Khalti is a popular mobile wallet in Nepal, operated by IME Khalti Ltd. and often shown to users as Khalti by IME. It is licensed by Nepal Rastra Bank (NRB) and works in Nepali rupees (NPR). If you are living or working abroad and want to top up a family member's Khalti balance, you can use Coinepay Global Remittance to send a cross-border transfer that pays out to their wallet. This guide explains what you need from your recipient, how the transfer works step by step, and what to do if something goes wrong.
Before you start
To send to a Khalti wallet with Coinepay you first need to register and complete identity verification (KYC). You can manage everything from the Coinepay mobile app for iOS and Android, or from the 24/7 self-service dashboard. All cross-border transfers are subject to identity verification, sanctions screening and local regulations, and Coinepay may ask you to confirm details such as the purpose of the transfer or the source of your funds.
Your recipient also needs an active Khalti account, because the money is credited to their Khalti wallet. Khalti applies its own verification levels and wallet limits in Nepal (see the section below), so it is worth checking that their account is ready to receive before you send.
What details you need from your recipient
Khalti identifies a wallet by the mobile number registered with Khalti — the same value Khalti's own dispute policy calls a "Khalti ID." Collect the following from the person you are paying:
- The mobile number registered to their Khalti account, typed exactly as it appears in their app.
- Their full name exactly as it is registered on Khalti. Payout to a wallet can be rejected if the name does not match the registered account holder.
- The country and currency: Nepal / NPR.
If you are not sure of the registered number, ask your recipient to open the Khalti app and read it to you rather than guessing. Khalti's own transfer feature warns that incorrect recipient details stop a transfer from completing, so accuracy here saves time and avoids a failed payout.
Step by step: send to a Khalti wallet
- Open the Coinepay app or dashboard and start a new Global Remittance transfer.
- Choose Nepal as the destination country and NPR as the payout currency.
- Select the mobile wallet payout method, then choose Khalti from the list of supported wallets.
- Enter the recipient's registered Khalti mobile number and their full name as registered. Add the purpose of the transfer if you are asked for one.
- Enter the amount you want to send. Coinepay shows you the exchange rate and fees clearly before you confirm, along with the amount your recipient should receive in NPR. Review these figures carefully.
- Confirm the transfer. If Coinepay requests supporting documents (for example proof of the source of funds), provide them so the compliance checks can complete.
- Once submitted, use the status tracking in the app or dashboard to follow the transfer through to payout.
How your recipient receives the money
When the payout completes, the funds are credited to the recipient's Khalti wallet balance in NPR. They can see the amount by opening the Khalti app and checking their balance and transaction history. From there they can spend it within Khalti, send it on, or withdraw it according to Khalti's own rules. If an incoming amount is ever not showing, Khalti's own help notes that some transfers require the recipient to accept a fund-transfer request inside the app — a useful thing to mention to your recipient if they say they cannot find the money.
Khalti wallet limits and verification levels
Because the money lands in a Nepali wallet, Khalti's own policies affect how much your recipient can hold and move. In general terms:
- Khalti distinguishes between unverified and KYC-verified accounts. A wallet that has not completed KYC has lower transaction limits, and Khalti requires verification to transact above a set threshold.
- Verified wallets have higher per-transaction, daily and monthly limits, but Khalti also applies an overnight balance cap, meaning a user is expected to withdraw any excess by the end of the day.
- Exact figures are set by Khalti and can change with Nepal Rastra Bank directives, so ask your recipient to check the current limits in the Khalti app or on Khalti's official support pages.
If your recipient's account is unverified or near a limit, encourage them to complete KYC in the Khalti app first so the incoming payout is not held back.
Troubleshooting
Wrong number entered
Double-check the registered number before you confirm; a wallet transfer sent to the wrong number is difficult to recover. Khalti states that a completed transfer to the wrong number is not reversible by Khalti, and its dispute policy excludes mistaken transfers caused by user error. If your Coinepay transfer has not yet been paid out, contact Coinepay support immediately to see whether it can still be stopped.
Name does not match
If the name you entered does not match the name registered on the Khalti account, the payout can be rejected. Confirm the recipient's exact registered name and re-enter it. Do not substitute a different person's name — every counterparty is screened, and the recipient details must be genuine.
Wallet limit reached
If your recipient has hit a Khalti transaction or balance limit, the payout may be delayed or declined. Ask them to check their available limits and, if needed, withdraw or move existing balance before you resend.
Unverified wallet
An account that has not completed KYC may only receive up to Khalti's lower threshold. Ask your recipient to finish Khalti verification in their app, then try again.
Compliance review
Coinepay screens customers and counterparties against sanctions lists and may place a transfer under review or request documents such as the purpose or source of funds. This is routine; respond promptly with accurate information to help the transfer clear. Never split a transfer, use a third party or take any step intended to avoid these checks.
Still stuck?
For transfer-specific issues, use the status tracker and contact Coinepay support or reach the team on Telegram. For problems inside the Khalti wallet itself — such as an unaccepted request or a wallet dispute — your recipient should contact Khalti through its official channels.
A note on sanctions and availability
Coinepay can send to every country and region except those under comprehensive sanctions, and supports bank deposit, mobile wallet and cash pickup payouts. Nepal is served, but some services are not available in every jurisdiction, and virtual-asset-related services are not available to residents of mainland China. Always use your own real identity and real details when you send.
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FAQ
What does my recipient need to receive money on Khalti?
An active Khalti account, their mobile number registered with Khalti, and the full name exactly as registered. For larger amounts they should also complete Khalti's KYC verification.
Which country and currency is Khalti used in?
Khalti is a mobile wallet used in Nepal and pays out in Nepali rupees (NPR). It is operated by IME Khalti Ltd. and shown to users as Khalti by IME.
How will I know the exchange rate and fees?
Coinepay shows the exchange rate, fees and the amount your recipient will receive in NPR on screen before you confirm. Review these figures, then confirm to send.
What if I send to the wrong Khalti number?
Check the number carefully first, because Khalti does not reverse completed transfers sent to the wrong number. If your Coinepay transfer is not yet paid out, contact Coinepay support right away to see if it can be stopped.
Why is my transfer under review?
Every transfer is subject to identity verification, sanctions screening and local regulations. Coinepay may ask for documents such as the purpose or source of funds; provide accurate information promptly to help it clear.
