M-PESA Chama Account

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

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 This email address is being protected from spambots. You need JavaScript enabled to view it. and one of us will get back to you.

AUpon 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.

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

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 This email address is being protected from spambots. You need JavaScript enabled to view it.

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

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.

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

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