Who is Kava?
Kava is a Money Management and Lending Platform for Consumers and Traders.
Is Kava a Bank?
Kava is not a Bank. We are an approved Financial Services Agent for various Financial Institutions, on whose behalf we provide various products and services. As such, Kava has no access whatsoever to your savings and only facilitates the movement of money between you and the Banking partner and focus on making your experience as delightful as possible. We are similarly an agent of numerous other non-financial institutions, such as Telco’s, billers, ticketing providers and such. Certain products such as certain payment solutions and Kava Loans are provided directly on our own behalf.
Who can use the Kava App?
Any permanent resident in Kenya who is over 18 years of age and has a valid ID number is eligible to use the Kava App. (Some services may be available to those under 18’s using their parent’s details). You’ll also need to have a device that can run our mobile app.
Do I really need to have a smartphone?
You’ll get a lot more out of your Kava account with our mobile app. A smartphone makes all this possible. However the services will also be accessible via USSD, but with limitations on features.
How do I access Kava?
To access Kava, download the app on Google Play store for Android Phone users and follow the simple 2 step registration. Alternatively you can self-register at www.Kava.co.ke or call 0709 880 000 to have our customer care agents register you.
How do I apply for Kava services?
After registration it is possible to access the services on your smartphone. However the services will also be accessible via USSD, but with limitations on features. The services range from Save, Borrow and Insure.
What should I do if I don’t understand the terms and conditions?
It is critical you understand what you agree to when you take a Kava loan. Kava highlights four major points you must agree to when you accept a loan offer:

(a) To pay the loan balance on or before the due date. This means that a loan MUST be paid back by the due date.
(b) To allow use of your personal data to determine loan offers. This means you consent to Kava considering and analyzing your personal data in order to determine your loan offers. Your personal data comes from many sources, including your phone, bill payments, the credit bureaus, and other sources.
(c) To be subject to fees and penalties for late payment. This means you consent to pay additional fees and interest if your loan payment is late.

Please click here to read full Terms & Conditions. If you need further explanation of the Terms & Conditions please contact customer care by calling 0709 880 000 you can also send an email to help@kava.co.ke or help@kava.africa.
How do I qualify for Kava?
In order to qualify for Kava, you must have:-
  1. Kenyan ID/Passport number
  2. Parents ID/Passport number if under 18
  3. Physical address
  4. An active email address
  5. Postal address
Do I need collateral or documentation to receive a Kava loan?
You do not need any collateral or documentation to receive a Kava loan.
What can I borrow for?
Presently the loan products available are;
  1. FloatKava – For Pesatransact Agents who wish to borrow for float
  2. StaffKava – Salary advances for staff of businesses registered with Kava
  3. MyKava – General loan available to those who have used other Kava/Zeepo services for at least once
  4. FutureKavaLoans – These will include EducationKava, MotorKava, etc…
Do I need to speak to a Kava agent to apply for a loan?
You are not required to talk to any agent to receive a Kava Loan. However, we are happy to assist you if you have any questions. Please visit https://kava.africa/index.html and click “Online” or you can call us on 254 709 880 000 or email support@kava.africa.
How long does it take to get a Kava loan?
Kava does not guarantee a time within which you will receive your loan, but most customers complete the application and receive the money in their M-PESA account within a few minutes.
How do I increase my loan offers on Kava?
The best way to increase the size of your loan offers is to pay your Kava loans early.
What interest rates are charged for loans?
For each loan amount borrowed, we levy a flat Kava Charge. The Kava Charge varies depending on the Kava loan product requested. Late repayments attract penalties at flat rates as well. Kava shall from time to time publish fees/ charges applicable on Loans taking into account the prevailing market conditions.
How much money can I borrow on the Kava app?
Kava will usually start with a small loan and grow your amounts over time as you pay your loans and build trust with the system.
How do I pay back my Kava loan?
1. To pay your Kava loan, go to your mobile app and navigate to “Repay My Loan”
2. Choose Mode of payment. (Currently only MPESA is active)
3. Enter the amount you want to repay
4. Enter number you will be paying from (can be any number other than the one registered in your Kava App account).
5. Enter your MPESA pin
6. A confirmation message will be sent to your registered number via sms.

1. Go to your M-pesa menu
2. Enter your account number
3. Enter the Paybill number 580500
4. Enter the amount you want to repay
5. Enter your MPESA pin

What is the fee to get Kava?
Kava usually charges a one-time registration fee of Kshs. 20 and interest of 10% of the loan amount as well as a processing fee of Kshs. 25.
When does a Kava loan have to be paid back?
Your Kava loan must be paid back within either 15 days of disbursement, depending on the loan.
What if I’m unable to pay my Kava Loan on the due date?
If you do not pay your loan by the due date, the loan accrues a 1% daily charge for default payment till payment in full.
How is the loan calculated?
You pay loan interest as specified in the offer, with additional 1% daily charge if you are late or you default. For example, if you take a Kshs. 1,000 loan @ 10%, your loan balance is calculated as follows:-

If you pay by the due date:

Loan value: Kshs. 1,000
10% loan interest: Kshs. 100
Processing fee: Kshs. 25
LOAN BALANCE: Kshs. 1, 125

What do I do if I’m having financial problems and cannot repay my loan?
If you are having financial problems and cannot pay your loan, please visit https://kava.africa/index.html and click “Online” or you can call us on 254 709 880 000 or email support@kava.africa.
I’m interested. How do I get access to Kava savings?
It’s easy! Download Kava App on Play store, register by providing minimum KYC details, accept Terms & Conditions and create a savings account.
Are my savings safe?
Totally. Savings through the Kava platform go to the custody of Britam Asset Managers a regulated entity governed by CMA rules and tremendous experience in Kenya.
How do I make a deposit?
Funding your savings account is via MPESA at the moment.
    Login to the Kava App
  1. Select the account you want to make a deposit into
  2. Enter the amount you want to save
  3. Enter you MPESA PIN
  4. Your savings account will be credited immediately
What is the minimum saving amount?
At the moment, the minimum amount to activate an account and earn interest is KES 1,000/-.
Will I have access to my savings history?
Yes, you can see your available balance anytime on your Personal Dashboard on the Kava App. In addition, you will receive monthly statements including your investment balance & savings details sent to the email that you specified during registration.
Can I save using USSD?
Not yet. The savings is available through the Kava application for now. Let us know here if you would like us to let you know when we develop the USSD function
Can I save money using a different phone number to the one registered?
Your phone number is your unique identifier, so you can save from a different phone number. In case you change your phone number, kindly update your personal information on the app.
Can other people save into my account?
Yes, anyone saving for you will use the same process as (How do I save?) above
Can I withdraw my money?
Yes. It’s your money. You can withdraw it at anytime through the Kava App and your money will be credited to your mobile money account within 48hours. However, we encourage you to keep your money for longer in order to earn a more healthy return on your savings.
Must I save a specific amount monthly?
It’s entirely up to you. You can save anytime you like. The product is flexible and does not have any set requirements for making deposits. However, saving often means your nest –egg grows faster!
When do my savings start earning Interest?
The minimum amount to start earning interest is KES 1000/-. Once you make a deposit, your savings will be invested by Britam and will start earning interest 24 hours after the deposit is made.
What is StaffKava?
StaffKava® is a money management and lending platform that is linked to payroll. It offers small and medium sized businesses an opportunity to enhance talent retention and employee financial wellbeing through fairer financial products that are tied to their salaries. The product basket includes easy credit, savings and ability to pay for health & motor insurance in instalments.
Why should I choose StaffKava?
  • The App is simple and secure to use
  • Our interest rates are favorable, hence reduce the sense of indebtedness for Employees
  • It is convenient and discreet for Employees as loans are disbursed instantly to mobile phone
  • It helps HR Managers focus on their core duties by taking away the administrative headache of managing and accounting for advances
  • Savings earn up to 10% per year for as low as 1000/-
  • HR and Administrators get their own portal where they can view Employee loan activity
Who is eligible for StaffKava?
Any Kenyan citizen who is over 18, employed and receives a regular salary is qualified. However, the Employer has to sign up to the scheme for staff to enjoy the service.
Are there any costs to joining StaffKava for the Employer?
Nope. There are no costs whatsoever to join. The only thing we ask, is for the Employer to deduct what is due to Kava specifically, the amount equivalent to the total loans + fees at the end of the month and remit the same to us.
I’m an interested Employer, what do I need to do?
All you need to do is reach out to us. Log on to www.kava.africa/StaffKava and register your interest. Or call us on 0109 880 000 and a StaffKava agent will get back to you.
I’m an Employee, how do I access StaffKava?
Once your Employer is on board:
  • Simply download the App from Google Play store for Android Phone users
  • Register on the App
  • Save a minimum of Kshs.1000 and you are immediately qualified to access the product.
How many StaffKava Loan products can Employees choose from?
Staff can choose the following products depending on their needs:
• Salary Advance with 30 Days Repayment Term
• Staff Loan with a 60 Days-90 Day Repayment Term
How are loan limits calculated?
Loan limits are calculated automatically based on a %age of salary.
What happens when am unable to access my StaffKava Product or require further assistance?
If you are having a challenge accessing your Administrative portal or products, please contact us on 0709 880 000 or kava@kava.africa. We will be happy to assist you.
What protection products does KAVA offer?
KAVA currently offers Motor Kava. In due course, Health Kava, Home Kava, Funeral Kava and Salary Kava will be on offer on the website. If you would like to be informed as soon as other products become available please let us know.
How can I get a quote?
You can get a KAVA quote by: Following the simple step by step process on the website Calling our Call Centre on 0709 880 000. Your quote will be saved in our system and is valid for 30 days.
Can I pay in installments?
Absolutely! This is what is great about Kava! You can pay your premium in easy and flexible 2 and 3 installments.
How do I make a claim?
Our claims process couldn’t be simpler. You can either:
  1. Click on the claims button on our website and follow the simple step by step instructions, or
  2. Call our Call Centre on 0709 880 000
How do I track a claim?
Login to your account on our website. All your claims will be listed in your portfolio, click on the claim you want and you will see its status, alternatively, Call our Call Centre on 0709 880 000
How do I pay?
We have 2 payment options to choose from: M-PESA and Credit Card M-PESA • Select “Pay Bill” from the M-PESA menu • Enter Kava business number 580500 • Enter your quote reference number “XXX1234” as the account number • Enter the amount you wish to pay • Enter your M-PESA PIN • Confirm that all details are correct • You will receive a confirmation of the transaction via sms and email CREDIT CARD • Select Credit card payment on our website, you will be taken to the payment page • Select VISA and enter details on the form as requested.
Does Kava also serve corporate customers?
Yes. Kava has a team of business development and underwriting experts that serve corporate customers on an offline system. We are currently working hard to automate some of the processes required to serve corporates so that they can enjoy the convenience of transacting online.
What is KavaRemit?
KavaRemit is a money remittance service that allows you to send money from Kenya to a destination abroad from the comfort of your phone.
How do I send the money to the recipient?
Using Mpesa:
● Go to Mpesa pay Bill – 529603
● Input the account number – in this case it’s the recipient’s phone number starting with the country code. eg: +254, 111,111,111
● Enter the amount you want to send
● Enter you MPESA PIN
● The money will be debited directly to the recipients mobile wallet or bank account
What is the minimum and maximum sending amount?
At the moment, the minimum and maximum amount you can send is 1 sh and 950,000 respectively.
What countries can i send money to?
At the moment KavaRemit can send money to:
• Uganda
• Tanzania
• Burundi
• Rwanda
• Nigeria
• Ghana
• India
More destination countries coming soon
Can someone send money from another country to Kenya?
Unfortunately from now one can only send money from Kenya to the specified countries but they cannot receive money.
What happens in a situation where I have sent the money and I have put the wrong account number and the money does not get to the destination?
In such a situation you will receive a refund in your Mpesa wallet of the amount you sent.
How much is the transaction cost for sending money?
Kindly go to the {insert link}
How will the recipient withdraw the money?
Once they get it in their account or mobile wallet they can withdraw at an agent or if it’s in their bank account they can simply use their ATM card to get their money.
Do I need to visit and agent to send money?
No you do not. One of the advantages of using KavaRemit is that you can send money anywhere at any time. Offers you total convenience!
Who is a Kava Agent?
Kava agent is a financial supermarket providing mobile money banking and many more agencies. Kava agents enjoy automated float management, free float credit and much more.
What are the requirements to becoming a Kava Agent?
To qualify as a Merchant Partner your business must:
● Be a registered business with a Certificate of Incorporation/Registration
● Have been operating the business for a at least 3 years
● Have the ability to double revenue (with support)
● Sign the Kava Merchant Partner Agreement
● Have Internet connectivity (for Services which require internet connectivity).
● Have the space, furniture and trained staff for providing the services
● Have storefront space for Financial Services branding
● Provide 3 months statements for any existing Services being assumed by Kava
What does the onboarding process involve?
Evaluation – We conduct a few business checks to confirm qualification
Sign up – Sign the Kava partner agreement
Set up – You set up the space and assign staff. We do the shop branding and avail Tills and POS’
Deposit – You make the deposit, Kava simultaneously loads the Tills/POS’ with equivalent float
Kickoff – Start transacting and watch your revenues grow!
Start earning – Commissions are credited to your account at the end of each month.
What agencies are available?
At the moment:
● Banking and mobile money
● Utilities and airtime
● Loans insurance, tickets, fees, rent etc
What personal data is used to determine loan offers?
Kava uses many data sources to determine your loan offers, including the data from your phone, M-pesa data, the credit bureaus, and others.
How do you handle my personal information?
Your personal details are confidential and are not disclosed to anybody. Kava and our partners will never sell, rent, or loan any personal information that you give us.
Can I refuse the use of personal data by Kava?
Yes. Kava only considers your personal data when you apply for a loan. If you do not apply for a loan, your personal data is not considered.
Will anyone know I took a Kava loan?
Your loan status is never shared with anyone Kava only notifies the credit bureau that you have taken a loan and defaulted on payment.