This is an electronic banking service designed to bring basic banking access and functionality as well as other value-added services, to customers and non – customers on any mobile phone. One does not need to have a smartphone to access this service.
The product uses USSD technology that permits users with a varying range of mobile devices access to the Bank’s services.



  • It allows checking account balance and viewing of mini-statement
  • Users are able to purchase Mobile airtime Top-Up (MTN, Tigo, or Vodafone) for themselves or for others
  • Funds Transfer – Users can transfer funds between accounts within Nzema Manle Rural Bank and to other banks
  • Mobile Money Services – this allows for an account to wallet transfers, wallet to account transfers, linking your wallet to your Nzema Manle account
  • Make payments to merchants – for example pay school fees, church tithe, tickets, etc. and many more of your favorite merchants from your bank account (Nzema Manle Rural Bank customers) and from your mobile money wallet (both customers and non – customers)



  • The convenience of conducting banking transactions and access many other services anywhere from a mobile phone
  • Does not require a special phone to access the service
  • Allows 24/7 access to account
  • Send money to your loved ones and business partners for all networks without visiting a banking hall or mobile money agent
  • Easily make payments for your favorite goods and services right from your mobile phone
  • Make transfers between accounts and mobile money wallets at any time
  • Talk unlimited by buying airtime any time you run out, right from your phone