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M-Shwari

M-Shwari is a savings and loan service that enables M-PESA customers to;

  • Save as little as Kshs. 1, and access credit from Kshs. 1,000.
  • Earn interest of up to 6.3% p.a. on your savings balance.
  • Save for a fixed period of time
  • Access loans instantly, credited to your M-PESA account from a minimum of Kshs. 1,000 and up to Kshs. 1million account charged at 9% Being Loan Fees of 7.5% and 1.5% Excise Duty. Excise duty is deducted from the loan amount to be sent to M-PESA

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KCB M-PESA Account

KCB M-PESA is a savings and loan service that enables M-PESA customers to;

  • Save as little as Kshs. 1, and access credit from Kshs. 1000.
  • Earn interest of up to 6.3% p.a. on your saving balance.
  • Save for a fixed period of time
  • Access loans instantly, credited to your M-PESA account from a minimum Kes 1000 and up to Kes 1million charged a facility fee of 8.64% being Loan fees of 7.35% and 1.29% Excise duty

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Fuliza

Fuliza enables you to complete your M-PESA transactions when you have insufficient funds in your M-PESA account. You may access funds multiple times as long as you are within your Fuliza limit.

Dial *234# to start using Fuliza

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The M-Shwari 52 Week Challenge

This is a saving program that aims at cultivating a saving culture among Kenyans through the easy to use M-Shwari service. 

The aim is to reach the achievable amount of KSHs.68,900 by spreading it throughout the year. This makes it easier for you as the saving amount increases gradually.

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