Smart Money. Smart Choice: Is the M-KOPA X20 Really Value for Money?

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 X20.

M-KOPA’s latest release, the M-KOPA X20, has created quite a buzz in Kenya’s smartphone market, and it’s not hard to see why. With accessible deposits ranging between Ksh4,000- Ksh5,000 and daily payments as low as Ksh95, the X20 offers a flexible and affordable pricing model enabling you to make the smart choice with your money.

So, how does the M-KOPA X20 stack up against other high-end smartphones like the Oppo A98 and the Tecno Spark Pro, which typically cost over Ksh40,000? Is the M-KOPA X20 really worth the investment?

It’s Never Just a Phone. Always More. Let’s dive into five compelling reasons why the M-KOPA X20 might just be the smartest investment you make this year. 

1. Superior Specs at an Affordable Price

The M-KOPA X20 combines high-end features with an affordable daily payment plan, making it a compelling choice for a wide range of users. Here's a quick look at what makes the X20 a standout: 

Powerful Performance: The X20 runs on Android 14 software and is powered by an 8-core Unisoc T606 processor, providing efficient performance for multitasking, running demanding apps, gaming, and streaming.

Ample Storage: It's more than 256 GB storage. It's the space to live more without stopping. The X20 boasts 6GB of RAM and 256GB of internal storage, providing plenty of space for all your apps, videos and life to capture your life’s progress. All this while ensuring seamless multitasking.

Battery Life: The M-KOPA X20 has a 3-day battery life with one single charge. One of the longest for a smartphone that comes with the possibility to do more. And with the 20W fast charging via USB Type-C, the M-KOPA X20, it allows you to live more and be more connected to your work and your loved ones. 

Designed to cater to diverse needs, whether you're an online taxi driver, a small business owner, a student, or a gamer, the M-KOPA X20 offers reliability and high performance at an affordable daily payment fee. Its long battery life is especially beneficial for users who are constantly on the move or working long hours away from a power source.

It’s More than a Phone…Live More. Be More

2. Free Health Protection with Your X20

Choosing the M-KOPA X-20 is  a smart choice when it comes to your health. With the purchase of an X20, you receive a free Hospital Cash Cover of up to Ksh30,000 for 12 months. This coverage provides a daily cash payout of Ksh1,000 in case you have an overnight admission at an accredited hospital, providing a significant safety net for unexpected medical expenses. 

Smart money choices designed to help you live more and be more. Do more with a Hospital Cash cover that gives you peace of mind knowing you are protected from the shocks of a medical emergency. The health insurance cover qualifies you for a cash reimbursement of Ksh1,000 for every night spent in an accredited hospital. This can help you pay your medical bills and compliment your NHIF cover. 

Whether you’re a parent concerned about unexpected expenses impacting your family’s welfare when you are indisposed, a professional wanting to ensure you’re covered in case of emergencies, or an entrepreneur who can't afford unexpected medical costs, the M-KOPA X20 ensures you’re protected—at no extra cost.

It’s Never Just a Phone. Always More.

3. Ultimate device security

We understand that you can never predict when your phone screen might crack or get stolen and know that typical smartphone warranties are limited, often excluding accidental damage or theft. You are making a smart choice with the M-KOPA X-20, because we understand that life can happen, and we have got you covered to ensure that you have less to worry about in the event of accidental breakage or theft. You get affordable repair services and a seamless replacement policy.

For instance, if your screen is damaged, you only need to pay Ksh 1,000, with M-KOPA covering the rest. If your phone is stolen, replacing it will cost just Ksh 3,000. This level of protection makes it easier to own and maintain a smartphone.

Read more here to find out more about eligibility 

4. Unlocking Financial Opportunities With the X20

Keep on track and make on-time payments to qualify for digital cash loans after three months with the M-KOPA X20.  Once you become eligible for a digital cash loan, you can access your mobile cash through the M-KOPA app and disbursed directly to your M-PESA account. This feature helps you seize business and investment opportunities that may come your way at a time when you are low on cash. 

It’s Never Just a Phone. Always More.

5. Live More and Stay Connected with Free Data Bundles

Connectivity is crucial in today’s world, and M-KOPA ensures you stay connected with free internet data when you purchase the X20. You qualify for an initial free data bundle of 1 GB and 50 MB of free daily data for the first 60 days. 

Consistent internet connectivity at no extra cost allows you to browse the internet, post your content, engage your audience, and stay updated with the latest news. 

This feature is invaluable for students, small business owners, and anyone who relies on their smartphone for daily tasks. It ensures you remain connected and productive without worrying about additional data costs.

What’s your verdict? Yay or Nay

The M-KOPA X20 offers more than just a smartphone—it’s a gateway to smart money choices. With its impressive specs and added benefits like free health insurance, device protection, and cash loans, the X20 is designed to be more than a phone—it’s an investment in your future.

So, is the M-KOPA X20 worth it? We think so. Ready to upgrade your experience and unlock these benefits? Start your journey to smarter ownership here.

It’s Never Just a Phone. Always More.