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Ziidi Money Market Fund

Safaricom in partnership with fund managers

Money Market FundsKESReviewed Oct 2026

A KES money market fund accessed through M-PESA, with a low stated entry amount and deposits/withdrawals through the M-PESA wallet.

Minimum to startKES 100
Top up fromKES 100
Access to moneySafaricom states deposits and withdrawals to the M-PESA wallet are fr…
RiskMoney market fund
CMA-approved fund. Ziidi Money Market Fund is on the Capital Markets Authority's list of approved funds, part of Ziidi Collective Investment Scheme. Check details
This week's rate · 6 Nov7.08% ▼ 0.026.02% after tax · ranked #34 of 37 · see history →

Overview

Safaricom describes Ziidi as a CMA-regulated unit trust money market fund accessible through M-PESA, with interest accruing daily. Returns are variable and are not guaranteed.

How it works

Customers opt in through the M-PESA app or the published USSD route. The fund manager invests the pooled money under the fund mandate. Check current terms before investing.

Fees and charges

Safaricom states deposits and withdrawals to the M-PESA wallet are free. Confirm current fees, taxes and transaction limits in the latest terms before investing.

Risks and important considerations

A money market fund is an investment, not a bank deposit; returns are not guaranteed. Review the current fund documents, applicable taxes and redemption terms.

Eligibility and how to apply

Safaricom stated a minimum investment of KES 100 at launch. Confirm current availability and account conditions in the M-PESA app or current official terms.

Frequently asked questions

Minimum investment stated by Safaricom: KES 100. Safaricom states deposits and withdrawals to the M-PESA wallet are free. Current yield is intentionally not shown because it changes over time. Source: https://www.safaricom.co.ke/media-center-landing/press-releases/21-01-2025-safaricom-partners-with-investment-firms-to-unveil-ziidi-money-market-fund-powered-by-m-pesa (reviewed 2026-10-13; recheck current terms before publication).

💰 What your money earns

At 7.08% a year, this week's yield (6 Nov 2026) · see how it has moved. Interest builds up every day, so you can see what each day and month adds.

Each day
Each month
In a year

Yield, week by week

  1. 2 Nov
  2. 6 Nov

Average over these 2 weeks: 7.09% a year (from 7.08% to 7.10%).

Before the 15% withholding tax on interest, which the fund deducts for you. The yield changes every day, so treat this as a guide, not a promise.

Want help with this product?

Prefer to go direct? Safaricom in partnership with fund managers's website ↗

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⚖️ Compare with other money market funds

ProductThis oneZiidi Money Market FundSafaricom in partnership with fund managersBritam Money Market FundBritam Asset Managers (Kenya) LimitedCIC Money Market FundCIC Asset Management LtdCytonn Money Market Fund (KES)Cytonn Asset Managers LimitedEtica Money Market Fund (KES)Etica Capital Ltd
This week's rate7.08%9.51%8.41%11.11%10.04%
Minimum to startKES 100KES 1,000KES 5,000KES 30,000KES 100
Access to moneySafaricom states deposits and withdrawals to the M-PESA wallet are free. M-PESA transacti…No lock-in. Invest and withdraw any time through the Britam app, customer portal or USSD…CIC describes withdrawals as available at short notice. Confirm current cut-off times and…The current Cytonn Asset Managers page states withdrawals are paid within two working day…The provider states there is no lock-in period. Confirm the current redemption processing…
RiskMoney market fund; review the current fund documents for the formal r…Low riskLow risk (as described by the provider)Low risk (as described by provider; review current official risk disc…Money market fund; review the latest risk disclosures

Rates change weekly and past returns don't guarantee future returns. Check each fund's latest documents before you invest. See all weekly rates →

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Information last reviewed: 13 Oct 2026

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MoneyVersations provides educational information, not a guarantee of returns or a substitute for individualized financial advice. Investment values and returns may fluctuate; insurance cover is subject to policy terms, exclusions and conditions.