Open an account in 3 minutes or less

Simplify your personal finances. Better Banking for all

Paya lets you open a bank account in minutes and send money to anyone in seconds. Pay bills, make purchases, and transfer money with the Paya app. Better banking for all!

Let’s grow your finances, together

How we can help you!

At Paya, we offer a wide range of financial services to help you manage your money and achieve your financial goals.


Create a bank account in minutes from your phone, and link funds from your M-Pesa

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Transfer money to your M-Pesa in seconds! And Pay Bills directly from the app

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Paya will offer low interest financing options on everyday items for those who qualify. Sign up to apply for a loan today!

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What we have!

Paya Accounts!

Open an account today, and unlock the power of your money.


Wallet Account

Send and receive money anywhere

  • Transactions up to Ksh 100,000
  • Hold up to Ksh 250,000
  • Provide basic personal info to open
  • No fees
Open Account
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Checking Account

Upgrade features from your wallet account

  • Paya let’s you earn up to 4% APR
  • No minimum transaction amounts
  • No maximum balances
  • No fees
Open Account
Paya Features

Features for our app

With Paya, deposit money and make payments instantly.

Sign up

Open a Paya wallet account in 3 minutes


Manage all of your finances from your mobile app including direct deposits, payments and bill/till pay.

Instant Transactions

Send money to other accounts or M-Pesa instantly. Or even pay merchants directly from Paya.

Reliability of a Bank

Feel safe knowing your money is secure with a real bank that is regulated by the Central Bank of Kenya.

Client Testimonial

See What our Customers Say

Built for people who want access to reliable banking services, with quick and easy mobile access any time, any where.

Review By Paya Customer

28 jan, 2023 10:25 AM

Build The App That Everyone Love.

The Buy Now, Pay Later financing options for online purchases is something I’ve been wanting for a long time.

Review By Paya Customer

29 jan, 2021 10:25 AM

Easy and prefect solution

This truly is the best way for me to manage all my finances in one place.

Unlock Better Banking

Paya is a financial technology company that was established on the idea that traditional banking services need to be beneficial, simple, and free and accessible to everyone .