Pesa Mtandao

Open a Personal Account

For everyday people — send money, pay bills, top up airtime, save with Pesa Akiba, join chamas.

Already have an account? Sign in here

Running a business and want to accept payments instead? Open a Merchant Account.

How this works
  1. Fill out the form below — this saves your application.
  2. Visit your nearest Pesa Mtandao branch with your original government-issued ID (national ID, passport, or driving licence).
  3. A branch officer verifies your ID and activates your account on the spot. They'll handle every step from there.
Personal Details
Identity Verification
Choose Your PIN

You'll use this PIN to authorise payments at any Pesa Mtandao merchant. Choose something memorable but don't share it with anyone.

Anything Else? (optional)