Mission
Mwangaza Financial is dedicated to democratizing access to financial services. We believe that everyone deserves secure, reliable, and easy-to-use banking tools. Our mission is to empower individuals and small businesses by providing instant access to credit, seamless payment solutions, and high-yield savings opportunities.
Vision
To be the most trusted financial partner for millions of people, driving economic growth and financial freedom through technology and innovation.
Values
- Integrity: We operate with transparency and honesty in everything we do.
- Innovation: We constantly seek new ways to improve financial access and user experience.
- Customer Focus: Our customers' financial well-being is at the heart of our decisions.
- Security: We prioritize the safety and privacy of our users' data and funds.
Products
- Current Account: A transactional account for everyday spending. Send money via bank transfer, M-Pesa, or Lipa na M-Pesa (till & paybill). Includes a virtual VISA card for online payments.
- Savings Account: A dedicated high-interest savings account separate from your current account. Deposit and withdraw anytime and watch your money grow.
- 30-Day Loan: Short-term credit disbursed instantly to your current account. Repay within 30 days.
- Buy Now Pay Later (BNPL): Shop now and spread the cost over time. Credit is applied instantly within your approved limit.
- Term Loan: Longer-term financing for planned expenses, repaid over an agreed schedule.
- KES Money Market Fund: Invest in a Kenyan Shilling money market fund powered by Jubilee Asset Management and earn daily interest.
- USD Money Market Fund: Invest in a US Dollar money market fund powered by Jubilee Asset Management, ideal for protecting savings against exchange rate fluctuation.
FAQs
How do I open an account?
Download the app, tap Get Started, and complete the quick sign-up with your name, email, and phone number. Your accounts are created instantly.
How do I send money?
From the Home tab choose Send Money. You can transfer to any Kenyan bank, send to an M-Pesa number, or pay a till or paybill via Lipa na M-Pesa.
How do I apply for a loan?
Go to the Borrow tab, choose your loan type, enter the amount within your available limit, and confirm with your 4-digit PIN. Funds arrive in your current account instantly.
What is the virtual VISA card?
A virtual card you can use for online and card payments worldwide. There is a one-time issuance fee of KES 250. You can set per-transaction and daily spend limits, reset your PIN, or block the card at any time from the app.
What are the interest rates?
Rates on savings, loans, and money market funds are updated regularly and displayed live within the app on each product screen.
How do I invest in the Money Market Funds?
Go to the Invest tab, select the KES or USD fund, and tap Deposit. Your daily earnings and interest are shown on a chart in the app.
Is my money safe?
Yes. The Money Market Funds are managed by Jubilee Asset Management, a regulated Kenyan asset manager. All data is encrypted and your funds are held in regulated accounts.
What do I need to confirm transactions?
Loan applications and sensitive account actions require your personal 4-digit PIN.
Contact Us
Email: support@mwangaza.co.ke
Address: Nairobi, Kenya