How To Break M-Shwari Lock Savings Account And Withdraw Funds


  • Financial emergencies for example hospital bills, rent, school fees can force someone making savings with M-Shwari Lock Savings Account to 'Break the Lock'. 

Breaking the Lock will enable an Mshwari Lock Savings account holder have access to the money saved for use. 

The account holder can then send the money to M-Pesa, visit an Mpesa agent to withdraw or pay via either till number or Paybill number for the service or goods.

What Is M-Shwari Lock Savings Account 

This is a mobile bank account run by NCBA Bank in partnership with Safaricom PLC that enables Mpesa and M-Shwari users to save money in a locked account for a specified time.

The time a customer can save money in this Lock Savings Account is from one (1) month to one (1) year after which the money considered to have matured. 

Lock Savings Account allows customers to earn higher interest rates at 6.65 % (percent) and can still make savings top ups anytime before maturity. 

How Can I Break M-shwari Lock Savings Account 

This is highly discouraged but incase of emergencies, you can request to withdraw the money from your Lock Savings Account in full known as Breaking The Lock or partially which is termed as Partially Breaking The Lock.

After making a request to Break M-shwari Lock Savings account, you'll have to wait for 48 hours before the money will be available and ready to withdraw.

Break M-shwari Lock Savings account
A screenshot from Safaricom website showing how long it takes before a customer can withdraw money from a broken Mshwari Lock Savings account 

The request to withdraw money saved in Mshwari Lock Savings Account is done from the Mshwari menu.



  1. However, the explanation they're giving me ain't satisfactory at all.

  2. Hi I want to break mshwari lock saving account but their are not responding to my messages what should I do I need emergency money

  3. Whyam i not getting any reply since i need some money from my lock saving account?

  4. Is mshwari lock saving not working I need money and I can't access it.

  5. I need to break my lock saving account for emergency help

  6. I need to break lock saving account for emergency

  7. How to break the lock account

    1. Big problem, been trying to access cash in my lock savings in vain. No response, no cash. It just goes mute after request.

    2. Going through the same challenge. Very scanty information required to help a customer

  8. I have waited for 48hrs still no feedback from Mshwari. Got emergency.

  9. Confirmed. Account credited. Thank you Mshwari

  10. Me too I want to break lock saving for emergency but all in vain

  11. Why can't I access my money in a lock savings account and any time I ask am told that the transaction cannot be completed

  12. How can one cancel a withdrawal request

  13. I want to withdraw my savings but they keep on saying my account is 0..yet if you request for balance the money its still there..what should I do?


Post a Comment