M-PESA
M-PESA. Money for everyone, everywhere.
M-PESA is regulated by the Central Bank of Kenya.
Send Money
Send to any M-PESA number, Tuma Popote, request money.
OpenLipa na M-PESA
Pay to PayBill, Till (Buy Goods), Pochi la Biashara or pay online.
OpenM-PESA Global
Send and receive across East Africa, Western Union, PayPal, AliExpress.
OpenReversal
Reverse a wrong M-PESA — DIY via SMS to 456, the M-PESA app, or Zuri.
OpenM-Shwari
Paperless savings and short-term loans on M-PESA — open via *334#.
OpenZiidi MMF
Safaricom's money market fund. Invest from KSh 100, earn daily.
OpenFuliza
Overdraft for moments when your M-PESA is short.
OpenM-PESA GO
Get the kids money-savvy. Parental control, safety and transparency.
OpenHalal Pesa
Shariah-compliant savings and credit on M-PESA.
OpenRegulated by the Central Bank of Kenya
M-PESA savings and credit are offered with our banking partners — your money sits in a bank account in your name.
Helpful M-PESA channels
Whatever phone you carry, M-PESA meets you where you are.
M-PESA Super App
All your M-PESA in one app — send, save, borrow, pay, invest.
USSD *334#
Works on any phone, no internet needed. The classic M-PESA menu.
SIM Toolkit
Built into your SIM — handy when the app or USSD aren't available.
mySafaricom App
Manage line + M-PESA, statements, Bonga points and live chat.
Also on M-PESA
Pochi la Biashara
Separate business funds from personal
For sole traders. Receive payments from customers into a business wallet on the same line.
Learn more →Short-Term PayBill
Fundraise quickly, transparently
For medical bills, funerals, weddings, education and charity. Apply at a Safaricom shop.
Find a shop →M-PESA Journey
From a pilot to a way of life
Celebrating 18+ years of changing how Kenya transacts. From sending money to powering banks, businesses and dreams.
What's new →Need help with M-PESA? Ask Zuri.
Chat or speak to Zuri for step-by-step help, balances, reversals and bundle purchases — popote ulipo.