How to open an M-shwari account.

    This is a paperless banking service offered through M-PESA that will;

  • Enable you open and operate an M-Shwari bank account through your mobile phone, through M-PESA, without having to visit any bank to fill out bank account opening forms.
  • It provides you the ability to move money in and out of your M-Shwari savings account to your M-PESA account at no charge.
  • It gives you an opportunity to save as little as Ksh.1 and earn interest on your saving balance. This cash is moved into the savings account using your handset via the M-PESA Menu.
  • Enable you access micro credit product (loan) of a minimum of Ksh.100 anytime and receive your loan instantly on your M-PESA account.


    To get an M-Shwari account, you need to be:

  • A registered Safaricom Subscriber.
  • A registered Safaricom M-PESA customer.
  • Have an active Safaricom M-PESA account/line.
  • You need to hold any of the following identification documents; Kenya National Identification Document (ID); Kenyan Passport Document ; Alien ID (resident Permit) registered by the Government of Kenya.

To activate your new line:

  • Go to the Safaricom menu
  • Select  “ M-PESA”
  • Select “Activate or Wezesha”
  • The new M-PESA menu with M- Shwari menu will be sent to your line. Select the M-Shwari link.

A message will appear requesting you to read and accepted the Terms & Conditions ( English: Visit and Swahili: Tembelea

  • After accepting the terms; an SMS will be sent informing you that you are now activated on the M-Shwari service.

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