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How do you pay your monthly bills to service providers? For me bill payments are a multi-step, very painful process. Let us say I want to pay my internet access bill to Zuku. This is what happens to me every month.

It starts with a reminder text from Zuku, at the most inopportune time, for example on a Tuesday at 10 am, while I am in a meeting. Like the typical notifications-loving millennial, I check the text. “Bah! It is Zuku. Nothing fun. My bill is due, I will pay later”.  Then I forget about it.

The next time I remember to make the payment is the following day, say at 7 am as I rush out of the house. I make a note to pay when I get to the office. I forget, until the morning the bill is due for disconnection when I scramble around to pay.

The actual payment process is a pain:

  1. I scroll back to the last payment text to check the account number, or I consult a Google Keep document which has all my bill numbers.
  2. If I went with the texts option, I keep scrolling to see if Zuku has recently sent us a text with their PayBill number (most times I do not find it)
  3. I make a note to save the number beside the account number on Google Keep (I forget to do it)
  4. I go through my handbag, trying to find my M-Pesa phone, which is different from my regular business line (hoping that my daughter returned it after she watched Peppa Pig last night 😀 )
  5. I find the phone. Unlock the business phone, check the two numbers again, then painstakingly input them into M-Pesa and finally, the bill is paid.
  6. At the end of the week, I update my expense tracking software with the payment

It is a slow, painstaking process that I have come to resent over time, to the extent of my internet getting disconnected because I keep procrastinating on payment. That separation between business and personal lines also means I cannot use the popular bill payments apps because my personal line does not host apps.

Buying electricity units is trickier for me. Since my M-Pesa line is ported from another service provider, Kenya Power tokens system does not recognize it, so when I pay for my tokens, I have to call to get the tokens manually.

Now what? Do I buy a new phone just for bill payments?

Turns out I no longer need to. The CBA Loop bill payments service does all the 6 steps above in one painless step. The app allows you to pay your DSTV, GOTV, Startimes, Zuku Fiber, Business Permits, Parking, NHIF, KPLC (both pre-paid and post-paid) and many other providers and it is linked to your Loop bank account and not a mobile service provider – meaning that you can use it on any phone.


The beauty of Loop is that I no longer need to remember the account number or the PayBill number for any of the providers. I just input all my account numbers once, and whenever I want to pay, the process is “one-click”. As a sucker for efficiency, what else could I ask for?

The bonus and sweetener for me is that the bill payments section is linked to the Personal Finance Manager, which automatically tracks my expenditure.

With Loop, I no longer need two phones and three apps (expense tracker, M-Pesa, and Google Keep), it is One Phone, One App.

Image: cbaloop

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About the Author

When I’m not here writing, I run Lattice Training, where we offer customized training solutions for businesses of all sizes, from startup entrepreneurs all the way to large corporations.
The aim of this blog is to simplify personal finance. I write about budgeting, personal finance, management and doing business in Kenya, in a way that everyone will understand.

If you have questions or would like to get in touch with me, leave your details on the form below, and I will get in touch. Thanks for reading.

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