Topping up and withdrawing

The power of an MMF comes from adding money regularly. Many people top up on payday through M-Pesa.

• Set a fixed amount and a fixed day, and treat it like a bill.
• Check your statement monthly: you'll see interest added.
• When you withdraw, money usually reaches your bank or M-Pesa within a few working days, so plan ahead for big payments.
• Avoid withdrawing for wants. Give yourself a 48-hour rule before any non-emergency withdrawal.