---
title: "M-Shwari: Savings Account and Microloans"
description: "Save money and get short-term microloans via the M-PESA menu in Kenya. Loans pay to M-PESA, with a 7.5% facility fee per disbursed loan."
canonical_url: "https://liners.com/m-shwari"
markdown_url: "https://liners.com/m-shwari.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ke/screenshot.webp?v=1786400550220"
published_at: "2026-08-12T11:16:44.137Z"
updated_at: "2026-09-25T03:01:15.333Z"
---

# M-Shwari: Savings Account and Microloans

Save money and get short-term microloans via the M-PESA menu in Kenya. Loans pay to M-PESA, with a 7.5% facility fee per disbursed loan.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [M-Shwari](/m-shwari)

## Summary

Save money and access microloans from your mobile wallet

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ke.ncbagroup.com/loan/m-shwari |
| Tagline | Save money and access microloans from your mobile wallet |
| Primary country | Kenya |
| Platforms | Web, Android, iOS, Browser Extension |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): 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](/m-shwari/alternatives)
- [Reviews](/m-shwari/reviews)
- [Transparency](/m-shwari/transparency)

## Access and citation

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