Mwezi Personal · Consumer App
Pay. Save. Earn.
All from your
phone.
Scan to pay at any Mwezi merchant, send money to friends in a chat, save in smart jars, earn points on every purchase, and unlock personal credit — all in one app.
- Scan to pay
- In-chat transfers
- Earn points
- Savings jars
- Personal credit
Mwezi Balance
KES 14,320
Recent
Java House Karen
2m ago
-KES 850
+17 pts
Naivas Supermarket
1h ago
-KES 3,200
+64 pts
Wanjiku sent you
3h ago
+KES 500
+10 pts
20% off at Artcaffe — expires today
0s
Tap-to-pay speed
6
Partner banks
2×
Points on weekends
0%
Transfer fees
Everything in one app
Your money, your way.
From a quick scan at your favourite duka to a savings goal for next year, Mwezi Personal keeps your financial life in one place.
Scan to pay
Point your phone at any Mwezi QR code to pay a business or settle a bill in under 3 seconds — no cash, no card.
Send & receive
Send money to any contact on Mwezi instantly. Split bills, send rent, pay a friend back — all inside the app.
In-chat payments
Payments live inside your conversations. Send KES right from a chat without switching apps or entering account numbers.
Mwezi contacts
Your Mwezi contact list shows who's on the network. Find anyone by phone number and pay them in one tap.
Earn points
Every transaction earns Mwezi Points. Redeem them for discounts, cashback, or exclusive deals at partner businesses.
Discover nearby
See businesses close to you that accept MweziPay on a live map. Browse menus, ratings, and deals before you walk in.
Link your bank
Connect Equity, KCB, NCBA, Co-op and more. Move money bi-directionally between your Mwezi wallet and bank account.
Savings jars
Create named jars for specific goals — school fees, a holiday, a new laptop. Set a target and watch your savings grow.
Bank connections
Link your bank.
Move money freely.
Connect Equity, KCB, NCBA, Co-operative Bank and others directly to Mwezi. Deposit from your bank account into your wallet, or withdraw from Mwezi back to your bank — instantly, for free.
- Bi-directional transfers — bank to Mwezi, Mwezi to bank
- Real-time balance sync across all linked accounts
- One-tap top-up from any connected bank
- Bank-grade 256-bit encryption on every connection
Connected accounts
Wambua Kiprotich
Equity Bank
••• 4821
KES 42,000
KCB Bank
••• 9034
KES 18,500
NCBA Bank
••• 7712
KES 91,200
Savings jars
Save with a
purpose.
Create named jars for anything you're saving towards. Set a target amount, auto-deposit on payday, and watch the progress bar fill up. Your savings stay in your Mwezi wallet — earning interest along the way.
- Create unlimited jars for any goal
- Auto-save on a schedule (daily, weekly, monthly)
- Interest earned on jar balances
- Lock a jar until the goal date to avoid dipping in
Rewards & coupons
Every shilling earns
you something back.
Earn Mwezi Points on every transaction, then redeem them at any business on the network. Businesses also send you exclusive coupons and limited-time offers through the app.
Earn on every tap
20 points per KES 100 spent at any Mwezi merchant. Double points on weekends and partner promotions.
Business coupons
Merchants send targeted coupons directly to your app — discounts, free items, BOGO deals. Never miss a local offer.
Redeem anywhere
Redeem points for cashback to your wallet, or spend them like cash at any business that accepts MweziPay.
Personal credit
Credit built on how
you actually use money.
The more you use Mwezi — for payments, savings, transfers — the higher your credit limit grows. Borrow when you need it, repay at your pace.
KES 1k–10k
Starter
First-time users. Build your score with small transactions.
KES 10k–50k
Active
3+ months of regular payments and wallet activity.
KES 50k–200k
Trusted
Strong history, linked bank, and consistent inflows.
Up to KES 500k
Premium
Top users. Lowest rates, instant approval, flexible terms.
MweziPay Nearby
Find businesses that
accept MweziPay.
A live map shows every Mwezi-registered business near you — restaurants, shops, pharmacies, salons, and more. Filter by category, check reviews, and see exclusive in-app deals before you arrive.
- Browse by category — food, retail, services, health
- See live promotions and MweziPay-only discounts
- View menus and product listings from the map
- Scan-to-pay as soon as you arrive
Java House Westlands
Café · 120m
Naivas Supermarket
Grocery · 340m
Security
Built to keep
your money safe.
256-bit encryption
All transactions and bank connections are protected with bank-grade AES-256 encryption, end to end.
Instant fraud alerts
Real-time transaction monitoring flags unusual activity and notifies you instantly — freeze your card in one tap.
Biometric lock
Fingerprint or Face ID required for every payment. No payment goes out without your say-so.
Coming soon
Be the first to use
Mwezi Personal.
We're building the app now. Join the waitlist and we'll notify you the moment it launches — plus early access perks.
- No monthly fees
- Free transfers
- Early access perks