# QonaPay

> Mobile banking app for Sacco services, fund transfers, loans, and bill payments. (iPhone/iPad app by Safaricom Sacco.)

- Source: https://appshunter.io/ios/app/qonapay/id1528734159 (this page in markdown: same URL + `.md`)
- Developer: [Safaricom Sacco](https://appshunter.io/developer/1528734161)
- Category: Business, Finance
- Price: Free
- Rating: 4.10/5 from 9 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 82 MB
- Languages: American English
- Released: 2020-08-27
- Data updated: 2026-07-05
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/qonapay/id1528734159/reviews.md

## What is QonaPay?

Anywhere anytime banking with SafCIRI App from Safaricom Sacco Limited

With SafCIRI App you can access Sacco services (BOSA and FOSA) from your ios device, providing you with unlimited access to all the services virtually. There is much more you can do with the SafCIRI App.

Features of SafCIRI
Mobile Money – Send Money from your FOSA (Salary Savings Account) to MPESA, Airtel Money, T-kash.
External Funds Transfer – Send Money from your FOSA (Salary Savings Account) to any of the IPSL listed banks.
Internal Funds Transfer – Transfer Money to any of your Sacco or other members Sacco Account.
Account Balance –Check balances on any of your Sacco accounts and download statements for each for s defined date range period.
Airtime Purchase – Buy Safaricom, Airtel or Telkom airtime at your convenience.
Utility Bills – Conveniently pay for utility bills to DSTV, GoTV, Kenya Power (Post-paid and Prepaid), Zuku Triple Play, Zuku Satellite, Zuku Phone, Nairobi Water and Starttimes.
Loan Application – Apply for instant mobile loans
Loan Repayments – Pay any of your Loans from FOSA or MPESA directly from the App
Manage Standing Orders – Initiate and stop standing orders at your convenience
Guarantor Management – Approve Guarantor ship requests conveniently from your SafCIRI App.


There is far much more you can do with the SafCIRI App than you think.
Safaricom Sacco, Empowering You!

## Key features

- Mobile Money transfers
- External and Internal Funds Transfer
- Account balance and statement download
- Airtime and Utility Bill payments
- Loan application and repayment
- Manage Standing Orders
- Guarantor Management

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/qonapay/id1528734159/reviews.md

### 1/5 — Very poor quality

*2025-06-09, version 3.5*

So many services displayed most of which don’t work. This used to be a progressive Sacco but they have put almost no effort into developing the app to serve its members.

### 5/5 — Dr. Obel

*2021-08-10*

Excellent App!! Well done Safaricom SACCO!!!

### 4/5 — Three words

*2020-12-03, version 1.1*

Fast and reliable!!

## Frequently asked questions about QonaPay

### What banking services does QonaPay offer?

QonaPay provides access to Sacco services including BOSA and FOSA. Users can check account balances, download statements, transfer funds internally and externally, apply for and repay loans, purchase airtime, pay utility bills, and manage standing orders.

### Can I transfer money to other mobile money services using QonaPay?

Yes, QonaPay allows you to send money from your FOSA account to MPESA, Airtel Money, and T-kash.

### How can I apply for a loan through QonaPay?

QonaPay enables users to apply for instant mobile loans directly through the app. Loan repayments can also be made from FOSA or MPESA.

### What utility bills can I pay with QonaPay?

You can conveniently pay bills for DSTV, GoTV, Kenya Power (Post-paid and Prepaid), Zuku Triple Play, Zuku Satellite, Zuku Phone, Nairobi Water, and Starttimes.

### Is QonaPay available on all devices?

QonaPay is available for iOS devices, specifically iPhones and iPads.

### How often is QonaPay updated?

The latest version of QonaPay is 3.8, and it was last updated on November 27, 2025. Updates typically bring new features and improvements.

### What is the user rating for QonaPay?

QonaPay has a rating of 4.1 stars based on 9 user ratings.

### Does QonaPay have ads?

No, QonaPay does not contain advertisements.

## Version history (last 5 releases)

### 3.8 — 2025-11-27

- Improved user experience 
- Bug fixes

### 3.7 — 2025-11-04

- Improved user experience
- Bugfixes

### 3.6 — 2025-08-28

- Improved user experience
- BugFixes

### 3.5 — 2025-01-30

-Improved User experience 
-BugFixes

### 3.4 — 2025-01-14

- Improved user experience 
- Bug fixes

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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 2026-07-05.*