How To Unlock Your M-Kopa Phone for Free In Kenya: No 1 Guide for Samsung and Nokia Devices(2024)

Learn how to unlock your M-Kopa phone for free with our comprehensive guide, including step-by-step instructions and tips for Samsung and Nokia devices.

Nov 15, 2023 - 12:05
Nov 15, 2023 - 23:05
How To Unlock Your M-Kopa Phone for Free In Kenya: No 1 Guide for Samsung and Nokia Devices(2024)
Unlock Your M-Kopa Phone for Free: The Ultimate Guide to Bypassing Payment Locks on Samsung and Nokia Devices

Disclaimer: This guide is for informational purposes only. Unlocking your phone may void its warranty, and you assume all risks associated with the unlocking process. Always follow the manufacturer's guidelines and recommendations.

Have you ever wondered if there's a way to bypass the payment lock on your M-Kopa phone? Are you tired of making recurring payments to use your smartphone? You're in luck! This article will provide a comprehensive guide on unlocking your M-Kopa phone without paying a dime. We will explore various methods and steps to unlock Samsung, Nokia, and other M-Kopa devices, including the advantages of unlocking your phone and the potential risks involved. So, let's dive in and liberate your smartphone!

What is M-Kopa?

M-Kopa is an innovative asset financing platform that offers customers access to a wide range of products, including locked smartphones, through a pay-as-you-go model. Customers must make an initial deposit and agree to pay a specific amount regularly to activate and continue using the device. M-Kopa operates in Kenya, Uganda, Nigeria, and Ghana.

Why Unlock Your M-Kopa Phone?

Unlocking your M-Kopa phone allows you to enjoy the full benefits of your smartphone without worrying about recurring payments or being locked out during emergencies. By following the steps outlined in this guide, you can permanently unlock your device and bypass the M-Kopa lock.

Benefits of Unlocking Your M-Kopa Phone

Bold your M-Kopa phone offers several advantages, such as:

  • No more recurring payments: You won't have to worry about making daily, weekly, or monthly payments for your phone.
  • Freedom to switch carriers: You can use any page you prefer, not just the one associated with your M-Kopa contract.
  • Increased resale value: An unlocked phone is generally more valuable and accessible to sell than a locked one.

Risks Involved in Unlocking Your M-Kopa Phone

While unlocking your M-Kopa phone offers numerous benefits, it's essential to be aware of the potential risks involved, such as:

  • Voiding your warranty: Sometimes, unlocking your phone may void its warranty. Understanding your warranty terms before attempting to unlock your device is crucial.
  • Bricking your phone: If the unlocking process isn't followed correctly, you risk bricking it, rendering it unusable. Always follow instructions carefully to avoid this outcome.

How to Unlock Your M-Kopa Phone: Step-by-Step Guide(METHOD 1)

This section will outline the steps to unlock various M-Kopa phone models, including Samsung and Nokia devices. Please note that these steps are for informational purposes only, and opening your phone is at your own risk.

Step 1: Gather the Necessary Tools and Files

Before you begin, you'll need the following:

  1. A Windows PC
  2. SP Flash tool for Nokia or Samsung reset information
  3. USB-C or Micro USB cable, depending on your device

Step 2: Obtain Reset Data

The first step in unlocking your M-Kopa device is to acquire the reset information. These details are necessary to bypass the security on your smartphone. Download the appropriate files for your phone model, extract the zip files, and save them to your computer.

Step 3: Install the MTK Bypass Tool

After downloading and extracting the reset information, install the MTK bypass tool application on your computer. This tool allows you to bypass the device's authentication security.

Step 4: Run the Flash Application

Extract the SP Flash tool and execute it. Load the Reset the information you downloaded earlier by clicking the "Choose" button and selecting the appropriate files. Make sure to select the correct files for your phone model.

Step 5: Connect Your Phone to the Computer

Power off your M-Kopa phone and remove the battery (if removable). Using the appropriate USB cable, connect your phone to your computer. Hold the volume down button for devices with non-removable batteries while connecting the phone to the computer.

Step 6: Bypass the M-Kopa Lock

Click the "Start" button in the SP Flash tool to initiate the unlocking process. The application will bypass the M-Kopa lock on your phone, and you should see a green checkmark indicating a successful operation.

Step 7: Reboot Your Phone

Disconnect your phone from the computer, reinsert the battery (if removable), and power on your device. Your M-Kopa phone should now be unlocked, and you can use it without worrying about any payment locks.

Step 8: Factory Reset (Optional)

If you wish to erase all data and settings from your unlocked M-Kopa phone, perform a factory reset. Remember that this will delete all your personal information and installed apps, so ensure you have a backup if necessary.

 Are there any legal consequences for unlocking my M-Kopa phone?

The legality of unlocking an M-Kopa phone depends on the country in which you live. In Kenya, for example, it is illegal to unlock a phone locked to a specific network without the permission of the network provider. This is because mobile phone networks in Kenya own the exclusive rights to the SIM cards they issue.

In Uganda and Tanzania, the legality of unlocking a phone is unclear. However, it is generally considered illegal to unlock a phone without the permission of the network provider.

What are the legal consequences of unlocking an M-Kopa phone?

If you are caught unlocking an M-Kopa phone, you may face several legal consequences, including:

  • Fines: You may be fined by the government or the network provider.
  • Imprisonment: In some cases, you may even be imprisoned for unlocking a phone without permission.
  • Warranty void: Unlocking your M-Kopa phone may void the warranty. This means that if your phone breaks down after you have unlocked it, you may not be able to get it repaired or replaced for free.
  • Legal action: M-Kopa may also take legal action against you for unlocking your phone. This could include suing you for damages or getting a court order to block your phone from being used with other networks.

 Download SP Flash Tool v6.2124 for Windows (Latest version)

How to Get an M-KOPA Phone

Qualification and Application: Getting an M-KOPA phone is a straightforward process. First, visit your nearest M-KOPA branch or agent with your national ID and a Safaricom line.

Choose Your Phone: You'll be presented with a list of available phones and their minimum deposit and daily installment amounts. Choose the phone that fits your budget.

Activation: Once you've made the deposit, you can walk away with your phone. It will be activated within 24 hours.

Daily Instalments: You'll need to commit to making daily repayments for one year to complete the purchase.

Available M-KOPA Phone Models

M-KOPA offers a range of Nokia and Samsung smartphones with varying features and price points:

  1. Nokia C21
  2. Samsung A03
  3. Samsung A13
  4. Samsung A23
  5. Nokia X10
  6. Nokia C21 Plus
  7. Samsung A04E
  8. Samsung A04S
  9. Samsung A03S
  10. Nokia G21
  11. Nokia C31

Disadvantages of M-KOPA Phones

While M-KOPA's pay-as-you-go system offers accessibility, it has some downsides, including:

  1. Higher Costs: Users may end up paying almost double the recommended retail price for the device.
  2. Lack of Insurance: If the phone is lost before completing payments, users are still liable for the remaining amount.
  3. Default Consequences: Failing to make daily installments can lead to the phone being locked and unusable.

READ ALSO:  List of all Safaricom Shops in Kenya and their Locations In every County


Unlocking your M-Kopa phone allows you to enjoy the full benefits of your device without the burden of recurring payments. Although there are potential risks, following this guide's steps can help bypass the M-Kopa lock on your Samsung or Nokia phone. Always be cautious and understand the consequences before attempting to unlock your phone.

Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.