Verified 12 September 2026
Cashia Wallet (2026)
By James Mwangi · Cashia hub
The Cashia Wallet is a CBK-licensed digital wallet you use to send, receive and cash out money in Kenya. Open it on the web at app.cashia.com or in the Cashia app, top up for free from M-PESA or Airtel, pay merchants that accept Cashia, and cash out via an agent, PesaLink to your bank, or back to M-PESA.
How to open a wallet
Sign up at app.cashia.com or in the Cashia app, verify your phone number with the OTP, agree to the terms, and set your PIN. Onboarding is minutes, not days.
Top up (deposit)
Deposit is free from M-PESA or Airtel Money. Deposit by card costs 3% local and 3.6% international. Deposit at a Cashia agent is free.
Send, receive, pay
Send to another Cashia wallet or to M-PESA / Airtel. Pay merchants that accept Cashia. Use your Stika (@handle) so you never share your phone number.
Cash out
Withdraw at a Cashia agent, send via PesaLink to your bank, or send to M-PESA. Each has its own tariff, capped at KES 250 for large agent withdrawals and KES 100 for PesaLink.
Frequently asked
Is a Cashia Wallet safe?
Yes, Cashia is licensed by the Central Bank of Kenya and PCI DSS certified.
Is it free to open?
Yes.
Can I top up free from M-PESA?
Yes, deposits from M-PESA and Airtel are free.
Related
Verified 12 September 2026. Independent guide, paybillke is not affiliated with Cashia. Re-check current tariffs at cashia.com/pricing before relying on any figure.