Bayes is a cutting edge Digital mobile lending and Payments application that allows customers to borrow micro loans, send money to each other, schedule & pay bills, pay merchants among other many features.

With our 24/7 customer support, fast and easy account opening processes and unique tools that keep up with your lifestyle, we ensure efficiency, transparency, security and control of your finances anywhere anytime. Our primary focus is to provide solutions to your financial challenges rather than offer you financial products.

Bayes offers a simple registration and loan application process, after which you receive your loan straight to your Bayes Wallet or M-Pesa account.

Bayes allows Kenyans to access:

• Cash credit (micro loans)
• Airtime Purchase
• Send money to mobile money accounts & banks
• Pay merchants
• Manage and pay utility bills (including but not limited to- buying tokens, paying water bills, cable subscription renewals etc.)

Enjoy micro-loan offers  of up to 50,000Kshs based on credit limit growth through responsible borrowing and timely repayments. Repayments are done via the Bayes Paybill number 599862; customers use their ID/Phone Number as the account number.

Bayes is all about efficiency, transparency and control. It offers customers a preference to access their Bayes account via USSD code *879*88#.

Essentially, it’s your must have financial partner, a partner who travels with you everywhere you go, built to give you the opportunity to enjoy a healthy financial life, and reap from your investment at the touch of a button. It is the change engineered to help you manage your money now, and is smart enough to “see” into the future in cognizance of your lifestyle. This mobile account is all about efficiency, transparency and control.