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Ziidi Money Market Fund (Ziidi MMF) by Safaricom is an investment platform that is accessible by Safaricom M-PESA customers.

Safaricom M-PESA customers are able to invest in Ziidi MMF from as low as Ksh. 100 from their M-PESA and earn daily interest. The platform was launched formally by Safaricom as part of M-PESA 18 year celebrations.

Ziidi MMF is a unit trust managed by reputable fund managers, including Standard Investment Bank and ALA Capital Limited.

Eligibility and requirements

  • Active M-PESA account: You must be a registered M-PESA customer with an active M-PESA account.
  • Active Safaricom line: You need a Safaricom line that has been operational for at least three months.
  • Minimum investment: You can start investing with as little as Ksh. 100.
  • No maximum limit: There is no maximum investment limit for Ziidi MMF, but the daily M-PESA transaction limit of Ksh. 500,000 and a per-transaction limit of Ksh. 250,000 will apply.
  • Zero fees: Ziidi MMF has no transaction fees for deposits or withdrawals, and there are no maintenance fees.

Additionally, M-PESA Go and Pochi la Biashara customers are now able to invest and save on Ziidi MMF.

1. Using the M-PESA App

  • Download M-PESA App: If you don’t have it already, download the M-Pesa App from your phone’s app store (Google Play Store for Android or Apple App Store for iOS).
  • Log In: Open the M-PESA App and log in using your M-PESA PIN.
  • Navigate to Financial Services: Look for a section like Financial Services on the M-PESA App’s main interface.
  • Tap on Ziidi: Select the ZIIDI icon or option to begin your investment journey.
  • Register: Follow the prompts to register for Ziidi MMF including accepting terms and conditions and entering your M-PESA PIN.
  • Deposit Funds: Once registered, you can immediately transfer funds from your M-PESA wallet to your Ziidi MMF account within the app. Select Invest, enter the desired amount (minimum Ksh. 100), and confirm with your M-PESA PIN.
  • Monitor: You can track your investment performance, daily earnings, and current interest rates directly from the Ziidi mini-app within the M-PESA App.

2. Using USSD

  • Dial the Code: Dial *334# on your Safaricom phone.
  • Select Financial Services: From the menu, choose Financial Services (usually option 5).
  • Select ZIIDI: Choose ZIIDI (usually option 1).
  • Register: Follow the prompts to register for Ziidi MMF, including accepting terms and conditions and entering your M-PESA PIN.
  • Invest Funds: Once registered, select invest from the Ziidi menu, enter the amount you wish to deposit, and confirm with your M-PESA PIN.
    Monitor: You can also track your investment and earnings through the USSD menu.