# Mfukoni – SBM Bank

> Mobile banking app for managing SBM Bank accounts, transactions, and payments. (iPhone/iPad app by SBM BANK KENYA LIMITED.)

- Source: https://appshunter.io/ios/app/mfukoni-sbm-bank/id777582673 (this page in markdown: same URL + `.md`)
- Developer: [SBM BANK KENYA LIMITED](https://appshunter.io/developer/1433524993)
- Category: Finance
- Price: Free
- Rating: 2.80/5 from 12 App Store ratings · 8 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 92 MB
- Languages: American English
- Released: 2014-01-09
- Data updated: 2026-08-21
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/mfukoni-sbm-bank/id777582673/reviews.md

## What is Mfukoni?

Banking made simpler through Mfukoni. You can do your banking from anywhere and anytime right from your Apple device. To get started, download the Mfukoni App and enroll by self-registration.
With the newly upgraded version of Mfukoni, you can now experience the following;
Easier layout and navigation
Simple navigation between accounts
Automatic display of last 5 transactions for the selected account
Shortcut menus for most commonly used services e.g. MPESA, Paybill, Buy Airtime
Easy navigation by scrolling right/left and up/down
Personalization
By adding your photo
By setting a theme (from three available themes)
Recommending the application to a friend
Convenience by,
Being able to pick contacts from your phonebook (for MPESA and airtime transactions)
By easily resetting and changing your PIN
By being able to request for products and services directly e.g. additional bank accounts

Other functionalities include:
Manage Your Account
View account balances and transaction history
Perform Transactions
Pay bills – DSTV, GoTV, Kenya Power, Zuku, JTL, KRA Tax Payment
Money Transfer between SBM Bank Kenya accounts and other Bank accounts
Deposit SBM Bank Kenya Cheques
Send and deposit money to and from MPESA
Purchase Airtime from Safaricom, Airtel and Orange
Locate SBM
Locate the nearest SBM Bank Kenya branches and ATMs
 
Notes on Permissions:
Location permissions are needed to determine your current location in order to find SBM Bank Kenya branches and ATMs near you.
Read Contact permissions are needed to access your contacts to send money via Mfukoni
Camera permissions are needed to deposit checks via Mfukoni.
Photo/Media/Files permissions are needed to pick profile pictures.
 
Disclosure:
Some features are available for eligible customers and accounts only.
There is no charge for downloading Mfukoni, but data rates may apply.
Delivery of account alerts may be delayed for various reasons, including service outages affecting your mobile device, wireless or internet provider; technology failures; and system capacity limitations.

## Key features

- Account balance and transaction history
- Bill payments (DSTV, KRA, etc.)
- Money transfers (SBM and other banks)
- MPESA integration
- Cheque deposit
- Airtime purchase
- Branch and ATM locator

## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/mfukoni-sbm-bank/id777582673/reviews.md

### 1/5 — Mpesa not working

*2020-12-08, version 1.21*

I have been waiting months to get this app to work in the UK. I now have it but the Mpesa function doesn’t work!! I am getting tired of being shut out like this.

### 1/5 — Horrendous app

*2020-08-12, version 1.20*

Avoid this app and this bank at all costs

### 1/5 — Always down

*2020-08-11, version 1.20*

This app has been down more than up, with no communication as to when it will be resolved . As a diaspora member , we are lost with zero access to accounts.

### 2/5 — Not recommended

*2017-11-20*

The app is generally clunky to use, constantly timing out and logging out prematurely. MPESA has been down for the last two weeks. Much improvement needed

### 1/5 — Messy interface

*2015-09-09, version 1.0*

The worst interface I've ever seen. Very poor, chase bank should improve ASAP!

### 5/5 — Superb app

*2014-07-26, version 1.0*

Had a nice ui. Njoyed and saved lot of time having every option in my pocket. Simply apptastic.

### 5/5 — Jonathan

*2014-02-12, version 1.0*

Absolutely brilliant app. Makes banking so easy and really comfortable. As well Kudos to chase bank, response time is absolutely great. Works like a charm!!!

### 5/5 — Chase

*2014-01-13, version 1.0*

good app for banking

## Frequently asked questions about Mfukoni

### What can I do with Mfukoni?

Mfukoni allows you to view account balances and transaction history, pay bills, transfer money between accounts, deposit cheques, send money to and from MPESA, and purchase airtime. You can also locate SBM Bank branches and ATMs.

### Is Mfukoni free to download?

Yes, there is no charge for downloading Mfukoni. However, standard data rates from your mobile provider may apply when using the app.

### What devices does Mfukoni support?

Mfukoni is available for Apple devices, specifically iPhones, iPads, and iPods.

### How secure is Mfukoni?

The app requires location permissions to find nearby branches and ATMs, and read contact permissions to facilitate sending money via Mfukoni. Camera permissions are used for cheque deposits, and photo permissions for profile pictures.

### Can I personalize my Mfukoni experience?

Yes, you can personalize your Mfukoni experience by adding your photo and selecting from three available themes. The app also features an easier layout and navigation with shortcut menus for common services.

### How often is Mfukoni updated?

The latest version of Mfukoni is 1.44, which was last updated on March 17, 2026. Updates typically include improvements to layout, navigation, and new functionalities.

### What are the user reviews for Mfukoni?

Mfukoni has a rating of 2.8 stars based on 12 ratings. This suggests a mixed user reception, with some users experiencing issues or finding certain aspects less satisfactory.

### Does Mfukoni have ads?

No, Mfukoni does not contain advertisements. The app is free to download and use without any ad interruptions.

## Version history (last 5 releases)

### 1.44 — 2026-03-17

-Busara: Banking for the whole family, parents and children. Empowering children with financial literacy, money management, goal savings and earning through parent’s assigned tasks.
-Loyalty: Shop with SBM Card and Earn points, extensive options to spend the points.
-Lipa Na Bank: Pay Merchant through Pesalink.
-Instant open GBP & EUR Platinum savers
-User experience improvements and security enhancements

### 1.43 — 2025-10-04

Enjoy Delightful, Secured and Convenient mobile banking experience with our newly upgraded Mfukoni app. 

New Features:
-Card services management: Credit & Debit
-ISO 20022 enhancements

Bugs fixes and user experience improvements.

### 1.42 — 2025-09-04

-Dormant accounts self-reactivation
-Security enhancements
-Improved user experiences
-Forex Rates
-Bug fixes

### 1.41 — 2025-07-25

New feature -Card Self-Services, empowering customers with full control over their SBM Multicurrency Prepaid card.
 
You can now;
Activate New cards
Set PIN
Reset PIN 
Control transaction limits
View balances and statements
Load cards via M-Pesa
Transfer funds to accounts, prepaid cards, and mobile wallets.
 Block or deactivate cards instantly across POS, ATM, online, and international channels

### 1.40 — 2025-03-10

Security enhancements, bug fixes and introduction of instant Pay Day Salary Advance
Instantly access upto 50% of your monthly net salary on Mfukoni and enjoy convenience whenever you need an advance to meet your needs

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## More apps by SBM BANK KENYA LIMITED

- [Busara - SBM Bank](https://appshunter.io/ios/app/busara-sbm-bank/id6761011056)

All apps by SBM BANK KENYA LIMITED: https://appshunter.io/developer/1433524993

## Related topics

[sbm bank](https://appshunter.io/ios/topics/sbm-bank)

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*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.*