Most funds let you open an account online or through an app in a few minutes. You'll usually need:
- your national ID or passport
- your KRA PIN
- a phone number and email address
- your bank or M-Pesa details for withdrawals
- a next of kin
You then deposit using the fund's own Paybill or bank account. Never send money to a personal number, even if someone says they work for the fund.
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