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How to activate your M-shwari account; How to transfer money from MPesa to Mshwari

28 November 2012 6 Comments

M-Shwari allows you to own and operate a savings account on your phone. The savings account is available to all M-PESA users who activate MShwari accountt on their phone.


  • On M-PESA menu select ‘My Account’
  • Select ‘Update Menu’
  • Wait for the menu to update
  • Go back to M-PESA menu
  • Select M-Shwari Read and accept the terms and conditions.
  • You will then receive an SMS confirming your activation.


  • Go to ‘M-PESA’ menu and select ‘M-Shwari.
  • Select ‘Send to Bank.
  • Enter PIN.
  • Confirm the message displayed “send money to bank Kshs 2000″ then press OK.


  • Go to ‘M-PESA’ menu and select ‘M-Shwari
  • Select ‘Withdraw from bank’
  • Enter Amount
  • Enter PIN Confirm these details then press OK
  • Wait for a confirmation SMS message

Sample message: X- HS580 Confirmed. You have transferred Ksh. XXXX from your M-Shwari account on DD/MM/YY at 00:00pm. M-Shwari account Balance is KshXXXX. M-PESA Balance is KshXXXX

Transfer to and from M-Shwari are free of charge.

Please read related article on how to get a loan from M-Shwari and how much it costs.


  • » The Timpata » How to get an M-Shwari loan; How to repay your M-Shwari Loan; Charges for an M-Shwari loan said:

    [...] find related article for how to activate your M-Shwari account. Related content: How to activate your M-shwari account; How to transfer money from MPesa to [...]

  • admin said:

    All your savings on M-Shwari, from as little as one shilling, earns interest as indicated below:

    Balance Bands Interest Paid

    Balance Band 1 KES 1 – KES 10,000 2%

    Balance Band 2 KES 10,001 – KES 20,000 3%

    Balance Band 3 KES 20,001 – KES 50,000 4%

    Balance Band 4 Above KES 50,000 5%

  • christine said:

    i have paid my loan & the bal transfered to my mshwari account. later i took aloan but i cant withdraw, where is the problem? what happened to my savings,are they decresing?

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  • Natasha said:

    How do you know when your menu is updated? One only. receives an sms saying the new menu will be sent shortly.

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