A mobile savings and microloan service for M-PESA customers in Kenya, offering an interest-bearing deposit account and short-term loans accessed from the M-PESA menu.
M-Shwari Product Overview
Is M-Shwari Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- M-PESA customers
- Everyday savers
What It Does Well
- Save via M-PESA menu
- Short-term mobile loans
Things to Check
- Loan limits
- Loan fees
About M-Shwari
M-Shwari is a mobile savings and microloan service for M-PESA customers in Kenya, offered by Safaricom in partnership with NCBA Bank, designed for consumers who want to save and borrow directly from their phone.
Key capabilities include:
- Mobile savings via an interest-bearing deposit account, letting users keep funds separate from their main M-PESA balance
- Short-term microloans requested through the M-PESA menu, with quick approval flows described by NCBA
- Loan disbursement to M-PESA and repayment/account management through mobile services
- Loan pricing that includes a 7.5% facility fee on each loan disbursed (per NCBA key facts documentation)
Available via the NCBA Kenya website (Web) for product information, through the M-PESA mobile menu, and alongside NCBA’s digital channels such as NCBA NOW on Android and iOS.
Target audience: B2C, specifically eligible M-PESA users in Kenya looking for phone-based savings and small, short-term credit.
Notable in Kenya’s fintech and mobile money market, the service launched in 2012 as a Safaricom and (then) Commercial Bank of Africa partnership (now NCBA), and NCBA presents it as part of its regulated Kenya banking offerings under the Central Bank of Kenya.
M-Shwari Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreAs of Sep 21, 2026, M-Shwari is rated 2.5 on the App Store from 20 reviews and 4.8 on Google Play from 55.8K reviews with 500K+ installs.
Recent Reviews for M-Shwari
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Latest M-Shwari News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. Learn moreFrequently Asked Questions About M-Shwari
M-Shwari is a mobile savings and microloan service for M-PESA customers in Kenya. It lets eligible users save money in an interest-bearing account and request short-term loans from their phone through the M-PESA menu.
M-Shwari does not have a separate subscription price, but each loan has fees. The product lists a 7.5% loan fee, and Safaricom also notes 1.5% excise duty, with savings interest paid on balances.
M-Shwari operates exclusively in Kenya as a mobile banking service offered by NCBA Group in partnership with Safaricom.
You sign up through the M-PESA menu on your phone, then select Loans and Savings and open M-Shwari. Eligibility is limited to M-PESA customers.
Yes, M-Shwari is available on iOS and Android. You can download Ke on the App Store for iPhone, or get it on Google Play for Android.
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