Timiza by Absa – review 2026

4,0 / 5

Timiza is a mobile banking app by Absa Bank Kenya that provides instant loans of between KES 200 and KES 150,000, alongside savings and insurance products. Loan eligibility is determined by M-Pesa usage history and, for existing Absa customers, banking history. Timiza loans are available 24 hours a day with disbursement to M-Pesa or the Timiza wallet.

Pros

Higher loan ceiling of KES 150,000 versus most app competitors
Combined app offering loans, savings and insurance
Backed by Absa Bank, a CBK-regulated institution
Available to both Absa customers and non-customers
Instant disbursement to M-Pesa or Timiza wallet

Cons

Non-Absa customers have lower initial loan limits
Fees translate to a high effective annual rate for short tenors
App requires stable internet connection
Customer service has received mixed reviews
Defaulting leads to CRB listing and Absa blacklisting

Requirements

Kenyan national ID
Active M-Pesa account
Minimum age of 18 years
Timiza app installed on smartphone
Regular M-Pesa transaction history

Company information

Name: Absa Bank Kenya Limited
Address: Absa Towers, Loita Street, P.O. Box 30120-00100, Nairobi, Kenya
Web: https://timiza.absa.co.ke

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.