Investing in Government Bonds via Mobile (2025 Guide)
M-Akiba is Kenya’s groundbreaking mobile-based government bond, designed to make investing in infrastructure accessible to everyday citizens. First launched in 2017 and refined over the years, M-Akiba allows Kenyans to invest in government securities directly from their mobile phones, with a minimum of just KSh 3,000. In 2025, it remains one of the most inclusive and secure investment options available.
This guide breaks down how M-Akiba works, how to invest, and why it’s gaining popularity among low-risk investors.
What Is M-Akiba?
M-Akiba is a retail infrastructure bond issued by the Government of Kenya, administered through the Central Bank of Kenya (CBK) in partnership with the Nairobi Securities Exchange (NSE), CDSC, and mobile network operators. It’s designed to:
- Fund public infrastructure projects
- Promote financial inclusion
- Encourage a savings and investment culture
Unlike traditional bonds that required KSh 50,000 or more, M-Akiba lowers the entry barrier to KSh 3,000, making it accessible to millions of Kenyans.
Key Features of M-Akiba
| Feature | Details |
|---|---|
| Minimum Investment | KSh 3,000 (in multiples of KSh 500) |
| Interest Rate | 10% per annum, tax-free |
| Tenure | 3 years |
| Interest Payments | Twice a year (semi-annually) |
| Liquidity | Tradable on NSE before maturity |
| Access Method | Mobile phone via USSD (*889#) or M-PESA |
| Security | Backed by the Government of Kenya |
Step-by-Step: How to Invest in M-Akiba
1. Register via Mobile
- Dial \889#* on Safaricom or Airtel
- Enter your ID number and follow prompts
- A CDS account is automatically created for you
2. Fund Your Wallet
- Load your M-PESA or Airtel Money with at least KSh 3,000
- Use Paybill 890990 to deposit funds
3. Buy Bonds
- Choose the current bond offer from the menu
- Confirm your purchase
- You’ll receive an SMS with your bond units and interest details
4. Track and Trade
- Interest is paid every six months
- You can sell your bonds on the NSE before maturity if needed
Why M-Akiba Is Popular in 2025
- Tax-Free Returns: You earn the full 10% interest without deductions
- Mobile Convenience: No paperwork, no bank visits—just your phone
- No Middlemen: Direct transactions with the government
- Financial Inclusion: Ideal for students, small business owners, and first-time investors
- Liquidity: Bonds can be sold on the NSE if you need cash before maturity
Who Should Consider M-Akiba?
- First-time investors seeking a safe entry point
- Kenyans with limited capital but long-term goals
- Diaspora investors looking for government-backed returns
- Savers who want to earn more than bank interest rates
Final Thoughts
M-Akiba is more than just a bond—it’s a tool for economic empowerment. With mobile access, tax-free interest, and government backing, it offers a secure and rewarding way to grow your money while supporting national development. Whether you’re investing KSh 3,000 or KSh 300,000, M-Akiba makes it possible to participate in Kenya’s financial future.
