Kanoti88 asked Safaricom to allow much larger payments through M-Pesa, including a Ksh10 million ceiling.
Ziidi Shari’ah’s minimum initial investment is KSh100. Customers can add funds through the My OneApp app or by dialling *334#.
The current M-Pesa ceilings
Customers can hold up to Ksh500,000 in an M-Pesa account. A single transaction can reach Ksh250,000, while the daily transaction limit is Ksh500,000. A Ksh10 million payment cannot go through as one ordinary M-Pesa transaction.
Safaricom’s Ziidi Shari’ah money market fund has no stated maximum investment. Deposits and withdrawals through M-Pesa, however, remain subject to the wallet’s transaction and daily limits, as described in fund-limit reporting.
Safaricom launched Ziidi Shari’ah with GulfCap Investment Bank in October 2026. The fund received approval from the Capital Markets Authority and operates separately from the regular Ziidi Money Market Fund.
A request without a policy change
Kanoti88 asked Safaricom to raise the limit, calling the Visa card “useless” for serious transactions. Safaricom replied: “Hello Kanoti. Thank you for reaching out. Mobile money transaction limits are regulated by CBK.” The company did not say whether it would seek approval to raise the caps or add security requirements.
The issue concerns retail payment limits, not the capital-market activity described in Nairobi’s deal surge. Those activities sit in different parts of Kenya’s financial system.
For customers, the Ksh250,000 per-transaction ceiling and Ksh500,000 daily limit remain in force. Safaricom’s reply gives no indication of a pending revision. The existing caps still apply.
