FX Benchmark Tool · Free · No account needed

How large is your bank's
FX margin?

Enter your bank's rate or the amounts from your last conversion. See the margin in basis points and in actual KES — instantly.

What this shows: Every bank applies a margin when converting currency — that is standard practice. This tool shows you how large that margin was, in basis points, compared to the market mid-market reference rate and to the typical range for Kenya commercial banks.
USD/KES
EUR/KES
GBP/KES
CNY/KES
AED/KES
Checking… Loading… Mid-market reference rate
EAC
UGX/KES
TZS/KES
RWF/KES
BIF/KES
Rate from your bank — buying or selling, either direction works Please enter your bank's rate
Add the amount to see the estimated KES value of this margin
Enter the foreign currency amount
Enter the KES amount

Works either way: selling foreign currency for KES, or paying KES to buy foreign currency. Enter both amounts and we calculate your implied rate and margin.

Your result
Market reference rate — Today's mid-market
Your rate — Bank quoted
Bank margin ? Basis points (bps) measure the size of the bank's margin.

100 bps = 1% of your transaction value.
300 bps = 3% of your transaction value.

Finance managers use bps to benchmark and negotiate FX rates. — Basis points (bps)
Estimated KES value of this margin
—
Competitive ≤150 bps
Standard 150–300 bps
Above Range >300 bps
Kenya banks typically: 100–300 bps
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We do not store your transaction data. All calculations run in your browser. No amounts, rates, or personal details are sent to our servers or saved anywhere.

The mid-market reference rate shown is an indicative rate from aggregated market data — it is not a tradable rate offered by any bank. All banks apply a margin above this reference; margins vary by bank, transaction size, client relationship, and timing. This tool is for information only and does not constitute financial advice. Verity is not affiliated with any bank or financial institution. Rates by ExchangeRate-API · Privacy Policy

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