Frequently asked questions
No – e-chama does not offer any other financial services such as saving and lending.
No, you cannot get any loan from e-chama.
You can access the platform through an invite code from your upline, USSD code or the E-chama APP or click here to join through the website. Follow the menu prompts to complete your registration.
Yes you can register without an invitation code.
To registers as a Principal Member, deposit either Ksh.1,000, 2,000 or 3,000 depending on the plan you chose to your newly created e-chama account Invitation code from the person who invited you to e-chama, your ID and phone number (number must be registered on m-pesa).
Ensure you have at least 5 shillings on your line before registration to avoid errors. If you still get an error message, it means that the network is busy, take some time before you try again.
Your phone number being your unique identifiers – you can only register once for any level; it is only after you have completed level 4 that you can re-register to start from level one.
Once you register your first four, DON’T STOP introducing more people to your business. This will make you earn more from ‘new-member’ introduction bonus and help your team grow faster hence making you earn more from e-chama.
Yes, although your new invitees are registered under your downlines, you still earn the Introducer's bonus, you also benefit from their contributions to your downlines since its supports them to qualify for next levels faster – Remember, they contribute to you for them to qualify to move to next levels.
No, you can only earn from a level once.
Your earnings from e-chama are dependent on how many new registrations you make as an individual and your team’s activity. So, if you don’t register new members or if your team members are not active then you cannot earn from e-chama.
You only qualify to earn from a particular level when all requirements are met as explained in the ‘Highlights’ section under ‘Opportunity’ section.
If your account remains inactive for more than six months, you will a notification requesting you to either activate or de-activate your account.
You start earning from e-chama immediately you register your first team member. Please note that theIntroducers's bonus is paid to your e-chama wallet instantly while earning from members' contribution is dependent on meeting the set requirements.
To deactivate your e-chama account, select the deactivate button, you will receive a notification from e-chama asking you to confirm your request, enter the code given and confirm action.
Yes, you must propose a next of kin. Incase of death or incapacitation, the next of kin receives the money in your e-wallet based on the provisions in the terms and conditions section.
To withdraw your earnings, select ‘Transfer funds’, follow instructions and transfer money to your Mpesa account.