Ziidi Money Market Fund
Money market fund · Regulated by the CMA
A fund from Safaricom. You invest through M-PESA. Managers put your money into government securities and bank accounts.
Hear when this changes
The details that matter for this kind of plan
- H1 2026 total assets
- KES 20.33B
- H1 2026 surplus attributable to unit holders
- KES 679.95M
- H1 2026 total investment income
- KES 918.29M
- H1 2026 management fees
- KES 201.61M
- H1 2026 unit-holder balances
- KES 20.21B
- H1 2026 asset allocation breakdown
- 40.7% fixed deposits, 35.6% call deposits, 12.1% government securities, 4.7% commercial papers, 2.8% Treasury bills, 2.1% cash and bank balances, 1.8% corporate bonds
- Management fee
- 2% per annum
- Minimum to start
- KES 100
- Minimum to withdraw
- KES 10
- Withdrawal speed
- Instant to M-PESA
- Withholding tax
- 15% on interest
How to open this
- Open with KES 100
- top up from KES 10
- your money is 0 working days away
What does it cost you?
| Yearly charge on your moneySafaricom product page FAQ: 'the fund management fee is 2% interest per annum' | 2% a year |
|---|---|
| Taken off each payment you makeamount deposited | Nothing |
What if you stop paying?
Nothing is owed. Your money stays invested and keeps earning interest.
What if you need the money early?
You can withdraw instantly to your M-PESA wallet. There is no charge and no waiting period. The smallest withdrawal is KES 10.
Who this suits
You want to keep your money in M-PESA and earn interest on it. You can start with KES 100. There are no fees to move money in or out.
You want a published yield figure you can compare against other funds. Safaricom does not publish a rate on its website. The rate changes daily and is only shown inside the M-PESA App and on *334#.
What they tell you
- What do they charge you every year?2% a year, taken from Safaricom product page FAQ: 'the fund management fee is 2% interest per annum'.
- What is taken off the money you pay in?Nothing. They state there is no charge here.
- What is the smallest amount you can start with?KES 100.
- Are all their charges published?Yes, every charge they mention has a figure against it.
- Do they say who regulates them?Yes — the CMA. That is who you complain to.
Talk to them
- Website: www.safaricom.co.ke
- If something goes wrong, the CMA is who supervises them.
Compared with the others
There are 24 other plans of this kind on the board. See all 25 side by side — what each one leaves you with, and which of them will not say.
What has changed here
- 1 October 2026
- Taken off each payment you make is now 0%, and was not published before
- 8 September 2026
- Yearly charge on your money is now 2% a year, and was not published before
- Smallest lump sum to start is now KES 100, and was not published before
- Smallest top-up is now KES 10, and was not published before
- Working days to get your money is now 0 working days, and was not published before
- Tax taken off the interest is now 15% a year, and was not published before
- 31 August 2026
- Somebody read the company's own material only a regulator's listing → researched
We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“The minimum amount to invest is KES 100 and the minimum amount you can withdraw is KES 10.”
Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfread 2026-10-01“Withdraw your funds from Ziidi MMF and instantly receive them on your M-PESA account. You don't have to wait for days or hours for your request to be processed.”
Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfread 2026-10-01“Yes, Like all other interest earning investments, the Ziidi MMF income is subject to 15% withholding tax.”
Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfread 2026-10-01“Yes, the fund management fee is 2% interest per annum. However, the return indicated is a net return.”
Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfread 2026-10-01“you won’t be charged any transaction fees for deposits”
Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfread 2026-10-01“management fees increasing 158.8% to KES 201.61M”
“Surplus attributable to unit holders rose 149.0% to KES 679.95M, as total investment income increased 159.1% to KES 918.29M.”
“Total assets rose 90.2% YoY to KES 20.33B”
“total investment income increased 159.1% to KES 918.29M”
“Total operating expenses rose 193.1% to KES 238.31M, with management fees increasing 158.8% to KES 201.61M.”
“Unit-holder balances increased 90.8% to KES 20.21B”
Where we got this
- Read on 2026-10-01
- Read on 2026-08-31
- Safaricom: Ziidi Money Market Fund product page — terms, fees, minimums, and withdrawal termsthe company itselfRead on 2026-10-01