M-Shwari is the revolutionary new banking product for M-PESA customers that allows you to save and borrow money through your phone while earning you interest on money saved. With M-Shwari, you are also entitled to affordable emergency loans. This is a product for everyone who feels that banking should be hassle-free. No forms to fill in, no branches to visit. Just one click on your phone and you have a savings account! How to update your M-pesa menu. 1. Go to your M-pesa Menu. 2.click on my account 3.click update menu 4.enter your pin number 5.wait for safaricoms confirmation sms (will or might take time ) 6.Go to your mpesa menu 7.go to m-shwari 8. read the terms and conditions (carefully) 9.if you accept you have access to your menus 10. the rest you explore by your self.