Top Phones Kenyans Are Buying in 2025 – Does the M-KOPA X20 Qualify?

Kenya’s smartphone market is buzzing with options that promise style, speed, and value for money. Customers are often left spoiled for choice.

Having the right smartphone matters in 2025. Whether you’re a small business owner, a social media content creator, or you just need to get connected. 

Here are the top picks for Kenyans as observed so far in 2025. 

1. Samsung Galaxy A35 

Estimated Price: ~ KSh 39,000

Top features:

• 6.6” Super AMOLED display (120Hz)
• 50MP triple camera
• 128GB storage + 6GB RAM
• 5,000mAh battery

Samsung phones continue to attract interest among Kenyans, and the A35 is a sleek option that handles multitasking and media well.

2. Xiaomi Mi 11 Lite

Estimated Price: ~KSh 35,000

Top Features:

• 6.55” AMOLED display
• 64MP main camera + Front camera: 16 MP
• 128GB storage + 6GB RAM
• Battery: 4250 mAh

The Mi 11 Lite has great display quality. It's perfect for video streaming, social media, and taking crisp photos.

3. M-KOPA X20 – More Than Just a Phone

Approx. Price: A deposit of about 4,000 + Ksh92 Daily Payment

Features

• 6.6" HD+ display
• 50MP dual AI rear camera and Front camera
• 256GB storage, 6GB RAM
• 5,000mAh battery (59 hours on full charge)
• Face & fingerprint unlock

The M-KOPA X20 checks all the boxes for everyday smartphone needs, but it also stands out since it also comes with free health insurance, device protection, among other benefits. 

4. Oppo Reno 12F

Estimated Price: ~KSh 35,000

Top features:

• 64MP Main camera + Front camera: 32MP
• 6.67” AMOLED display
• 128GB storage + 8GB RAM
• Trendy design with fast charging

With its sharp cameras (front and back) and stylish finish, it’s ideal for high-quality selfies and videos.

5. Tecno Camon 30s Pro

Estimated Price: ~KSh 33,000

Key Specs:

• 6.78” AMOLED display
• 50MP camera
• 256GB storage + 8GB RAM
• 5,000mAh battery

The Camon 30s Pro is packed with power, especially if performance and screen quality are your top priorities.

We Felt One Phone Stands Out

Looking at all five, they’re all solid picks. But in our review, we thought one device stood out for what it adds to your life beyond the usual smartphone duties. Let’s talk a bit more about the M-KOPA X20.

M-KOPA has partnered with Turaco to offer X-20 users free health insurance of up to Ksh30,000 for 12 months. This coverage provides a daily cash payout of Ksh1,000 for every night you are admitted to the hospital.

The X20 also boosts strong device protection, including discounted repair services and a seamless replacement policy in case your phone is stolen.

M-KOPA’s pay-as-you-go model (less than Ksh100/day) is quite friendly, particularly for those who rely on a smartphone to generate daily income. 

Finally, after three months of on-time payments, you become eligible for cash loans from M-KOPA, cash that you may use to launch a business or handle an emergency.

Does the M-KOPA X20 Qualify?

The M-KOPA X20 gives most of the trendy devices a run for their money on the physical features. But our take is that it stands out for being more than a smartphone to a protector of your health and your family’s financial wellbeing. 

👉 Ready to upgrade? Explore the M-KOPA X20 and find out how easy it is to own yours today.