You can onboard digitally via Google play store in 3 minutes or so and account is ready to start investing:

Click on forgot password at the login page and follow the instructions to the end.

Check under Total Savings – Whenever you do a deposit transaction via bank/m-pesa/equity agent, the money will be captured as cash under Total Savings balance and automatically moves to investment balance the next business day to start earning interest (which is the date displayed on your app under activity and it’s also captured in the email confirmation that you received with a pdf document).

For Bank – Withdrawal to bank is free and paid within 2 working days.

For Mpesa – You can withdraw up to KES 250,000 to mpesa instantly in a few seconds as a daily limit any day whether it is at night, holiday or weekend. More than that like 250,001 onwards is paid within 2 working days to Mpesa.

Withdrawal to mpesa has transaction charges between KES 4/= to 30/= based on amount but it will show you before you complete the process (e.g. highest is KES 30/= charge if withdrawing KES 250,000).

Log out of your profile, click on change below the Log In button and follow the instructions to the end.

KYC means Know Your Customer and sometimes Know Your Client KYC – It is the mandatory process of identifying and verifying the client’s identity when opening an account and periodically over time.

Check the welcome email you received from Etica when you opened your account. It has the for password for opening PDF documents.

Login using your username as your phone number (do not type in the first digit zero “0”).

It means either your device is not genuine / has been jailbroken hence failing the security check – You can use the web browser to login via our website portal.

Money Market Fund is a collective investment scheme, where the fund manager (Etica) invests in short term near cash opportunities and gets interest for the unit holders. The fund has a trustee ( Co-Op Trust) to safe guard the interest of the investors and a custodian ( Equity Bank) who collects and distributes the money invested in the Money Market Fund. This Etica Money Market Fund gives daily compound interest on the money invested.

You can make this change by clicking on your profile at the top left corner of the home screen. Go to Save as You Spend, click on CHANGE then choose the percentage you want and save the change.

Login to your account, navigate to Jipay Later add a NEW GOAL, select the goal category either Business, Education, Sherehe or Other. Add the name of the goal you have created. Put a target amount and select the date you want to achieve your goal and start saving.

Yes – You can also use any of the money remittance companies to remit funds to our KES or USD bank accounts for our products. Just to name a few, they include but not limited to: wave, world remit, taptap send, lemfi, chipper cash, wise, nala, flutterwave

The rates / returns changes daily and you can see them when you login to the app or on our website

The effective annual yield takes into account the compounding effect, it basically shows what the actual rate would be if for one year you are earning interest using the daily rate and this interest is compounded daily meaning the interest is also earning thus the effective rate is higher than the daily yield.

Jipay does not hold any client money but our partner Etica Capital does. Etica is licensed and regulated by the Capital Markets Authority (CMA) as can be viewed on CMA website below. Our products are also listed on CMA website:<br>

Our office is at 5th Floor,All Africa Conference of Churches, Waiyaki way, Nairobi, Kenya. Office is physically open weekdays between 9am – 5pm\ However, we do client support 24/7 including holidays and weekends via any channels for Jipay (Call/Email/Sms/WhatsApp/Twitter/FB/IG/Tiktok/LinkedIn/Youtube).

Check our contacts page here https://jipay.co.ke/contact-us/ for links to our social media pages or our WhatsApp / Call / SMS contacts

We do not offer fixed returns – The rates change daily and can go up or down. Past performance is no indication of future performance.

Yes, for Airtel Money follow below guidelines: On airtel line dial *222#, select option 6 (Paybill & Till Payments), select option 5 (m-pesa paybill), then put Etica’s mpesa paybill *******, and then next the part for account number part you will put your Jipay client code e.g. 161077M

Yes – Free deposit options are: over the counter at any Equity Bank branch (cash or cheque deposit) or cash deposit at any equity mtaani agents

Check KYC file size – Ensure each document is less than 3MB in size before uploading

You can start with a deposit of Ksh.100/=

Jipay does not give loans. We are a savings and investment app only.

The Lock Savings offers an opportunity to save for definite needs like Business, Education and Sherehe. It promotes financial discipline by locking your funds for a set period, with penalties for early withdrawal.

To participate, set up your Jipay Later wallet by choosing a lock-in period (either 30 days,3 months or 9 months) and depositing the amount you want to save. You can add top-ups as you go.

The return rate is as displayed in the app, and this rate may change monthly based on market performance. The app will provide a breakdown of the competitive interest earned each month and the total interest earned.

Yes, but early withdrawal will incur a penalty of 50% of the interest earned. We encourage you to keep your funds locked for the selected duration to maximize your returns.

No, there is no minimum amount required to set up your vault. You can start with any amount and add top-ups as you go.

The interest is calculated and accrues daily. You will see the interest earned month-on-month in the vault breakdown provided by the app.

The interest rate changes monthly to reflect the performance of the market. This ensures you receive the best possible returns based on current market conditions.

No, at Jipay, we believe in complete transparency. The interest returns offered are net of management fees and taxes, so there are no hidden charges.

For normal goals, you can withdraw your funds at any time, this can be a partial or the full amount of that goal.

Upon a successful withdrawal request for both personal and group goals; you will receive funds within 48 hours or less for amounts that are less than Kshs. 200,000/=

You will incur the standard M-Pesa paybill transaction fees when withdrawing funds.

Here is a step-by-step guide:

Tap on a withdraw button
Select withdraw destination either Mpesa or Bank.
Enter amount you wish to withdraw
Enter your password
You will get the funds in your M-Pesa within 48 hours.

Once we get your withdrawal request, you will get the funds within 48 hours.

We offer interest, thus we need to invest the funds. 48hrs allows us to uplift funds from investments and complete the withdrawal.