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M-PESA Chama Account

What is the M-PESA Chama Account?


This is a service being offered to groups/chamas to allow them to collect funds conveniently and securely.

How do I apply to get an M-PESA chama account?


Simply walk into any Safaricom shop or Safaricom Care desk countrywide and request for an application form.
You can also send an SMS with the word CHAMA to 21366 or email us on and one of us will get back to you.

How long does it take to set up an M-PESA Chama account?


Upon submission of the application form and signed contract, it will take 48 hours. The customer will then be notified via a telephone call from Safaricom.

What are the requirements to set up an M-PESA Chama account?


The applicant is required to submit the following documents in addition to the application form;

    • a copy of ID of Chama appointed official
    • a copy of PIN certificate of Chama appointed official
    • Copy of registration certificate for the group
    • Mandate from group

Once the money has been collected, how does the group access it?


The money collected is transferred by group representative to the bank account provided in the application form. The group or a group representative will initiate the request for the funds to be transferred to the bank account by logging in to a portal access and making the request or sending an email to

What is the maximum and minimum amount that can be held by an M-PESA chama account?


The M-PESA Chama Account can hold from 0 to Ksh. 100 million.

As a member how do I get to know whether other members have paid?


The group representative can register the rest of the members and provide access for members to log in to the portal to access the chama statement.

Are there charges for depositing money into the M-PESA Chama Account?


The chama will not be charged. However, members contributing will be charged a small fee based on the amount sent.