A Kenyan MVNO and mobile money service for Equity Bank customers to make calls, use 4G/5G data, send money, pay bills, access loans, and buy KQ tickets.
Equitel Product Overview
Is Equitel Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Equity Bank customers
- Mobile money users
What It Does Well
- Calls and texts
- 4G and 5G data
Things to Check
- eSIM device support
- Equity account requirement
About Equitel

Equitel is a Kenyan mobile virtual network operator (MVNO) and mobile money service for individuals and small businesses that want mobile voice and data bundled with banking services linked to an Equity Bank account.
Key capabilities include:
- Mobile network services: voice calls, SMS, internet browsing, and roaming, plus 4G and 5G connectivity across many locations in Kenya.
- Mobile banking and payments: send and receive money, withdraw cash, save, pay bills, and pay for goods and services directly from a phone.
- Digital credit and protection: access Eazzy Loans and Riziki Cover through the “My Money” services.
- Extras and controls: buy Kenya Airways (KQ) tickets, use Multiple Approval Service for transactions that need more than one approver, and manage account updates and payments through the Self Care web portal.
Available as a SIM-based mobile service in Kenya and via the Equitel website plus the Self Care portal on web browsers.
Target users include Equity Bank account holders in Kenya, especially consumers and small business operators who want integrated mobile connectivity and day-to-day payments.
Notable in the Kenyan market as a converged telco and financial services offer operated by Finserve Africa Limited (a subsidiary of Equity Group Holdings) and launched in 2015, with published support for 4G and 5G services and distribution through Equity Bank branches and agents.
Equitel Facts
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Frequently Asked Questions About Equitel
Equitel is a Kenyan mobile virtual network operator and mobile money service that combines a SIM (or eSIM) for calls, SMS, 4G/5G data, and roaming with banking and payments linked to Equity services. You use your Equitel line to make voice calls and browse the internet, and from the same line you can send and receive money, pay bills, access loans, buy airtime, purchase Kenya Airways tickets, and perform other mobile banking transactions directly on your phone or via the Self Care web portal.
Equitel uses a tariff and bundle model, with specific charges for services such as cash withdrawals and money transfers that vary by transaction type and amount. You can view detailed costs and rate cards, including withdrawal and roaming charges, from the Equitel rate card and tariff information pages and tools provided on the Equitel website.
Equitel operates in Kenya. Its mobile network, mobile money, and banking-linked services are provided across Kenya using Airtel Kenya’s network and Equity Bank’s national branch and agent footprint.
You can sign up for Equitel by visiting any Equity Bank branch or agent in Kenya with a valid national ID or passport and requesting an Equitel SIM (or eSIM on supported phones). Once your line is activated, you can start using mobile services and set up or link your banking and mobile money features on the phone and through the Self Care portal.
Equitel does not have its own standalone mobile app. You access Equitel services primarily through the SIM (or eSIM) on your phone, via USSD and on-screen menus, and through the Equitel web Self Care portal, while Equity Mobile apps are separate and branded under Equity rather than Equitel.
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