Saida - Pay, Bills, Save, Loans & More

Saida is a simple, smart, transparent alternative for your daily finances. Just add money, set budgets, spend it to buy airtime, pay bills, send to people, save and see a nice summary of your spending.

4 Ways Saida makes your life easier

Painless Transfers
Easily send money to your friends and contacts to their MPesa.
- Most times it is cheaper than what you are used to.
- You can add a message to let the person know why you sent the money
- Saida will tell you how much "Ya kutoa" is and you can add it.

Easy Bill Payments
You can make instant payments to the following billers.
- Kenya Power - Postpaid, Tokens - you get a 1% cash bonus. Tokens are instant!
- You can also check your outstanding Kenya Power bill for postpaid or confirm your meter number to avoid mistakes
- Nairobi Water, DsTV, GoTV, Zuku Internet & Zuku Home

Buying Airtime
You can buy Airtel Airtime, Safaricom Airtime or Telkom Airtime for yourself or someone else. You earn 2% cash bonus when you buy airtime. If you struggle buying Airtel or Telcom Airtime this is the app for you.

Create a budget, add some money and Saida will automatically help you stay within your budget. Want to only spend Ksh 100 daily or Ksh 5000 weekly - we can help

Create saving goals, start saving, we will cheer you on and reach your goals. Our savings are offered in partnership in Fund Managers regulated by the Capital Markets Authority. We invite a select number of customers to save

Advances & Loans
Use Saida frequently and you will unlock our credit facilities. Your usage may qualify you for cash loans repayable in 2.5 months. Using Saida for 1 month is enough to build a credit limit. We do not offer instant loans the day you download the app.


Privacy and Permissions: Saida collects personal information about you that we use to determine your identify you, provide you the service and check loan eligibility - we use this information in accordance with our privacy policy which is listed on the details of this app. If you apply for a loan Saida will ask to scan your M-Pesa SMS, phone number, email address and national ID to verify your identity to comply with KYC (know your customer) regulations, creditworthiness checks. The privacy policy is also available within your app. Your personal information will never be shared without your direct consent.

Loan Terms
Saida charges a service fee of 0 - 21% per month (APR 0% -252%) of the amount lent to you based on how we rate your creditworthiness. The amount can be repaid within 2.5 - 6 months and the schedule may vary depending on your credit rating. Late fees are not charged and a one time debt collection fee may be charged if your loan is later than 35 days. Additional Terms & Conditions may apply - you may see this on your Loans Page on Saida.

An example is if you borrow Ksh 1,000 for 7.5% fee for 2.5 months, you will repay Ksh 1,075 within 2.5 months. There are no penalties for early repayment. If you are late by more than 60 days, a penalty of 10% will be applied to the overdue amount. (Ksh 107.5) - no further penalties or charges will apply again.


If you face any challenges with the app, we're happy to help - email us at You can also send us a direct message from the app.
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What's New

You can add money to your Saida account directly from your bank
We also made it easier to withdraw, load money and get started after creating an account.
A security update was also included
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Additional Information

June 3, 2020
Current Version
Requires Android
4.1 and up
Content Rating
Offered By
Greenshoe Capital INC
1720 Camden Avenue, Los Angeles, 90025 CA, USA
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