300 is roughly KES 38,000–38,700 before fees. Actual payout depends on the provider's rate and fee. One Wise example from July 2026 put a $100 send costs $1.63 all-in and delivers about KES 12,842.

Things to check

• Recipient wallet limits: M-Pesa wallets have their own caps. One provider notes that recipients can receive up to KES 500,000 depending on their M-Pesa wallet verification status. A $300 send should be well within that.
• Source reliability: Most of the fee figures above come from comparison sites, and they don't always agree. Treat them as estimates and confirm the exact fee and rate in the app before you pay.

There are several reliable and popular money transfer services in the U.S. that allow you to send $300 directly to a mobile wallet (like M-Pesa) in Kenya.

For a $300 transfer, here are the most recommended options:

Top Recommended Services

• Sendwave: Often cited as one of the best options for small-to-medium transfers (like $300). It is widely used for its speed, ease of use, and competitive rates for M-Pesa transfers.
• Remitly: A very popular choice that offers both "Economy" (slower, lower fees) and "Express" (faster, slightly higher fees) tiers. It is well-regarded for its reliability and frequent promotional rates for new customers.
• Wise: Generally known for having very transparent, low fees and using the mid-market exchange rate. It is highly efficient for most transfer sizes and is often the cheapest option for larger amounts, though it remains competitive for $300.
• WorldRemit: Another trusted provider that specializes in mobile money transfers and is known for being fast and secure.
• LemFi & Taptap Send: Both are popular apps specifically designed for international transfers to mobile money wallets, often featuring zero or low transfer fees.

Key Tips for Sending Money

• Check the Total Cost: Don't just look at the "transfer fee." Look at the exchange rate being offered. A service with "zero fees" might offer a worse exchange rate, meaning the recipient gets fewer Kenyan Shillings (KES).
• Payment Method Matters: To get the best value, fund your transfer using your bank account (ACH) or a debit card. Using a credit card often incurs extra fees from the card issuer. Avoid sending cash through retail agents if you want to avoid the 1% US remittance tax and extra service charges.
• Recipient Details: Ensure you have the recipient's full name as it appears on their M-Pesa account and their correct registered mobile number. Errors in these details can delay or prevent the transfer.
• Comparison: Because rates change frequently, it is a good idea to quickly check a comparison site like Monito or simply toggle between two of the apps above to see exactly how many KES your recipient will get before you confirm the transaction.

Summary Recommendation: For a $300 transfer, Sendwave or Remitly are excellent starting points due to their popularity and efficiency with M-Pesa. You can download their apps, create an account, and verify your identity in minutes to get started.

Yes. Remitly, WorldRemit, and Western Union offer transfers from the US directly to a recipient’s Kenyan M-Pesa mobile wallet. For $300, choose Kenya → mobile wallet/M-Pesa, enter the recipient’s name and M-Pesa number, then check the displayed exchange rate, fee, and delivery estimate before confirming.

• Remitly: Offers M-Pesa as a mobile-wallet delivery option for US-to-Kenya transfers. ¹⁴
• WorldRemit: Supports sending from the US to Kenyan M-Pesa and other mobile-money accounts; it says funds are typically credited quickly once payment is approved. The recipient needs an active, registered wallet. ³⁸
• Western Union: Lets you send directly to a Kenyan M-Pesa wallet online, in its app, or through an agent. ¹⁰

The exact Kenyan-shilling amount and fee can vary by provider and payment method, so compare the final quote in each service before sending.