# Kimisitu Money — Kimisitu Sacco IOS App > Mobile banking app for managing Sacco accounts, loans, and transfers. (iPhone/iPad app by KIMISITU SACCO SOCIETY LTD.) - Source: https://appshunter.io/ios/app/kimisitu-money/id1566099053 (this page in markdown: same URL + `.md`) - Developer: [KIMISITU SACCO SOCIETY LTD](https://appshunter.io/developer/1566099055) - Category: Finance - Price: Free - Rating: 4.50/5 from 24 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 60 MB - Languages: English - Released: 2021-08-13 - Data updated: 2026-08-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kimisitu-money/id1566099053/reviews.md ## What is Kimisitu Money? a. Withdrawal to MPESA- members can make withdrawal from FOSA account to their MPESA. b. MY Account- members can view details of their FOSA, BOSA, Loan Balance and Savings accounts Loans- When customer selects Loans, they will be taken to a menu with four items namely. Loan Enquiries. Loan requests Loan Application Status Loan repayment Loan Types -: i. Dividend discounting loan • A one-off interest of 7.5 % shall be charged upfront on the loan approved. • The amount applied shall not exceed 60% of the member’s previous year’s interest on deposits (dividends). • A member whose account is arrears/dormant/defaulter will not qualify for the loan through mobile however they can access only through applying online so that the arrears can be recovered from the dividends. • Guarantors whose deposits were offset during the year to reduce a defaulted loan shall qualify for a lesser amount. ii. M-Kimisitu Loan • Interest rate of 5% per month on reducing balance • Repayment period up to a maximum of 5 months • The monthly repayment is deducted from the salary payouts. • Top ups charge: of 2.5% of the Loan balance • Member can access a maximum of Kshs.100,000 or 80% of his member deposit whichever is lower • Interest is charged upfront but recovered monthly • In case of default the loan balance is recovered from member deposit c. Fund Transfer i. When a customer selects Fund transfers, they will be required to select from Swift transfer (RTGS) Electronic Funds Transfer (EFT) ii. The Fund transfer is segregated as follows: a. Internal Transfer • My Account – Member should be able to transfer to any savings account they have including shares. • Other Account – member can transfer to other members savings account internally. b. External – Member should see list of banks and enter beneficiary bank details. • Member should be able to select beneficiary. d. Deposits When a customer selects Deposits, the Applications displays accounts options for the customer to deposit to • FOSA • Savings Account • LUMPSUM • e. PAYBILL - Customers have an option to pay using Pay bill functionality. f. Change Password functionality-members can change their respective passwords. g. Logout functionality-members have an option of logging out once they are done with using the App. ## Key features - Withdrawal to MPESA - View account details (FOSA, BOSA, Loans, Savings) - Loan inquiries, requests, status, and repayment - Apply for Dividend Discounting and M-Kimisitu Loans - Internal and external fund transfers - Deposit to FOSA, Savings, and Lumpsum accounts - Paybill functionality ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/kimisitu-money/id1566099053/reviews.md ### 2/5 — T *2024-05-25* The app seems to be dropping connection when doing a transfer and you are waiting for confirmation window to pop up so that you can enter the authentication code. The window doesn’t show up and one has to keep trying ### 1/5 — Doesn’t work on iPhone *2022-09-28* The lack of customer service notwithstanding, and no responses to emails, it seems the app is not supported on iPhone according to their well hidden help page. ## Frequently asked questions about Kimisitu Money ### What can I do with Kimisitu Money? Kimisitu Money allows you to withdraw funds to MPESA, view your FOSA, BOSA, loan, and savings account balances, apply for various loan types like Dividend Discounting and M-Kimisitu loans, transfer funds internally and externally, make deposits, and use the paybill functionality. ### How do I apply for a Dividend Discounting loan with Kimisitu Money? To apply for a Dividend Discounting loan, your account must not be in arrears or dormant. The loan amount cannot exceed 60% of your previous year's interest on deposits, and a 7.5% upfront interest is charged. Guarantors whose deposits were offset may qualify for a lesser amount. ### What are the terms for an M-Kimisitu Loan? The M-Kimisitu Loan has a 5% monthly interest rate on the reducing balance, with a repayment period of up to 5 months. Monthly repayments are deducted from your salary. A top-up charge of 2.5% of the loan balance applies, and you can access up to Kshs.100,000 or 80% of your member deposit, whichever is lower. ### Can I transfer money to other members using Kimisitu Money? Yes, you can perform internal transfers to other Kimisitu Sacco members' savings accounts. The app also supports external transfers where you can select beneficiaries and enter their bank details. ### Is Kimisitu Money secure? While specific security features are not detailed, the app includes a 'Change Password' functionality, suggesting measures to protect user accounts. As a finance app, it is expected to adhere to industry-standard security protocols. ### What devices support Kimisitu Money? Kimisitu Money is available for iPhone, iPad, and iPod devices. It is designed for iOS users who are members of Kimisitu Sacco. ### How often is Kimisitu Money updated? The app was last updated on August 7, 2025, indicating recent development and support. The latest version is 73, suggesting regular maintenance and feature additions. ### What is the user rating for Kimisitu Money? Kimisitu Money has a strong user rating of 4.6 stars based on 19 ratings. This indicates a generally positive user experience with the app's functionalities. ## Version history (last 5 releases) ### 76 — 2026-06-24 Provides minor bug fix for no source account when transacting. ### 75 — 2026-06-19 New in app banner outlining new products offered by the Sacco. ### 74 — 2025-09-08 Provides fix for navigation bug in mpesa deposit menus ### 73 — 2025-08-07 Provides fix for navigation bug in FOSA transactions menu ### 72 — 2025-07-22 Provides update for restricted services ## Apps similar to Kimisitu Money | App | Rating | Price | Category | | --- | --- | --- | --- | | [DhowCSD](https://appshunter.io/ios/app/dhowcsd/id6444705699) | 3.6 (7) | Free | Finance | | [Cytonn](https://appshunter.io/ios/app/cytonn/id1411423248) | 4.6 (29) | Free | Finance | | [M-Tawi](https://appshunter.io/ios/app/m-tawi/id1531661968) | — | Free | Finance | | [LOOP - Discover, Pay, Grow](https://appshunter.io/ios/app/loop-discover-pay-grow/id6443552741) | 2.5 (22) | Free | Finance | | [Malipo Circles](https://appshunter.io/ios/app/malipo-circles/id1545870901) | 5.0 (1) | Free | Finance | | [Creditbank IB Soft Token](https://appshunter.io/ios/app/creditbank-ib-soft-token/id1531579782) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*