How to Open a Ziidi MMF Account on M-Pesa

Updated 17 October 2026

Opening Ziidi takes a minute and needs no paperwork beyond the details already on your M-Pesa line.

Who can join

Any registered M-Pesa customer with an active account who meets Safaricom’s identity checks. Ziidi is for individuals for now. Safaricom says chama and business options may come later.

Using the M-Pesa app

1. Open the M-Pesa app and log in.
2. Go to Financial Services.
3. Tap Ziidi.
4. Choose to opt in and accept the terms.

Using USSD

1. Dial *334#.
2. Find Ziidi in the menu and opt in.
3. Accept the terms with your PIN.

Once you are in, you can invest from KSh 10.

Next: how to invest money in Ziidi. For costs and returns, see Ziidi charges and interest.