How to complete first-time onboarding in KiddyCash

Onboarding is the setup process you go through the first time you use KiddyCash. It collects the basic information the platform needs to activate your account and match you to the right workflow — whether you are a parent managing a child’s allowance in Nairobi, a school administrator running a savings programme, or a business owner distributing funds to staff. Completing onboarding correctly means fewer delays later.

Before you begin, make sure you have already created your account. If you have not, follow the steps in How to sign up for KiddyCash, then return here.

What you will need

  • A smartphone or computer with internet access
  • Your national ID, passport, or business registration documents (for KYC or KYB verification — explained below)
  • A working phone number linked to M-Pesa or any supported mobile money service, or a bank account number
  • A few minutes of uninterrupted time

Step-by-step: completing onboarding

  1. Log in to your account. Open KiddyCash and sign in. If you use email and a one-time password (OTP), the process is covered in How to log in with email and OTP. An OTP is a short numeric code sent to your email or phone that expires after a few minutes.

  2. Open your profile page. After logging in, go to https://kiddy.cash/profile. This is where all onboarding steps are managed. You will see a progress indicator showing which steps are complete and which are still pending.

  3. Select your account type. KiddyCash supports three main account types: Family, Business, and School. Choose the one that matches your situation. Your choice determines which features you see — for example, Family accounts unlock kids’ wallets and allowance scheduling, while Business and School accounts unlock campaigns, subscription management, and bulk transaction codes.

  4. Fill in your personal or organisation details. Enter your full name, location, and contact information. Businesses and schools must also provide their registered name and, where applicable, a KRA PIN or company registration number.

  5. Complete identity verification (KYC or KYB). KYC stands for Know Your Customer and applies to individual users. KYB stands for Know Your Business and applies to organisations. Upload a clear photo of the required document — a national ID works for most Kenyan users. KiddyCash reviews submissions and usually confirms them within a few hours.

  6. Link a payment method. Connect your M-Pesa number, bank account, or other supported method. This is what KiddyCash uses to move real money in and out of wallets. Enter the details carefully — a mismatch can delay transactions.

  7. Set up your first wallet or sub-account. Depending on your account type, you will be prompted to create a kids’ wallet (Family), a staff wallet (Business), or a student account group (School). Give it a clear name, for example Amara’s Pocket Money or Grade 4 Savings.

  8. Review and confirm. Check all the information on the summary screen. Once you confirm, your profile is active and ready to use. You will also receive a confirmation badge in your account to show that onboarding is complete.

If something goes wrong

If a step fails — for example, your KYC document is rejected — you will see a notification explaining the reason. Correct the issue and resubmit. You do not need to restart the entire process.

For the latest changes to the onboarding flow, including new document options and faster verification, see What’s new in onboarding in KiddyCash. For a detailed walkthrough of how each section works, read A closer look at onboarding in KiddyCash.