A Review of The M-KOPA M10 Smartphone

EDITOR’S NOTE: This article is part of our Money254 Partner Series produced in partnership with M-KOPA to mark the launch of their latest device - the M-KOPA M10.‍

Let’s be real — buying a good smartphone in 2025 isn’t cheap. And unless you’ve got Ksh20K+ just lying around, chances are you’ve either settled for an annoyingly slow device… or you have gone back to the Kabambe era. 

But what if you could get the latest smartphone today — and pay for it in the same way you make your money - pole pole. When you pay slowly, you can even pay for the smartphone from the extra money it makes you. 

One such device that has just hit the market is the M-KOPA M10. In this article, we offer a deep dive into the M10 to see if it’s something that could actually be a game-changer for everyday Kenyans. 

A Smartphone for Everyday Kenyans?

Ultra Big Screen 📱

You get a 6.5-inch display - clear and large enough for WhatsApp, YouTube, and browsing. Outdoor visibility holds up well, and the screen responds smoothly for daily use.

Power That Lasts Through Your Day 🔋

With a 5,000mAh battery, the M10 is built to last a full day or more. It charges via Type-C with 10W speed — full charge takes under two hours. You can work, scroll, or watch without worrying about power. 

Your Phone, Your Rules 🔓

The M10 includes both face unlock and a side fingerprint scanner —a rare find at this price point. It’s also SIM-locked for added security, preventing unauthorized SIM changes unless verified with ID at an M-KOPA store.

Premium Look

The M10 features a textured back that improves grip and gives the phone a premium look. Its clean black finish and slim profile gives it a modern, comfortable feel in your hand.

Other Features of the MKOPA M10 Smartphone

But The M10 is More Than Just a Phone…

The M10 has all the latest features you’d expect in a modern smartphone — but it also gives you more. From free data to hospital cover and even help when you need cash, it’s built to match the needs of ordinary Kenyans. 

1. Free Health Insurance

For millions of ordinary Kenyans, one hospital admission, even for a small illness, can mean taking a loan, selling a household item, a harambee, missing rent - and in some cases, complete financial ruin. 

That’s why the M10 comes with a Ksh30,000 hospital annual cash cover at no extra cost. If you’re admitted to a hospital, you’ll receive Ksh1,000 for every night spent in the hospital. This will help with your bills, transport, or any other non-medical expenses — giving you a safety net when life takes an unexpected turn.

2. Device Protection 

Life happens — phones slip, get dropped, or worse, stolen. 

With the M10, you don’t have to worry about this stress. M-KOPA includes affordable options for screen repair and insurance against theft. 

3. Free 4GB Safaricom Data

Right out of the box, M-KOPA gives you 4GB of free Safaricom data to stay connected. Whether you want to download files, apps, and backups from your old phone - or you just want to boost your hustle through online marketing - the free bundles come in handy. 

4. Access to Mobile Loans

Every payment you make on the M10 builds your credit profile with M-KOPA. Over time, this unlocks access to digital loans — a reliable backup when you need emergency cash or a much-needed capital injection in your business or personal investments. 

Ready to Upgrade to the M10?

Here are three ways you can get the M1O

1. Speak to an M-KOPA agent here and order your phone via WhatsApp
2. Visit the M-KOPA website here where you'll be connected to an agent and guided on phone delivery
3. Visit the nearest M-KOPA shop 

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