M-PESA · Credit & Savings
Halal Pesa
Shariah-compliant savings and credit on M-PESA — for those who want to grow money the right way.
Shariah-compliant
Designed with and overseen by an independent Shariah Advisory Board. No riba (interest), no gharar (excessive uncertainty).
Profit-share, not interest
Earnings on savings come from real underlying investments in Shariah-compliant assets, shared with you.
On your M-PESA
No new account, no extra app. Activate via *334# or the M-PESA app — same line, new option.
Bank-grade security
Held with a regulated banking partner under Central Bank of Kenya supervision.
Opt in to Halal Pesa
- Dial *334# on your Safaricom line.
- Choose Loans & Savings → Halal Pesa.
- Read and accept the Shariah-compliant terms.
- Make your first deposit to start earning profit-share.
Halal Savings
- Save from KSh 1, no minimums or opening fees
- Returns generated from Shariah-compliant investments
- Profit credited periodically — no fixed-rate "interest"
- Withdraw to M-PESA any time
Halal Financing
- Short-term financing structured as a Shariah-compliant facility
- Disclosed upfront facility fee (no compounding interest)
- Repayment schedule aligned with your M-PESA cash-in pattern
- Eligibility based on Safaricom and M-PESA usage
Frequently asked questions
ZURI · SAFARICOM AI
Need help with Halal Pesa? Ask Zuri.
Chat or speak to Zuri for step-by-step help, balances, reversals and bundle purchases — popote ulipo.