Airtel Money Kenya on Monday, August 3, 2026, launched Bizna Wallet, a dedicated digital wallet designed to help the country’s micro, small and medium enterprises (MSMEs) manage their finances more effectively.
The wallet allows business owners to separate commercial revenue from personal funds without undergoing a complex registration process. Once activated, users can monitor sales, receive payments, track transactions through mini-statements and manage cash flow, all from a single linked account.
Speaking at the launch in Nairobi, Airtel Money Kenya’s Acting Managing Director, Michael Bonke, said the product was developed after extensive engagement with entrepreneurs who had struggled to manage business transactions through personal mobile money accounts.
“Bizna is a solution designed for entrepreneurs. We want to encourage each and every Kenyan, every business, to try the Bizna Wallet. As I said, it’s free to our customers. Customers can pay to any Bizna Wallet free of charge. There’s no charge across all the banks. From one shilling to two hundred and fifty thousand shillings, you can pay to any Bizna Wallet in Kenya for free,” Bonke said.
Businesses can register through the My Airtel App or by dialling *334# and selecting the Bizna Wallet option. The wallet is then linked to the customer’s existing Airtel Money line while remaining separate from their personal wallet, and the service becomes available immediately after registration. Key features include:
- Zero fees on transfers into the wallet, for amounts ranging from Sh1 up to the Sh250,000 transaction ceiling
- No charge for customer payments to merchants using the wallet
- Free movement of funds between a user’s personal Airtel Money wallet and their Bizna Wallet
- Mini statements and transaction tracking, giving owners visibility over daily business income and expenses
Alongside the wallet, Airtel Money expanded its “Rudishiwa” loyalty programme, replacing airtime rewards with direct cash. All registered Airtel Money customers now receive 50% cashback on eligible transactions worth Sh101 or more, including PayBill payments, transfers to other mobile money networks, bank to wallet transfers and wallet-to-bank transactions.
Airtel said the launch reflects its broader push into merchant banking as its mobile money business grows. The company’s mobile money market share has risen to 10.9%, and it says it now serves more than 6 million active Airtel Money subscribers, supported by a network of 270,000 agents and over 2 million merchant outlets a reach it has grown partly through agency partnerships with firms including KCB and Naivas.
The wallet is aimed at Kenya’s informal and small business economy: market vendors, salon operators, boda boda riders, neighbourhood shops and similar traders who have historically relied on personal mobile money accounts to run their businesses.
MSMEs form a substantial part of Kenya’s economy. According to a 2026 study by Strathmore University Business School, the sector employs more than 14.9 million people, accounts for over 90% of the country’s private enterprises, and generates between 30% and 34% of Kenya’s GDP. Separately, the Mastercard SME Confidence Index found that 95% of Kenyan SMEs now accept mobile payments, a sign of how central digital wallets have become to everyday trade.
Bonke said the wallet was built to meet this demand directly. “Small businesses are at the heart of Kenya’s economy, yet many entrepreneurs still rely on personal wallets to manage business finances,” he said, describing Bizna Wallet as a way to address that practical gap in financial management tools for the country’s growing small-business community.
For MSMEs, the wallet offers a low cost way to formalize cash flow management without the overhead of a full business bank account. By keeping transactions separate from personal spending, Airtel says the tool can also help build a clearer transaction history potentially useful for entrepreneurs seeking future access to credit or working capital products based on verifiable business revenue.
Registration is open now to all Airtel Money customers, with the company positioning the free of charge structure as a way to lower the barrier to entry for small traders who have not previously used dedicated business payment tools.
