Sending money from your Equity account to M-Pesa is now faster and easier thanks to Equitel. But many users still struggle to understand the real transfer costs. Hidden fees can make regular transactions expensive, especially for people who depend on mobile money every day.
This guide explains every charge you will encounter when sending money from Equity to M-Pesa through Equitel. It uses simple English, short paragraphs, and a clear fee table to help you plan your transactions and avoid unnecessary costs.
Understanding Equitel To Mpesa Transfer Charges in Kenya
Equitel offers one of the most convenient ways to move money from your bank account to mobile money. The platform allows you to send cash instantly, check your balance, borrow loans, and pay bills using your SIM or app.
When sending money from Equitel to Mpesa, Equity applies specific fees depending on the amount you are transferring. Knowing these charges helps you manage your cash better and avoid surprises.
Below is the official Equitel to Mpesa transfer charges table.
Equitel To Mpesa Transfer Charges Table
| Amount Range | Charges (KES) |
|---|---|
| 1 – 100 | 0 |
| 101–500 | 11 |
| 501–1,000 | 13 |
| 1,001–1,500 | 15 |
| 1,501–2,500 | 24 |
| 2,501–3,500 | 34 |
| 3,501 – 5,000 | 44 |
| 5,001 – 7,500 | 56 |
| 7,501 – 10,000 | 66 |
| 10,001–15,000 | 66 |
| 15,001–20,000 | 66 |
| 20,001 – 25,000 | 68 |
| 25,001 – 30,000 | 68 |
| 30,001 – 35,000 | 68 |
| 35,001 – 40,000 | 68 |
| 40,001 – 45,000 | 68 |
| 45,001–50,000 | 68 |
| 50,001–70,000 | 68 |
| 70,001 – 150,000 | 68 |
You can send up to KES 150,000 per transaction and up to KES 300,000 per day, depending on your Mpesa limits.
How to Send Money From Equitel to Mpesa
Sending money is simple. Follow these steps to complete your transfer fast.
Open your Equitel SIM toolkit or Equitel app
Select Send Money
Choose Mpesa
Enter the phone number and amount
Confirm the details
Enter your PIN to complete the transfer
The money reflects instantly in the Mpesa wallet.
Tips to Lower Equitel To Mpesa Transfer Charges
You can reduce your total monthly spending on transfers by following simple habits.
1. Group transactions
Instead of sending small amounts many times, send one higher amount. Most higher bands have similar fees.
2. Use free bands when possible
Transfers between 1 and 100 bob cost nothing.
3. Confirm details before sending
Reversals may take time and could attract extra steps.
Why Many Kenyans Prefer Equitel
Equitel connects banking and mobile money in one platform. It gives users affordable loans, fast transfers, and easy bill payments. The charges to Mpesa are also predictable, making it a reliable option for daily use.
Equity Bank Contacts
Phone
0763 000 000
