Germany’s Trade Policy Shift and Its Ripple Effect on Africa-Focused Remittances

 

In 2025, Germany’s evolving trade agreements with the EU and developing nations have led to new tariffs on African exports such as agricultural goods and minerals. While macroeconomic in nature, these changes also influence individual cross-border money flows, especially for migrants and diaspora families supporting loved ones back home.

 

For people living in Germany with family in Kenya, sending EUR to Kenyan Shillings (KES) smoothly is essential. Choosing the right remittance provider — and knowing the document requirements — can greatly impact the cost, speed, and convenience of your transfer.

 

 

EUR to KES Fluctuations: Banks vs Remitly vs Panda Remit

 

According to the ECB and Bloomberg, the EUR to KES exchange rate ranged from 140 to 147 KES per EUR in June 2025. Banks often offer unfavorable rates, charge €10–25 in fees, and can take 3–5 business days to deliver funds.

 

Remitly is a known platform, but its fees and rates vary depending on the service tier (economy/express) and may not always be optimal.

 

 

Why Panda Remit Stands Out for EUR to KES Transfers

 

Better Rates Than Many Banks or Remitly

 

Panda Remit offers exchange rates close to the mid-market rate, often 1.5–2.3% better than Remitly (based on June 2025 data).

 

Zero Fees for First Transfers

 

New users get a fee-free first transfer, and even after that, Panda Remit’s transparent pricing avoids the tiered fee confusion seen in some other platforms.

 

100% App-Based + Easy Document Prep

 

All transfers are done via the Panda Remit app, and you only need basic documents: valid ID, recipient details (e.g., M-PESA or bank), and a statement of purpose (personal use only).

 

Live Transfer Tracking + Fast Delivery

 

Follow your transfer step-by-step in the app. For supported partners, funds arrive in as little as 10 minutes.

 

 

Required Documents for Personal Transfers (Germany → Kenya)

 

Document Type	Description
Valid ID	Passport or residence permit
Recipient Info	Full name, phone number (M-PESA), or bank info
Transfer Purpose	Must be non-commercial (e.g., family support)
App Account	Transfers and tracking done via mobile app

 

 

 

EUR to KES Platform Comparison (for €1,000)

 

Platform	FX Rate	Net Received (KES)	Fee	Speed
German Bank	1 EUR = 141	141,000 KES	€20	3–5 days
Remitly (Eco)	1 EUR = 142	142,000 KES	€5	1–2 days
Panda Remit	1 EUR = 145	145,000 KES	€0	~10 minutes

 

 

 

Send Smarter, Track Faster — Try Panda Remit Today

 

Don’t overpay for slow transfers.
Use Panda Remit to send EUR to Kenyan Shillings with better rates, faster delivery, and real-time tracking — all in one app.

 

Sign up now to enjoy your first transfer with zero fees!
https://www.pandaremit.com/zh/chn/register