TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
M-Shwari (NCBA)
M-Shwari is NCBA's savings and lending product accessible through M-Pesa.
Send Money
234
Note: Access via M-Pesa USSD menu
Note: Accessed via M-Pesa menu, not a traditional paybill.
Looking for a loan?
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Before borrowing from M-Shwari, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay M-Shwari
M-Pesa
Pay via M-Pesa 234
- Dial *234# on your Safaricom line.
- Follow the prompts — the menu will guide you through the rest.
About M-Shwari
M-Shwari is NCBA's savings and lending product accessible through M-Pesa.
- Sector
- Lending
- Official site
- ke.ncbagroup.com
Compare lenders
Compare alternatives to M-Shwari
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about M-Shwari
What is M-Shwari's send money number?
M-Shwari's M-Pesa send money is *234#. M-Shwari is NCBA's savings and lending product accessible through M-Pesa.
Can I pay M-Shwari from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to M-Shwari's send money 234. Compare fees on our diaspora hub before sending.
How do I repay my M-Shwari loan?
Use M-Pesa send money *234# with your Activate via M-Pesa menu or M-Pesa app.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact M-Shwari support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to M-Shwari went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. M-Shwari should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
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Related paybills
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Paybill displayed: 234 (mpesa send-money). How we verify.