Open a Personal Account

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

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

How this works

Fill out the form below — this saves your application.
Visit your nearest Pesa Mtandao branch with your original government-issued ID (national ID, passport, or driving licence).
A branch officer verifies your ID and activates your account on the spot. They'll handle every step from there.

Personal Details

First Name *

Last Name *

Phone Number * (your login)

Email Address (optional)

Currency

Identity Verification

ID Type *

ID Number *

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.

PIN * (4–8 digits)

Confirm PIN *

Anything Else? (optional)

I confirm the information above is accurate and I have read and agree to the Terms of Service and Privacy Policy.