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How to deposit or withdraw money from your NIC Bank account to MPESA using a phone

Tuvuti Editorial Team
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How to deposit or withdraw money from your NIC Bank account to MPESA using a phone

NIC Bank has a USSD service that allows customers to easily move funds from their accounts to MPESA and also make some common transactions such as purchasing airtime for their mobile phones. Unlike a mobile app option which is also available to NIC bank customers who need it, USSD is most preferred since you don’t necessarily need to have a smartphone or access to the internet to perform common transactions on your mobile phone.

Requirements to use NIC Bank’s USSD service on your phone

As is expected, you’ll need to meet some criteria to access the mobile banking service on your mobile phone. For a start, you’ll need to be a customer at the bank and have either a Safaricom or Airtel SIM card. And phone with an active Safaricom or Airtel SIM card would be the best place to begin assuming you already have an account with the bank.

Additionally, you’ll need to register for the service by filling out an application form available at any of their many branches and subscribing to the service. Because of the security nature associated with the service, you’ll not be automatically opted into unless an application is submitted requesting for the service.

USSD Efficiency

We always love the efficiency nature associated with USSD codes, you don’t need a smartphone or access to the internet as is the case with an app, in any case the transaction costs are way low, mostly similar to the normal way you’ll be charged for sending a text message.

How to withdraw money from NIC Bank to your MPESA

  • On your phone, dial *488#
  • Then proceed to enter your PIN
  • Continue with prompts to withdraw cash from your account to MPESA
  • Enter the amount you wish to transfer
  • You’ll be presented with the total amount including transaction costs
  • Confirm the transaction

How to deposit money from MPESA to your NIC account

  • On your MPESA Menu, tap on “Lipa na Mpesa”
  • Then select “Pay Bill” option
  • Enter NIC Bank’s MPESA Business number: 488488
  • Type in your NIC account number under “account”
  • Enter the total amount you wish to deposit, then press send
  • Enter your MPESA PIN and confirm the transaction

Foreign tech companies now required to relinquish 30 percent stake to operate in Kenya

Tuvuti Editorial Team
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Foreign tech companies now required to relinquish 30 percent stake to operate in Kenya

Much like other countries such as India that require foreign companies to first relinquish a percentage of ownership to locals before setting up shop in the country, Kenya has published guidelines requiring overseas ICT companies to give-up 30 percent of ownership to Kenyans to operate in the country. This comes after the National Information Communication and Technology Public Policy published Guidelines of 2020.

This effectively mean that overseas tech companies will have to give-up a 30 percent stake in ownership to Kenyans before being allowed to set shop in the country. Current companies will have up to three years to comply with the new regulations subject to a one-year extension by the ICT cabinet secretary upon request.

In a gazette notice issued by the concerned Kenyan regulatory body, only companies with at least 30 percent substantive Kenyan ownership, either corporate or individual, will be licensed to provide ICT services. For purposes of this rule, ICT companies without a majority Kenyan ownership will not be considered Kenyan, and may thus not be calculated as part of the 30 percent Kenyan ownership calculus.

The latest move is regarded as one of the countries push to grow the ICT sector by encouraging equal participation by Kenyans. The new guidelines will also expect the government ICT procurement processes to give preference to local ICT companies in the award of tenders, including in sectors like security and defense. Additionally, in case no local businesses cannot fulfill tender requirements, foreign companies will have to transfer skills to local firms.

Safaricom raises minimum amount you can borrow from M-Shwari to Ksh. 2000

Tuvuti Editorial Team
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Safaricom raises minimum amount you can borrow from M-Shwari to Ksh. 2000

M-Shwari – a mobile lending service from NCBA that’s available on Safaricom’s MPESA service will now require customers to borrow a minimum of Ksh. 2000, otherwise your loan request will be completed as an overdraft through Fuliza service. This is an effective increase of four times from the previous minimum. It’s also seen as a technical move from defaults below the amount which according to CBK’s regulations, will not be forwarded to credit reference bureaus.

Up until now, borrowers were able to access loans from Ksh. 500 via M-Shwari. Due to tough economic times which have forced many Kenyans to default their loans, CBK issued new directives exempting anyone defaulting loans from April this year to be listed with credit reference bureaus.

In addition, borrowers who default on loans less than Ksh. 1000 will no longer be listed with credit bureaus, and those who had been listed are to be expunged from their records. Consequently, M-shwari somehow is looking to only offer loans which can be forwarded bureaus in case of defaulters.

Customers who require lesser amounts will now be forced to take Fuliza overdraft which is way more expensive than M-Shwari at a 1.083 percent or 395.2 percent annually. In real life comparison, if you borrowed Ksh. 1000 via M-Shwari, you’d have only paid Ksh. 56.25 while on Fuliza is Ksh. 243.68.

How to deposit or withdraw money from your standard chartered account using MPESA

Tuvuti Editorial Team
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How to deposit or withdraw money from your standard chartered account using MPESA

With zero transactions fees thanks to CBK’s intervention, moving your cash between banks and mobile money services such as MPESA has never been easy. You can easily deposit cash into your bank account from MPESA as well as withdraw money from your bank account to MPESA wallet. MPESA has become more than a household name here in Kenya, and it’ll be impractical to imagine you could live without it since most service providers now only accepts MPESA transactions to avoid handling cash.

In our earlier editorials, we highlighted how you could move cash between MPESA and various banks such as Postbank, Co-operative bank and even GtBank. We’re also adding how you can send money to someone’s Standard Chartered bank account or even deposit in your own account and how to withdraw to MPESA.

How to deposit money from MPESA to your Standard Chartered bank account;

  • On your phone, open MPESA menu and choose “Lipa na Mpesa”
  • Choose “Pay Bill”
  • Then enter Standard Chartered bank’s MPESA business number: 329329
  • Under account number, enter your StanChart Bank account number
  • Input amount
  • Confirm by entering your MPESA PIN

How to withdraw money from your StanChart bank account to MPESA

  • Make sure you have StanChart phone app installed on your phone
  • Login to the App
  • Then tap on “Payments” followed by either “Pay to Saved Biller” or “One Time Bill Payment”
  • If doing One Time Bill Payment tap on “Mobile Money” followed by “Mpesa”
  • Enter recipients MPESA number
  • Choose account you want to transfer from
  • Input amount and description then proceed
  • Confirm the details and continue
  • Input OTP and confirm

Xiaomi’s Mi 20w smart tracking charging pad lets you charge up to two devices wirelessly

Tuvuti Editorial Team
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Xiaomi’s Mi 20w smart tracking charging pad lets you charge up to two devices wirelessly

Xiaomi just unveiled its version of Apple’s defunct Airpower that never came to production – dubbed Mi 20w smart tracking charging pad. The name is a bit confusing but really means whatever it says, just in a different way. And from the features, its one of those accessories that you never thought you needed until you used one.

There were several reasons given by Apple for abandoning their version of wireless charging accessory with lots of references to its standards and so on, but looks like Xiaomi just came up with something that really works, and we’re excited to actually buy one for actual use.

Honestly, I’m at a point where I’ll jump onto anything that says wireless charging and isn’t from some crap Chinese company, I’ve had it enough from substandard wireless chargers that often experience overheating and charges way slower than what my patience can keep up with.

Xiaomi’s Mi Smart Tracking Charging Pad, is said to charge up to two devices simultaneously and you don’t have to place them at specific angles for them to charge – hence the name smart tracking. It’s interesting to be able to charge two different items simultaneously with a single wireless charger. Say you have a smart watch that needs to be recharged and your phone battery is almost going off, the pad will allow you recharge both of them simultaneously.

How the Mi 20w smart tracking charging pad works;

Place your devices anywhere on the pad and it’ll automatically identify where you’ve put them and start charging immediately. That pad can also charge up to two devices concurrently; just put your devices anywhere and the charging icon should show up almost immediately.The pad costs around USD 72 which comes to about Ksh. 8,000. While we’re eager to see the pad in action, there’s still no word on when it’ll launch here in Kenya and if at all it will.

How to send money from your MPESA account to any phone number on a different network

Tuvuti Editorial Team
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How to send money from your MPESA account to any phone number on a different network

Have you ever known there’s a hidden nifty feature that allows Safaricom customers with an MPESA account to send money to any phone number even on a different network? The service which tries to enable mobile money interoperability in the country aiming to allow MPESA users to send money to anyone even those on a different network. MPESA currently has a massive customer base and unfortunately other mobile service providers such as Telkom and Airtel haven’t managed to crack in its popularity.

While Safaricom’s MPESA service remains widely adopted and the best in its category, unfortunately other services haven’t been so popular from the mobile service provider. This has either forced subscribers to have more than one sim cards from different network providers so they could enjoy popular services from let’s say MPESA, Airtel’s international calling rates and Telkom’s data bundles.

Unfortunately, this has forced some of us to have more than a single handset or those with double sim card support. These workarounds work in most times but they are not the best cost-effective measures you should be thinking about. Turns out, if you don’t have a Safaricom number, you can still receive MPESA transactions with a little tweak on it.

How to send money from MPESA to a number on a different network

First, the sender has to use the USSD code method instead of the MPESA menu, it’s a little tedious but proven to work just fine.

  • On your Safaricom phone, Dial *234#
  • Select Option “1” dubbed “M-pesa Products”.
  • Choose option “98” for more items
  • Then select option number “8” titled “M-pesa Tuma Popote”.
  • Enter the recipients mobile phone number
  • Confirm recipient’s name
  • Enter MPESA PIN to confirm the transaction.

How to withdraw money send from MPESA on a different network

If you’ve received an MPESA transaction but you’re not a registered MPESA user, you can withdraw the amount by following below simple steps within 7 days. However, if you’ve received the amount through mobile money interoperability feature, the amount reflects directly in your respective mobile money account such as T-Kash or Airtel Money and you can withdraw from your respective agent.

  • Just present the transaction message to any MPESA agent with your identification document like the National ID or passport
  • Once the agent authenticates the transaction, you should be issued with the amount.

Vivo expected to unveil Y30 with an Ultra O-Screen, 5,000mAh battery in Kenya

Tuvuti Editorial Team
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Vivo expected to unveil Y30 with an Ultra O-Screen, 5,000mAh battery in Kenya

Just weeks after unveiling it’s much hyped Vivo V19 model, the company is set to unveil yet another device in the Kenyan market. This fallows a successful launch of the V19 that saw the entire Kenyan celebrity crew popularize the handset which offers handy specs on a budget price tag.  The Vivo Y30 is more of budget-oriented device with midrange specifications such as an IPS LCD panel instead of an AMOLED we saw on the V19.

Unlike the V19 which packs a 4500mAh battery, the Vivo Y30 bumps the battery a notch higher to 5,000mAh and is therefore expected to perform a tad better than its superior sibling. Additionally, while the V19 offered a range of options to choose from in terms of the internal storage and RAM, the Y30 maxes out at 128GB internal and 4GB of system RAM.

On the front panel, we’re also getting a single selfie camera instead of two as the older sibling and the fingerprint now sits right at the back of the phone for those of us who care about its placement. Design-wise, there’s quite a lot of similarities between the two devices and just from the outside, you’ll easily relate to the older sibling.

Speaking on the imminent launch in the country, Mr. Arthur Xian, vivo Kenya CEO highlighted the company’s efforts to make top-notch smartphones that will usher smartphone enthusiasts into an era of endless possibilities on mobile devices and exceptional photography experiences.

Mr Arthur further noted, the flexible display and design market was growing fast in 2020 and the technology is expected to expand further and diverse. He continued saying that Vivo’s goal was to dominate in the flexible display market by introducing new products with enhanced performance and differentiated designs at an affordable price.

Vivo Y30 which is expected to debut in Kenya in a weeks’ time, packs a Full-Screen display with a 6.47-inch HD+ 720×1560 pixels screen accounting for 82.9 per cent screen-to-body ratio. It’ll also come with 4GB RAM + 128GB storage. 

WhatsApp could soon allow users to sync chats between iOS and android on multiple devices

Tuvuti Editorial Team
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WhatsApp could soon allow users to sync chats between iOS and android on multiple devices

If you’ve used WhatsApp for a while and at some point switched from android to iOS or vice versa, then you are aware of just how inconvenience it is especially losing all of your previous chat history. WhatsApp is apparently looking to address that problem with support for cross platform integration. According to wabetainfo.com, the new feature will enable users to have the same account across different devices at the same time effectively allowing seamless synchronization of chats between various platforms.

Looking at other messaging applications, WhatsApp has particularly lagged behind in cross-platform support capability that forced users between remaining on current platforms or switching and eventually losing their previous chats. It has been amongst the most requested features from the platform users and it’ll be definitely something to see the feature eventually implemented.

Currently, it’s not possible to have the same WhatsApp account on multiple devices, once you’ve activated on a new device, the old device consequently stops syncing your chats. While its possible to backup chats on Google drive and even on your device’s internal storage, you can’t restore those backups to different platforms. Chats on iOS can only be restored on iOS while android backups can only be restored on android devices.

wabetainfo.com reports that Facebook which owns WhatsApp is working to have the feature support the same account on up to 4 devices at the same time. once a user decides to activate WhatsApp on an additional device, they’ll be prompted to connect to a WiFi network that’ll then enable copying of chat history from the first device as this will involve huge amounts of data transfer.

After the process has completed and all chats copied on the new device, it’ll then be possible to your account from it. New messages will be delivered to all configured devices – and your chat history always stay synchronized.

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