In 2025, more and more Kenyans are turning to M-Akiba, a mobile-based platform for investing in government securities. The platform is seeing a surge in adoption thanks to increased financial literacy, better mobile connectivity and growing interest in safe, low-risk investment options.

What is M-Akiba?

M-Akiba is a government initiative that allows ordinary Kenyans to invest in treasury bonds using their mobile phones. It was introduced to promote a savings and investment culture among citizens who previously had limited access to capital markets.

With a minimum investment of just Ksh 3,000, M-Akiba gives you an opportunity to earn tax-free interest while supporting national development.

Why Is It Popular in 2025?

Here are the reasons:

  • Low Risk: Government bonds are the safest investment.
  • Good Returns: M-Akiba gives you an average annual return of 10% tax-free.
  • Mobile Convenience: The whole process — from registration to buying bonds — is done via USSD or M-Pesa.
  • Financial Awareness: More Kenyans are aware of the need to invest not just save.

How to Invest in M-Akiba in 2025

  1. Dial *889# on your phone.
  2. Register using your ID.
  3. Fund your M-Pesa wallet with at least Ksh 3,000.
  4. Choose the current bond offer and confirm.

You’ll get an SMS with the number of units you bought and interest details. Interest is paid semi-annually.

Who Should Invest in M-Akiba?

M-Akiba is for:

  • First-time investors looking for a safe entry into the financial markets
    • Students, salaried individuals and small business owners with spare cash to invest
    • Kenyans in the diaspora looking for low-risk government-backed investments

    Testimonials

    Jane, a small business owner in Nakuru, started investing in M-Akiba in 2023. By 2025, she had invested over Ksh 150,000 in bonds and was earning steady interest. “It’s like saving, but smarter. I don’t have to worry about my money being idle,” she says.

    Challenges and Prospects

    Despite the benefits, M-Akiba has faced challenges including low awareness and irregular bond offers. But with government backing and mobile network support, 2025 might just be its best year yet.