Frequently Asked Questions


What is Mbao pension plan?

Its a registered Individual Private Pension (IPP), regulated by Retirement Benefit Authority (RBA) of Kenya. It helps you to save regularly over long term so that you can recieve funds when you retire from your worklife.


How much do I have to save regularly ?

Mbao pension is a flexi contribution plan. We encourage members to save atleast 20 Ksh daily. The more you save the better your retirement corpus would be. 


Am I eligible to join Mbao pension plan ?

All Kenyan residents above the age of 18 years, with a valid national ID or passport may register to join.  The registrant should also have a registered and active mobile money account like mpesa or airtel money.


How do I become a Mbao pension member ?

Once you satisfy the eligibility criteria then feel free to fill up the above registration form and submit.


Is there a registration fees ?

Currently we charge a very nominal fee of 100 Ksh to cater for the outreach cost. This fee is an one time fee only. 


Is there a penalty if I am unable to regularly save ?

The beauty of mbao pension plan, is that it allows members to same at their own convenience without imposing any hard restrictions as we understand the seasonality of your earnings. Hence this plan does not impose any penalties.


How do I contribute using M-pesa ?

There are 2 ways to contribute money to your mbao pension account using Mpesa, if you are a Safaricom subscriber.

1.  M-pesa mobile app OR M-pesa sim tool kit

Go to Menu >  Pay Bill > Enter business no: 710710 > Enter [Your ID No> Enter [amount>Enter your own M-Pesa Pin > Confirm OK > Wait for M-Pesa SMS Reply.

2. M-pesa USSD payment

Dial *334# >  Choose option 6. Lipa na Mpesa  > Choose option 1. Pay Bill > Enter business no: 710710 > Enter [Your ID No> Enter [amount>Enter your own M-Pesa Pin > Confirm OK > Wait for M-Pesa SMS Reply.


Can I do online transfer from my Bank ?

Members can also do the contribution to your own Mbao pension account using Bank transfers to the Mbao custody account. 

For using Bank Transfers, member would need to register their Bank account details with us. Use there national ID & full name in the reference details of the bank transfer. Once the bank transfer is executed, kindly share the executed payment advice for reconciliation. 

You can also place a weekly, monthly contribution standing order with your bank.


How can I contact the Mbao team ?

Mbao also has a dedicated helpline. You can reach out on +254(0)729887587 (Safaricom), +254(0)731107109 (Airtel).


How can I become a change agent for promoting Mbao pension ?

Do you think you have it in you to convince people to join our revolution ? Are you an existing member, we would be happy to have you refer your family & friends. Help us grow the Mbao family.



How can I support the cause to further the impact of Mbao ?

You can support us either by volunteering with us as an individual, partnering with us as an institution or donate to further our cause. Click the link below for more details


How can I send my contribution ?

We have various channels of contribution for a registered member.  Please click the link below for more details


How do I share my constructive feedback with the mbao team ?

Please feel free to use the the link below to submit your feedback/testimonial. Kindly be as thorough as possible in your detailed explanation.


How do I raise a trouble ticket ?

If you have a querry beyond our FAQ section, Please feel free to  fill our service request form link below.

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