How To Opt Out Of M-Shwari Or KCB M-Pesa

KCBMPesa and Mshwari

How can I opt out of M-Shwari or KCB M-Pesa? How can I deactivate my M-Shwari or KCB M-Pesa account?How can I close My M-Shwari or KCB M-Pesa account?

If you are asking yourself any of the above questions, this post is exactly for you. Just continue reading.

How Can One Deactivate M-Shwari Or KCB M-Pesa Account 

For any reason a customer can feel like it's time to opt out of KCB M-Pesa or M-Shwari services.

While M-Shwari is by NCBA Bank  and KCB M-Pesa by KCB Bank they are both offered in partnership with Safaricom Mpesa as mobile loans.

According to Safaricom, it is not possible to opt out or deactivate both Mshwari and KCB M-PESA. This is because, the two services are incorporated in any Safaricom line (SIM card).

For this reason, if you don't feel comfortable with KCB M-PESA or Mshwari, just ignore it but it will still be visible on your SIM card menu.

What can one do if it's not possible to opt out of Mshwari or KCB M-PESA? The only option is to close the Mshwari or KCB M-PESA account.

How to Close M-Shwari Or KCB M-Pesa Account 

Again for any reason, you can have the the need to close completely your M-Shwari or KCB M-PESA account.

This is possible though and here is how;

  • Visit the Nearest NCBA Bank for M-Shwari or KCB Bank for KCB M-PESA. 
  • Ask for your account closure 
  • Present your documents including your ID card
  • Get your account closed



  1. They are all liars. I visited KCB Kipande branch for deactivation of KCB-Mshwari and I was told there is no way you can deactivate. I went to Saf-Com on the same lane and they sent me back to KCB. It's like opening an account ni kupanda mchongoma but deactivating or disabling ndio kushuka Mchongoma🤔

  2. Just borrow and take long time before you repay. They will reduce your limit to zero.
    This will save you from the urge to borrow

    1. My view too,thank you

    2. Best answer. Did the same and took 4 months to pay. They sent me warning including sending credit collectors, listed me at CRB then suddenly I paid. My account has been set to for over 2 years now and have never made any attempt to borrow.


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