Can You Transfer Money from eSewa to Khalti? How to Do It in 2026 (Both Ways)

Quick answer: no, you can't transfer money directly from eSewa to Khalti, or from Khalti to eSewa, as of October 2026. The two wallets still don't connect. The working route takes two steps: send the money from one wallet to your own bank account, then load the other wallet from that bank account. eSewa charges Rs 10 to send money to a bank, Khalti gives you 3 free bank transfers a month, and loading either wallet from mobile banking is usually free. It takes a few minutes.

छिटो उत्तर (नेपालीमा): अहिले (कात्तिक २०८३) eSewa बाट Khalti मा, वा Khalti बाट eSewa मा सिधै पैसा पठाउन मिल्दैन। पहिला एउटा wallet बाट आफ्नै bank account मा Bank Transfer गर्नुहोस्, अनि त्यही bank बाट अर्को wallet मा Load Fund गर्नुहोस्। eSewa ले bank transfer मा Rs 10 लिन्छ, Khalti मा महिनाको ३ पटक bank transfer निःशुल्क छ। ध्यान दिनुहोस्: Khalti app ले eSewa को QR scan गर्दा पैसा सोही नम्बरको Khalti wallet मा जान सक्छ।

I'm Aryan Pariyar, a web developer in Nepal. I connect eSewa and Khalti to client websites, and this is the question people ask me most about them. Every fee and limit below links to eSewa's or Khalti's own page, checked on 27 October 2026.

Can you transfer money directly from eSewa to Khalti?

Not yet. Nepal Rastra Bank told payment providers to make their systems work together in a circular issued on 4 February 2022, and in 2025 eSewa and Khalti prepared to connect through Fonepay's payment switch. Officials said the technical work was mostly done, but the feature still hasn't launched (TechPana, Digital Solution Nepal). An eSewa official put the real obstacle plainly: it isn't technology, it's whether the two businesses agree to work together.

So any website or app promising an instant eSewa to Khalti transfer is either doing the bank route for you, or isn't safe to trust with your money.

How to transfer money from eSewa to Khalti, step by step

1. Send the money from eSewa to your bank. In the eSewa app, tap Bank Transfer, choose your own saved bank account, enter the amount and confirm. The charge is Rs 10 (eSewa tariffs). Sending to your own linked account allows up to Rs 1,00,000 per transaction; other accounts are capped at Rs 50,000.
2. Wait for the money to reach the bank. It usually arrives within a few minutes. Check your bank app before the next step.
3. Load Khalti from the same bank. In the Khalti app, open Load Fund, choose Mobile Banking, e-Banking or ConnectIPS, pick your bank and approve the payment. Khalti says loading from mobile or e-banking has no charge (Khalti). Many bank apps can also load a wallet directly: look for an option like Wallet Load and choose Khalti.

Total cost: about Rs 10. Both wallets must be KYC verified, and your bank account should be in your own name.

How to transfer money from Khalti to eSewa

1. Send the money from Khalti to your bank. In the Khalti app, tap Bank Transfer and choose your linked account. The first 3 transfers each month are free, then Rs 10 each (Khalti charges).
2. Load eSewa from the bank. In the eSewa app, choose Load Money and pick mobile banking, internet banking or ConnectIPS, or load eSewa from your bank's own app. Your bank or eSewa shows any charge before you confirm.

eSewa to Khalti transfer charges

So eSewa to Khalti costs about Rs 10, and Khalti to eSewa is usually free for your first three transfers of the month.

Transfer limits for verified users

Limits come from Nepal Rastra Bank's rules, but each wallet publishes its own table, and right now they cite different versions of the directive. These are the figures each wallet shows on its own site:

Sources: eSewa limits, Khalti limits. Unverified accounts can barely move money: eSewa doesn't allow unverified users to send or withdraw at all, so finish your KYC first. The app always shows your current limit before you confirm.

The QR code mistake that sends money to the wrong wallet

If you scan an eSewa QR code with the Khalti app, Khalti can open a send screen to a Khalti wallet registered on the same phone number, without a clear warning. If that person has a Khalti account, your money goes there, not to their eSewa. Scanning a Khalti QR with eSewa usually just shows "Invalid QR" (Artha Kendra).

Before you confirm any payment, check the name and the wallet on the confirmation screen. If you sent money to the wrong wallet, contact that wallet's support straight away with the transaction ID.

Do you need to move the money at all?

Often you don't. Many shops show a Fonepay or NepalQR code, which bank apps and several wallets can pay directly, whichever one you have money in. If someone asks you to pay into a wallet you don't use, ask whether they also accept the wallet you have, or bank transfer. It's quicker than moving money twice.

eSewa, Khalti and your National ID (October 2026)

Nepal Rastra Bank required wallets to record their users' National ID numbers by 17 October 2026. That rule applies to the wallet companies, and as of 20 October no wallet had announced a freeze or a new limit for users who haven't added one (Kharchapatra). It's still worth adding yours: in eSewa, open More, then NID Verification. Ignore any call, SMS or link claiming your wallet will be blocked. Only update details inside the app you opened yourself.

Running a business? Accept both

If customers keep asking whether they can pay with eSewa or Khalti, the answer is to accept both, so nobody has to move money first. My guide to eSewa and Khalti integration on your website covers merchant accounts, test credentials and the security check that stops fake payments. An online store with both gateways starts from NPR 40,000, and you can see the price for your shop in the cost calculator.

Frequently asked questions

Can I transfer money from eSewa to Khalti?

Not directly, as of October 2026. eSewa and Khalti still don't connect. Send the money from eSewa to your own bank account with Bank Transfer (Rs 10), then load Khalti from that bank with Load Fund, which is free from mobile banking. It usually takes a few minutes.

Can I transfer money from Khalti to eSewa?

Not directly. Use Bank Transfer in Khalti to send the money to your own linked bank account (the first 3 transfers a month are free, then Rs 10), then use Load Money in eSewa to load it from the same bank.

How do I transfer money from eSewa to Khalti?

In eSewa, tap Bank Transfer and send the money to your own bank account. Once it arrives, open Khalti, tap Load Fund, choose Mobile Banking, e-Banking or ConnectIPS, pick your bank and approve. You can also load Khalti from your bank's own app.

What is the eSewa to Khalti transfer charge?

About Rs 10. eSewa charges Rs 10 to send money to a bank account, and Khalti says loading from mobile banking or e-banking is free. Avoid loading with a card, which adds a percentage fee.

What is the Khalti to eSewa transfer charge?

Usually nothing for your first three transfers a month. Khalti gives 3 free bank transfers a month to a linked account, then charges Rs 10 each. Your bank or eSewa shows any charge for the load before you confirm.

Can I pay a Khalti QR with eSewa or an eSewa QR with Khalti?

Not reliably. eSewa usually shows Invalid QR for a Khalti code. Khalti can open a send screen to a Khalti wallet on the same phone number when you scan an eSewa QR, so the money can go to the wrong wallet. Check the name and wallet before you confirm.

Can I load Khalti from eSewa?

Not directly. Load Khalti from a bank account instead: move the money from eSewa to your bank first, then use Load Fund in Khalti with mobile banking, e-banking or ConnectIPS.

When will direct eSewa to Khalti transfers start?

There's no launch date. Nepal Rastra Bank asked for interoperability in 2022, and the wallets prepared to connect through Fonepay in 2025, but as of October 2026 the feature hasn't gone live.

Will my eSewa or Khalti be blocked without a National ID number?

As of 20 October 2026, no wallet had announced a freeze for users who haven't added a National ID number. The deadline of 17 October 2026 applied to the wallet companies. Add yours in the app anyway, and ignore calls or links claiming your wallet will be blocked.