Vooma the new mobile money service is here! Pay for goods and services , get a loan, save money and send money from one Vooma wallet to another for FREE across ANY mobile network all from your mobile phone.
To join dial *844# and download Vooma App from Google playstore, AppStore or Huawei App Gallery.

Benefits of using Vooma

Save money
Vooma is easier on your pocket with affordable fees making it easier to send money and make payments across Kenya.
Grow your credit limit
Access higher loan limits at great interest rates on Vooma, as you use the app and service using *844#.
Freedom of choice
Send and receive money, pay your bills, shop and buy airtime, regardless of the network you are on while multiple options to top up your account.

How it works

How do I load cash into my VOOMA wallet through the VOOMA app?

  • Here's how to load your VOOMA wallet from your Card (Visa & Mastercard)
    1. Open your VOOMA app
    2. Select ‘Load Money’ on the home screen
    3. Choose card from which to source funds
    4. Enter your card details
    5. Enter the amount (minimum KES 100) then submit
    6. Click on ‘proceed’ to confirm transaction
    7. Enter one-time-password received from text then submit
    8. Wait for confirmation message
  • Here’s how to load your VOOMA wallet from M-PESA (through the VOOMA app)
    1. Open your VOOMA app
    2. Select ‘Load Money’ on the home screen
    3. Choose ‘M-PESA’
    4. Enter the amount you wish to load
    5. Click on ‘proceed’ to confirm transaction
    6. Enter your M-PESA PIN on the M-PESA pop up
    7. Wait for confirmation message from VOOMA advising on your debit and balance
  • Here’s how to load your Vooma wallet from M-PESA (through M-PESA toolkit)
    1. Go to your M-PESA Menu and Select Lipa Na M-PESA
    2. Select Pay Bill and Enter Pay Bill No. 800200
    3. Enter Account Number (This is your VOOMA registered mobile number)
    4. Enter Amount and your M-PESA PIN
    5. You will receive an SMS from M-PESA advising you on your debit from M-PESA to VOOMA
    6. You will receive an SMS from VOOMA advising on your credit to your VOOMA wallet
  • Here’s how to load your VOOMA wallet through T-Kash
    1. Go to the T-Kash Menu and select Pay Bill
    2. Choose from the list of popular billers
    3. Enter Account Number (your VOOMA registered mobile number)
    4. Then enter amount and T-kash PIN
    5. You will receive a T-Kash confirmation SMS
    6. You will receive a VOOMA deposit confirmation message
  • Here’s how to load your VOOMA wallet from your KCB Account
    1. Open your VOOMA app
    2. Select ‘Load Money’ on the home screen
    3. Choose ‘KCB Account’
    4. Enter your VOOMA pin
    5. Enter the amount (more than KES 100) and submit
    6. Enter your one time authorization
    7. Wait for confirmation message
  • Here’s how to load your Vooma wallet from a KCB ATM
    1. Visit your nearest cash deposit ATM (Expressbank)
    2. Select Deposit and Withdrawals
    3. Select VOOMA, then select Deposit
    4. Enter your VOOMA registered mobile number and the amount you want to deposit
    5. Put cash into the recycler and enter your VOOMA PIN
    6. Your receipt will be printed
    7. You will receive SMS confirmation
  • Here’s how to load your VOOMA wallet from the KCB App
    1. Launch your KCB App & select VOOMA Services
    2. Select Send Money
    3. Select Self to send to yourself or Other to send to another number (input the number)
    4. Enter Amount and submit (Must be more than KShs. 100)
    5. Enter your KCB Mobile Banking PIN
    6. You will receive SMS confirmation

How do I make payments through the VOOMA app?

  • Here is how to pay for Goods & Services into a VOOMA Till
    1. Open the VOOMA app
    2. Select ‘Buy Goods’ on the home screen
    3. Enter the VOOMA Till number and the amount
    4. Click on ‘proceed’
    5. Enter your VOOMA PIN
    6. Wait for confirmation message
  • Here’s how to pay for Goods & Services through Vooma Pay bill
    1. Open your VOOMA app
    2. Select ‘Pay bill’ on the home screen
    3. Select ‘VOOMA pay’
    4. Enter the Pay bill number, Account number and amount then submit
    5. Click on ‘proceed’ to confirm transaction
    6. Enter your VOOMA PIN
    7. Wait for confirmation message
  • Here is how to pay popular bills
    1. Open your VOOMA app
    2. Select ‘Pay bill’ on the home screen
    3. Choose ‘popular bills’
    4. Select the preferred biller then enter their account number and submit
    5. Click on ‘proceed’ to confirm transaction
    6. Enter your VOOMA PIN and select OK
    7. Enter the one time authorization code
  • Here is how to pay for school fees from your VOOMA Wallet
    1. Open the VOOMA app
    2. Click on the top left menu icon
    3. On the Side menu, select ‘Lipa Karo’
    4. Search Preferred school or enter the Pay bill number
    5. Enter the Student Admission Number and amount to pay
    6. Click on ‘proceed’ to confirm transaction
    7. Enter your VOOMA PIN
    8. Wait for the confirmation message
  • Here is how to pay using a QR code into a VOOMA Till
    1. Launch the VOOMA App
    2. Select Scan
    3. Scan the QR Code from the merchant sticker
    4. The App will automatically generate the VOOMA Name and Code
    5. Confirm that the name shown on the App matches the details shown on the Merchant sticker
    6. Enter Amount and select Submit
    7. Confirm merchant payment then proceed
    8. Enter your VOOMA PIN
    9. You will receive SMS confirmation

How do I make payments through USSD?

  • Here is how to pay for Goods & Services into a VOOMA Till
    1. Dial *844# and select Payments
    2. Select Buy Goods then select VOOMA Till
    3. Input VOOMA Till Number from merchant’s ‘Pay with VOOMA’ sticker
    4. Enter the Amount
    5. Enter your VOOMA PIN
    6. You will receive SMS confirmation of successful payment
  • Here’s how to pay for Goods & Services through VOOMA Pay bill
    1. Dial *844# and select Payments
    2. Select Pay Bill then select your linked account or VOOMA wallet to debit from
    3. Select your preferred biller
    4. Enter account or Pay Bill number and submit
    5. Confirm either full payment, partial or overpay
    6. Enter your VOOMA PIN
    7. You will receive SMS confirmation of successful payment
  • How to pay popular bills on VOOMA
    1. Dial *844#
    2. Select [2] Payments
    3. Choose option [1] Pay Bills
    4. Select [2] to choose your VOOMA wallet as your source of funds
    5. Choose your preferred popular biller from the list
    6. Enter the Account number
    7. Choose the payment mode [1] for full payment or [2] for partial payment
    8. Enter the amount
    9. Enter your VOOMA pin
    10. Enter [1] to confirm transaction
  • Here’s how to pay school fees on VOOMA
    1. Dial *844#
    2. Enter [2] to select Payments
    3. Choose option [3] To Pay School fees
    4. Choose [2] for VOOMA wallet as your source of funds
    5. Select [1] School Pay bill Number
    6. Enter the School Pay bill Number and the Student Reference Number
    7. Enter the amount you wish to pay
    8. Enter your VOOMA PIN
    9. Choose [1] to confirm transaction

How do I buy airtime through the VOOMA app?

How do I buy airtime through USSD?

  • Here is how to buy airtime (Safaricom, Airtel & Telkom) on VOOMA
    1. Dial *844#
    2. Select option [5] Buy Airtime
    3. Select [2] VOOMA wallet as your source of funds
    4. Choose the beneficiary, [1] own account or [2] other mobile
    5. Choose the network provider
    6. Enter the number and amount
    7. Enter your VOOMA PIN
    8. Press [1] to confirm transaction

How do I send money through the VOOMA app?

  • Here’s how to send money from one VOOMA account to another
    1. Open your VOOMA App
    2. Select ‘Send Money’ on the home screen
    3. Select VOOMA
    4. Enter the phone number and amount to send then submit
    5. Click ‘proceed’ to confirm transaction
    6. Enter your VOOMA PIN
    7. Wait for confirmation message
    8. >
  • Here’s how to send money from your Vooma wallet to M-PESA
    1. Open your VOOMA app
    2. Select ‘Send Money’ on the home screen
    3. Select M-PESA
    4. Select ‘Self’ or ‘Other’
    5. Enter phone number and amount to send then submit
    6. Click ‘proceed’ to confirm transaction
    7. Enter your VOOMA PIN
    8. Wait for confirmation message
  • Here’s how to send money from your VOOMA wallet to KCB
    1. Open your VOOMA app
    2. Select ‘Send Money’ on the home screen
    3. Select Bank
    4. Choose ‘KCB’
    5. Enter recipient’s account details (Acc. No, Name & Amount) then submit
    6. Click ‘proceed’ to confirm transaction
    7. Enter your VOOMA PIN
    8. Wait for confirmation message

How do I send money through USSD?

  • Here’s how to send money from one VOOMA account to another
    1. Dial *844#
    2. Select option [3] Send Money
    3. Enter [1] Send to VOOMA
    4. Then select your linked account or VOOMA Wallet to debit from
    5. Enter mobile number
    6. Enter the amount and submit
    7. Enter your VOOMA PIN
    8. You will receive SMS confirmation
  • Here’s how to send money from your VOOMA wallet to M-PESA
    1. Dial *844#
    2. Select option [3] Send Money
    3. Enter [3] Send to Mpesa
    4. Then select [2] to choose VOOMA wallet as your source of funds
    5. Choose [1] to send to your M-PESA or [2] to another M-PESA number
    6. Enter the amount you wish to send
    7. Enter your VOOMA PIN
    8. Enter [1] to confirm transaction
  • Here’s how to send money from VOOMA to T-Kash
    1. Dial *844#
    2. Select Send Money
    3. Select to T-Kash
    4. Select account or VOOMA wallet to debit from
    5. Select Own Number or Other Number
    6. Enter Mobile Number
    7. Enter Amount
    8. Enter your VOOMA PIN
    9. You will receive confirmation SMS
  • Here’s how to send money from VOOMA to KCB
    1. Dial *844#
    2. Select option [3] Send Money
    3. Enter [2] to choose ‘Bank Transfer’
    4. Then select [2] to choose VOOMA wallet as your source of funds
    5. Select own or other KCB account
    6. Enter account number
    7. Enter the amount you wish to send
    8. Enter your VOOMA PIN
    9. You will receive SMS confirmation
  • Here’s how to send money from VOOMA to other banks using PesaLink
    1. Dial *844#
    2. Select option [3] Send Money
    3. Select PesaLink
    4. Then select [2] to choose VOOMA wallet as your source of funds
    5. Select Pay to Person
    6. Select Pay to Phone/ Pay to Account
    7. Select bank category
    8. Choose the actual bank
    9. Enter the bank account number
    10. Enter the amount
    11. Enter your VOOMA PIN
    12. You will receive SMS confirmation
  • Here’s how to send money from Vooma to a mobile using Pesalink
    • Dial *844#
    • Select Send Money
    • Select PesaLink
    • Select account or VOOMA wallet to debit from
    • Select Pay to Person
    • Select Pay to Phone
    • Enter the Mobile Number
    • Enter the Amount
    • Enter your VOOMA PIN
    • You will receive confirmation SMS

How do I withdraw money through the Vooma app?

  • Here is how to withdraw cash from your Vooma wallet at an Agent
    1. Open your VOOMA app
    2. Select ‘Withdraw’ on the home screen
    3. Choose ‘From Agent’
    4. Enter the Agent code number
    5. Enter the amount to withdraw and submit
    6. Click on ‘proceed’ to confirm transaction
    7. Enter your VOOMA PIN
    8. Wait for confirmation message on successful transaction
  • Here is how to withdraw cash using a QR code at an Agent
    1. Launch the VOOMA App
    2. Select Scan
    3. Scan the QR Code from the agent sticker
    4. The App will automatically generate the VOOMA Name and Code
    5. Confirm that the name shown on the App matches the details shown on the agent sticker
    6. Enter Amount
    7. Select Submit then proceed
    8. Enter your VOOMA PIN
    9. You will receive SMS confirmation
    10. Collect your cash from the VOOMA agent
  • Here is how to withdraw cash from your VOOMA wallet at a Branch
    1. Open your VOOMA app
    2. Select ‘Withdraw at ATM/Branch’
    3. Click on Submit then proceed
    4. Enter your VOOMA PIN
    5. Give the teller the secret code received on SMS
    6. Receive cash from the teller and sign a withdrawal slip
  • How to withdraw cash from your VOOMA wallet at an ATM
    1. Open your VOOMA app
    2. Select ‘Withdraw at ATM/Branch’
    3. Select Submit then proceed
    4. Enter your VOOMA PIN
    5. You will receive a secret code on SMS
    6. On the ATM Screen select VOOMA withdrawal
    7. Enter your Secret Code and Amount
    8. The ATM will dispense cash
    9. You will receive SMS confirmation
    10. Ensure to collect receipt from ATM

How do I withdraw money through the USSD?

  • Here is how to withdraw cash from your VOOMA wallet at an ATM
    1. Dial *844#
    2. Select option [4] withdraw cash
    3. Select Withdraw at Branch/ATM
    4. On the ATM screen enter the Secret Code received on SMS
    5. On the ATM screen enter the Amount
    6. The ATM will dispense cash
    7. You will receive SMS confirmation
    8. Ensure to collect receipt from ATM

How do I withdraw money as an unregistered customer?

  • Here is how to withdraw cash at an ATM
    1. On the ATM screen, enter your Secret Code
    2. On the ATM screen, enter Amount
    3. The ATM will dispense cash
    4. You will receive a confirmation SMS
    5. Ensure to collect receipt from ATM
  • Here is how to withdraw cash at a Branch
    1. You will receive a secret code on SMS that you will use to withdraw funds
    2. Give the branch teller the secret code to proceed with the transaction
    3. Receive cash from the teller and sign a withdrawal slip
  • Here is how to withdraw cash at an Agent
    1. You will receive a secret code on SMS that you will use to withdraw funds
    2. Give the agent the secret code to proceed with the transaction
    3. Receive cash from the agent and sign register book