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.

Apr 24, 2024 - 13:05
Apr 24, 2024 - 11:54
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.

Ever wondered about those M-Kopa phones you see around Kenya? You know, the ones with the pay-as-you-go model? Well, let me take you on a little journey into the world of M-Kopa and explain how these nifty gadgets work.

M-Kopa, a pretty innovative platform, offers asset financing. This means you can get your hands on various products, especially locked smartphones, without paying everything upfront. Instead, you make an initial deposit and then agree to pay a specific amount regularly. Think of it like a 'phone on layaway' but with a tech-savvy twist.

Now, let's dive a bit deeper. These M-Kopa phones come locked. Yeah, you heard that right! But why, you might ask? It's all about security and making sure the financial agreement is honored. They offer different types of phones, like the popular Samsung and Nokia models. The deal is simple: you pay a little at the start and then continue with regular payments to keep using the device.

So there you have it – a brief intro to M-Kopa and its unique phone locking mechanism. Stick around as we explore more about why these phones are locked and the ins and outs of unlocking them. 

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.

The Locking Mechanism Explained

First up, the locking mechanism. When you get an M-Kopa phone, it's locked. This means you can't just use it with any network you want. The phone is tied to a specific network, and you've got to stick to it until you've completed your payments. It's kind of like a binding agreement between you and M-Kopa. They give you a phone at a lower upfront cost, and in return, you agree to make regular payments.

Types of Phones Offered

Now, let's talk about the types of phones you can get with M-Kopa. They've got a range of models from big names like Samsung and Nokia. We're talking about popular models that many Kenyans are after. Whether you're a fan of Samsung's Galaxy series or Nokia's robust phones, M-Kopa has got you covered.

The Financial Model

Here's where things get interesting. The financial model of M-Kopa is pretty straightforward yet innovative. You make an initial deposit, which is a fraction of the total cost of the phone. Then, you enter into a contract where you agree to pay a specific amount regularly – it could be daily, weekly, or monthly. This payment plan is super flexible, making it easier for a lot of folks to own a smartphone.

Why Phones are Locked

You might be thinking, "Why do they lock these phones, anyway?" Well, it's all about ensuring that M-Kopa gets its due. By locking the phones, they make sure that customers stick to the payment plan. It's a way to secure their investment. If you stop making payments, the phone gets locked, and you can't use it anymore. It's a fair deal, considering you're getting to use the phone while you pay for it.

The Benefits and Risks of Unlocking M-Kopa Phones

Now, let's chat about unlocking M-Kopa phones. It's a hot topic, and for good reasons. Unlocking these phones can be a game changer for many, but it's not without its risks. So, let's break it down.

Advantages of Unlocking

Unlocking your M-Kopa phone opens up a world of possibilities. Here's why it's pretty awesome:

  • No More Recurring Payments: Imagine not having to worry about those daily or weekly payments anymore. Once your phone is unlocked, it's all yours, no strings attached.
  • Freedom to Switch Carriers: This is a biggie. With an unlocked phone, you're no longer tied to a single carrier. You can hop over to any network that offers you the best deals and coverage. Total freedom, right?
  • Increased Resale Value: Here's something you might not have thought about. An unlocked phone is generally more valuable. If you decide to sell it down the line, you'll likely get a better price for it.

Potential Risks and Legal Concerns

But, it's not all sunshine and rainbows. Unlocking your M-Kopa phone comes with its share of risks and legal gray areas:

  • Voiding Warranty: This is a big risk. Unlocking your phone might void its warranty. That means if something goes wrong, you might not get any help from the manufacturer or M-Kopa.
  • Risk of Bricking the Phone: Here's a scary one. If the unlocking process goes wrong, you could end up with a bricked phone. That's tech-speak for a completely unusable phone. Definitely not something you want.
  • Legal Issues in Kenya: This is important. In Kenya, unlocking a phone locked to a specific network without permission is a legal no-no. You could face fines or even more serious legal troubles. It's crucial to understand the laws and tread carefully.

How to Unlock Your M-Kopa Phone: Step-by-Step Guide

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.

Once you've successfully unlocked your phone, it's time to test it out. Ensure all features are working correctly. In some cases, you might need to perform a factory reset to ensure optimal performance.

 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:

Phone Model Storage RAM Android Version Deposit (Ksh) Daily Payment (Ksh) Weekly Payment (Ksh) Total Payment After 1 Year (Ksh)
Nokia C01 Plus Iris 16GB 1GB Android 10 2,499 40 280 17,099
Nokia C01 Plus 16GB 1GB Android 11 2,499 40 280 17,099
Nokia G10 32GB 3GB Android 11 3,699 60 420 25,599
Nokia C21 32GB 2GB Android 11 4,299 60 420 26,199
Nokia C21 Plus 32GB 3GB Android 11 5,299 70 490 30,849
Nokia C30 32GB 2GB Android 11 5,499 75 525 32,874
Nokia G21 64GB 4GB Android 11 5,999 90 630 38,849
Nokia G50 16GB 1GB Android 10 2,499 40 280 17,099
Nokia C31 64GB 4GB Android 12 4,299 70 N/A 29,849
Samsung A03 Core 32GB 2GB Android 11 4,299 50 350 22,549
Samsung A02 64GB 3GB Android 10 3,499 55 385 23,574
Samsung A03 32GB 3GB Android 10 4,999 55 385 25,074
Samsung A03S 32GB 3GB Android 10 4,999 65 455 28,724
Samsung A12 64GB 4GB Android 10 4,499 70 490 30,049
Samsung A13 64GB 4GB Android 12 7,499 90 630 40,349
Samsung A22 64GB 4GB Android 10 5,999 85 595 37,024
Samsung A23 64GB 4GB Android 12 8,299 100 700 44,799

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 Richard, a leading contributor to, uses his decade-long expertise in finance, business, and technology to offer clear, reliable guides and analyses. His work aids Kenyans in making informed financial and business decisions, earning him a reputation as a trusted industry authority.