• T- Kash is a Mobile Financial Service owned by Telkom Kenya LTD that offers a wide range of cross functional solutions both for consumer and enterprise markets.
• The service allows customers to:
• Deposit money to a customer wallet through an authorized T- Kash Agent.
• Sending money from your mobile number to any other number conveniently across all networks.
• Withdrawing money from any authorized T- Kash Agent or ATM countrywide.
• Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
• Paying utility bills and paying for goods and services at T- Kash registered merchants.
•  

• The service allows customers to:
• Deposit money to a customer wallet at an authorized T- Kash Agent.
• Sending money from your mobile number to any other number conveniently across all networks.
• Withdrawing money from any authorized T- Kash Agent or ATM countrywide.
• Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
• Paying utility bills and paying for goods and services at T- Kash registered merchants.
•  

Any individual who has attained the minimum age of 18 years and has a valid government issued ID. This applies both to prepaid and postpaid customers.

• There are 3 channels to access the T- Kash menu:
•     SIM Tool Kit Menu
•     USSD (*160#) 
•     T- Kash App (Android & IOS)

Yes. You can have a maximum of 2 T- Kash accounts.

• T- Kash Agent is a person or business that has officially been appointed by Telkom Kenya  to help with the following:
• Register customers for T- Kash service.
• Facilitate cash deposits for T- Kash registered customers.
• Process cash withdrawals for both T- Kash registered and non-registered customers.
• Educate customers on compliance and how to use the service.
• Sell Telkom airtime.
• Act as the first point of contact for T- Kash customers.

• Yes, you can send money to subscribers of other networks or unregistered customers.
• The recipient will receive a one-time voucher from T- Kash with an 8 digit code which they will use when withdrawing money at a T- Kash Agent.
• The recipient has to withdraw the money from a T- Kash agent within 7 days, post 7 days the money will be resend back to the sender if not withdrawn by the recipient.

• Take the following steps to send money to another mobile number.
•     Go to your T- Kash menu.
•     Select “Send Money”.
•     Select “To Mobile”.
•     Enter Phone Number.
•     Enter Amount.
•     Enter T- Kash PIN.
• A confirmation screen will pop up showing the details of the person and amount to be transferred (e.g. Send Money to 0777 XXX XXX, amount KSh XXX, Transaction Fee KSh XX) after confirmation, press OK to process the transaction.
• You will receive a confirmation SMS from T- Kash

• Steps:
•     Go to T- Kash Menu and select “Buy Airtime”
•     Select your preferred option.
•     My phone (Your Telkom Line).
•     Other Phone (Another Telkom Line).
•     Enter Amount.
•     Enter T- kash PIN.
•     Confirm.
• If successful, you will receive an SMS from T- Kash confirming the transaction and another from the network confirming that top up.

• You must present an original identification document to make a customer withdrawal.
• Steps: 

1. Visit the nearest T- Kash Agent.
2. Confirm the T- Kash Agent has sufficient funds to process your transaction.
3. Give the Agent your original identification document.
4. Go to your T- Kash menu and select ‘Withdraw Cash’.
5. Select ‘From Agent’.
6. Enter Amount & confirm details.
7. Enter your T- Kash PIN and press Send.
8. You will receive an SMS from T- Kash with a T- Kash Code. 
9. Give the Agent your T- Kash Code. 
10. The Agent will process your withdrawal request and you will receive a confirmation SMS from T- Kash.
11. The Agent will issue cash and request you to sign the customer transaction log book.

• This service is available for T- Kash Registered customers only.
• Steps:
• Phase 1 (From your Phone)
• Go to your T- Kash Menu and select ‘Withdraw Cash’
• Select ‘ATM Withdrawal’
• Enter Amount (The amount must be in multiples of ksh. 200)
• Create your ATM One Time PIN ( Enter a 4 digit PIN of your choice.
• Enter T- Kash PIN and press Send
• You will receive a notification SMS with a T- Kash Code from T- Kash. The T- Kash Code expires in 10 minutes. In this case of expiry you will be required to go through the ATM withdrawal process again.
• Phase 2 (At the ATM)
• Visit T- Kash partner ATM and Select preferred language
• Enter the T- Kash Code received in the previous stage
• Enter your ATM One Time PIN
• Enter the Amount you wish to withdraw and confirm by pressing ‘Continue’
• The ATM will dispense cash and issue a transaction receipt. You will also get a confirmation SMS from T- Kash.

• Yes, you can transfer money from your T- Kash account to your bank and vice versa.
• Please note that you will be required to visit the T- Kash partner bank and register for mobile banking to allow for bank to T- Kash tranfers.

• You can always change your PIN in case you suspect vulnerability with your account.
• There is no limit to the number of times you can change your PIN.
• It’s FREE to change your PIN.

• This scenario rarely occurs, however this could be due to the following reasons:
• Your SMS inbox could be full or you might have blocked SMS’s from T- Kash
• T- Kash platform could be having some delays

No, the E-value in your T- Kash account is safe. No one can access your account unless they know your T- Kash PIN. Your T- Kash account will be available to you once you replace your SIM card.

1. You do not need an agent number to withdraw cash from a T- Kash Agent.
2. If you visit an Agent who has insufficient funds and you have generated the T- Kash Code , you can visit any other T- Kash Agent near you to withdraw your cash.
3. Using the T- Kash Code reduces time taken at the Cashier Point when buying goods and services.
4. The T- Kash Code is not matched to any specific Agent outlet thus can be used at any T- Kash Agent outlet.
5. The T- Kash Code is unique and secure and can only be used once.
6. If you have money in your T- Kash account, you can generate many codes until your account balance reaches zero balance.
7. The T- Kash Code is generated when you want to withdraw cash at an Agent, at a ATM or when buying goods and services using your T- Kash service.
8. You can generate the T- Kash Code for someone else to use  buy goods and services.
9. When you generate a T- Kash code you can redeem it partially at an Agent or Merchant outlet.
10. It is free to generate a T- Kash Code.
11. You do not need a Till number to pay for goods and services.
12. The T- Kash code reduces errors since one cannot send e-money to the wrong till.
13. There is no need to wait for reversals as agent can perform deposit reversals within 10 minutes.
14. T- Kash code valid period is 10 minutes.
15. Generation of T- Kash code does not mean a payment has been effected the payment is effected when the code is redeemed at an agent/merchant outlet.
16. ATM transaction limits are a minimum withdrawal of KShs 200 and a maximum withdrawal of KShs 40,000.
17. Merchant transaction limits are a minimum payment of KShs  1 and a maximum payment of KShs  70,000.

The New Mzito will be available from the 5th of March 2021. Any purchase of Mzito 500 and 1000 will not expire. The customer will be able to fully utilize the available resources. Mzito 2000 will continue to expire after 30 days.

• *544# – My account
• Visit https://myaccount.telkom.co.ke

By dialing *544#

By dialing *131#

Data will be at pay as you go (PAYG) rate of 4.30/- per MB.

Yes, you earn Ziada points on the cost of the bundle.

• Dial *131#
• Go to my account on My Telkom app

• Yes, you can.
• For the daily SMS, the new subscriptions validity period takes precedence and the resources will accumulate.
• For the Monthly bundle, the new subscriptions validity period takes precedence and the resources reset.

•  You can purchase a new SMS bundle.
• If you don’t purchase a new bundle, SMS will be charged at the PAYG rate of Ksh 1.

You can cancel the auto renew by dialling *188#, and select unsubscribe (option 4).This will cancel the SMS offer you are subscribed to.

This prepaid product is a large cheap bundle that can be bought and used by 3 to 5 people. It is aimed at people who would like a large data bundle but cannot afford it on their own as individuals. They can come together to buy it and also use it together. For only Kes. 1,500, customers will get 100GB of data, 200 minutes On-net, 50 minutes off-net and 200 SMS, valid for 30 days with no rollover.

• A Nominator/ group leader will purchase the bundle through USSD code *444#.
• The nominator will first purchase the bundle. Then, the nominator will follow prompts and add up to 4 numbers of individuals who wish to subscribe to the Changa bundle service. The nominator’s number will be added automatically and they need not add their own number. The nominator will then be prompted to complete the group, then confirm the numbers added. After confirmation, the group will be set up within 24 hours from Monday – Friday. After group setup, the customers can start using the Changa Bundle.

Validity is limited to 30 days from the date of purchase with no roll over.

Yes. However, a subscriber can be in only one user group at a time.

• There are no restrictions. Each member can use as much or as little as they would like. Additionally, all group members will share the resources of the other group members. In addition to the Changa Bundle, all the other bundles and airtime of the group members that was purchased individually will also be accessible for use by the whole group.
• If a customer who is part of the Changa Bundle group buys a bundle, that bundle will also be available for the rest of the group members.
•  

The Bundle cannot rollover. Subscribers will have to purchase a fresh bundle. 

Any member of the group will be able to view the Bundle balance.

All members of the group can view group members by dialing *444# and following the prompts.

To dissolve the group, customers will call Customer care help lines through 100 to dissolve the group.

Ziada points will go to the nominator or purchaser.

• *544*0# – Select customers will have either of the bundles appear on their menu. They will be notified via SMS
• *231# – Whitelisted SSOs /Agents / TKL Shops will have the offer appear on their menus

• Newly recruited customers will be eligible for this offer and can be sold this bundle by the TKL Shops/ SSOs/Agents who will have the offer on their *231*1# menu
• Regular existing customers will not have a menu option to subscribe for the bundles but can be subscribed to the bundles by SSOs/ Agents /TKL Shops via the *231*1# menu.
• Targeted customers who will receive an SMS will have this offer available on their *544*0# menu

 Yes, you can subscribe to another bundle before the existing bundle expires. The resources will be accumulated and the validity will also extend appropriately

This is a product from Telkom which gives you data, voice minutes, and SMS in addition to personal accident and accidental death cover from Britam.

No. You get a new bundle every time you renew.

Up to Kes 20,000 per month.

The following activities are not covered: Aqualung diving, rugby, boxing, climbing and mountaineering necessitating ropes or guides, parachuting, polo, power boating, motor competitions and show jumping.

• All Outpatient;
• Client visits a Britam Panel hospital or hospital outside the panel.
• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client if the claim has been approved
• For approved claims, payment will be made to the client via mobile money up to the cover limit.

• Britam Panel Hospital- Inpatient only

• Client visits a Britam Inpatient Panel hospital.
• In the event of admission, the client presents a National ID to the hospital within 48 hours of hospitalization.
• Client calls Britam helpline to request for hospitalization approval.
• Britam sends authorization to the hospital up to the cover limit.

• Hospitalization Outside Britam Panel Hospitals- Inpatient

• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client that the claim has been approved or rejected.
• For approved claims payment will be made to the client via mobile money up to the cover limit.

• NOTE: Claims are done on a purely reimbursement basis. 

You can access over 400 hospitals countrywide based on the one which is convenient. A list of hospitals is available on the Britam website.

In case you visit any of the hospitals in our network, call 0709 165 000 to notify Britam who will then send a pre-authorization to the hospital for you to receive treatment. Note, you will be required to show your ID at the hospital.

All valid claims will be paid out within 5 working days with effect from the time the insurer receives all the required documents.

In the event of non-payment of premiums within 24 hours , all the above benefits shall lapse and become suspended.

• You can subscribe to the home bundles using any of these options :
• *544# – purchase Bundle for Homeplan number 
• *222# – Homeplan USSD
• Visit https://myaccount.telkom.co.ke

Once the data bundle allocation is exhausted, you will not be able to browse until you purchase another bundle.

Yes you can.

• 30 Days with the exception of the booster pack that is valid for 24hrs
•     90 days Home bundle is valid for 90 days

This is a 5GB bundle valid for 24hrs that costs Ksh.249. • It is meant to return the FUP speeds to full speeds for 24hrs.

• T- Kash is a Mobile Financial Service owned by Telkom Kenya LTD that offers a wide range of cross functional solutions both for consumer and enterprise markets.
• The service allows customers to:
• Deposit money to a customer wallet through an authorized T- Kash Agent.
• Sending money from your mobile number to any other number conveniently across all networks.
• Withdrawing money from any authorized T- Kash Agent or ATM countrywide.
• Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
• Paying utility bills and paying for goods and services at T- Kash registered merchants.
•  

• The service allows customers to:
• Deposit money to a customer wallet at an authorized T- Kash Agent.
• Sending money from your mobile number to any other number conveniently across all networks.
• Withdrawing money from any authorized T- Kash Agent or ATM countrywide.
• Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
• Paying utility bills and paying for goods and services at T- Kash registered merchants.
•  

Any individual who has attained the minimum age of 18 years and has a valid government issued ID. This applies both to prepaid and postpaid customers.

• There are 3 channels to access the T- Kash menu:
•     SIM Tool Kit Menu
•     USSD (*160#) 
•     T- Kash App (Android & IOS)

Yes. You can have a maximum of 2 T- Kash accounts.

• T- Kash Agent is a person or business that has officially been appointed by Telkom Kenya  to help with the following:
• Register customers for T- Kash service.
• Facilitate cash deposits for T- Kash registered customers.
• Process cash withdrawals for both T- Kash registered and non-registered customers.
• Educate customers on compliance and how to use the service.
• Sell Telkom airtime.
• Act as the first point of contact for T- Kash customers.

• Yes, you can send money to subscribers of other networks or unregistered customers.
• The recipient will receive a one-time voucher from T- Kash with an 8 digit code which they will use when withdrawing money at a T- Kash Agent.
• The recipient has to withdraw the money from a T- Kash agent within 7 days, post 7 days the money will be resend back to the sender if not withdrawn by the recipient.

• Take the following steps to send money to another mobile number.
•     Go to your T- Kash menu.
•     Select “Send Money”.
•     Select “To Mobile”.
•     Enter Phone Number.
•     Enter Amount.
•     Enter T- Kash PIN.
• A confirmation screen will pop up showing the details of the person and amount to be transferred (e.g. Send Money to 0777 XXX XXX, amount KSh XXX, Transaction Fee KSh XX) after confirmation, press OK to process the transaction.
• You will receive a confirmation SMS from T- Kash

• Steps:
•     Go to T- Kash Menu and select “Buy Airtime”
•     Select your preferred option.
•     My phone (Your Telkom Line).
•     Other Phone (Another Telkom Line).
•     Enter Amount.
•     Enter T- kash PIN.
•     Confirm.
• If successful, you will receive an SMS from T- Kash confirming the transaction and another from the network confirming that top up.

• You must present an original identification document to make a customer withdrawal.
• Steps: 

1. Visit the nearest T- Kash Agent.
2. Confirm the T- Kash Agent has sufficient funds to process your transaction.
3. Give the Agent your original identification document.
4. Go to your T- Kash menu and select ‘Withdraw Cash’.
5. Select ‘From Agent’.
6. Enter Amount & confirm details.
7. Enter your T- Kash PIN and press Send.
8. You will receive an SMS from T- Kash with a T- Kash Code. 
9. Give the Agent your T- Kash Code. 
10. The Agent will process your withdrawal request and you will receive a confirmation SMS from T- Kash.
11. The Agent will issue cash and request you to sign the customer transaction log book.

• This service is available for T- Kash Registered customers only.
• Steps:
• Phase 1 (From your Phone)
• Go to your T- Kash Menu and select ‘Withdraw Cash’
• Select ‘ATM Withdrawal’
• Enter Amount (The amount must be in multiples of ksh. 200)
• Create your ATM One Time PIN ( Enter a 4 digit PIN of your choice.
• Enter T- Kash PIN and press Send
• You will receive a notification SMS with a T- Kash Code from T- Kash. The T- Kash Code expires in 10 minutes. In this case of expiry you will be required to go through the ATM withdrawal process again.
• Phase 2 (At the ATM)
• Visit T- Kash partner ATM and Select preferred language
• Enter the T- Kash Code received in the previous stage
• Enter your ATM One Time PIN
• Enter the Amount you wish to withdraw and confirm by pressing ‘Continue’
• The ATM will dispense cash and issue a transaction receipt. You will also get a confirmation SMS from T- Kash.

• Yes, you can transfer money from your T- Kash account to your bank and vice versa.
• Please note that you will be required to visit the T- Kash partner bank and register for mobile banking to allow for bank to T- Kash tranfers.

• You can always change your PIN in case you suspect vulnerability with your account.
• There is no limit to the number of times you can change your PIN.
• It’s FREE to change your PIN.

• This scenario rarely occurs, however this could be due to the following reasons:
• Your SMS inbox could be full or you might have blocked SMS’s from T- Kash
• T- Kash platform could be having some delays

No, the E-value in your T- Kash account is safe. No one can access your account unless they know your T- Kash PIN. Your T- Kash account will be available to you once you replace your SIM card.

1. You do not need an agent number to withdraw cash from a T- Kash Agent.
2. If you visit an Agent who has insufficient funds and you have generated the T- Kash Code , you can visit any other T- Kash Agent near you to withdraw your cash.
3. Using the T- Kash Code reduces time taken at the Cashier Point when buying goods and services.
4. The T- Kash Code is not matched to any specific Agent outlet thus can be used at any T- Kash Agent outlet.
5. The T- Kash Code is unique and secure and can only be used once.
6. If you have money in your T- Kash account, you can generate many codes until your account balance reaches zero balance.
7. The T- Kash Code is generated when you want to withdraw cash at an Agent, at a ATM or when buying goods and services using your T- Kash service.
8. You can generate the T- Kash Code for someone else to use  buy goods and services.
9. When you generate a T- Kash code you can redeem it partially at an Agent or Merchant outlet.
10. It is free to generate a T- Kash Code.
11. You do not need a Till number to pay for goods and services.
12. The T- Kash code reduces errors since one cannot send e-money to the wrong till.
13. There is no need to wait for reversals as agent can perform deposit reversals within 10 minutes.
14. T- Kash code valid period is 10 minutes.
15. Generation of T- Kash code does not mean a payment has been effected the payment is effected when the code is redeemed at an agent/merchant outlet.
16. ATM transaction limits are a minimum withdrawal of KShs 200 and a maximum withdrawal of KShs 40,000.
17. Merchant transaction limits are a minimum payment of KShs  1 and a maximum payment of KShs  70,000.

The New Mzito will be available from the 5th of March 2021. Any purchase of Mzito 500 and 1000 will not expire. The customer will be able to fully utilize the available resources. Mzito 2000 will continue to expire after 30 days.

• *544# – My account
• Visit https://myaccount.telkom.co.ke

By dialing *544#

By dialing *131#

Data will be at pay as you go (PAYG) rate of 4.30/- per MB.

Yes, you earn Ziada points on the cost of the bundle.

• Dial *131#
• Go to my account on My Telkom app

• Yes, you can.
• For the daily SMS, the new subscriptions validity period takes precedence and the resources will accumulate.
• For the Monthly bundle, the new subscriptions validity period takes precedence and the resources reset.

•  You can purchase a new SMS bundle.
• If you don’t purchase a new bundle, SMS will be charged at the PAYG rate of Ksh 1.

You can cancel the auto renew by dialling *188#, and select unsubscribe (option 4).This will cancel the SMS offer you are subscribed to.

This prepaid product is a large cheap bundle that can be bought and used by 3 to 5 people. It is aimed at people who would like a large data bundle but cannot afford it on their own as individuals. They can come together to buy it and also use it together. For only Kes. 1,500, customers will get 100GB of data, 200 minutes On-net, 50 minutes off-net and 200 SMS, valid for 30 days with no rollover.

• A Nominator/ group leader will purchase the bundle through USSD code *444#.
• The nominator will first purchase the bundle. Then, the nominator will follow prompts and add up to 4 numbers of individuals who wish to subscribe to the Changa bundle service. The nominator’s number will be added automatically and they need not add their own number. The nominator will then be prompted to complete the group, then confirm the numbers added. After confirmation, the group will be set up within 24 hours from Monday – Friday. After group setup, the customers can start using the Changa Bundle.

Validity is limited to 30 days from the date of purchase with no roll over.

Yes. However, a subscriber can be in only one user group at a time.

• There are no restrictions. Each member can use as much or as little as they would like. Additionally, all group members will share the resources of the other group members. In addition to the Changa Bundle, all the other bundles and airtime of the group members that was purchased individually will also be accessible for use by the whole group.
• If a customer who is part of the Changa Bundle group buys a bundle, that bundle will also be available for the rest of the group members.
•  

The Bundle cannot rollover. Subscribers will have to purchase a fresh bundle. 

Any member of the group will be able to view the Bundle balance.

All members of the group can view group members by dialing *444# and following the prompts.

To dissolve the group, customers will call Customer care help lines through 100 to dissolve the group.

Ziada points will go to the nominator or purchaser.

• *544*0# – Select customers will have either of the bundles appear on their menu. They will be notified via SMS
• *231# – Whitelisted SSOs /Agents / TKL Shops will have the offer appear on their menus

• Newly recruited customers will be eligible for this offer and can be sold this bundle by the TKL Shops/ SSOs/Agents who will have the offer on their *231*1# menu
• Regular existing customers will not have a menu option to subscribe for the bundles but can be subscribed to the bundles by SSOs/ Agents /TKL Shops via the *231*1# menu.
• Targeted customers who will receive an SMS will have this offer available on their *544*0# menu

 Yes, you can subscribe to another bundle before the existing bundle expires. The resources will be accumulated and the validity will also extend appropriately

This is a product from Telkom which gives you data, voice minutes, and SMS in addition to personal accident and accidental death cover from Britam.

No. You get a new bundle every time you renew.

Up to Kes 20,000 per month.

The following activities are not covered: Aqualung diving, rugby, boxing, climbing and mountaineering necessitating ropes or guides, parachuting, polo, power boating, motor competitions and show jumping.

• All Outpatient;
• Client visits a Britam Panel hospital or hospital outside the panel.
• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client if the claim has been approved
• For approved claims, payment will be made to the client via mobile money up to the cover limit.

• Britam Panel Hospital- Inpatient only

• Client visits a Britam Inpatient Panel hospital.
• In the event of admission, the client presents a National ID to the hospital within 48 hours of hospitalization.
• Client calls Britam helpline to request for hospitalization approval.
• Britam sends authorization to the hospital up to the cover limit.

• Hospitalization Outside Britam Panel Hospitals- Inpatient

• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client that the claim has been approved or rejected.
• For approved claims payment will be made to the client via mobile money up to the cover limit.

• NOTE: Claims are done on a purely reimbursement basis. 

You can access over 400 hospitals countrywide based on the one which is convenient. A list of hospitals is available on the Britam website.

In case you visit any of the hospitals in our network, call 0709 165 000 to notify Britam who will then send a pre-authorization to the hospital for you to receive treatment. Note, you will be required to show your ID at the hospital.

All valid claims will be paid out within 5 working days with effect from the time the insurer receives all the required documents.

In the event of non-payment of premiums within 24 hours , all the above benefits shall lapse and become suspended.

• You can subscribe to the home bundles using any of these options :
• *544# – purchase Bundle for Homeplan number 
• *222# – Homeplan USSD
• Visit https://myaccount.telkom.co.ke

Once the data bundle allocation is exhausted, you will not be able to browse until you purchase another bundle.

Yes you can.

• 30 Days with the exception of the booster pack that is valid for 24hrs
•     90 days Home bundle is valid for 90 days

This is a 5GB bundle valid for 24hrs that costs Ksh.249. • It is meant to return the FUP speeds to full speeds for 24hrs.