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How M-Pawa works

M-Pawa allows you to save your money safely in your phone, enabling you to conveniently save towards your goals. In times of need you can take a loan with dignity and repay it as required.

Deposit Product

The M-Pawa Deposit Account is a micro-savings product which allows you to securely store your money for a specific purpose or for an unexpected event in your life. Enjoy the following features when you save with M-Pawa:

  • No minimum balance
  • No charges levied on the account
  • No charges for moving money from M-PESA to M-Pawa account and vice versa
  • Earn up to 5% interest

Loan Product

The M-Pawa Loan Account is a micro-credit product which allows you to borrow money in times of need or in order to grow your business. A one-time fee of 9% is levied for each loan. Borrow with M-Pawa and start to build your credit history today. In order to qualify for a loan all you need is to be an M-PESA subscriber for 6 months, save on M- Pawa and actively use M-Pawa services.