Equity Bank International Money Transfer offers a seamless and reliable solution for individuals and Kenyan expatriates worldwide to send money to Kenya. With services available in over 150 countries, Equity Bank ensures flexibility by supporting multiple currencies like USD, EUR, GBP, and AUD. Whether you’re supporting family, paying bills, or handling business transactions, Equity Bank International Money Transfer makes it easy. However, it’s important to consider transaction fees, SWIFT charges, and exchange rate variations before initiating your transfer.
In this guide, we’ll walk you through the Equity Bank international money transfer, how to send money to Equity Bank using SWIFT or WorldRemit, outline acceptable currencies, payment methods, limits, and fees, and provide actionable tips to optimize your international wire transfer experience in 2025.
Table of contents
- Why Choose Equity Bank International Money Transfer?
- How to Send Money to Equity Bank?
- SWIFT Transfer to Equity Bank
- WorldRemit Transfer to Equity Bank
- Acceptable Currencies for Equity Bank International Money Transfers
- Payment Methods for Equity Bank International Money Transfer
- Equity Bank Transfer Limit
- Equity Bank Transaction Charges
- Equity Bank Currency Exchange Rates
- Tips for a Smooth Equity Bank International Money Transfer
- FAQs on Equity Bank International Money Transfer
Why Choose Equity Bank International Money Transfer?
Equity Bank stands out as a trusted choice for sending money to Kenya due to its extensive network, serving over 9.2 million customers across East Africa, including Kenya, Rwanda, Uganda, Tanzania, South Sudan, and the Democratic Republic of Congo.
Equity Bank international money transfer services cater to the Kenyan diaspora and global users, offering fast, secure options like bank deposits, cash pickups, and mobile money transfers. Whether you’re in the USA, UK, Australia, or beyond, Equity Bank makes cross-border payments accessible and efficient.
How to Send Money to Equity Bank?
People of Kenya working in nearly 150 countries worldwide can send money to their families using the SWIFT transfer network and WorldRemit service portal. To make an Equity Bank international money transfer, Kenyans can use several payment methods: Mobile Money, Cash Pickup, and Bank Deposit.
To make overseas transactions from Banks that allow people to send money internationally to Equity Bank, Kenyan citizens can follow the below-mentioned guidelines and know about other relevant information.
Also Read: How to Transfer Money Using IBAN?
SWIFT Transfer to Equity Bank
For those preferring traditional banking channels, a SWIFT transfer to Equity Bank offers a secure way to send money from virtually anywhere in the world. This method is ideal for larger transactions and provides instant processing once initiated.
Steps to Send Money via SWIFT:
- Contact Your Bank: Confirm that your bank supports international wire transfers to Kenya.
- Provide Equity Bank Details: Share the following with your bank:
- Beneficiary Bank: Equity Bank Kenya Limited
- SWIFT Code: EQBLKENA
- Beneficiary Name: Recipient’s full name as per their Equity Bank account
- Account Number: Recipient’s Equity Bank account number
- Specify Currency and Amount: Choose from supported currencies (e.g., USD, GBP, EUR).
- Confirm Fees: Your bank and Equity Bank will charge fees (more details below).
SWIFT Codes for Intermediary Banks (2025 Update):
| City, Country | Currency | Intermediary SWIFT Code | Beneficiary SWIFT Code |
|---|---|---|---|
| New York, USA | USD | CITIUS33 | EQBLKENA |
| London, UK | GBP | CITIGB2L | EQBLKENA |
| Frankfurt, Germany | EUR | CITIDEFF (IBAN: DE48 5021 0900 4116 9310 07) | EQBLKENA |
| Johannesburg, South Africa | ZAR | SBZAZAJJ | EQBLKENA |
| Tokyo, Japan | JPY | CITIJPJT | EQBLKENA |
| Toronto, Canada | CAD | CITICATT | EQBLKENA |
| Sydney, Australia | AUD | CITIAU2X | EQBLKENA |
| Zurich, Switzerland | CHF | CITICHZX | EQBLKENA |
Note: Always verify the SWIFT code with Equity Bank or your sending bank, as intermediary codes may vary based on routing.
WorldRemit Transfer to Equity Bank
Equity Bank international money transfer from other countries is permitted through WorldRemit. For a faster, digital-first option, WorldRemit Kenya integrates seamlessly with Equity Bank, allowing transfers to bank accounts, cash pickup locations, or mobile money wallets like Equitel.
To send money to Kenya via this transfer service, an individual must follow the instructions given below:
- Visit WorldRemit: Go to the WorldRemit website or download the app.
- Sign Up or Log In: Create an account or access an existing one.
- Select Recipient: Add a new recipient’s details (name, Equity Bank account number, or phone number) or choose an existing contact.
- Choose Delivery Method: Opt for “Bank Transfer,” “Cash Pickup,” or “Mobile Money.”
- Pick Currency and Amount: Enter the amount in your local currency (e.g., USD, EUR) and confirm the payout in KES or USD.
- Pay and Send: Use a debit card, credit card, or bank account to complete the transaction.
- Track Your Transfer: Receive a transaction ID to monitor progress.
Also Read: SBI International Money Transfer
Acceptable Currencies for Equity Bank International Money Transfers
People sending money to Equity Bank can send money from overseas in any of the following internationally-accepted currencies:
- Kenya Shilling (Kshs)
- United States Dollar (USD)
- Pound Sterling (GBP)
- Swedish Krona (SEK)
- Swiss Franc (CHF)
- Japanese Yen (JPY)
- Canadian Dollar (CAD)
- Australian Dollar (AUD)
- Euro (EUR)
- South African Rand (ZAR)
Funds sent in foreign currencies are converted to KES based on prevailing exchange rates unless the recipient’s account accepts USD.
Payment Methods for Equity Bank International Money Transfer
Equity Bank accepts money for international transactions through the following payment methods/options:
- Debit Cards
- Credit Cards
- Premium Cards (e.g., Visa Platinum, Mastercard Gold)
- Prepaid Cards
- Bank Account Transfers (via SWIFT or WorldRemit)
Equity Bank Transfer Limit
The maximum transfer limit for an Equity Bank International Money Transfer remains USD 19,000 (approximately KES 2,538,400 or INR 1,556,000, depending on exchange rates) per transaction. Higher amounts may require special approval—contact Equity Bank’s customer service at +254 763 063 000 for assistance.
Equity Bank Transaction Charges
Understanding Equity Bank international money transfer charges is crucial for cost-effective transfers. Lets check out them:
- Exchange Rate Markup: Applied to foreign currency conversions, fluctuating with market rates.
- Equity Bank Fee: KES 1,000 (approx. INR 625) per SWIFT transaction.
- SWIFT Charges: 3%–5% of the transfer amount, depending on the intermediary bank and currency.
- WorldRemit Fees: Vary by country and amount (e.g., $3.99–$9.99 from the USA to Kenya). Check WorldRemit’s fee calculator for real-time estimates.
Equity Bank Currency Exchange Rates
For Equity Bank International Money Transfers, exchange rates depend on real-time forex market fluctuations. Equity Bank applies a small markup to the mid-market rate, so compare rates with services like XE.com or Wise before sending. WorldRemit displays the exact rate upfront, ensuring transparency.
Also Read: Latest TCS on Foreign Remittance for Education Section
Tips for a Smooth Equity Bank International Money Transfer
When sending money through Equity Bank, ensuring a smooth and hassle-free experience requires some preparation. Here’s how to make your Equity Bank International Money Transfer as seamless as possible.
- Verify Details: Double-check recipient account numbers and SWIFT codes to avoid delays.
- Compare Costs: SWIFT may suit larger transfers, while WorldRemit is cheaper for smaller amounts.
- Time It Right: Initiate transfers before Equity Bank’s daily cut-off (typically 2 PM EAT) for same-day processing.
- Track Your Money: Use WorldRemit’s tracking feature or contact Equity Bank for SWIFT updates.
FAQs on Equity Bank International Money Transfer
An Equity Bank International Money Transfer allows individuals worldwide to send money to Equity Bank accounts in Kenya from over 150 countries. It supports methods like SWIFT and WorldRemit, catering to the Kenyan diaspora and global users for secure remittances.
You can send money using a SWIFT transfer through your bank or via the WorldRemit platform. Both options support multiple currencies and delivery methods like bank deposits, cash pickups, or mobile money transfers to Equity Bank.
The SWIFT code for Equity Bank Kenya Limited is EQBLKENA. You’ll need this code, along with the recipient’s account details, to initiate an international wire transfer from your bank.
Equity Bank accepts currencies like USD, EUR, GBP, AUD, CAD, CHF, JPY, ZAR, SEK, and KES. Funds are typically converted to Kenya Shillings (KES) unless the recipient’s account holds USD.
Costs include a KES 1,000 flat fee for SWIFT transfers, 3%–5% SWIFT charges, and exchange rate markups. WorldRemit fees vary (e.g., $3.99–$9.99 from the USA), depending on the amount and country.
SWIFT transfers typically take 1–3 business days, depending on the sending bank, while WorldRemit transfers can be instant for cash pickups or mobile money, or up to 1 day for bank deposits.
Yes, WorldRemit integrates with Equity Bank, offering options like bank transfers, cash pickups at branches, or mobile money to Equitel accounts. It’s a fast, digital alternative to SWIFT.
Equity Bank charges a transparent KES 1,000 fee plus SWIFT costs (3%–5%). However, intermediary banks or currency exchange markups may add extra costs—check with your provider for full details.
The maximum limit for an Equity Bank International Money Transfer is $19,000 (around KES 2,538,400) per transaction as of April 2025. Contact Equity Bank for approval on larger amounts.
Hope this blog was helpful for anyone who is interested in sending money to Equity Bank of Kenya. To learn more about the best way to send money internationally stay connected to the Fly Finance forex team and Leverage Edu.
