M-Pesa App Guide

What the M-Pesa app is for

The official M-Pesa app lets Safaricom customers do many of the things they do through *334#, with a more visual menu. Safaricom has been adding features to it over time, including links to services such as PayPal.

Useful things you can do in the app

• Send money and pay bills or tills with your PIN or biometrics.
• Check recipient names before sending, which helps you avoid wrong transfers.
• Generate your statement; see our statement guide.
• Request reversals for some wrong transactions; see our reversal guide.
• Link PayPal and move money; see our PayPal guide.

Menu names and features change, so follow the prompts in your own app.

Install it safely

Download only from the official app store listing from Safaricom, keep the app updated and use a screen lock. Do not install apps from links in messages, and be careful of fake apps that copy the M-Pesa name.

Security habits

Never share your PIN, one-time codes or SIM details. Safaricom or real agents will not ask for your PIN. Check the confirmation screen for name, number and amount before you approve. Keep your SIM registered in your own name and report a lost phone or SIM immediately.

Plan your money

Use the app to track spending, keep monthly statements and plan withdrawals, since withdrawal fees add up; see withdrawal charges.

Information checked from Kenyan news and official statements, October 2026. Paybill numbers, menus and rules can change. Always confirm the business name and account details on the M-Pesa confirmation screen before you enter your PIN.

Frequently asked questions

Is the M-Pesa app free?

Downloading is free. Transactions carry the usual charges.

Is the app safer than USSD?

Both can be safe if you protect your PIN and phone. Use whichever you trust and keep it updated.

How do I avoid wrong transfers?

Check the recipient name shown before you enter your PIN.

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