Free tools for Kenyan mobile money
Built to actually help, not gated, not signup-walled. Use as much as you need.
Reference assets: the CBK-licensed PSP directory (43 Payment Service Providers) and the CBK-licensed DCP directory (227 Digital Credit Providers).
Paybill lookup
Type any company name and find its M-PESA paybill instantly. Searches across verified Kenyan paybills.
Scam checker
Enter any paybill number. We tell you if it matches a verified Kenyan business or has scam-pattern warning signs.
Cheapest send-to-bank
Compare M-PESA paybill, bank app pull, and SWIFT wire for any amount and any Kenyan bank. See exact fee for each.
Diaspora calculator
Input how much you want to send from London, Dubai, New York, or Sydney. See net amount in M-PESA after FX and fees across major remittance services.
Loan eligibility checker
Pre-check your eligibility for KCB M-PESA, M-Shwari, Fuliza, Tala, Branch, and Hustler Fund based on your situation.
Paybill vs bank app
For any amount and any major Kenyan bank, see whether paying via paybill or via the bank app pulls is cheaper.
CBK licence checker
Search a lender name to see whether it is on the Central Bank of Kenya register of non-deposit-taking credit providers. Seeded from the April 2026 register with explicitly-flagged not-in-register providers.
Financial calculators
PAYE / net salary, M-PESA fees, loans, mortgage. Built for Kenya, updated for the current Finance Act.
Open calculators hubM-PESA fees calculator
The original, calculate the M-PESA fee for any transaction type and amount, with the 2026 brackets baked in.
Open M-PESA calculator