Mfukoni

Bank anywhere, anytime with Mfukoni, the innovative mobile banking app that puts complete financial control in your hands. Designed for Android users who demand simplicity and speed, Mfukoni transforms how you manage money—no branches, no waiting, just instant access to your accounts from your device.

The newly upgraded Mfukoni delivers an intuitive banking experience built around your needs. Navigate effortlessly with a cleaner layout that displays your last five transactions instantly, while shortcut menus put your most-used services—MPESA transfers, Paybill payments, and airtime purchases—just one tap away. Scroll left, right, up, or down to move between accounts seamlessly. Whether you're checking balances or reviewing your financial history, every action feels natural and responsive.

Make your banking personal. Add your own photo, choose from three customizable themes, and shape the app to match your style. Mfukoni grows with your banking habits, remembering your preferences and suggesting features you'll actually use. Share the simplicity with friends and recommend the app to your network.

Perform transactions with confidence and convenience. Pay bills to DSTV, GoTV, Kenya Power, Zuku, JTL, and KRA Tax Payment directly from your phone. Transfer money between SBM Bank accounts or send funds to other banks instantly. Deposit cheques digitally using your camera—no more trips to the branch. Send and receive money via MPESA, or purchase airtime from Safaricom, Airtel, and Orange without breaking your workflow. Access your contacts directly to streamline money transfers and airtime purchases.

Managing your account is straightforward. View real-time balances, explore complete transaction history, and reset or change your PIN whenever needed. Request new products and services directly through the app—whether it's additional bank accounts or other offerings tailored to eligible customers.

Locate SBM Bank branches and ATMs near you instantly using built-in location features. Know exactly where to find physical banking services whenever you need them.

Mfukoni prioritizes your security and privacy. The app requests specific permissions only for essential functions: location access to find nearby branches, contact access for money transfers, camera permission for cheque deposits, and media access for profile pictures. Download Mfukoni free of charge—standard data rates may apply. Account alerts are delivered promptly, though delivery may occasionally be affected by service outages or system capacity. Experience banking reimagined with Mfukoni.