---
title: "KCB M-PESA: Mobile Savings and Loans in Kenya"
description: "Save or lock funds in Kenya via M-PESA: Target savings 1–12 months from KES 50, Fixed from KES 500; over 8.5% p.a. Loans due in 30 days."
canonical_url: "https://liners.com/kcb-m-pesa"
markdown_url: "https://liners.com/kcb-m-pesa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ke/screenshot.webp?v=1782412865987"
published_at: "2026-06-27T01:32:21.420Z"
updated_at: "2026-10-01T08:52:34.176Z"
---

# KCB M-PESA: Mobile Savings and Loans in Kenya

Save or lock funds in Kenya via M-PESA: Target savings 1–12 months from KES 50, Fixed from KES 500; over 8.5% p.a. Loans due in 30 days.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [KCB M-PESA](/kcb-m-pesa)

## Summary

Save toward goals and lock funds from your phone

A mobile savings and loan service for Kenya’s M-PESA users, offering Target and Fixed Savings (1 to 12 months) plus short-term loans via the M-PESA menu.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ke.kcbgroup.com/kcb-m-pesa |
| Tagline | Save toward goals and lock funds from your phone |
| Primary country | Kenya |
| Platforms | Web, Android, iOS, Desktop |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

KCB M-PESA is a **mobile-based savings and loan service** for **M-PESA customers in Kenya**, provided by KCB Bank Kenya in partnership with Safaricom, enabling saving and borrowing directly from a phone.

Key capabilities include:
- **Target Savings Account**: Set a savings goal for **1 to 12 months** and make ongoing deposits toward it, starting from **KES 50**.
- **Fixed Savings Account**: Lock funds for **1 to 12 months** for a project, travel plan, or emergencies, starting from **KES 500**; it advertises interest of **over 8.5%\* p.a.** on accumulated savings, and **early redemption forfeits all interest acquired**.
- **Savings interest**: Both savings options promote **over 8.5%\* p.a.** (conditions apply, as indicated by the asterisk).
- **Short-term mobile loans** (service-level): Supports **small, short-term credit** accessed through the M-PESA integration, typically repayable within **up to 30 days**; eligibility can depend on **M-PESA transaction behaviour**.

Available via **M-PESA on mobile** for transactions, with **Web** product pages for information.

Target audience: **individual M-PESA users in Kenya** who want convenient mobile savings (goal-based or locked) and short-term credit.

Notable for its **tight integration with M-PESA** and the **KCB Bank Kenya and Safaricom partnership**, which brings bank-linked savings and credit into everyday mobile money usage in Kenya.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/kcb-m-pesa/alternatives)
- [Reviews](/kcb-m-pesa/reviews)
- [Transparency](/kcb-m-pesa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/kcb-m-pesa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)