How to invest in Kenyan stocks instantly via M-PESA using Ziidi Trader

Ziidi Trader is a new feature in the M-PESA app that lets users buy and sell shares listed on the Nairobi Securities Exchange (NSE) directly from their mobile wallets. It’s a flagship product by Safaricom the most active share on the NSE.

Here’s a step-by-step guide on how to invest in Kenyan stocks instantly via M-PESA using Ziidi Trader.

Key Insights 

• Instant Onboarding: Unlike the old system requiring physical forms and broker visits, Ziidi Trader uses instant digital KYC via your existing M-PESA profile.
• Omnibus Model: Trades are handled through an omnibus account structure, allowing for same-day or near-instant settlement directly to your mobile wallet.
• Lowered Barriers: You can start investing with as little as KES 10–50, depending on the stock price, making the market accessible to everyone. Since August 1, 2025, the previous 100-share minimum lot rule has been abolished, meaning you can now buy just one share of any listed company.

Getting Started with Ziidi Trader

1. Access Ziidi Trader: Open your M-PESA application and log in. Search for “Ziidi Trader” and tap on it to open the platform.
2. Read Disclaimers: Go through the initial information and disclaimers provided to understand how the platform works.
3. Simple Registration: Complete a short registration process by indicating your source of funds (e.g., business, salary, investments) and your employment status (employed or self-employed).
4. Agree to Terms: Read and accept the disclaimer by checking the box and clicking “Start Trading.”

Navigating the Ziidi trader Platform and Buying Stocks

1. Platform Overview: Once inside, you’ll see options for “Trade,” “Portfolio,” and “Accounts.” The home screen typically prompts you to “Go to Trade” or “Buy Stocks.”
2. Check Market Status: The platform conveniently displays the remaining hours until the market closes, or indicates if the market is already closed. Market is opens  9am to 3pm on weekdays.
3. Select a Stock: Click on “Trade” or “Buy Stocks” to view a list of available stocks and their current prices. Stocks are listed by their ticker symbols.
4. Choose Your Stock: Select the stock you wish to invest in (e.g., Kenya Re, as shown in the video).
5. Initiate Purchase: Click on the selected stock, then click “Buy.”
6. Enter Quantity: Input the number of shares you wish to purchase. You can determine this by dividing your available M-PESA amount by the stock’s price. The platform will show the total amount, including any charges.
7. Confirm with M-PESA: The system will prompt you to enter your M-PESA PIN to confirm the transaction.
8. Trade Execution: Once your PIN is entered, the trade will be executed, and you will have successfully bought shares.

Important Considerations Before Investing:

Risk: Investing in the stock market carries risks. It’s possible to see immediate negatives in your account.

Long-Term Strategy: Stock market investing is generally for the long term, allowing time for the market to play out.

Due Diligence: Always conduct your own analysis of stocks and understand the companies you are investing in before committing your funds.

Affordable Loss: Only invest money that you can afford to lose.

Beginner Advice: If you are new to investing, consider starting with lower-risk investments before moving to high-risk options.