M-KOPA Kenya 2026: smartphone financing, digital loan, mobility

M-KOPA paybill is 333222 (verified August 2026). On M-PESA: Lipa na M-PESA, Pay Bill, 333222, account = your M-KOPA registered phone number (the number the SIM in your M-KOPA phone uses, or the number your digital loan is tied to). Merchant name should read M-KOPA or similar. Confirm the name before pressing send.

You pay an initial deposit at an M-KOPA agent, take the smartphone home the same day, then pay via M-PESA on a daily, weekly, or monthly rhythm for a set number of months. The phone stays locked to M-KOPA payments; miss too many payments and the phone locks until you catch up. Complete the full plan and the phone becomes fully yours with no lock.

After roughly 3 months of consistent repayment on your M-KOPA phone or other M-KOPA product, you unlock access to an M-KOPA Digital Loan: a small cash loan disbursed to M-PESA. Terms and eligibility are set by M-KOPA based on your repayment history. The digital loan is not available immediately at signup; it is a reward for on-time payments.

Smartphones (own via deposit plus daily / weekly / monthly payments), Digital Loans (unlocked after roughly 3 months of good repayment), Health Cover, Device Protection, Affordable Data bundles, and Mobility (electric motorbikes in Kenya via M-KOPA Mobility). The whole portfolio is built on top of the same M-PESA repayment rail.

The phone or device restricts usage until you top up. It does not delete data or brick the device, but you lose the ability to make calls, send messages, or use apps until payment catches up. For M-KOPA Mobility (electric motorbikes) the tracker throttles the bike similarly. Falling into extended arrears eventually triggers repossession and CRB reporting.

The official Kenya WhatsApp support number is +254 799 136 761. Any other WhatsApp number claiming to be M-KOPA and asking for a deposit before you receive a phone is a scam. Real M-KOPA never asks for a deposit outside official Safaricom M-PESA channels or an M-KOPA agent location. If someone in a WhatsApp chat gives you a personal M-PESA number instead of paybill 333222, stop.

M-KOPA reports over 10 million customers across five markets (Kenya, Uganda, Nigeria, Ghana, South Africa), over USD 2 billion in credit deployed globally, and more than 35,000 sales agents. It has been recognised in the FT ranking of top African fintechs and CNBC top fintech 2026. Registered in London: M-KOPA Holdings Limited, Reg 10891868, 27 Old Gloucester Street, Bloomsbury WC1N 3AX.

WhatsApp: +254 799 136 761 (verify current number on m-kopa.com/kenya before sending sensitive account details). In person, visit any M-KOPA agent or shop. For repayment queries, keep the M-PESA confirmation code handy: it is the reference that unlocks manual re-allocation on the M-KOPA side.