---
title: "Kimisitu Money - Reviews, Revenue and Downloads in Kenya | Apple App Store"
description: "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 custome"
---

# Kimisitu Money — Kenya
> Kimisitu Sacco IOS App

![Kimisitu Money App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/5c/15/9d/5c159d07-8890-e020-3281-dac56bb5aad6/AppIcon-0-0-1x_U007emarketing-0-8-0-P3-85-220.png/434x0w.png)

**Developer:** [KIMISITU SACCO SOCIETY](https://apptail.io/developer/kimisitu-sacco-society-XeXd) (Kenya)
**Category:** Finance
**Rating:** 4.6/5 (376 ratings)
**Price:** Free
**Bundle ID:** nls.BankingSol.KimisituApp
**Store:** Apple App Store
**Country:** Kenya
**Version:** 76 (released 2026-06-24)
**Original Release:** 2021-08-13
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ke/app/app/id1566099053)
**AppTail Page:** [https://apptail.io/app/kimisitu-money-JzPb/kenya](https://apptail.io/app/kimisitu-money-JzPb/kenya)

## Kimisitu Money Description
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.

## Kimisitu Money Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7f/8b/7b/7f8b7b60-bf21-eca4-d6d4-063b82785d86/file_U00289_U0029.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/44/88/65/448865e1-bc2d-f97a-1d8f-665be288db45/file_U00282_U0029_U00281_U0029.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/87/14/a4/8714a470-17d7-2175-e5cb-11b851a9ffe0/1000011348.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7d/6b/40/7d6b4048-6df0-3602-2ca2-401189fece1a/1000011347.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a9/19/54/a9195493-fcfd-c8ec-4c70-c455316d1e74/1000011346.jpg/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e2/9e/72/e29e72aa-a456-9ebf-14fa-d62761724b02/1000011343.jpg/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/00/40/1b/00401bc2-7f41-1df0-c142-2bc58b7ad915/1000011344.jpg/1242x2688.png)

## Kimisitu Money Rating Breakdown in Kenya
- 5 stars: 315 (84%)
- 4 stars: 25 (7%)
- 3 stars: 7 (2%)
- 2 stars: 9 (2%)
- 1 stars: 20 (5%)

## Kimisitu Money Reviews in Kenya

### *---- "Services and feedback"
Poor service and feedback process…I want to withdraw from this SACCO actually not advisable
-- Leolrol, 2025-06-05

### ***** "Good"
i like the app
-- Goldfishkenya, 2025-01-14

### *---- "Fosa to mpesa"
Transferring money from mpesa to other mpesa number is very challenging
-- Deekwambs, 2024-06-18

### ***** "User interface"
Excellence user interface
-- Mkurugenzi1, 2024-05-21

### *---- "Mobile App"
The app is not user friendly. I can’t transact on the app and in my understanding that was the main purpose of the app.
-- Keemaru, 2024-04-29

### *---- "App that is not usable"
I don’t see the reason the app exists if it does not work. I can’t make any transfer from the app. 

I cant even check my FOSA balance. Checking balance prompts me the charges are 0.00 but checking the fosa ministatement when using USSD I see I have been charged 10 shillings. 

Also, the balance amounts are not the same on web and on the app. Holiday savings here. This is very confusing. 

The session keeps expiring in no time.

You guys can get quality assurance to test the app or remove it from the appstore
-- vundi848484, 2023-05-05

### *---- "Frustrated"
Transferring money to mpesa is a nightmare at times. I haven’t been able to transfer money while I need it urgently.
-- jenndulu, 2023-03-21

### *---- "Not user friendly"
I have struggled with this app, I can't consistently see my balance, get mini statements, and frankly it has very little functionality. 

I prefer old school sending members monthly statements rather than using this app. I can't see any useful bug fixes for iPhone ...
-- Afro Story fan, 2022-07-19

[View all Kimisitu Money reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)




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## Kimisitu Money Available In
- [Kenya](https://apptail.io/app/kimisitu-money-JzPb/kenya)
- [United States](https://apptail.io/app/kimisitu-money-JzPb/united-states)
- [France](https://apptail.io/app/kimisitu-money-JzPb/france)
- [United Arab Emirates](https://apptail.io/app/kimisitu-money-JzPb/united-arab-emirates)
- [South Africa](https://apptail.io/app/kimisitu-money-JzPb/south-africa)
- [United Kingdom](https://apptail.io/app/kimisitu-money-JzPb/united-kingdom)
- [Australia](https://apptail.io/app/kimisitu-money-JzPb/australia)
- [Switzerland](https://apptail.io/app/kimisitu-money-JzPb/switzerland)
- [Chile](https://apptail.io/app/kimisitu-money-JzPb/chile)
- [China](https://apptail.io/app/kimisitu-money-JzPb/china)
- [Colombia](https://apptail.io/app/kimisitu-money-JzPb/colombia)
- [Czechia](https://apptail.io/app/kimisitu-money-JzPb/czechia)
- [Germany](https://apptail.io/app/kimisitu-money-JzPb/germany)
- [Denmark](https://apptail.io/app/kimisitu-money-JzPb/denmark)
- [Dominican Republic](https://apptail.io/app/kimisitu-money-JzPb/dominican-republic)
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- [Hong Kong SAR China](https://apptail.io/app/kimisitu-money-JzPb/hong-kong)
- [Hungary](https://apptail.io/app/kimisitu-money-JzPb/hungary)
- [Indonesia](https://apptail.io/app/kimisitu-money-JzPb/indonesia)
- [Ireland](https://apptail.io/app/kimisitu-money-JzPb/ireland)
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- [India](https://apptail.io/app/kimisitu-money-JzPb/india)
- [Italy](https://apptail.io/app/kimisitu-money-JzPb/italy)
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- [North Macedonia](https://apptail.io/app/kimisitu-money-JzPb/north-macedonia)
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- [Nigeria](https://apptail.io/app/kimisitu-money-JzPb/nigeria)
- [Netherlands](https://apptail.io/app/kimisitu-money-JzPb/netherlands)
- [Norway](https://apptail.io/app/kimisitu-money-JzPb/norway)
- [New Zealand](https://apptail.io/app/kimisitu-money-JzPb/new-zealand)
- [Peru](https://apptail.io/app/kimisitu-money-JzPb/peru)
- [Philippines](https://apptail.io/app/kimisitu-money-JzPb/philippines)
- [Pakistan](https://apptail.io/app/kimisitu-money-JzPb/pakistan)
- [Poland](https://apptail.io/app/kimisitu-money-JzPb/poland)
- [Portugal](https://apptail.io/app/kimisitu-money-JzPb/portugal)
- [Romania](https://apptail.io/app/kimisitu-money-JzPb/romania)
- [Russia](https://apptail.io/app/kimisitu-money-JzPb/russia)
- [Singapore](https://apptail.io/app/kimisitu-money-JzPb/singapore)
- [Thailand](https://apptail.io/app/kimisitu-money-JzPb/thailand)
- [Taiwan](https://apptail.io/app/kimisitu-money-JzPb/taiwan)
- [Ukraine](https://apptail.io/app/kimisitu-money-JzPb/ukraine)
- [Vietnam](https://apptail.io/app/kimisitu-money-JzPb/vietnam)
- [Saudi Arabia](https://apptail.io/app/kimisitu-money-JzPb/saudi-arabia)
- [Argentina](https://apptail.io/app/kimisitu-money-JzPb/argentina)
- [Austria](https://apptail.io/app/kimisitu-money-JzPb/austria)
- [Azerbaijan](https://apptail.io/app/kimisitu-money-JzPb/azerbaijan)
- [Belgium](https://apptail.io/app/kimisitu-money-JzPb/belgium)
- [Belarus](https://apptail.io/app/kimisitu-money-JzPb/belarus)
- [Canada](https://apptail.io/app/kimisitu-money-JzPb/canada)

---

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