Kenyans are big about investments – and in 2025, another opportunity has come to invest with Safaricom Ziidi Money Market Fund (MMF). According to the Telco Ziidi Money Market Fund, it allows its M-PESA clientele to invest in a money market fund – and best of all, with as low as KES 100 (lowest in the region) with instant withdrawal time.
We compared Ziidi Money Market Fund with other popular local money market funds, including Lofty Coban MMF (2-3 business days withdrawal time) and Cytonn MMF (instant withdrawal time). Ziidi proved to have the lowest investment option. That’s not all since Ziidi Money Market Fund will be run on the M-PESA platform, giving Safaricom an abundance of potential clients – approximately 34 million.
KES 100 as the minimum investment was quite enticing for me, and I decided to try it out and hopefully give our loyal readers some first-hand experience.
What is a Money Market Fund
Well, I’ll be as brief as possible. Money Market funds are the most popular investment options in the world today. It’s a mutual fund that invests in low-risk financial instruments, such as government securities, commercial paper, and treasury bills.
If you’ve tried to invest in any of the above government instruments, you understand it’s not a walk in the park. For starters, you’ll need a considerable amount of money to invest – and it’s quite a lengthy process to get started.
Money market funds are designed to offer investors with stable, high liquidity income, attracting more individuals (people looking for low-risk investment opportunities) than conventional options.
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What is the Safaricom Ziidi Money Market Fund all about?
Safaricom’s Ziidi Money Market Fund is a Capital Markets Authority of Kenya-approved Collective Investment Scheme (CIS) that partners with the Standard Investment Bank, Sanlam Investment East Africa Limited, and ALA Capital Limited.
Based on Safaricom’s track record offering financial services in Kenya and the world – Ziidi Money Market Fund is set to be a secure platform where qualifying investors can grow their funds.
Why Safaricom’s Money Market Fund is Attractive
Several things make the Ziidi Money Market Fund attractive to Kenyans. Since I’ll be investing in this mutual fund (my first investment ever), I have listed a few things that stand out compared to other regional services.
M-PESA Integration: Here’s the truth. I’ve been a freelancer for nearly a decade, and M-PESA completely changed how I receive payments from clients regardless of their global location. M-PESA has 34 million subscribers, meaning you can effortlessly deposit and withdraw funds from Ziidi with a few swipes.
Low Investment Option: For a long time, investment funds have been available for individuals with fat wallets. Most people will have the chance to invest their money into the mutual fund for the first time. Ziidi Mutual Fund’s minimum investment in KES. 100 – a game changer in investment fund circles.
Competitive Interest rates: So far, the most lucrative interest rate in money market services in Cytonn MMF and Lofty Coban MMF offers a 14% interest rate on investments. Safaricom Ziidi MMF comes second with 13.65%. This is an attractive package for investors looking for a good payday.
Instant Withdrawal: Most MMFs lose clientele due to withdrawal time. It’s important to understand that an individual’s savings are sacred. Therefore, having access to their funds whenever needed gives the mutual fund a lot of credibility.
Zero Transaction Fees: Since the MMF runs on Safaricom’s M-PESA platform, it was only fair that they wouldn’t include charges on withdrawal. What’s the point of investing in a mutual fund if your profits are subject to further charges?
Quick Sign Up: The Ziidi Money Market Fund application process is as quick as buying airtime or bundles via M-PESA. It only takes a few steps on your mobile phone, and you’ll have begun your journey investing in a money market fund.
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How to Join Ziidi Money Market Fund
I’ll be honest: joining Safaricom Ziidi Money Market Fund takes only four steps. You can go about this two ways: via USSD or the M-PESA App.
Joining Ziidi on Safaricom M-PESA App
Step 1: Download Safaricom M-PESA App
If you don’t have the Safaricom M-Pesa App, the first step is to go to your mobile phone’s App Store and download Safaricom’s M-PESA App.
Step 2: Log Into M-PESA and access Financial Services
The next step is to log into your M-PESA App on your mobile phone, access the Grow tab within the application, and tap ‘Ziidi.’
Step 3: Apply for Ziidi MMF
The last step is to tap on Ziidi within the Grow tab. A pop-up will appear with a link to read the terms and conditions of the investment. If what you read is satisfactory, tap on the ‘Accept’ option and wait for a confirmation message.
Joining Ziidi via USSD
If you don’t have a smartphone, you can still join Safaricom Ziidi Money Market Fund via USSD. It’s quite simple and only takes the following steps:
Step 1: Dial the USSD Code
To get started, dial *334# on your mobile phone’s dial pad and press the ‘Okay’ or ‘Call’ button.
Step 2: Choose Financial Option
Once you’ve hit ‘Call’ on *334# USSD, a pop-up will appear similar to M-PESA services. Select ‘Financial Services’ on the list and press ‘Okay.’
Step 3: Choose Ziidi
After selecting ‘Financial Services, ’ another pop-up will appear with ‘Ziidi’ at the top. Choose ‘Ziidi.’ Another pop-up will appear, asking you to read and accept the terms and conditions. If you choose to proceed – pick the ‘Accept’ option and wait for a confirmation message.
You will receive a message confirming your entry into Safaricom’s Ziidi Money Market Fund. You can access the investment options through the M-PESA App and begin your investment journey.
How to Invest in Ziidi Money Market Fund
Safaricom has made investing in the Ziidi Money Market Fund quite easy. If you have not applied for the Ziidi MMF, read the above section on how to join Ziidi MMF. If you have received a confirmation message from Safaricom about joining Ziidi, do the following to begin your investment journey.
You can deposit money into Ziidi MMF and begin your investment journey in two ways. The first method is via the M-PESA App, and the second option is through USSD.
Investing on Ziidi via M-PESA App
Investing in Safaricom’s Ziidi MMF via the M-PESA App is easy and only takes a few steps.
Step 1: Download M-PESA App
If you don’t have the M-PESA App on your smartphone and wish to perform your transactions through the platform, downloading the app from your device’s App Store is the first step.
Step 2: Log into M-PESA App
After successfully downloading the App onto your mobile device – tap on the M-PESA App and log in to access the Ziidi MMF platform by tapping on ‘Grow.’
Step 3: Deposit funds
After tapping ‘Ziidi’ within the ‘Grow’ tab, select the ‘Invest’ option and enter the desired amount you wish to invest into the MMF. You’ll be prompted to input your M-PESA PIN and await confirmation.
Investing in Ziidi via USSD
Investing in Ziidi Money Market Fund via USSD is simple and only takes a few steps.
Step 1: Dial the USSD Code
The first step is to dial *334# on your mobile phone’s keypad. Type the code, press the ‘Call’ button on the keypad, and wait.
Step 2: Select Financial Option
After dialing in the code, a prompt will appear similar to the M-PESA services prompt, but this time with ‘Financial Services’ somewhere below. Choose ‘Financial Services’ and select ‘Reply.’
Step 3: Invest Funds
Under ‘Financial Services, ’ pick the first option, ‘Ziidi,’ and hit ‘Reply.’ Ziidi tab will be prompted, and at this point, pick ‘the Invest’ option, input your desired investment amount and M-PESA PIN, and wait for a confirmation message.
After depositing the funds, you will receive a message from Ziidi confirming your investment in Ziidi MMF.
There you go! That’s all you need to know about Ziidi MMF and how to make your first investment. All the best! Please share your experience in the comment section below to help improve this article for future readers.