Mobile money transfers have become the most widespread financial services in SubSaharan Africa. Over the last decade, they have been widely saluted as a ‘pro-poor, developmental’ technology for the financial inclusion and empowerment of millions of unbanked people. Moreover, along the years, several micro-level studies have brought evidence of the positive impacts of mobile money on the livelihoods of rural and agricultural households, especially thanks to the higher in-flow of remittances. On the base of field research carried out in two Kenyan counties, Kiambu and Machakos, this article explores the patterns of adoption among small-scale farming households. In particular, it argues that uneven uptake patterns determine the unequal distribution of the ‘developmental’ impacts of such services – which in turn reinforces old inequalities while producing new ones.