Author
Sarah Andrew was born in the UK and lives in Kenya, where she runs six businesses across East Africa. She writes SwiftPesa's guides from the business owner's side of the counter - taxes, payments, suppliers and side ventures she deals with herself - so the advice is practical and local.
Sarah Andrew was born in the UK and lives in Kenya, where she runs six businesses across East Africa, which means much of her week goes on the same things SwiftPesa readers ask about: registering companies, paying staff and suppliers, filing taxes, moving money between mobile money, banks and clients abroad, and deciding where the next shilling should go.
She started SwiftPesa because most money advice Africans find online is written for America or Europe. It assumes a pension plan, a credit score and a bank that answers the phone. The guides here start from how money actually works in Kenya, Nigeria, South Africa, Ghana, Uganda, Tanzania and beyond.
Spotted an outdated figure or a mistake? Email hello@swiftpesa.co.ke and it will be checked and fixed.
Uganda has nine licensed life insurers, but none publish a price list. See what mobile money cover, Jubilee's savings plan and full policies cost you.
10 Nov 2026 · 8 min read
Uganda doubled its VAT registration threshold to UGX 300 million in July 2026. Here is the 18% rate, who must register, and how to file with URA.
10 Nov 2026 · 8 min read
Renewing a Zambian driving licence costs K312, or K398 once expired. Every RTSA licence fee for 2026: new, lost, foreign conversion and IDP.
9 Nov 2026 · 6 min read
Compare Grey, Chipper Cash, Payoneer and Kenya's M-PESA GlobalPay card for paying Upwork Connects and ad spend in dollars, fees checked November 2026.
9 Nov 2026 · 8 min read
Fahari Afya covers a Tanzanian household of six for TZS 150,000 a year. See NHIF package prices, registration steps and private insurance options.
9 Nov 2026 · 8 min read
Mixx by Yas (ex-Tigo Pesa) charges TZS 30 to send TZS 1,000 to another wallet, but TZS 310 to withdraw it in cash. See the full 2026 tariff table for Tanzania.
8 Nov 2026 · 5 min read
How to register for Airtel Money in Tanzania, what the government e-money levy adds to a transaction, and the real way to reverse a wrong payment.
8 Nov 2026 · 5 min read
A licensed Ugandan loan app can't charge more than 2.8% interest a month. See how to check if yours is licensed, and the dozens UMRA has already banned.
7 Nov 2026 · 9 min read
A five-year car driving permit in Uganda costs UGX 330,000, and motorcycle riders pay less to renew. See every class, fee and how to apply in 2026.
7 Nov 2026 · 7 min read
Uganda still has no national health scheme. See what AAR, Jubilee, Old Mutual and Stanbic charge for private health cover in 2026, and how to pick a plan.
6 Nov 2026 · 10 min read
How to register for a TIN with Revenue Services Lesotho: the individual and business eRegistration forms, documents to attach, eFiling and VAT.
6 Nov 2026 · 5 min read
Omang renewal costs P5 in Botswana, and a lost or stolen card costs P110. Requirements, photos, office hours and how long the new card takes.
6 Nov 2026 · 5 min read
Botswana passport fees are P260 for adults and P100 for children until 31 December 2026, then P400 and P200. What to bring and how to apply.
5 Nov 2026 · 5 min read
What an ordinary, express or renewed Uganda passport costs in 2026, where the money goes, and how to pay by PRN, card or mobile money without delays.
5 Nov 2026 · 7 min read
What it costs to search, transfer and register a land title in Uganda in 2026: the fees, the proposed hikes, and mistakes that cost buyers far more.
5 Nov 2026 · 9 min read
A house in Tanzania costs roughly TZS 800,000-1.6 million per square metre to build in 2026. See current cement, steel prices and Dar vs upcountry costs.
4 Nov 2026 · 11 min read
Opening a stokvel account in South Africa needs signatories, a constitution and ID copies. Compare Absa, Standard Bank and FNB requirements and fees.
4 Nov 2026 · 8 min read
How to get your ZIMRA TIN on TaRMS: claim it with your old BP number, register as a new taxpayer, find a lost TIN, and fix common registration errors.
3 Nov 2026 · 5 min read
Miss KRA's filing deadline and the penalty, interest and consequences stack up fast. Here is what you owe in Kenya and how to clear it before it gets worse.
3 Nov 2026 · 8 min read
A Lesotho passport costs M130 (32 pages) or M630 if urgent. What to bring for adults and children, how to check your status online, and every district office.
3 Nov 2026 · 5 min read
You can't trade directly on the Nigerian Exchange. Here's how to open a broker and CSCS account, what NGX actually charges, and mistakes to avoid in 2026.
3 Nov 2026 · 8 min read
How to get a BURS tax clearance certificate for tenders in Botswana: what each section of the form asks, how long it lasts, and how to verify a TCC online.
3 Nov 2026 · 6 min read
How to get a ZRA tax clearance certificate in Zambia: who needs one, how to apply and download it free on TaxOnline, how long it lasts, and why ZRA refuses it.
2 Nov 2026 · 5 min read
A Zimbabwe passport costs US$170 (about 7 working days) or US$270 for an emergency passport (48 hours). What to bring for adults and children, and how to apply.
2 Nov 2026 · 5 min read
How to get a ZRA TPIN in Zambia: check for an existing TPIN with your NRC, register online for free, and download your TPIN certificate from TaxOnline.
2 Nov 2026 · 6 min read
The low-capital businesses actually working in Ghana right now, what each needs, and the real registration and tax costs most lists skip over.
2 Nov 2026 · 9 min read
PayPal in Zambia lets you pay online but not receive money or withdraw to a bank, Airtel or MTN. How Zambian freelancers get paid instead, with real costs.
1 Nov 2026 · 4 min read
A lost title deed in Kenya costs about KES 1,000 to replace but takes at least 60 days by law. Here's what a first or inherited title deed costs too.
1 Nov 2026 · 8 min read
Register a business name in Zambia with PACRA for about K333: name clearance, BN Form III, online steps, annual returns and business name vs company.
1 Nov 2026 · 6 min read
Real online jobs Nigerians can do today, from freelancing to tutoring, how the money lands in your account, and the red flags that mean an offer is a scam.
1 Nov 2026 · 9 min read
PayPal's Malawi site shows business tools, but Malawi isn't on PayPal's receive-and-withdraw list, so local bank withdrawals aren't possible. What works.
1 Nov 2026 · 4 min read
You can buy JSE shares yourself through an app like EasyEquities for about 0.63% in total fees, starting from R5, with no stockbroker required.
1 Nov 2026 · 10 min read
Payoneer works in Cameroon for Upwork and Fiverr pay. Withdrawing costs 1.2%–4%, and the CFA franc's euro peg lets you check exactly what you pay.
31 Oct 2026 · 4 min read
Register a company in Botswana on CIPA's OBRS for P380, or a business name for P170. Documents, step-by-step process, name rules and the annual return trap.
31 Oct 2026 · 7 min read
Starting a business in Uganda does not need millions. See what mobile money, boda boda, poultry and other low-capital businesses really cost to start in 2026.
31 Oct 2026 · 9 min read
PayPal in Zimbabwe is send-only: no receiving and no withdrawals to EcoCash or an FCA. How Zimbabweans actually get paid from abroad, with real 2026 fees.
31 Oct 2026 · 4 min read
Cheapest way to send money to Liberia from the US: Sendwave charged $1.89 on $100 vs Remitly's $6.99, paid in US dollars. Plus the 2% cash-out fee.
30 Oct 2026 · 4 min read
A land search on Ardhisasa costs KES 1,000 and shows who owns a plot and any charges on it. How to run the search, and spot a fake title deed.
30 Oct 2026 · 8 min read
An ITF263 stops customers withholding 30% of what they pay you. ZIMRA now issues it automatically through TaRMS, free. How to qualify, renew and verify one.
30 Oct 2026 · 6 min read
Six small businesses you can realistically start in Tanzania in 2026, with registration costs, 2026 tax changes and who the law now reserves them for.
30 Oct 2026 · 9 min read
Payoneer works in Zambia, but withdrawing to a local bank costs 1.2%–4% on top of a 1% receiving fee. Setup, real costs and when a direct transfer is cheaper.
30 Oct 2026 · 4 min read
A full comparison of Ghana's biggest unit trusts and mutual funds: real September 2026 returns, fees and minimums, plus how to start investing from GH₵50.
30 Oct 2026 · 9 min read
PayPal in Namibia lets you pay and send, but not receive or withdraw. No 2026 launch has been announced. What freelancers use instead, with real costs.
29 Oct 2026 · 4 min read
Building a house in Zimbabwe costs about US$300–750 per m² in 2026. What 2-, 3- and 4-bedroom houses cost, rural vs urban, cement and hidden extras.
29 Oct 2026 · 5 min read
Cheapest way to send money to Sierra Leone: Sendwave vs Remitly from the UK and US on live rates. What arrives in leones, fees and cash-out costs.
29 Oct 2026 · 5 min read
Grey can land a $2,000 payment for about $16 in fees. Payoneer can take $100 for the same amount. 2026 costs for Grey, Payoneer, Wise and domiciliary accounts.
29 Oct 2026 · 8 min read
Buy Malawi treasury bills from MK10,000 with an RBM bid form via your bank. Latest rates (16% for 364 days), returns after 20% tax, and NOCOB bids.
28 Oct 2026 · 5 min read
Buy Zambian treasury bills from K1,000 on the Bank of Zambia Investor Portal. Latest rates (10% for 364 days), returns after 15% tax, and how to bid.
28 Oct 2026 · 6 min read
Building a house in Kenya costs KES 25,000 to 95,000 per square metre in 2026, depending on finish and location. See the full rate table and budget your plan.
28 Oct 2026 · 7 min read
ZRA Smart Invoice is free and required for VAT businesses since October 2024. How to register, which option to choose, offline rules and penalties.
28 Oct 2026 · 6 min read
You can start a unit trust in South Africa for R500 a month, or no minimum at all on some platforms. See what it costs, how it's taxed and how to choose one.
28 Oct 2026 · 8 min read
Liberia income tax 2026: nil to L$70,000 a year, then 5%, 15% and 25%. What US dollar salaries really pay, NASSCORP at 4%, and when payroll tax is due.
27 Oct 2026 · 5 min read
OPay accounts are free to open, but real limits depend on your BVN or NIN. Here's how tiers, transfer fees, the debit card and OWealth savings work in 2026.
27 Oct 2026 · 8 min read
MTN MoMo charges in Rwanda 2026: withdrawing Rwf 10,000 costs Rwf 275. Interoperable eKash transfers are capped at Rwf 20 since July 2026. Full fee tables.
27 Oct 2026 · 6 min read
What a bedsitter or one-bedroom rental unit costs to build in Kenya in 2026, typical rent by area, KRA rental income tax and a payback-period table.
27 Oct 2026 · 11 min read
Lesotho PAYE 2026/27: 20% up to M6,480 a month, 30% above, minus a M1,020 tax credit. No PAYE below M5,100. Worked examples and take-home pay tables.
27 Oct 2026 · 4 min read
Registering a business with URSB online costs UGX 90,000 for a business name and from UGX 140,000 for a company, as of October 2026. Full steps and fees.
27 Oct 2026 · 8 min read
IMTT in Zimbabwe 2026: 2% on USD, 1.5% on ZiG. Who charges it, what's exempt (salaries, ZIMRA payments, securities), 2026 changes and legal ways to pay less.
26 Oct 2026 · 5 min read
From 31 December 2026, nine kinds of payment in Tanzania, like school fees, hotels and land, must be electronic. Cash stays legal for everything else.
26 Oct 2026 · 8 min read
NAPSA partial withdrawal: take 20% of your contributions once if you're under 60 with 60 monthly contributions or aged 45+. Tax-free. The 30% isn't open yet.
26 Oct 2026 · 6 min read
GRA's VAT reform took effect 1 January 2026: NHIL and GETFund stopped stacking on VAT, cutting the real rate from 21.9% to 20%. Here's who must register now.
26 Oct 2026 · 5 min read
Mobile money cash-out in Liberia costs 2% on every network since the CBL's August 2025 rule. Orange Money sends are free. Fees in USD and LRD, with examples.
26 Oct 2026 · 6 min read
See how a South African retirement annuity cuts your tax bill, when you can access it, and how to compare providers on real cost instead of marketing.
25 Oct 2026 · 10 min read
eWallet charges in Namibia from July 2026: FNB N$12–N$40, Bank Windhoek EasyWallet N$14–N$41.50. Withdrawal fees, limits, reversals and how to pay less.
25 Oct 2026 · 5 min read
BURS PAYE 2026: nil up to P48,000 a year, then 5% to 25%, and a new 27.5% band above P400,000 from 1 July 2026. Monthly tables, worked examples and net pay.
25 Oct 2026 · 5 min read
Moniepoint accounts are free to open with just a BVN or NIN. Since January 2026, transfers over ₦10,000 also carry a ₦50 stamp duty and 7.5% VAT.
25 Oct 2026 · 6 min read
MTN MoMo and Orange Money charges in Cameroon 2026: transfers cost only the 0.2% + 4 FCFA tax; withdrawals 1% plus tax. Full tables, limits and examples.
25 Oct 2026 · 7 min read
KRA's Finance Act 2026 powers let it freeze accounts over unpaid housing levy, but a viral warning graphic was fake. Here is what is real and how to check.
25 Oct 2026 · 8 min read
Pochi la Biashara lets you take business payments on your own M-Pesa line. See the 2026 charges, the account limit, and how to register and withdraw.
25 Oct 2026 · 9 min read
Afrimoney sends are free in Sierra Leone; cash-out costs NLe 0.52 to NLe 172.50 with GST. Orange Money's 1% cash-out vs its published table, explained.
24 Oct 2026 · 7 min read
A Tax Clearance Certificate in Nigeria has no application fee. What it costs is the tax you owe. Here's how to get one through NRS Rev360 or LIRS in 2026.
24 Oct 2026 · 7 min read
Namibia PAYE 2026/27: nil to N$100,000 a year, then 18% to 37%. N$30,000 a month pays N$5,150. Pension deductions, Social Security and net pay.
24 Oct 2026 · 5 min read
Orange Money charges in Botswana: P6 flat to send, P6–P114 to cash out. MyZaka: P5 to send, P6–P175 to withdraw. Above P2,000, Orange is much cheaper.
24 Oct 2026 · 7 min read
Work out roughly what UIF will pay you each month, how your credit days add up, and how to claim online or at a labour centre in South Africa in 2026.
24 Oct 2026 · 8 min read
Buy Treasury bills or bonds in Uganda from UGX 100,000 through a primary dealer bank. Here's the step-by-step process, current rates and the tax you'll pay.
23 Oct 2026 · 8 min read
ZIMRA PAYE tax tables for 2026: US$100 tax-free, 20%–40% bands, ZWG 2,800 tax-free in ZiG, plus 3% AIDS levy. How to use the deduct column, with net pay tables.
23 Oct 2026 · 6 min read
DSE shares need a CDS account with a licensed broker and cost up to 2.3768% in fees. Here is how to open one, place an order and what tax you will pay.
23 Oct 2026 · 8 min read
Malawi PAYE for 2026: 0% up to MK170,000, then 30%, 35% and 40%. The 25% band is gone, so earners above MK270,000 now pay more. Tables and worked examples.
23 Oct 2026 · 5 min read
Zambia PAYE for 2026: 0% up to K5,100, then 20%, 30% and 37% above K9,200. Worked examples, NAPSA (max K1,861.80), NHIMA and net pay tables from ZRA's guide.
23 Oct 2026 · 7 min read
To convert old leones to new leones, divide by 1,000: Le 10,000 old is Le 10 new. Conversion tables, SLL vs SLE, notes and coins, and old note deadlines.
22 Oct 2026 · 6 min read
M-Pesa Lesotho charges for 2026: M1.16 to send and M1.84 to withdraw up to M50, 0.25%/0.35% above M5,000. EcoCash Lesotho fees compared side by side.
22 Oct 2026 · 8 min read
Register for NHIS in Ghana with your Ghana Card, renew by dialling *929# for a small fee, and see exactly what the scheme covers, checked October 2026.
22 Oct 2026 · 8 min read
EcoCash charges for 2026: 1.3% to send plus 2% IMTT in USD (1.5% in ZiG), 1.7% to cash out, free under US$5. Full tables, bank transfers and tips.
22 Oct 2026 · 8 min read
KRA is waiving 100% of penalties and interest on tax debts to December 2025 under its 2026 amnesty, but not the principal tax. Who qualifies and how to apply.
22 Oct 2026 · 6 min read
Airtel Money charges in Zambia for 2026: withdrawal fees from K2.50 to K60, sending costs with the new government levy, bank transfers, limits and MTN tips.
21 Oct 2026 · 9 min read
Yes, Nigerian freelancers pay tax on dollar income, through self-assessment rather than PAYE. See how much, who you pay and how to file in 2026.
21 Oct 2026 · 10 min read
Freelancers and side hustlers become SARS provisional taxpayers from the first rand earned, not after R30,000. Deadlines and penalties, checked Oct 2026.
21 Oct 2026 · 9 min read
SHA pays KES 2,240–4,480 a day for hospital beds, capped at 180 days. See what SHA covers and whether you still need private medical insurance in Kenya.
21 Oct 2026 · 8 min read
Rev360 replaced TaxPro Max on 30 April 2026. How existing NRS taxpayers log in, how new taxpayers register, and what to do if your email never arrives.
21 Oct 2026 · 6 min read
From 1 January 2027, Bank of Uganda caps cash withdrawals: UGX 50 million a day for individuals, UGX 500 million a day for businesses, checked October 2026.
20 Oct 2026 · 7 min read
Buy Tanzania Treasury bonds from TZS 1 million through Bank of Tanzania auctions: current coupon rates, tax rules and CDS account steps, checked October 2026.
20 Oct 2026 · 9 min read
What a bill of quantities for a typical 3-bedroom bungalow in Kenya covers: the share of the budget each building phase takes, every material on the list, and how to get the exact quantities for your plan.
20 Oct 2026 · 5 min read
How to get your M-Pesa statement on *334# or the M-PESA app, where the password comes from, what to do if it won't open, and how to use it for a loan, your KRA return or a budget.
20 Oct 2026 · 5 min read
A mid-market 3-bedroom house costs GH₵500,000-720,000 to build in Ghana in 2026, excluding land - the real cost in Accra, Kumasi and beyond.
20 Oct 2026 · 9 min read
How to register a chama as a community group under the Community Groups Registration Act, 2022: who qualifies, the documents, the 2026 fees, step-by-step process, and what a registered chama must do afterwards.
20 Oct 2026 · 5 min read
What goes into balanced pig feed at every stage (creep, weaner, grower, finisher and sows) from Kenyan ingredients, what pigs need at each stage, how much they eat, and whether home mixing pays.
20 Oct 2026 · 4 min read
How to make dairy meal at home: the ingredients for a balanced 16% mix and a high-yielder version, the standards from KALRO and ILRI, and how much to feed per litre of milk.
20 Oct 2026 · 4 min read
What goes into balanced feed for improved kienyeji chickens (growers and layers) from Kenyan ingredients, the protein they need according to Kenyan research, and how much to feed free-range birds.
20 Oct 2026 · 4 min read
What goes into balanced broiler starter and finisher feed from Kenyan and Nigerian ingredients, the protein, energy and amino acids broilers need, why broiler feed needs oil, and whether home mixing saves.
20 Oct 2026 · 4 min read
What goes into a balanced layers mash from Kenyan ingredients, the nutrient targets layers need, chick and growers mash, how to mix it, and whether it is cheaper than shop feed.
20 Oct 2026 · 5 min read
How to send money with PesaLink on your bank's app, USSD or internet banking, link your phone number, and what the limits, speed and 2026 fees are at KCB, Equity, Co-op and other banks.
19 Oct 2026 · 7 min read
If you earned under R500,000 from one employer in 2025/26 with no allowances, you may not need to file a SARS tax return. See the exact thresholds.
19 Oct 2026 · 7 min read
HMO plans in Nigeria cost from about ₦118,000 to over ₦1 million a year, and NHIA's GIFSHIP covers you for ₦22,000. What each covers, checked October 2026.
19 Oct 2026 · 7 min read
Real 2026 premiums from Jubilee, Britam and CIC for individual and family medical cover in Kenya: limits, waiting periods and how it tops up SHA.
18 Oct 2026 · 8 min read
Verify a Nigerian land title before you pay: run a ₦3,750 Lagos Lands Bureau search or AGIS check, confirm Governor's Consent, and spot a fake C of O.
18 Oct 2026 · 8 min read
PayPal works in Kenya in 2026, but withdrawals aren't direct. Here's how to open an account, get paid and cash out to M-Pesa or Equity Bank, with real fees.
18 Oct 2026 · 9 min read
SARS's 2026 deadline for non-provisional individuals is 23 October. Miss it and penalties run from R250 to R16,000 a month. Here's what to do now.
18 Oct 2026 · 8 min read
Building a 3-bedroom house in Uganda costs UGX 90-150 million in 2026, plus land. See real material prices, tax changes and how to cut costs.
17 Oct 2026 · 8 min read
No, PayPal can't receive money in Ghana as of 2026. Here's what actually works: Payoneer, Wise, bank wires and remittance apps, with real fees and limits.
17 Oct 2026 · 7 min read
Registering a business name in Kenya costs KES 950 on eCitizen's BRS portal and takes about a day. The exact steps, documents and fees, checked October 2026.
17 Oct 2026 · 6 min read
What a 3-bedroom house really costs to build in Nigeria in 2026: per-square-metre rates for Lagos, Abuja and other cities, plus what most estimates leave out.
16 Oct 2026 · 8 min read
A basic funeral in South Africa costs R35,000-R50,000+. What funeral cover really costs, how fast it pays out, and how to avoid unlicensed parlour schemes.
16 Oct 2026 · 9 min read
CIC's money market fund returned 12.47% over the past year to July 2026, beating Etica, Cytonn and Jubilee. Compare 8 Kenyan funds by return, minimum and fees.
16 Oct 2026 · 8 min read
Cornerstone pays 15.13% and GenAfrica 14.24% on their Uganda unit trusts, per CMA data for 30 September 2026. Compare all 9 licensed funds and rates.
15 Oct 2026 · 8 min read
Check your NIDA number in Tanzania for free with Fahamu NIN, Fuatilia Ombi or your district office. There is no official app or USSD code.
15 Oct 2026 · 8 min read
Registering a business name with BRELA in Tanzania costs TZS 15,000 plus TZS 5,000 a year; a company costs more. Full ORS steps, checked October 2026.
15 Oct 2026 · 8 min read
FCCPC lists 525 licensed loan apps in Nigeria and 112 on its watchlist. How to check any app, what loans cost, and how to report harassment, as of Oct 2026.
15 Oct 2026 · 7 min read
Registering a business name in Ghana costs GHS 130 at the ORC, and a company GHS 585 plus 1% capital duty. See the steps, timeline and what's still done in person.
14 Oct 2026 · 7 min read
Fuliza charges in Kenya: the 1% access fee, daily fee by balance band, why your limit is 0, and how to raise it, per Safaricom's tariff, checked October 2026.
14 Oct 2026 · 6 min read
Hospital plans cost roughly R1,278-R4,177 a month in South Africa, full medical aid R7,528+, and gap cover from R53. Here's which you actually need in 2026.
14 Oct 2026 · 10 min read
What CAC registration actually costs in Nigeria: ₦21,000 for a business name, from ₦11,750 for a limited company, with the steps, checked October 2026.
14 Oct 2026 · 9 min read
M-Pesa's exact 2026 charges to send and withdraw money in Kenya, with Pochi la Biashara rates and limits, checked against Safaricom's own tariff page.
13 Oct 2026 · 7 min read
Coronation leads Nigeria's money market funds at 21% YTD, but CBN's September rate cut means yields are falling. Compare 10 funds, minimums and how to invest.
13 Oct 2026 · 9 min read
PAPSS lets African businesses pay suppliers abroad in local currency, skipping the dollar. Which banks are live and what still doesn't, October 2026.
12 Oct 2026 · 7 min read
No-experience remote jobs for Africans in 2026: AI rater work, virtual assistant roles, Africa-friendly job boards, and how to get paid without losing to fees.
12 Oct 2026 · 9 min read
First-time students in Kenya now apply for HELB through the HEF portal, and it's free. See the documents you need, the steps and how the money is paid.
12 Oct 2026 · 8 min read
You don't need CIPC to run a spaza shop legally in South Africa. Here's what it costs to register, stock and fund one in 2026, including the R100,000 support fund.
11 Oct 2026 · 11 min read
Register a SACCO in Uganda with 30 members and about UGX 65,000 in MTIC fees, then get your UMRA licence before you take savings. Checked October 2026.
11 Oct 2026 · 8 min read
UTT AMIS lets you invest in Tanzania's unit trusts from TZS 5,000 via M-Pesa or Airtel Money. Minimums, returns and account steps, checked October 2026.
11 Oct 2026 · 10 min read
You can buy Ghana Treasury bills from GH₵5 on Ecobank's mobile money service, and the interest is tax-free. See October 2026 rates and how to buy.
11 Oct 2026 · 10 min read
SHIF takes 2.75% of gross pay monthly, minimum KES 300, no cap. How to register with SHA, pay via M-Pesa Paybill 200222 and avoid the 2% late penalty.
10 Oct 2026 · 9 min read
Your bank can buy Nigerian Treasury bills for you from ₦100,000, far below the CBN auction minimum. See October 2026 rates, tax and whether they still beat inflation.
10 Oct 2026 · 10 min read
Registering a company with CIPC costs R125 to R425 and can be approved instantly on BizPortal. Full fees, steps, documents and timeline, checked Oct 2026.
10 Oct 2026 · 7 min read
NSSF takes 6% of your pay, up to KES 6,480, matched by your employer -- KES 12,960 combined under Kenya's Year 4 rates. Checked October 2026.
9 Oct 2026 · 8 min read
NSSF Uganda takes 15% of gross pay (5% + 10%), every employer must register, and Smartlife Flexi lets informal savers join from UGX 5,000. Checked October 2026.
9 Oct 2026 · 10 min read
M-Pesa Tanzania's 2026 charges for sending, withdrawing and reversing money, plus how to send to and from M-Pesa Kenya, from Vodacom's own tariff sheet.
8 Oct 2026 · 11 min read
Payoneer works in Nigeria: sign up with a passport, NIN or driver's licence, then withdraw to any bank in naira. Fees run 1-4%, checked October 2026.
8 Oct 2026 · 9 min read
SSNIT takes 18.5% of your basic salary in Ghana: 5.5% from you, 13% from your employer. Rates confirmed November 2026, plus how to claim your pension.
7 Oct 2026 · 10 min read
How to register for eTIMS in Kenya via eCitizen, USSD *222# or the full portal: it's free, who must comply, and the penalties if you skip it. October 2026.
7 Oct 2026 · 8 min read
South Africa's TFSA annual limit is R46,000 since March 2026. EasyEquities beats SatrixNOW on ongoing fees. Here's where to open the cheapest one.
7 Oct 2026 · 9 min read
A POS agent business in Nigeria now costs at least ₦30,000–₦120,000 upfront, and CBN's new one-principal rule changed the maths. Checked October 2026.
7 Oct 2026 · 9 min read
Kenya's PAYE bands run 10%-35% in 2026, with KES 2,400 personal relief. See what you pay on salaries from KES 25,000 to 200,000, checked October 2026.
6 Oct 2026 · 7 min read
Uganda's PAYE tax-free threshold rose to UGX 335,000 a month from 1 July 2026. See the new bands, worked examples in UGX, and whether NSSF lowers your tax bill.
6 Oct 2026 · 8 min read
NIN registration is free in Nigeria the first time. Corrections cost ₦600 to ₦28,574, and checking your NIN by USSD is ₦50. See every NIMC fee.
6 Oct 2026 · 8 min read
Compare real fees for sending money to Kenya, Nigeria, Ghana and South Africa from the UK or US via Wise, WorldRemit and M-Pesa, checked October 2026.
5 Oct 2026 · 8 min read
Get a KRA PIN free on iTax in about 10 minutes, recover a lost one, and download your certificate. Steps and the new PWO PIN, checked October 2026.
5 Oct 2026 · 9 min read
SARS declines two-pot withdrawals over an unfiled return, mismatched details or unpaid tax debt. Here's how to fix it, plus the tax due on what's left.
4 Oct 2026 · 10 min read
Check your NSSF Tanzania balance on the Self Service portal ("One Portal, One Account") with your NSSF number. No USSD code exists yet. Checked November 2026.
4 Oct 2026 · 9 min read
How to calculate PAYE in Ghana for 2026: the GRA's tax bands, the 5.5% SSNIT deduction, and real take-home pay examples in GH₵, checked October 2026.
4 Oct 2026 · 8 min read
File a KRA nil return on iTax or the M-Service app in under 5 minutes. Who must file, the real KES 2,000 penalty, and the true 2027 deadline.
4 Oct 2026 · 9 min read
Dial *565*0# on MTN, Airtel, Glo or 9mobile to check your BVN for ₦20, or see it free in your bank app. Covers fixes for lost BVNs too, Nigeria, October 2026.
3 Oct 2026 · 7 min read
SASSA pays R2,400 for old age and disability, R580 for child support, R870 for the orphan top-up, and R370 SRD in October 2026, plus this month's payment dates.
3 Oct 2026 · 8 min read
File your KRA returns on iTax, WhatsApp or the M-Service app in minutes. Steps for P9 filers, the 30 June deadline, penalties, and the 2027 change to 30 April.
29 Sept 2026 · 9 min read
Check or recover your URA TIN via AskURA or Search TIN, generate a new one free with your National ID, or download your certificate. Checked October 2026.
29 Sept 2026 · 9 min read
There's no TIN search by name in Tanzania, only by your NIDA number. Here's how to check your TRA TIN status for free and get your certificate.
28 Sept 2026 · 9 min read
Your Tax ID in Nigeria is now your NIN. Retrieve or check the 13-digit number free at taxid.nrs.gov.ng in minutes, replacing the old TIN. Checked Sept 2026.
28 Sept 2026 · 7 min read
Your TIN in Ghana is the PIN on your Ghana Card, official since April 2021. How to check it fast, verify it online with GRA, and link an old TIN, October 2026.
28 Sept 2026 · 6 min read
Transferring a title deed in Kenya costs 2-4% stamp duty plus registry and legal fees. Full cost breakdown and steps, checked September 2026.
27 Sept 2026 · 9 min read
SARS pays refunds over R100 within 72 hours. See how PAYE, rebates and medical credits decide your refund for 2025/2026, with a worked South African example.
27 Sept 2026 · 9 min read
Nigeria's Tax Act 2025 took effect 1 Jan 2026: 0% company tax for small firms under ₦50m turnover, VAT stays at 7.5%, new PAYE bands apply. Checked Sept 2026.
27 Sept 2026 · 9 min read
A 2-bedroom house in Kenya costs roughly KES 1.75m-3.15m to build rurally and KES 3.5m-5.85m in cities in 2026, plus mabati options from KES 500,000.
26 Sept 2026 · 9 min read
MTN MoMo and Airtel Money charges in Uganda for September 2026: sending fees, agent withdrawal costs, the 0.5% government tax, and transaction limits.
26 Sept 2026 · 9 min read
Tanzania PAYE bands for 2026, verified against TRA's official rate table, plus a step-by-step way to calculate your own tax from your salary in shillings.
26 Sept 2026 · 7 min read
What a Ghana Card costs in 2026: GH¢30 to register, GH¢200 to replace, and what foreigners and Ghanaians abroad pay under NIA's latest price list.
26 Sept 2026 · 7 min read
South Africa's 2026 SARS eFiling season runs 13 July to 23 October. Here's how to register, check auto-assessment and submit your ITR12 step by step.
25 Sept 2026 · 12 min read
Nigeria's PAYE bands changed in 2026: the first ₦800,000 a year is tax-free. See the new rates, rent relief rules and real take-home pay examples.
25 Sept 2026 · 6 min read
A 3-bedroom house in Kenya costs roughly KES 2.3m-4.2m to build rurally and KES 4.5m-9.5m in cities in 2026. Full per-sqm and stage-by-stage cost breakdown.
25 Sept 2026 · 9 min read
Compare solar with your Kenya Power bill: current solar prices, how to find your real cost per unit, how long solar takes to pay back and when it doesn't.
6 Dec 2025 · 5 min read
The digital skills actually in demand for African freelancers in 2026, backed by Upwork's own data, plus how to get paid and the scams to dodge.
18 Sept 2025 · 8 min read
Yes, since January 2026 PayPal payments can reach Nigeria through a linked Paga wallet. Here's how to receive and withdraw yours in naira.
18 Sept 2025 · 7 min read
Ghana's bond market has reopened after the 2023 debt exchange. Here's how to invest in 2026, current T-bill and bond rates, and the risks to know.
18 Sept 2025 · 8 min read
The best investment opportunities in Uganda for small and medium investors in 2026: real returns, minimum amounts, and risks for T-bills, SACCOs and more.
18 Sept 2025 · 12 min read
Nine ways to keep a lorry earning in Kenya, from wholesale delivery contracts to house moves, plus the licences, insurance and costs to price in.
11 Sept 2025 · 4 min read
Ten ways to make idle land in Kenya earn, from leasing and trees to rentals, with what each needs, how long it takes to pay and how to choose.
11 Sept 2025 · 5 min read
How to import a car to Kenya in 2026: the new 2019 age cutoff, KRA duty, VAT and excise rates, the full clearing process and costly mistakes to avoid.
10 Sept 2025 · 9 min read
Fiverr charges a flat 20% seller fee. Upwork dropped its flat 10% for a 0-15% rate per contract. Here is what each actually costs African freelancers in 2026.
9 Sept 2025 · 7 min read
How Kenyan freelancers move Payoneer earnings to M-Pesa in 2026: the real withdrawal steps, what Payoneer charges, and how long each leg takes.
9 Sept 2025 · 7 min read
Send M-Pesa to the wrong number, paybill or till? Step-by-step on the 456 SMS reversal, timelines, and what to do if the recipient declines.
8 Sept 2025 · 7 min read
What a perimeter wall really costs in Kenya in 2026: stones, cement, steel and labour for 40x80, 50x100 and 100x100 plots, plus per-metre prices.
8 Sept 2025 · 10 min read
Land usually holds its value and a car loses it, but land near Nairobi has grown slowly lately. How to decide which to buy first for your situation.
6 Sept 2025 · 5 min read
Seven ways to make your car earn in Kenya, from school runs to airport transfers, plus the insurance, licences and costs that eat into what you keep.
5 Sept 2025 · 5 min read
Start a laundry business in Kenya from home or a shop: machine prices, what Nairobi laundries charge per kg, licences and the risks that close new laundries.
4 Sept 2025 · 6 min read
Start a hair and nail salon in Kenya: what to buy first, what Nairobi salons charge, the licences you need and the mistakes that sink new salons.
4 Sept 2025 · 5 min read
Twelve side hustles that fit around lectures, from tutoring and printing to freelancing, with what each needs to start and how to protect your grades.
4 Sept 2025 · 5 min read
Outlier doesn’t accept Kenyan sign-ups in 2026. Here’s what its rules say, what happens to bought accounts, and legit AI training work open to Kenyans.
2 Sept 2025 · 7 min read
Save for land in Kenya on a modest income: real land prices, how much to put away each month, where to keep the money, and SACCO, chama and instalment routes.
1 Sept 2025 · 5 min read
Poultry, fish, honey and avocados are making real money for young farmers in Africa right now. Here are eight ideas with real costs and sources, checked October 2026.
1 Sept 2025 · 9 min read
URSB registration costs UGX 55,000 and a UNBS permit UGX 500,000 a year, but a bakery oven alone can cost UGX 3 million to over UGX 80 million in Uganda.
1 Sept 2025 · 8 min read
No job history? Start with one skill, three samples and the right platform. Here are the steps to your first paid freelance job from Africa, and how to get paid.
1 Sept 2025 · 7 min read
Five weekend side hustles for employed Kenyans, with real platform fees and prices checked in September 2026, from freelancing to mitumba reselling.
1 Sept 2025 · 7 min read
What it costs to become an MTN or Airtel mobile money agent in Uganda in 2026: real float, registration fees, commission rates and a worked profit example.
1 Sept 2025 · 8 min read
Tower SACCO pays 20% dividends and 13% interest for 2025, the best combined return in Kenya. See the top 5 highest-paying SACCOs and how to pick one.
1 Sept 2025 · 8 min read
Six freelance skills African beginners can learn in six months, with free courses, a month-by-month plan and where to find your first paying client.
31 Aug 2025 · 8 min read
A 2026 guide for Kenyans abroad: current land and apartment prices, investing from KES 50,000 in Treasury bonds, and the scams costing buyers millions.
30 Aug 2025 · 11 min read
Eight real ways to make money online in Kenya with only a phone, from TikTok Live selling to transcription, what each pays and the scams to avoid.
30 Aug 2025 · 5 min read
Start a mitumba business in Kenya by hand-picking or buying bales: current bale prices, where to buy, how to grade and price, and what one bale can earn.
29 Aug 2025 · 5 min read
A small mini-supermarket in Kenya costs KES 350,000 to 700,000 to open before stock. Here's what goes into that, and why margins are thinner than most guides admit.
29 Aug 2025 · 8 min read
Plan a poultry farm in Kenya: layers vs broilers, how startup money splits, the steps from buyers to records, and the risks that cost farmers money.
29 Aug 2025 · 5 min read
KCB M-Pesa savings pay over 8.5% a year, Absa Timiza pays 6%, and M-Shwari Lock Savings tops out at 6%. See minimums, fees and tax, checked October 2026.
29 Aug 2025 · 8 min read
Upwork, Fiverr, Freelancer.com and Toptal compared for African freelancers in 2026: real fees, Payoneer and PayPal payout rules, and what changed since 2025.
29 Aug 2025 · 8 min read
Buy Treasury bills in Kenya through DhowCSD: minimum KES 50,000, pay by M-Pesa or RTGS, current rates and how the 15% tax works. Checked October 2026.
28 Aug 2025 · 9 min read
Seven side hustles you can start in Nairobi with less than KES 5,000, what the money goes on, who each suits and how to pick the right one.
28 Aug 2025 · 5 min read