What is M-Pesa and why you need it
M-Pesa is a mobile money service that allows you to send and receive money, pay bills, buy goods and services, and more using your mobile phone. It is available in several countries across Africa and Asia, such as Kenya, Tanzania, Mozambique, India, etc. M-Pesa is fast, convenient, secure, and affordable. You don't need a bank account or a credit card to use it. All you need is a registered SIM card and a PIN code.
In this article, we will focus on how to download and use the M-Pesa app for Android devices. The M-Pesa app is a new and improved way to access your M-Pesa account and enjoy more features and benefits. With the M-Pesa app, you can do more on M-Pesa faster and easier. You can view and manage your finances, track your spending, access offline mode, use biometric authentication, scan QR codes, and more. Read on to find out how to get started with the M-Pesa app.
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How to download M-Pesa app for Android
There are two ways to download the M-Pesa app for Android devices: from the Google Play Store or from an APK file.
From the Google Play Store
The easiest way to download the M-Pesa app is from the Google Play Store. Here are the steps:
Open the Google Play Store app on your Android device.
Search for "M-Pesa" in the search bar.
Select the M-Pesa app by Safaricom Limited (for Kenya) or by Vodafone (for other countries).
Tap on "Install" and wait for the app to download and install.
Open the app and log in with your phone number and PIN code.
From an APK file
If you can't access the Google Play Store or prefer to download the app from another source, you can use an APK file. An APK file is an Android application package that contains all the files needed to install an app. However, be careful when downloading APK files from unknown sources as they may contain malware or viruses. Here are the steps:
Go to a trusted website that offers APK files for Android apps. For example, you can use .
Search for "M-Pesa" in the search bar.
Select the latest version of the M-Pesa app by Safaricom Limited (for Kenya) or by Vodafone (for other countries).
Tap on "Download APK" and wait for the file to download.
Before installing the APK file, you need to enable "Unknown sources" on your device settings. Go to Settings > Security > Unknown sources and toggle it on.
Locate the downloaded APK file on your device storage and tap on it.
Follow the instructions on the screen to install the app.
Open the app and log in with your phone number and PIN code.
How to use M-Pesa app for various transactions
Once you have downloaded and logged in to the M-Pesa app, you can use it to perform various transactions. Here are some of the most common ones:
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How to send money
You can send money to anyone who has a registered M-Pesa account, whether they are in your country or abroad. Here are the steps:
On the home screen of the app, tap on "Send Money".
Select the recipient from your contacts or enter their phone number manually.
Enter the amount you want to send and confirm.
Enter your PIN code and tap on "Send".
You will receive a confirmation message with the transaction details.
How to buy goods and services
You can use the M-Pesa app to pay for goods and services at various merchants, such as supermarkets, restaurants, online shops, etc. Here are the steps:
On the home screen of the app, tap on "Buy Goods and Services".
Select the merchant from your favourites or scan their QR code or enter their till number manually.
Enter the amount you want to pay and confirm.
Enter your PIN code and tap on "Pay".
You will receive a confirmation message with the transaction details.
How to pay bills
You can use the M-Pesa app to pay for various bills, such as electricity, water, TV, internet, etc. Here are the steps:
On the home screen of the app, tap on "Pay Bills".
Select the biller from your favourites or enter their business number manually.
Enter your account number and the amount you want to pay and confirm.
Enter your PIN code and tap on "Pay".
You will receive a confirmation message with the transaction details.
How to manage your M-Pesa account on the app
The M-Pesa app also allows you to view and manage your M-Pesa account easily. Here are some of the things you can do:
How to check balance
You can check your M-Pesa balance anytime on the app. Here are the steps:
On the home screen of the app, tap on "Balance".
Enter your PIN code and tap on "Check".
You will see your available balance and your mini statement.
How to view statement
You can view your full M-Pesa statement for up to 12 months on the app. Here are the steps:
On the home screen of the app, tap on "Statement".
Select the period you want to view and tap on "View".
You will see your detailed statement with all your transactions.
You can also download or share your statement as a PDF file.
How to download receipts
You can download receipts for any transaction you have done on M-Pesa on the app. Here are the steps:
On the home screen of the app, tap on "Receipts".
Select the transaction you want to download a receipt for and tap on it.
You will see a preview of your receipt with all the details.
Tap on "Download" or "Share" to save or send your receipt as a PDF file.
How to set favourites
You can set favourites for any contact, merchant, or biller that you frequently transact with on M-Pesa. This will make it easier and faster for you to send money, buy goods, or pay bills. Here are the steps:
On the home screen of the app, tap on "Favourites".
Select the category you want to add a favourite for: Contacts, Merchants, or Billers.
Select or enter the details of your favourite and tap on "Add".
You will see your favourite added to your list.
You can also edit or delete your favourites anytime.
How to access M-Pesa offline and online
The M-Pesa app also gives you two options to access your M-Pesa account: offline mode and online mode. Here is what they mean:
How to use offline mode
If you don't have data or Wi-Fi connection, you can still use the M-Pesa app in offline mode. Offline mode allows you to perform basic transactions such as sending money, buying goods, and paying bills using USSD codes. Here are the steps:
On the home screen of the app, tap on "Offline Mode".
Select the transaction you want to do and enter the details.
You will see a USSD code generated on your screen.
Dial the USSD code on your phone and follow the prompts.
You will receive a confirmation message with the transaction details.
How to use online mode
If you have data or Wi-Fi connection, you can use the M-Pesa app in online mode. Online mode allows you to access more features and benefits such as M-Pesa Global, Fuliza, M-Shwari, etc. Here are some of the things you can do:
How to use M-Pesa Global
M-Pesa Global is a service that allows you to send and receive money across the world using your M-Pesa account. You can send money to bank accounts, mobile wallets, or cash pick-up points in over 200 countries. You can also receive money from Western Union, WorldRemit, PayPal, etc. Here are the steps:
On the home screen of the app, tap on "M-Pesa Global".
Select whether you want to send or receive money.
Enter the details of your transaction and confirm.
Enter your PIN code and tap on "Send" or "Receive".
You will receive a confirmation message with the transaction details.
How to use Fuliza
Fuliza is an overdraft service that allows you to complete your M-Pesa transactions even when you have insufficient funds in your account. You can borrow up to a certain limit depending on your credit score and repay it later with a small fee. Here are the steps:
On the home screen of the app, tap on "Fuliza".
You will see your Fuliza limit and balance.
To use Fuliza, simply initiate a transaction as usual and if you have insufficient funds, Fuliza will cover the difference.
To repay Fuliza, simply deposit money into your M-Pesa account and it will be deducted automatically.
How to use M-Shwari
M-Shwari is a savings and loan service that allows you to save money and earn interest or borrow money and repay it with a low interest rate. You can access M-Shwari on your M-Pesa app if you are in Kenya. Here are the steps:
On the home screen of the app, tap on "M-Shwari".
Select whether you want to save or borrow money.
Enter the amount you want to save or borrow and confirm.
Enter your PIN code and tap on "Save" or "Borrow".
You will receive a confirmation message with the transaction details.
How to secure your M-Pesa account on the app
The M-Pesa app also provides you with various options to secure your M-Pesa account and protect it from unauthorized access or fraud. Here are some of the things you can do:
How to use biometric authentication
You can use biometric authentication to log in to your M-Pesa app using your fingerprint or face recognition instead of entering your PIN code. This will make it easier and safer for you to access your account. Here are the steps:
On the home screen of the app, tap on "Settings".
Tap on "Biometric Authentication".
Select whether you want to use fingerprint or face recognition.
Follow the instructions on the screen to register your biometric data.
The next time you log in to the app, you can use your fingerprint or face recognition instead of your PIN code.
How to use PIN code
You can also use a PIN code to log in to your M-Pesa app and authorize transactions. Your PIN code is a four-digit number that you set when you register for M-Pesa. You should keep it secret and not share it with anyone. You should also change it regularly to avoid being hacked. Here are the steps:
On the home screen of the app, tap on "Settings".
Tap on "Change PIN".Enter your current PIN and your new PIN and confirm.
You will receive a confirmation message with the PIN change details.
How to use QR code
You can also use a QR code to scan and pay for goods and services at various merchants that support M-Pesa QR code payments. This will make it faster and easier for you to pay without entering any details. Here are the steps:
On the home screen of the app, tap on "QR Code".
Allow the app to access your camera and scan the QR code displayed by the merchant.
Enter the amount you want to pay and confirm.
Enter your PIN code and tap on "Pay".
You will receive a confirmation message with the transaction details.
Conclusion and FAQs
In conclusion, the M-Pesa app is a great way to access and enjoy the benefits of M-Pesa on your Android device. You can download the app from the Google Play Store or from an APK file and use it to perform various transactions, manage your account, access offline and online modes, and secure your account. The M-Pesa app is fast, convenient, secure, and affordable. You should try it out today and see for yourself.
Here are some FAQs that you might have about the M-Pesa app:
Q: How do I register for M-Pesa?
A: To register for M-Pesa, you need to visit an authorized M-Pesa agent or outlet with your ID card or passport. You will fill out a registration form and receive a SIM card with M-Pesa activated. You will also set your PIN code and receive a confirmation message with your M-Pesa number.
Q: How do I top up my M-Pesa account?
A: To top up your M-Pesa account, you can either buy airtime from an authorized M-Pesa agent or outlet and convert it to M-Pesa or use a debit or credit card on the M-Pesa app or website.
Q: How do I check my transaction charges?
A: To check your transaction charges, you can either use the calculator feature on the M-Pesa app or website or dial *234# on your phone and follow the prompts.
Q: How do I contact customer care?
A: To contact customer care, you can either use the chat feature on the M-Pesa app or website or call 100 (for Safaricom customers) or 234 (for other customers).
Q: How do I update my M-Pesa app?
A: To update your M-Pesa app, you can either visit the Google Play Store and check for updates or download the latest APK file from a trusted website and install it. 44f88ac181
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