Using M-PESA

Checking your M-PESA balance

Select "Show balance" on the Safaricom App or select Check Balance on M-PESA menu in your Safaricom sim tool kit.
Enter your secret PIN
Wait for SMS confirmation message with your balance

Depositing cash to your account

Go to an authorized M-PESA agent with your phone and original ID
Inform the agent how much you wish to deposit
They will use their agent phone to send you e-money in exchange for cash
You and your agent will receive an SMS from M-PESA confirming the transaction

You could also top up your M-PESA account from your bank account.

Sending money

You can send money or transfer money to mobile numbers of both registered and unregistered users. To send money, you must have e-value in your M-PESA account.

Send money can be accessed via various channels as listed below:

STK (Sim Tool kit)
M-PESA Super App
Safaricom App
USSD *334#

1. Send Money via STK (Sim Tool Kit)

To send money from STK (Sim Tool Kit) Customers will:

Select M-PESA
Send Money
Enter Phone No.
Enter Amount
Enter M-PESA PIN
You will receive a message that prompts you to confirm on the mobile number and the amount you are to send.
A message will pop up with Cancel or Ok. You can Cancel if you notice that the number entered is not correct or select Ok if the details are correct.
Another message will pop up with the name of the person you were sending money to, the amount the person will receive and the cost of the transaction.
You can either select 1 to Accept (if the details given are correct) or select 2 to Cancel (if you notice an error in the transaction).

2. Send Money via M-PESA Super App

Download the M-PESA supper App from Apple store or Google play store.

Please note; when you sign in for the first time, you will be required to turn on your mobile data to ensure a secure log in. Thereafter, you will sign in using Wi-Fi or mobile data connection.

Accept the terms and conditions
Enter a valid M-PESA PIN for authentication

Thereafter, to successfully log in you will need to:

Type in your valid M-PESA PIN for authentication
Register your fingerprints or facial recognition to use in authenticating the transactions (For customers whose handsets have biometric features)

To send money from the M-PESA SUPPER APP customers will:

Open the M-PESA App
On the home tab select send and request
Select send money
Enter phone number or select the number from your contacts
Enter amount
Complete the transaction using M-PESA PIN or biometric authentication.
You will receive an SMS confirmation that funds have been sent from your M-PESA Account

3. Send Money via Safaricom App

Customers will need to download the Safaricom App from Apple store or google play store

Please Note; when you sign in for the first time, you will be required to turn on your mobile data to ensure a secure log in. Thereafter, you will sign in using Wi-Fi or mobile data connection.

Accept the terms and conditions
Enter a valid M-PESA PIN for authentication

Thereafter, to successfully log in you will need to:

Type in your valid M-PESA PIN for authentication

To send money from Safaricom App customers will:

Launch my Safaricom app
Select send money
Enter phone number or select number from your contacts
Enter amount
You will receive a prompt message that asks if you can proceed with the PIN transaction>select send
Complete the transaction using M-PESA PIN or biometric authentication.
You will receive an SMS confirmation that funds have been sent from your M-PESA Account.

4. Send Money via USSD

Dial *334#
Select send money
Enter phone number
Enter amount
Enter M-PESA PIN
You will receive a message that prompts you to accept or cancel
Accept, and the transaction goes through

Withdraw Funds

Withdraw funds is a service that allows a user to access hard cash from the funds held in their M-PESA wallet or funds received as “give cash” from an unregistered M-PESA Agent. Registered and unregistered users have access to withdrawal services. One can withdraw in two ways.

At any Mobile Money Agent.
At an ATM.

Registered M-PESA customers can withdraw money using any of these channels:

STK (Sim Tool Kit)
M-PESA Super App
My Safaricom App
USSD *334#
Automated Teller Machine (ATM)

Withdrawal at an M-PESA Agent: For a Registered User

Walk to the nearest M-PESA Agent and enquire with the agent if they have enough funds for your transaction.

1. Withdrawal via Safaricom Menu or SIM Toolkit

Select M-PESA
Select withdraw cash
Select from agent>>Enter agent number which is displayed at the agent’s shop
Enter the amount you wish to withdraw
Confirm to accept transaction details
You and the agent will receive an SMS confirming the transaction. The agent will give you the cash.

2. Withdraw on M-PESA Super App

Launch the M-PESA Super App
On the home screen, Select withdraw
Select withdraw at agent>>Enter agent number which is displayed at the agent’s shop
Enter the amount you wish to withdraw
Confirm and accept transaction details
You and the agent will receive an SMS confirming the transaction

3. Withdraw on My Safaricom App

Launch the M-PESA My Safaricom app
On the M-PESA tab, Select withdraw cash
Select from agent>>Enter agent number which is displayed at the agent’s shop
Enter the amount you wish to withdraw
Confirm and accept transaction details

4. Withdrawal via USSD

Dial *334#
Select withdraw cash
Select withdraw from agent>>Enter agent number which is displayed at the agent’s shop
Enter the amount you wish to withdraw
Confirm and accept transaction details
You and the agent will receive an SMS confirming the transaction

5. ATM Withdrawal Service

This service is available to M-PESA registered users who wish to withdraw funds from their phone at the Bank's Automated Teller Machine (ATM). To withdraw, there is a two-step process that customers will follow i.e.:

Step 1: The phone process

On your phone, either via STK (Sim Toolkit), USSD (*334#), My Safaricom App or M-PESA Super App.

Select withdraw from ATM
Enter ATM number >>Enter your M-PESA PIN

You will receive SMS notification from M-PESA with a 6-digit authorization code

Note: The code expires after 10 minutes, and you will be expected to initiate the transaction afresh if you wish to withdraw money again.

Step 2: The ATM process:

Select the M-PESA button on the ATM
Select your preferred language
Enter the 6-digit ATM Authorization code on the ATM Keyboard
Enter your Safaricom mobile number
Enter the amount you wish to withdraw; press continue to proceed with transaction
The ATM will dispense your cash and issue you with a receipt. You will also receive an SMS from M-PESA confirming the transaction.

6. Withdrawal at M-PESA Agent; For an Unregistered Customer

When you send money to an unregistered customer, they will receive a one-time voucher from M-PESA with a 4-digit code which they will use to withdraw money from an M-PESA Agent. In case this SMS is not received or accidentally deleted, the receiver can call line 100 (prepaid) or 200 (postpaid) and request for the voucher to be re-sent.

Below are the steps Unregistered Customers will need to follow to access the hard cash:

Go to an M-PESA Agent.
Confirm if the Agent has enough funds for your transaction.
Present the SMS containing the M-PESA Voucher Number
Give your phone number and show the original ID.
Both the Agent and the customer will receive an SMS confirming their transaction.
The Agent will give you cash of the equivalent value shown in the Voucher.