Built for Tanzania Imejengwa kwa Tanzania

Your money,
your people,
your life
Pesa yako,
watu wako,
maisha yako

Send, save together, and pay for what you love — all from one app built for Tanzania. Tuma, okoa pamoja, na lipa unavyopenda — yote katika programu moja iliyojengwa kwa Tanzania.

FIKA Home Screen
Licensed by Bank of Tanzania Imeidhinishwa na Benki Kuu ya Tanzania
Backed by Habib African Bank Ltd Inayoungwa mkono na Habib African Bank Ltd
Powered by TIPs — Tanzania Instant Payment Inayoendeshwa na TIPs — Malipo ya Papo Hapo Tanzania
Available on iOS & Android Inapatikana kwenye iOS & Android

Send. Save.
Pay. Sorted.
Tuma. Okoa.
Lipa. Tayari.

Send money to your family, save with your friends, pay your subscriptions — FIKA handles it all, simply. Tuma pesa kwa familia, okoa na marafiki, lipa michango yako — FIKA inashughulikia yote, kwa urahisi.

Kibubu

Save together with the people you trust — for rent, a wedding, school fees, or whatever comes next. Okoa pamoja na watu unaowatumainia — kwa pango, harusi, ada za shule, au lolote linalokuja.

Community Savings Akiba ya Jamii

Duka

Pay for your favourite apps and subscriptions in TZS — Netflix, Spotify, gaming credits and more. No foreign card needed. Lipa programu na michango unayoipenda kwa TZS — Netflix, Spotify, mikopo ya michezo na zaidi. Bila kadi ya kigeni.

Digital Marketplace Soko la Kidijitali

Instant Transfers Uhamisho wa Haraka

Send money to anyone, in any bank or mobile wallet in Tanzania. Lands in seconds — day or night. Tuma pesa kwa mtu yeyote, katika benki yoyote au mkoba wa simu Tanzania. Inafika kwa sekunde — usiku au mchana.

Any bank · Any wallet · Instant Benki yoyote · Mkoba wowote · Papo hapo

Virtual & Physical Card Kadi ya Dijitali & Halisi

Your own FIKA card — shop online or in-store, anywhere Visa is accepted. Control it all from the app. Kadi yako ya FIKA — nunua mtandaoni au madukani, popote Visa inakubaliwa. Idhibiti yote kutoka programuni.

Coming Soon Hivi Karibuni
Kibubu visual

Save with your
people
Okoa pamoja na
watu wako

Tanzanians have always looked out for each other — pooling money for rent, weddings, school fees, and celebrations. Kibubu brings that to your phone: transparent, automatic, and always on time. Watanzania wamekuwa wakijali kila mmoja wao — wakikusanya pesa kwa pango, harusi, ada za shule, na sherehe. Kibubu inaleta hilo simu yako: wazi, ya kiotomatiki, na kwa wakati.

Invite your people Alika watu wako

Add the people you trust — family, friends, colleagues, neighbours. Set a goal and invite everyone with one link. Ongeza watu unaowatumainia — familia, marafiki, wenzako, jirani. Weka lengo na alika wote kwa kiungo kimoja.

Automatic contributions Michango ya kiotomatiki

Choose when everyone contributes and FIKA takes care of the rest — reminders, auto-debit, no chasing. Chagua wakati kila mtu anachangia na FIKA inashughulikia mengine — vikumbusho, malipo ya kiotomatiki, hakuna kufuatilia.

Full transparency Uwazi kamili

Everyone sees everything, in real time. No surprises, no missing money — just a group that can trust each other. Kila mtu anaona kila kitu, kwa wakati halisi. Hakuna mshangao, hakuna pesa iliyopotea — tu kikundi kinachoweza kuaminiana.

FIKA Card —
physical & virtual
Kadi ya FIKA —
ya kimwili & ya dijitali

Your FIKA card is on its way. Physical and virtual — shop online or in-store, anywhere Visa is accepted. Be the first to know when it drops. Kadi yako ya FIKA iko njiani. Halisi na ya dijitali — nunua mtandaoni au dukani, popote Visa inakubaliwa. Kuwa wa kwanza kujua inapoanzishwa.

Physical card — delivered to your door Kadi ya kimwili — ifiwe mlangoni kwako
Virtual card — issued instantly on the app Kadi ya dijitali — hutolewa mara moja kwenye app
Use globally — anywhere Visa is accepted Tumia duniani kote — popote Visa inakubaliwa
Freeze, unfreeze & set limits from your phone Ganda, fungua & weka mipaka kutoka simu yako
FIKA Card Visual

Send money
anywhere, instantly
Tuma pesa
popote, papo hapo

Send money to anyone in Tanzania and it arrives in seconds — to any bank account or mobile wallet. Safe, instant, and available around the clock. Tuma pesa kwa mtu yeyote Tanzania na inafika kwa sekunde — kwa akaunti yoyote ya benki au mkoba wa simu. Salama, ya haraka, na inapatikana saa zote.

Regulated by the Bank of Tanzania · Safe & secure Imedhibitiwa na Benki Kuu ya Tanzania · Salama

Fika to Fika Fika hadi Fika

Between FIKA accounts — free and instant Uhamisho wa haraka na bila malipo kati ya akaunti za Fika

Fika to Other Bank Fika hadi Benki Nyingine

To any Tanzanian bank — arrives in seconds Hamisha pesa kwa benki yoyote ya Tanzania

Fika to Mobile Money Fika hadi Pesa za Simu

To any mobile wallet — wherever they are Tuma moja kwa moja kwa M-Pesa, Airtel Money, na zaidi

FIKA Transfer Money

Your money is safe with us Pesa yako iko salama kwetu

Your money is backed by Habib African Bank Ltd — fully licensed in Tanzania. You get the safety of a real bank with the speed of an app. FIKA inayoendeshwa na Habib African Bank Ltd — benki ya Tanzania iliyoidhinishwa na kudhibitiwa kikamilifu — inakupa ulinzi na imani ya benki ya kawaida kwa kasi ya kidijitali.

Bank-Grade Security Usalama wa Kiwango cha Benki

Every transaction is protected with encryption, 3D Secure authentication, and real-time fraud monitoring. Usimbaji wa SSL wa biti 256, uthibitishaji wa 3D Secure, na ufuatiliaji wa udanganyifu wa wakati halisi hulinda kila muamala.

Biometric Authentication Uthibitisho wa Biometriki

Sign in and approve payments with your fingerprint or Face ID. Your biometrics stay on your phone — always. Ingia na uthibitishe uhamisho kwa kutumia alama ya kidole au Face ID. Biometriki zako hazitoki kwenye kifaa chako.

Powered by Habib African Bank Ltd Inayoendeshwa na Habib African Bank Ltd

Your funds are held and protected through Habib African Bank Ltd, licensed by the Bank of Tanzania. Fedha zote zinashikiliwa na kudhibitiwa kupitia Habib African Bank Ltd, iliyoidhinishwa kikamilifu na Benki Kuu ya Tanzania.

Powered by Inayoendeshwa na
Habib African Bank Ltd
Licensed · Regulated · Bank of Tanzania Imeidhinishwa · Imedhibitiwa · Benki Kuu ya Tanzania

Your favourite apps,
paid your way
Programu unazozipenda,
lipa unavyotaka

Pay for Netflix, Spotify, gaming credits, and more — straight from your FIKA balance, in TZS. No foreign card, no fuss, no extra charges. Lipa Netflix, Spotify, mikopo ya michezo, na zaidi — moja kwa moja kutoka salio lako la FIKA, kwa TZS. Bila kadi ya kigeni, bila ugumu, bila ada za ziada.

Netflix
Spotify
Amazon
PUBG
Free Fire
+ many more + na zaidi
Explore Duka Chunguza Duka
Duka feature

Open your account
in under 5 minutes
Fungua akaunti yako
kwa chini ya dakika 5

No queues. No paperwork. Just your phone, your ID, and a few taps. Hakuna kutembelea tawi. Hakuna karatasi. Tu simu yako, kitambulisho chako, na mabonyezo machache — na unaweza kufanya benki na FIKA.

1

Download the app Pakua app

2

Verify your identity Thibitisha utambulisho wako

3

Add funds & start banking Ongeza fedha na uanze benki

Why FIKA? Kwa Nini FIKA?
Instant account opening Ufunguzi wa akaunti wa papo hapo
Live in under 5 minutes Hai kwa chini ya dakika 5
24/7 banking Benki saa 24
No closing hours, ever Hakuna muda wa kufunga kamwe
Backed by Habib African Bank Ltd Inayoungwa mkono na Habib African Bank Ltd
BoT licensed & regulated Imeidhinishwa na BoT
Zero account fees Hakuna ada za akaunti
Free to open, free to maintain Bure kufungua, bure kudumisha
Open Account Free Fungua Akaunti Bure
Start banking today Anza benki leo

Ready to bank
with FIKA?
Uko tayari kuanza
na FIKA?

Your money, your people, your life. Download FIKA and be up and running in minutes. Pakua app ya FIKA leo na upate uzoefu wa benki iliyoundwa kwako — jasiri, haraka, na kwa fahari Tanzania.

Powered by Habib African Bank Ltd · Licensed by Bank of Tanzania Inayoendeshwa na Habib African Bank Ltd · Imeidhinishwa na Benki Kuu ya Tanzania