How to start investing through Safaricom’s Ziidi in three simple steps

Safaricom customers can initiate their investment journey through Ziidi by leveraging the M-Pesa app or a USSD code, giving them direct access to a money market fund on their mobile phones. In a statement on November 1, 2026, Safaricom promoted the service, highlighting it as an ideal option for beginners and those aiming to expand their savings.

Ziidi, Safaricom's Money Market Fund (MMF), enables M-Pesa users to transfer funds from their mobile wallets into an investment account, thereby generating returns. The service is available through both smartphones and feature phones, eliminating the need for a dedicated application.

To commence the registration process, customers can either use the M-Pesa app or dial *334# on their feature phones. Both methods lead to the financial services section, where Ziidi is accessible. Safaricom's detailed three-step process for new investors includes: first, opening the M-Pesa app and logging in, or dialing *334#; second, selecting Financial Services from the menu and choosing Ziidi; third, completing the registration by following the instructions, using the M-Pesa PIN, and specifying the investment amount.

Upon confirmation of the transaction, funds are automatically transferred from the M-Pesa wallet to the Ziidi Money Market Fund. Customers can subsequently track their investment balance and earnings directly through the platform. Notably, Ziidi offers the unique advantage of enabling instant fund withdrawal from Ziidi back into the M-Pesa wallet without any prolonged processing time. Additionally, the service allows users to monitor daily earnings.

The investment account is secured using the customer’s M-Pesa PIN, which is essential for both registration and transaction completion. Safaricom has underscored that the service incurs no extra charges for deposits or withdrawals. This accessibility allows customers to start investing with minimal amounts, making the platform suitable for individuals who may not have substantial sums to invest.

However, it is important to note that Ziidi is a money market fund, which means returns are not fixed or guaranteed and can fluctuate based on the fund’s performance. Therefore, customers should thoroughly review the fund’s terms, fees, risks, and withdrawal conditions before proceeding with their investment. Safaricom has offered an instructional video and detailed steps to guide users through the process of initiating their investment journey with Ziidi.