How to Send Money from USA to Equitel Kenya

Send money directly to Equitel mobile wallets from the United States. Fast, secure transfers with competitive rates.

Updated: Feb 20267 min read

💳 Quick Start

1. Choose Wise or Remitly (best for Equitel)

2. Enter recipient's Equitel phone number

3. Send payment - money arrives within hours

Start Equitel Transfer Now →

What is Equitel? 💳

Equitel is Equity Bank's mobile money service serving over 10 million Kenyans. It offers banking and mobile money services directly from your phone - perfect for remittances.

✅ Equitel Benefits

  • • Bank integration - Direct access to Equity Bank
  • • Higher limits - Up to KES 1 million wallet
  • • Wide acceptance - Pay bills, shop, transfer
  • • ATM access - Withdraw at Equity Bank ATMs

📋 Requirements

  • • Recipient's Equitel phone number
  • • Recipient's full name (as registered)
  • • Your US ID and payment method
  • • Transfer service account

Current USD to KES Exchange Rate 💰

Live Rate Comparison

1 USD =~129 KES
Rate varies by provider. Check live rates for exact amounts.

Rate Examples

$100 USD →~KES 12,900
$500 USD →~KES 64,500
$1,000 USD →~KES 129,000
Check Live USD to KES Rates →

Best Providers for Equitel Transfers

🏆

1. Wise (TransferWise)

Best Rates for Equitel

$4.14
+ 0.5% fee

Best for: Large transfers with excellent exchange rates and Equitel support.

  • ✅ Real mid-market rates
  • ✅ Direct to Equitel wallet
  • ✅ Transparent pricing

Delivery Time

1-4 hours

Transfer Limits

Up to $1.6 million

Send with Wise - Best Rates
⚡

2. Remitly

Fastest Delivery

$0
First Transfer

Best for: First-time senders and guaranteed fast delivery to Equitel.

  • ✅ First transfer free
  • ✅ Express delivery option
  • ✅ 99.9% success rate

Delivery Time

Express: 30 mins

Regular Fees

$3.99 (after first transfer)

Send with Remitly - First Transfer Free
🌍

3. WorldRemit

Wide Coverage

$2.99
Transfer Fee

Best for: Reliable service with strong Equitel integration and customer support.

  • ✅ Fixed low fees
  • ✅ Multiple payment options
  • ✅ 24/7 customer support

Delivery Time

Within 1 hour

Transfer Limits

Up to $9,000 per transfer

Send with WorldRemit

Step-by-Step: Sending to Equitel

1

Choose Provider & Create Account

Select your preferred provider (Wise for best rates, Remitly for speed). Sign up with your email and verify your identity with a government-issued ID.

💡 Tip: Use mobile apps for better exchange rates and faster processing
2

Set Up Transfer Details

  • • Amount: Enter USD amount you want to send
  • • Destination: Select Kenya
  • • Delivery method: Choose "Equitel Mobile Wallet" or "Mobile Money"
📊 Rate Check: Compare the live USD to KES rate with our rate comparison tool
3

Add Equitel Recipient Information

  • • Full name: Exactly as registered with Equitel
  • • Phone number: Include Kenya country code (+254)
  • • Relationship: Your relationship to the recipient
⚠️ Important: Name spelling must match Equitel registration exactly
4

Review and Pay

Double-check all details, review the exchange rate and fees, then complete payment using your preferred method.

✅ Payment Options:
  • • US debit/credit cards
  • • Bank transfer (ACH)
  • • Online banking
🕒 Processing Times:
  • • Card payment: Instant
  • • Bank transfer: 1-3 business days
  • • Online banking: Same day
5

Track and Confirm Delivery

Monitor your transfer status through the app or website. Your recipient will receive an SMS notification when money arrives in their Equitel wallet.

📱 Recipient notification: SMS from Equitel with transaction details and updated balance

Equitel vs Other Mobile Money Services

FeatureEquitelM-PesaAirtel Money
Wallet LimitKES 1,000,000KES 300,000KES 500,000
Bank Integration✅ Equity BankLimitedLimited
Transfer Speed1-4 hoursInstant1-2 hours
Market Coverage10M+ users30M+ users8M+ users

Frequently Asked Questions

Is Equitel different from M-Pesa?

Yes, Equitel is Equity Bank's mobile money service, while M-Pesa is Safaricom's service. Equitel offers higher wallet limits (KES 1M vs 300K) and direct bank integration with Equity Bank.

What's today's best USD to KES rate for Equitel?

Current rates are around 128 KES per USD, but vary by provider. Wise typically offers the best rates at mid-market rates plus a small fee. Check live rates here.

How long does it take for money to reach Equitel?

Most transfers arrive within 1-4 hours. Remitly Express can deliver in 30 minutes, while bank transfers may take 1-3 business days depending on your payment method.

Can the recipient withdraw cash from Equitel?

Yes, recipients can withdraw cash at Equity Bank ATMs, Equity Bank branches, or Equitel agents across Kenya. They can also use the money for payments, bill pay, and transfers.

Latest USD to KES Conversion Rates

Here are some latest USD to KES (United States USD to Kenya KES) exchange rates for popular conversion amounts*.

1.00 USD129.50 KES
5.00 USD647.50 KES
10.00 USD1,295.00 KES
25.00 USD3,237.50 KES
50.00 USD6,475.00 KES
100.00 USD12,950.00 KES
150.00 USD19,425.00 KES
200.00 USD25,900.00 KES
250.00 USD32,375.00 KES
300.00 USD38,850.00 KES
400.00 USD51,800.00 KES
500.00 USD64,750.00 KES
600.00 USD77,700.00 KES
700.00 USD90,650.00 KES
800.00 USD103,600.00 KES
1,000.00 USD129,500.00 KES
1,500.00 USD194,250.00 KES
2,000.00 USD259,000.00 KES
2,500.00 USD323,750.00 KES
3,000.00 USD388,500.00 KES
4,000.00 USD518,000.00 KES
5,000.00 USD647,500.00 KES
10,000.00 USD1,295,000.00 KES
15,000.00 USD1,942,500.00 KES
20,000.00 USD2,590,000.00 KES
30,000.00 USD3,885,000.00 KES
40,000.00 USD5,180,000.00 KES
50,000.00 USD6,475,000.00 KES
100,000.00 USD12,950,000.00 KES

*These are mid-market exchange rates. Actual rates from providers will include fees and margins.

Exchange rate: 1 USD = 129.50 KES

Last updated: Feb 26, 2026

Source: ExchangeRate-API.com

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