Updated 16 October 2026
Knowing your M-Shwari savings, loan balance and recent transactions takes a few taps on the M-Pesa menu.
Check your balance
- Open M-Pesa on your SIM toolkit, or dial *334#.
- Go to Loans and Savings, M-Shwari.
- Choose Check Balance and enter your PIN.
The SMS shows your savings balance and, if you have one, the loan you owe.
Get a mini statement
Under M-Shwari, choose the mini statement option and enter your PIN. You will get a short list of recent transactions by SMS.
Lock Savings
For Lock Savings, go to M-Shwari, Lock Savings. A balance inquiry or mini statement on Lock Savings costs KSh 1 each.
Why it matters
When you take an M-Shwari loan, savings equal to the loan plus fee are frozen until you repay. Checking your balance shows how much you can actually use.
See the full M-Shwari guide and M-Shwari charges.
