Safaricom’s Ziidi Money Market Fund (MMF) is revolutionizing how Kenyans save and invest. Launched in December 2024, this mobile-based investment platform allows M-Pesa users to grow their money daily with competitive interest rates—starting with as little as KES 100.
With over 450,000 users and KES 2.85 billion in assets under management, Ziidi MMF is quickly becoming a preferred choice for low-risk, high-accessibility investing.
In this guide, we’ll cover:
- What Ziidi Money Market Fund is and how it works
- Key benefits and features
- Step-by-step registration process
- Interest rates, fees, and taxes
- How to withdraw and manage funds
What Is Ziidi MMF?
Ziidi MMF is a money market fund approved by the Capital Markets Authority (CMA) that lets M-Pesa users invest in government securities (like Treasury bills) and interest-earning accounts.
How It Works
- Daily Interest: Your money earns interest calculated daily and credited to your account.
- Instant Access: Withdraw anytime via M-Pesa—no waiting periods.
- Zero Fees: No transaction or maintenance charges.
Why Invest in Ziidi MMF?
Here’s why Kenyans are joining Ziidi:
✅ Low Minimum Investment – Start with just KES 100.
✅ Daily Earnings – Interest is calculated daily and is visible in real-time.
✅ Free Deposits & Withdrawals – No fees for moving money between M-Pesa and Ziidi.
✅ Secure & Regulated – Backed by Safaricom and CMA-approved.
✅ Flexible Locking Feature – Lock funds to avoid impulsive spending (unlocks in 72 hours).
How to Register for Ziidi Money Market Fund
Via the M-Pesa App
- Download the M-Pesa App (if you don’t have it).
- Log in and go to “Financial Services.”
- Tap “Ziidi” and follow prompts to register.
Via USSD (*334#)
- Dial *334# on your Safaricom line.
- Select “Financial Services” > “Ziidi.”
- Enter your M-Pesa PIN to complete registration.
Once registered, transfer funds from M-Pesa to Ziidi and start earning!
Ziidi MMF Interest Rates & Fees
- Interest Rate: Changes daily (visible on M-Pesa App or *334#).
- Management Fee: 2% per annum (already deducted from displayed returns).
- Withholding Tax: 15% on earnings (standard for Kenyan investments).
How to Withdraw from Ziidi Money Market Fund
Withdrawals are instant and free:
- Go to Ziidi in the M-Pesa App or dial *334#.
- Select “Withdraw” and enter the amount (min. KES 10).
- Confirm with your M-Pesa PIN—money reflects immediately.
Ziidi MMF vs. Traditional Savings
| Feature | Ziidi MMF | Bank Savings |
|---|---|---|
| Min. Deposit | KES 100 | Often KES 1,000+ |
| Interest | Daily, higher returns | Monthly, lower rates |
| Access | Instant via M-Pesa | Bank delays may apply |
| Fees | Zero transaction fees | Some banks charge fees |
Final Thoughts
Ziidi MMF is a game-changer for Kenyans seeking easy, low-risk investing with high liquidity. Whether you’re saving for emergencies or growing wealth, Ziidi offers flexibility, transparency, and daily growth—all from your phone.
Ready to start? Join Ziidi MMF today via 334# or the M-Pesa App!
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