M-PESA · Wealth
Ziidi Money Market Fund
Grow your money daily with Ziidi MMF. Invest from KSh 100 on M-PESA, earn competitive daily interest, and withdraw instantly back to your wallet.
Funds can only be invested or withdrawn via M-PESA — invested funds are instantly accessible.
Why invest in Ziidi?
Six reasons your money works harder here.
Easy sign-up
Sign up on your mobile phone with no paperwork. Works on any handset — smartphone or feature phone.
Secure
Your investment is protected with your M-PESA PIN. Required at sign-up and on every transaction.
Competitive interest
Move funds from M-PESA to Ziidi for free and earn daily-accruing interest.
Easy access
Start from as little as KSh 100. No maximum transactional limits — M-PESA daily limits apply.
Zero transaction costs
Ziidi is zero-rated. No fees on deposits or withdrawals. No maintenance fees.
Easy tracking
See your daily earnings and investment performance on the Ziidi mini-app or *334#.
How to access Ziidi
Two ways in — works on any phone.
Via M-PESA App
- Download the M-PESA App from your app store.
- Log in.
- Go to Financial Services.
- Tap the Ziidi icon to begin your investment journey.
Via *334#
- Dial *334# on your phone.
- Select Financial Services.
- Select Ziidi to begin.
- Works on smartphones and feature phones.
Limits, fees & tax
Transparent numbers — no surprises.
Minimum invest
KSh 100
Minimum withdraw
KSh 10
Daily M-PESA limit
KSh 500,000
Per-transaction limit
KSh 250,000
Fund management fee
2% p.a.
Deducted from gross — the rate you see is your net return.
Withholding tax
15%
Like all interest-earning investments in Kenya.
Transaction fees
KSh 0
Move money between M-PESA and Ziidi for free, anytime.
Lock funds for discipline
Set aside money and avoid impulsive spending. Lock for as long as you like — there's no fixed period and no limit on how much you can lock.
- Lock or unlock via the Ziidi mini-app on M-PESA App, or *334#.
- After unlocking, funds are available 72 hours later.
- You unlock the entire locked amount — partial unlocks aren't supported.
- Locked funds earn the same interest as the rest of your Ziidi balance.
- No fees for locking or unlocking.
Important risk disclosure
Ziidi is a money market fund, not a bank deposit. Your funds are invested in government securities such as T-bills and interest-earning accounts — the indicated rate changes daily. Returns are not guaranteed. Ziidi is approved and regulated by the Capital Markets Authority (CMA). Read the fund prospectus before investing.
Frequently asked questions
Need help with Ziidi MMF? Ask Zuri.
Chat or speak to Zuri for step-by-step help, balances, reversals and bundle purchases — popote ulipo.