The M-KOPA

M-KOPA gives you more than a phone. Unbox a sleek and modern design just for you.

Get the X20

Moments, beautifully captured.

Massive 50MP camera for stunning selfies.

Every detail
comes to life.

Crisp & clear visuals with HD+ resolution.

6.56 inch
Display
256 GB
Storage

Extraordinary.
With stand-out features.

STORAGE
Pro-level speed & space - 6GB RAM + 256GB storage.
BATTERY LIFE
Epic 59 hours battery life.
OS
Powered by Android™ 14 for unmatched performance.
SECURITY
Seamless side fingerprint sensor & face recognition.
COLOURS
Vibrant colours, for you.
DESIGN
Flawless design, perfect for every lifestyle.
CONNECTIVITY
Blazing-fast wireless connectivity.

Simu bora kutoka kwa kampuni unayoiamini.

The X20 is dust and splash resistant. Get it and unbox with the following: SIM pin, C-type USB cable, charging adapter, free case, screen protector and user guide.

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X20 –– More Than a Phone

Fungua manufaa zaidi. Fanya malipo kwa wakati. The M-KOPA X20 smartphone connects you to a world of benefits. Pay well, pay everyday to maintain your benefits and unlock more.

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Digital Loans

Pay well, Pay everyday to unlock access to digital loans after three months. T&Cs apply.

Health Cover

Get hospital cover with your smartphone.

Device Protection

Stay connected and do more with device insurance when you need it.

Affordable Data

Stay online when you need to. Do more with affordable data bundles.

Smart X20,
Smart money.

M-KOPA gives flexible daily payments for the everyday earner, making it easier to own devices and unlock progress.

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Safe & trusted 
payment options

Pay using M-PESA

Get a new smartphone with affordable daily payments today. Pay daily with our official M-KOPA Pay Bill Number - 333222, tagging your ID as the account number, and own your dream, sophisticated phone.

Note: M-KOPA does not accept any cash payments.

M-KOPA in-app payment

Initiate effortless in-app payment by:

  1. Signing into the M-KOPA app.
  2. Tapping the 'Make Payment' button and following the prompts.

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Note: M-KOPA does not accept cash payments.

M-KOPA stores and agents do not accept cash and you should never ask for payment outside of the approved payment channels.

Sell smart, earn big.

Join M-KOPA as a sales agent and start earning commissions. Waweza fanikiwa zaidi.

Be an Agent

Frequently Asked Questions

What are the benefits of getting the M-KOPA X20?
How do I make payments on the M-KOPA X20?
How do I unlock the M-KOPA X20 after making payments?
Are there software updates available on the M-KOPA X20?
What are the benefits of the free health insurance cover that comes with the M-KOPA X20?
Does this M-KOPA insurance cover family members?
How do I claim for the M-KOPA X20 insurance in-patient cover?
How long does it take to get a claim paid? And how will it be received?
What if I can't afford hospital bills at the time of hospitalisation? Can I qualify for cash upfront?
What is the device protection benefit that comes with the M-KOPA X20?
What do you do when your device is stolen?
My phone was stolen, what is the M-KOPA process for replacement?
How do I qualify for a cash loan?
Can I make a claim for any of the device protection benefits immediately after purchasing the M-KOPA X20?
Is the device protection benefit free for me?
What is required for me to make a claim for the M-KOPA X20 broken screen repair?
What is required for me to make a claim for a stolen M-KOPA X20 replacement?
How long should I wait to have a replacement of a stolen M-KOPA X20 or have a broken screen repaired?
How do I maintain access to all these X20 benefits?

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M-KOPA, the M-KOPA logo and all other M-KOPA marks contained herein of are trademarks of M-KOPA Holdings Limited and affiliated companies.
All other marks contained herein are the property of their respective owners.

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