Equitel mobile money limits

[Papa Carder]

Equitel is the mobile money and banking service provided by Equity Bank Kenya, allowing users to send/receive money, pay bills, and access loans via the Equitel app or USSD (*254#). As of March 11, 2026, Equitel's transaction limits are aligned with Equity Bank's mobile banking guidelines and vary by type (e.g., to other mobile wallets, Equity accounts, or via PESALINK). These limits are designed to comply with Central Bank of Kenya regulations and prevent fraud, with higher tiers possible after verification. Below, I'll compare key limit categories based on available data. Note that limits can change; always check the Equitel app or Equity Bank's official site for the latest.

Key Transaction Limits Comparison​

Limit Type	Per Transaction (KES)	Per Day (KES)	Notes/Additional Details
To Other Mobile Wallets (e.g., M-PESA, Airtel Money)	Up to 140,000	Up to 300,000	Applies to transfers from Equitel line to non-Equity wallets. Combined daily limit for multiple recipients via services like WorldRemit is up to 1,000,000 KES.
To Other Equity Accounts	Up to 999,999	Up to 2,000,000	For transfers to another Equity Bank account.
To Own Equity Account	Up to 999,999	Up to 5,000,000	Higher daily limit for self-transfers.
Via PESALINK (to Other Banks)	Up to 999,999	Not specified (likely tied to daily overall)	PESALINK is for interbank transfers; daily max aligns with general mobile limits.
Cash Withdrawal (from Agents)	Up to 35,000 (based on tariff bands)	Up to 300,000 (aligned with daily send limits)	Withdrawal fees apply; max per band (e.g., 20,001-35,000 KES withdrawal fee 187 KES). Overall daily transaction limit is 500,000 KES across services.

Additional Notes on Limits​

• Account Balance Limit: Up to 500,000 KES (similar to M-PESA).
• Minimum Transfer: Typically 1 KES, but fees apply above certain thresholds.
• Verification Impact: Basic registration allows lower limits; full KYC (ID proof) unlocks higher tiers. For international receives (e.g., via WorldRemit), combined daily inbound can reach 1,000,000 KES.
• Comparison to M-PESA: Equitel has higher per-transaction limits for some categories (e.g., 999,999 KES vs. M-PESA's 250,000 KES), but M-PESA has broader agent network for withdrawals.
• Factors Affecting Limits: Can be influenced by regulatory changes, account type (personal vs. business), or fraud checks. Always confirm in the Equitel app or with Equity Bank support (*111# or +254 763 063 000).

These limits promote security and compliance but may be adjusted — contact Equity Bank for personalized details.