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For freelancers · KenyaUSD details in early accessGet paid in USD by clients abroad, from Kenya
Vezmo gives freelancers in Kenya one account to get paid by clients abroad: invoices and payment links your clients pay by card, ACH, Apple Pay or Google Pay, USD account details they pay by ACH or wire, and payouts to your bank in KES, in early access. Receiving by ACH is free.
Invoices and payment links are live. Account details and payouts are in early access. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
RidgelineACH from Denver+$3,800.00
Lindqvist GmbHSEPA from Berlin+€2,150.00
Thornbury LtdTransfer from London+£1,600.00
Received by your account in Kenya Payout to Kenya- Received by ACH from Ridgeline$3,800.004 Nov
- Payout fee, Free plan−$9.00$9 + FX on Free
- Converted to KES1 USD = 127.96 KES, 1.0% FX included
- On its way to your bank in KenyaKES 485,096.36KES · Bank •••• 6048
- Clients pay by
ACH- Card and wallets on your invoices, live today. ACH and wire to your USD details, in early access.
- Account details
5 currencies- USD, EUR, AED, GBP and SGD, in early access. USD is free; the others are $5 a month each on Free, 2 included on Grow, all included on Pro. Which ones you can use is confirmed when you sign up.
- Receive by ACH
- Free
- Free on every plan. A domestic wire is $15, $10 or $5 by plan.
- To your bank
- KES to your bank
- Rate, fee and expected arrival shown before you confirm. Early access.
Getting paid from abroad
Three ways clients abroad pay freelancers in Kenya.
Each one gets the money to you. They differ in what can be taken on the way, and in who converts it.
- Client in the USfee?Correspondent bankfee?Your bank in Kenya
A SWIFT wire to your bank in Kenya
Your client's bank sends an international wire. It can pass through correspondent banks that each take a fee, so less can arrive than you invoiced, and your bank may convert it to shillings at its own rate.
Local details vs a SWIFT wire - Client in the USPlatform balancefeeYour bank in Kenya
A payment platform balance
Your client pays into a platform account and you withdraw to your bank. Payoneer, for example, charges 1.2% to 4% to withdraw to a bank with currency conversion.
Source: Payoneer pricing - With Vezmo · early accessClient's US bankACH freeYour USD details
USD account details
Your client pays by ACH or wire from their own US bank, the way they pay a US contractor. Nothing passes through correspondent banks on the way.
ACH in: free on every plan
Freelance platforms
Getting paid from Upwork, Fiverr or Deel.
Each of them can send your earnings to your Vezmo USD details, in early access. Their own fees and rules still apply, and the account name must match your name on the platform.
Upwork: Direct to U.S. Bank
- 1Settings › Withdrawals › Add a method › Direct to U.S. Bank
- 2Enter your Vezmo routing and account numbers, and pick Checking as the account type
- 3Use the account name that matches your verified Upwork name
Upwork: $2.99 a withdrawal with a tax address outside the US. A new method is active after 3 days; ACH arrives in 2 to 5 business days.
Arrives by ACH: free to receive
Upwork fees and withdrawals Source: Upwork HelpFiverr: Bank Transfer (via Payoneer)
- 1Earnings › Add payout method › Bank Transfer (via Payoneer), in USD
- 2At Payoneer, add your Vezmo USD details as the withdrawal account
- 3Wait 24 hours: Fiverr holds a new or changed payout method that long
Fiverr: $1 a withdrawal, from $20. Fiverr lists the USD bank transfer as a wire, in 5 to 7 business days.
By ACH: free to receive. By wire: $15, $10 or $5 by plan; $25, $25 or $20 by SWIFT
Source: Fiverr HelpDeel: bank transfer
- 1Add a bank transfer withdrawal method in USD
- 2Enter your Vezmo routing and account numbers and the account name
- 3Withdraw from your Deel balance to it
Deel lists its fee for each withdrawal method on its own page.
By ACH: free to receive. By wire: $15, $10 or $5 by plan; $25, $25 or $20 by SWIFT
Source: Deel’s withdrawal options
With Direct to U.S. Bank, your earnings reach Vezmo in dollars, free to receive. Upwork’s other routes in Kenya convert when you withdraw: Direct to Wallet to M‑Pesa, at a rate that includes conversion costs, and Direct to Local Bank in KES, $0.99 plus any incoming bank fee at a rate Upwork doesn’t publish. Source: Upwork Help
Clients you found on Upwork or Fiverr pay through the platform: both forbid moving them off it, Upwork unless its Conversion Fee is paid. Use Vezmo invoices for the clients you found yourself. Vezmo’s fees
How it works
How getting paid works in Kenya with Vezmo.
- Step 1Clients pay your invoice
By card, ACH, Apple Pay or Google Pay, or by bank transfer to your USD details (early access).
- Step 2You see each payment arrive
Every payment in one account, with who paid, how and when.
- Step 3To your bank in Kenya
Move your earnings to your bank in Kenya in KES, with the rate, the fee and the expected arrival shown before you confirm. Payouts are in early access.
For freelancers in Kenya
Why account details matter in Kenya.
Developers, designers and writers in Kenya work for clients in the US, Europe and the Gulf. Some of the accounts freelancers use for that don't serve Kenya: Grey's US accounts, for one, aren't offered there. With Vezmo, a client pays your invoice by card, or pays your USD account details by ACH from their own bank.
Residents of Kenya have their own rules for money received from abroad. We confirm what you can use when you sign up.
- Your passport or another photo ID
- A proof of address dated within the last 90 days (a national ID card doesn't count)
- A US tax form, signed in the app (a W-8BEN for most people outside the US)
- USDACH and wire from US clients
- EURSEPA and SEPA Instant from clients in Europe
- AEDLocal transfers from clients in the UAE
- GBPLocal transfers from clients in the UK
- SGDLocal transfers from clients in Singapore
Confirmed for your account when you apply.
Move your earnings to your bank in Kenya in KES, with the rate, the fee and the expected arrival shown before you confirm. Payouts are in early access.
Fees
What it costs, plan by plan.
The same prices as everywhere on Vezmo. Your USD account is free, and receiving by ACH is free on every plan. On Free, other currencies and a quiet quarter's upkeep cost extra, as the table shows. Each conversion and payout shows its rate and fee before you confirm.
- By ACH, any planFee: freeYou receive$3,800.00
- By domestic wire, Free planFee: $15You receive$3,785.00
- By domestic wire, Pro planFee: $5You receive$3,795.00
Pay out in local currencyWhere we have a local route$9 + FX$6 + FX$5 + FXUSD accountFreeFreeFreeExtra currency accountsAED, EUR, GBP, SGD$5 a month each2 includedAll includedClients paying your invoice by card: from 2.79% + $0.29 per charge, the same on every plan (VezmoPay pricing).Compared with other options
What other accounts say about Kenya.
From each company’s own website, checked 6 Nov 2026. Names and logos are trademarks of their owners, and none of them endorses Vezmo.
- VezmoEarly accessFreelancers in Kenya can apply for USD, EUR, AED, GBP and SGD details, and pay out to a bank in Kenya in KES, in early access.FeesIs Vezmo a bank?
GreyIssues US accounts only in the countries on its list, and Kenya isn't on itSource Vezmo vs Grey
AirwallexOpens accounts only for businesses registered in a country on its list, and Kenya isn't on itSource Vezmo vs Airwallex
WiseDoesn't give USD account details to addresses in Kenya: you need an address in a country where Wise lets you hold money, and Kenya isn't on that listSource USD details rule Vezmo vs Wise
PayoneerCharges 1.2% to 4% to withdraw to a bank with currency conversionSource Vezmo vs Payoneer
Guides
More for freelancers paid from abroad.
Can freelancers in Kenya use Vezmo?
Yes, as sole traders, for the money they earn from their work. Accounts are in early access, and we confirm what you can use when you sign up.
How do clients abroad pay me?
By card, ACH, Apple Pay or Google Pay through your invoice or payment link, or by ACH or wire to your USD account details (early access). Clients in Europe can pay your EUR details by SEPA.
What does it cost to receive money?
Receiving USD by ACH is free on every plan. A domestic wire is $15 on Free, $10 on Grow and $5 on Pro, and an international (SWIFT) wire is $25 on Free, $25 on Grow and $20 on Pro. If a client pays your invoice by card, card payments start at 2.79% + $0.29. Each currency account besides USD costs $5 a month on Free (2 included on Grow, all included on Pro). On Free, an upkeep fee of $15 a quarter applies only when your account is quiet. Every other fee is shown before you confirm.
See every feeCan I move money to my bank or to M-Pesa?
To your bank, yes, in early access: pay out in KES to your bank in Kenya, with the rate, the fee and the expected arrival shown before you confirm. Payouts to a mobile wallet are confirmed when you sign up.
Do I need a US company?
No. Freelancers apply as sole traders, with a passport or another photo ID, a proof of address dated within the last 90 days and a US tax form signed in the app (a W-8BEN for most people outside the US).
Is Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Where you can apply from
Freelancers in these countries, and more.
What you can use depends on where you live, and we confirm it when you apply. A linked country has its own page.
