Our digital banking ecosystem extends the banking experience beyond the branch,giving customers the freedom to transact anytime, from virtually anywhere.
Through platforms such as the Rafiki Mkononi App, USSD *366#, and our digital collection tools under Lipa Na Rafiki, we deliver simple, secure, always-on financial access for individuals and businesses.Customers can initiate loan requests, transfer funds, make payments, and monitor account activity without queues or paperwork. This ensures uninterrupted access to financial services that match today’s fast-paced lifestyles.
Rafiki’s digital infrastructure is engineered around security, user experience, and stability.For businesses and institutions, our digital collection services,including Buy Goods, Pay Bill, and Rafiki Pay Bill,streamline receivables, improve cash flow accuracy, and reduce reconciliation pain points.
Digital Solutions

Rafiki Mkononi App
The Rafiki Mkononi App brings convenient banking to your phone, allowing you to manage your account, make payments, transfer funds, and access select loan and savings products anytime, anywhere. Designed for simplicity and speed, the app gives customers greater control over their finances without needing to visit a branch. With Rafiki Mkononi, everyday transactions become seamless, secure, and accessible on the go making it easier than ever to bank with confidence.
Download the Rafiki
Mkononi App today.
Your one stop solution to convenient banking.


Rafiki Salo App
Rafiki Salo App
A secure, user-friendly app designed for employed individuals to manage finances with ease. Access salary
advances instantly, track transactions, and stay in control anytime, anywhere!
Key Features of the Salary Advance App
- Instant Salary Advances – No need to wait for payday!
- Auto Repayment – Hassle-free deductions on payday.
- Easy & Transparent – No hidden fees, no CRB checks
Smart Financial Tools – Pay, - Borrow & Insure all in one app!
Why Partner with Us?
Boost employee financial wellness with;
- Higher Employee Satisfaction – Reduce financial stress.
- Better Retention – Happier employees stay longer.
- Increased Employee Productivity – Less worry, more focus!
Requirements to Get Started
- A Signed MOU between the employer and Rafiki Microfinance Bank.
- Active Employment with a partner organization.

USSD *366#
Our USSD service *366# puts mobile banking in your hands, allowing you to check balances, transfer funds, make payments, and access core services quickly and securely wherever you are. It is built for speed, simplicity, and reliability, ensuring you stay connected to your finances whether you are at work, on the move, or away from a branch. With *366#, banking becomes more responsive and convenient, giving you real control over your day-to-day financial needs at all times.
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Apply
For
Lipa Na Rafiki
Are you a business owner? Register for Lipa na Rafiki, call Rafiki Microfinance Bank at 0711 073 000 or 0730 170 000. You can also register via WhatsApp at 0724 627 768 This service allows you to receive mobile payments and grant access to unsecured loans for business growth.
Apply
For
Lipa Na Rafiki
Are you a business owner? Register for Lipa na Rafiki, call Rafiki Microfinance Bank at 0711 073 000 or 0730 170 000. You can also register via WhatsApp at 0724 627 768 This service allows you to receive mobile payments and grant access to unsecured loans for business growth.
Apply
For
Lipa Na Rafiki
Are you a business owner? Register for Lipa na Rafiki, call Rafiki Microfinance Bank at 0711 073 000 or 0730 170 000. You can also register via WhatsApp at 0724 627 768 This service allows you to receive mobile payments and grant access to unsecured loans for business growth.

Real stories
“I think Hub is the best theme I ever seen this year. Amazing design, easy to customize and a design quality superlative.”
FELICIA MARCI
TWITTER CEO
“I think Hub is the best theme I ever seen this year. Amazing design, easy to customize and a design quality superlative.”
FELICIA MARCI
TWITTER CEO
“I think Hub is the best theme I ever seen this year. Amazing design, easy to customize and a design quality superlative.”
FELICIA MARCI
TWITTER CEO
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