Equity Ordinary Account

Equity Ordinary Account is your perfect medium for personal deposits, daily business transactions and remittances.

Ideal for: 

  • Individuals (singly or jointly)
  • Groups –Groups and registered entities be separated from the individual,
  • Registered entities

Key Features

  • No minimum operating balance.
  • Earn interest monthly on balances kept above Ksh. 10,000 only savings account should earn interest. We should have the saving accounts separate
  • No monthly charges.
  • Full access to mobile banking and internet banking
  • Customer can choose a payment card that best suits their needs. They Include:  prepaid cards, debit cards and credit cards.
  • Cash and cheque deposits.

Why You Should Open an Ordinary Account

  1. No maintenance fees.
  2. No ledger fees.
  3. Customers can access their account from any of the countries Equity Bank Operates in.
  4. 24hour support through 0763063000 and/or info@equitybank.co.ke
  5. Instant Mastercard or Visa Card issued on application
  6. Online banking and mobile banking opt-in option


  • Over the counter cash withdrawal charge
  • Agency withdrawal charge
  • ATM withdrawal charge
  • Free funds transfer to other Equity account (On Equitel)
  • Free standing order set-up and transactions
  • Third-party charges apply e.g. Swift, Pesalink
  • Free periodic and email statements.  Additional printed are chargeable
  • *Payment card Ksh. 600, exclusive of taxes
  • What You Require to Sign Up

    1. Individuals (singly or jointly) -Original Identification document & KRA Pin
    2. Registered Groups - Registration Certificate, Constitution, minutes of resolution to open account certified by the District Social Development officer (DSDO).
    3. An introduction letter from the DSDO
    4. Registered Business- see account opening requirements for different entities.

    Sign up Process

    1. Download the application form
    2. Present the filled out form and necessary documents to the nearest Equity branch.
    3. The bank will then process your application and you can start banking with us.
    4. For any further clarification, fill the form below and we will get back to you.

    Transaction Process

    • Cash transaction on account happens on a real-time basis.

    Complaints Handling Process

    • Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link TALK TO US. We will record your feedback and issue you with a reference number.
    • We will acknowledge your feedback within 48hours.
    • If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
    • We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
    • Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.

    Potential Risks

    • To safeguard funds in your account, do not share you PINs with anyone. 
    • When making payments using your card, be sure the card stays in your sight.  If you lose your card, communicate to the bank to block it.
    • If you suspect any of your PINs is known by others, please change it immediately.

    Rights and Obligations

    • T & Cs of products are available on website and as part of account opening form.
    • Data privacy policy included in customer onboarding and account opening forms

We would like to call you back regarding this product.

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Equity Bank is Regulated by Central Bank of Kenya