M-Pesa Casinos Online

Are you curious about M-Pesa and how this payment method can be used to deposit and withdraw money from gambling sites? Or did you just stumble upon us in your search for the best online casino that supports M-Pesa and accepts Kenyan players? Either way you’ve come to the right place!

We have created the following page with the ambition of teaching you everything there is to know about M-Pesa itself; the process of using it at casino sites; as well as guiding you to quality gambling operators that support the method. Sit back, relax and enjoy an informative read!

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Here’s What to Expect From the M-Pesa Casinos That We List

As a Kenyan gambling enthusiast looking for a top quality gambling site with M-Pesa deposits, you may be wondering what it is that is so great about the above online casinos that have made us list them. The short answer is that they provide a safe and convenient gambling experience with a ton of games to enjoy; bonuses to make use of and a professional customer support to receive help from.

If you’d rather get the long answer, this includes the following:

  • All listed M-Pesa casinos are licensed by the Malta Gaming Authority (MGA)

What this translates to is that the online casino experience is 100% safe and secure. MGA is one of the most respected organizations in the gambling industry that issue licenses to operators. They are incredibly strict when it comes to fairness of games; legibility of terms and conditions; deposit limits and several other things that protect you as a player.

  • The game selection is huge no matter the gambling site you pick

While we ought to point out that some of the online casinos that support deposits with M-Pesa have a wider game selection than others, there’s no question that it’s absolutely great at all of them. You will find thousands of top quality slot machines from the best game providers in the gambling industry and several new ones being added every week.

Additionally, a superb live casino experience is offered by Evolution Gaming which allows you to play a long list of table game classics and creatively designed games against real dealers. This includes, but is not limited to roulette, blackjack, baccarat, craps, money wheels, dice games and poker.

  • You will find an impeccable customer support available 24/7

By playing at any of our recommended gambling sites you will find a professional customer service that can be reached all around the clock on live chat and e-mail. Additionally, some of the operators also offer the possibility of getting help over the phone.

What’s particularly great about the support is that they know what service-mindedness means, which is far from what can be said about all Kenyan M-Pesa casinos. You can expect quick replies and a great deal of friendliness. Not to mention a very wide knowledge about their products and the gambling industry which allows for errands to be resolved in a timely manner.

  • Bonus offers are valuable and come in plenty at the casinos

Just like the game selection, the amount of casino bonuses that you will receive and the value of these will vary from one gambling operator to another. However, none of the ones that we have listed will disappoint. We know how important bonus offers can be and would never recommend a gambling site with a poor selection or with terms and conditions that weren’t good.

  • All of our listed casinos process M-Pesa transactions quickly

Whether you’re depositing with M-Pesa or withdrawing to your M-Pesa account, all of the Kenyan online casinos that we recommend will handle your transaction quickly. Deposits are usually added to your account within an hour or two when using M-Pesa as a method. 

As of withdrawals, these are almost always processed within 24 hours by the gambling sites’ payments departments. Some of our listed casinos are, however, even faster than that which means that you could receive your winnings to your M-Pesa wallet after just a few hours.

Here at Casinowebsites we take great pride in what we do and spend a lot of time searching for gambling sites that we enjoy playing at ourselves. Thus you can always count on us recommending nothing but the best Kenyan online casinos with M-Pesa deposits and withdrawals on this page.

A Short Introduction to What M-Pesa Is

With more than 17 million registered accounts in Kenya alone, M-Pesa is an incredibly wide-spread payment solution for mobile devices. It’s an e-Wallet that allows you to make quick and convenient transactions to and from your mobile device. The M in the name stands for mobile while Pesa is the Swahili word for money. 

M-Pesa was made available in 2007 by the biggest mobile operator in Kenya, Safaricom, along with the global Vodafone Group. It quickly grew to become one of the most popular payment solutions in the country and these days more or less everyone is well familiar with it.

M-Pesa is not only used to make transactions with online casinos in Kenya. The service also allows users to pay bills, loan money, purchase airtime to the phone, transfer cash to other M-Pesa users and make payments to a list of companies that support the method. While this list is a bit limited at the moment, it is constantly growing and some of the biggest names that support M-Pesa include QATAR Airways, Upwork, PayPal and Alibaba.

What’s cool about M-Pesa is that it allows you to override your balance, which means that you can make payments and send money that you currently do not possess in your account. This can be paid back at a later stage by simply depositing money into your wallet. You can read more about this service, which is known as fuliza, further down in the article.

It’s important to know that almost all transactions with M-Pesa come with a small fee (except for deposits that are made into the wallet). This fee can range from 10 KSHs ($0.26) – 309 KSHs ($2.66) depending on the amount that is sent and if the receiver has a registered M-Pesa account or not.

You see, it’s possible to send money even to people who haven’t signed up for the service. When this is done the receiver will get a voucher that can be exchanged into cash at one of many authorized outlets that handle cash transactions with M-Pesa.

Another important thing to know about M-Pesa is that the service holds a daily cap to transactions. It is only possible to make two transactions every day with each transaction being capped at around $1344 or 150,000 Shilling.

Most transactions with the payment method tend to be instant, which is part of its popularity. However, there are rare occasions when a transfer can take up to 24 hours. Sometimes companies that allow you to make deposits into an account have to manually add the received money as well. This is for instance the case at online casinos that support M-Pesa.

How to Get an M-Pesa Account in Kenya

Signing up for M-Pesa is a fairly easy process that requires you to visit an authorized M-Pesa agent or a retail center for Safaricom. You need to bring a mobile phone with a Safircom sim card with you as well as identification such as any of the following:

  • National ID card in Kenya
  • Valid Passport (non-expired)
  • Military ID in Kenya (only acceptable at Safaricom retail centers)
  • Kenyan foreign certificate (only acceptable at Safaricom retail centers)

After presenting your ID, you will be asked to fill in a registration form and after that an M-Pesa account will be set up for you. A text message will be sent to your phone with a four digit PIN number that needs to be entered to activate the account. This is done the following way:

  1. Open up the Safaricom menu on your phone
  2. Choose the option that says “M-Pesa” followed by “Activate/Wezesha”
  3. Now enter the four digit PIN that was sent to you

After this you will be asked to create your own four digit PIN code that will be used to confirm all transactions that you make with M-Pesa. Along with this you will be asked to enter the ID number that you presented to the agent during the registration process.

That’s it! You can now fund your M-Pesa account with money or receive money to it which can then be cashed out. To find out how this is done, check out the below section.

Depositing Money to and Withdrawing Cash From M-Pesa

Making transactions from and to your M-Pesa account is quite a convenient process that can be done in several different ways. To teach you all about how it’s done, we have explained below how money can be funded to your account as well as cashed out. Further down in the article you will also find out how transactions are made to and from online casinos using M-Pesa.

Depositing Money to M-Pesa

There are three ways that money can be deposited into your M-Pesa wallet on your mobile device:

  • Depositing cash by visiting an M-Pesa outlet agent
  • Transferring money from from your bank account
  • Transferring cash from your PayPal wallet account

Below we have described how these deposits are done using a simple step-by-step guide.

Depositing money to M-Pesa using an agent

  1. Visit a store that is an authorized agent for M-Pesa
  2. Hand over the cash that you would like to deposit to your wallet
  3. The agent will now use their M-Pesa account to transfer the received money to yours
  4. A text message will be sent to you confirming the transaction

Depositing money to M-Pesa using your bank account

  1. Register for internet banking / mobile banking with your bank
  2. This will allow you to receive a unique USSD code
  3. Dial the USSD number on your phone
  4. Now follow the instructions given on the screen to deposit money into your M-Pesa account (the process will be slightly different from one bank to another)

Depositing money to M-Pesa using PayPal

  1. Make sure that your PayPal and M-Pesa account are linked (you can read how to do it here)
  2. Visit the following webpage: www.paypal-mobilemoney.com/m-pesa
  3. Login to your PayPal account
  4. Click on the button that says “Withdraw from PayPal”
  5. Enter the amount you would like to send to M-Pesa
  6. Confirm the transaction by clicking on “confirm”

Withdrawing Money From M-Pesa

Cashing out money from your M-Pesa account can be done in three different ways:

  • Receiving cash in hand by visiting an authorized M-Pesa agent outlet
  • Receiving cash in hand by using an ATM
  • Transferring money to your bank account
  • Transferring money to your PayPal wallet

Below we have created an easy step-by-step guide for each of these methods.

Withdrawing money from M-Pesa using an agent

  1. Visit an authorized M-Pesa agent outlet
  2. Check with the agent to confirm that he or she has enough money in the cashier to cover  your withdrawal
  3. Provide the agent with your phone number and identification
  4. In the M-Pesa mobile menu, click on “Withdraw Cash”
  5. The agent will now give you a phone number to deposit money into
  6. Enter the phone number received from the agent
  7. Enter the amount you would like to withdraw
  8. Enter your PIN code and confirm all details
  9. The agent will now give you the transferred money and ask you to sign a book where all transactions from that store is kept track of

Withdrawing money from M-Pesa to your bank account

  1. Go to the M-Pesa menu on your mobile device
  2. Select the option that says “Lipa na M-Pesa
  3. Click on the “Pay Bill” option
  4. Enter the business number of your bank (if you don’t know what this is you need to check with your bank)
  5. Enter your bank account number
  6. Enter the amount you would like to transfer to your bank account
  7. Confirm the transaction by entering your M-Pesa PIN code

Withdrawing money from M-Pesa to PayPal

  1. Link your PayPal account to M-Pesa (you can check how to here)
  2. Login to your PayPal account using this link: www.paypal-mobilemoney.com/m-pesa
  3. Click on the button that says “Top up to PayPal”
  4. Open up the M-Pesa menu in your mobile phone
  5. Click the option that says “Lipan a M-Pesa”
  6. Select “Pay Bill”
  7. Click on “Enter business no.”
  8. Type in the following number: 800088
  9. Now click on “Account no.”
  10. Enter your mobile number
  11. Enter the amount you would like to send to PayPal
  12. Enter your M-Pesa PIN and that’s it
  13. The money will be credited to your PayPal account in a few hours

Withdrawing money from M-Pesa using an ATM

  1. Open up the M-Pesa mobile menu
  2. Choose the option that says “Withdraw Cash”
  3. Enter agent number 555555 or 286286 depending on the bank that you have (you can find out which number belongs to which bank below)
  4. Enter your PIN code
  5. You will now receive a text message to your phone with a verification code that needs to be entered on the ATM. Please note that this code will expire after 4 minutes.
  6. On the ATM, choose the option that says “M-Pesa”
  7. Pick the language you would like information to be displayed in
  8. Now enter the verification code that you received in step 5
  9. Enter the mobile number of your M-Pesa account
  10. Choose the amount you would like to withdraw
  11. Confirm the transaction and receive your money

Please note that banks that support ATM withdrawals with M-Pesa currently include the following ones and have the following agent numbers:

  1. KCB (555555)
  2. Family Bank (555555)
  3. Sidian Bank (555555)
  4. Stanbic Bank (555555)
  5. NIC Bank (555555)
  6. Credit Bank (555555)
  1. Prime Bank (555555)
  2. GT Bank (555555)
  3. Faulu Bank (555555)
  4. Solution Sacco (555555)
  5. DIB Bank (555555)
  6. Equity Bank (286286)

If your bank isn’t listed you cannot make an ATM withdrawal with M-Pesa at this moment.

Using M-Pesa at Online Casinos That Accept Kenyan Players

If you’re interested in gambling over the internet and would like to make your casino transactions with M-Pesa this is easily done. We would, however, say that it’s not as smooth as using many other options as deposits aren’t instant. But if you want to use M-Pesa anyway it’s still a pretty convenient method.

Below we have created a step-by-step guide for deposits, as well as withdrawals, which covers the entire process of using M-Pesa at legitimately licensed online casinos in Kenya.   

Depositing Money to Gambling Sites With M-Pesa

  1. Create an account with a Kenyan online casino that supports M-Pesa
  2. Head to the cashier at the gambling site
  3. Choose M-Pesa as a payment method
  4. This will give you the casino’s business number that you need to make the transaction to
  5. On your mobile device, open up the M-Pesa menu
  6. Select the option that says “Lipan a M-Pesa” followed by “Pay Bill”
  7. Enter the business number received from the online casino
  8. Enter the amount you would like to deposit into your gambling account
  9. Enter your PIN number and confirm the transaction
  10. The money will be credited to your account as soon as the casino manually adds it

Please note that online casino transactions with M-Pesa aren’t automatically processed, but the payments department of the gambling site needs to manually add the deposited amount to your player account. This is usually done within a few hours.

Withdrawing Money From Gambling Sites With M-Pesa

  1. First of all make sure that your casino account is verified (you can read how to below)
  2. Head to the cashier at the gambling site
  3. Select M-Pesa and enter the amount you would like to withdraw
  4. Now enter the phone number of your M-Pesa account
  5. Confirm the transaction and wait for the money to be received

If you choose to play at any of the Kenyan M-Pesa casinos that we have listed in this article, the payments department at the gambling site will process your withdrawal request within 24 hours. They will check if your account is verified and if it is they will instantly send the requested money from their M-Pesa account to yours. If your casino account is not verified they will let you know by e-mail and ask you to verify it.

Verifying Your Online Casino Account to Withdraw Money With M-Pesa

It’s important to know that all online casino sites that are legitimately licensed and legally allowed to offer gambling over the internet has to comply to a bunch of regulations. One of these is preventing money laundering and fraud by verifying the identity of all of their players. To do this they will ask you to upload the following documents under your account settings at the casino:

  • A photo copy of an identification

This could either be a passport, driver’s license or government issued ID card

  • A photo copy of a proof of address

This could be any official document that has your name and address on it. For instance, an electricity bill, a rental agreement or a bank statement.

It’s important that the photos that you upload are of good quality and show the entire document (preferably all corners of it). If not the verification may not be approved.

Do note that M-Pesa is not the only payment method that requires you to go through a verification process, but no matter how you deposit and withdraw you will be asked to do it.

Pros and Cons of Paying With M-Pesa at Online Casinos

To give you a brief overview of the functionality that M-Pesa has as a payment method at Kenyan gambling sites we have created a summarized list of pros and cons.

Pros

+ Once processed, withdrawals are very fast (usually instant)

+ The method is incredibly safe and secure

+ It’s a convenient way of using cash to gamble with as this is easily deposited into M-Pesa

+ Using the fuliza service of M-Pesa cash can be deposited even though it is not available (you can read more about fuliza here)

Cons

The service comes with a small fee on deposits and withdrawals

Deposits are not instant (normally take 2 hours to be credited)

It’s only possible to make two deposits every day

Maximum deposit amount is capped at 150,000 KSHs ($1344) per transaction

An M-Pesa account can only hold 300,000 KSHs ($2688)

Currently, there aren’t that many online casinos that support M-Pesa

Comparing M-Pesa to Other Payment Methods at Online Casinos

While you may be set on using M-Pesa as a payment method to deposit and withdraw with at gambling sites, you should know that most Kenyan online casinos offer a range of other payment options to use. Many of these actually outperform M-Pesa in a lot of different ways, however, not in all. Check the below table to see how M-Pesa compares to other payment methods.

Payment MethodDeposit TimeWithdrawal Time*FeeSafety**Other Info
M-PesaUp to 12 hoursInstantYes5 / 5-
Airtel MoneyUp to 12 hoursInstantYes5 / 5
MuchBetterInstantInstantNo4 / 5-
NetellerInstantInstantNo4 / 5-
SkrillInstantInstantNo4 / 5-
MastercardInstantUp to 5 bank daysNo3 / 5-
VisaInstantUp to 5 bank daysNo3 / 5-
Paysafe CardInstantUp to 5 bank daysNo5 / 5Must withdraw to bank account

* It’s important to note that withdrawal time only refers to the actual transaction time of the payment method. In other words the time that it takes to receive the money to your account once it has been sent by the online casino.

** In terms of safety, it is generally safe to use all of the above listed payment methods as long as you are playing at a gambling site that is legitimately licensed by the Malta Gaming Authority. However, M-Pesa stands out as being an extra secure option as there is no way for anyone to ever access your account unless they actually steal your phone.

In contrast, debit cards such as Visa and Mastercard are the least secure payment methods as with these you are required to enter sensitive card details when making online casino deposits, which someone could possibly steal. It is of course unlikely for this to happen, but it still could.

The same thing can be said about e-Wallets such as Neteller and Skrill. With these you have to enter your login details when making a deposit to an online casino. In the unlikely event that a key logger is installed on your computer this would capture your password.

How to Use the Fuliza Service With M-Pesa (Overriding Your Balance)

A neat feature of M-Pesa is the ability of being able to spend money that you currently do not have in your wallet. It’s like taking a loan, but not quite as you are being overcharged the missing amount that you want to transfer as opposed to receiving any money from an institution.

To activate the fuliza feature, all you have to do is to dial *234# on your phone and select “Fuliza M-Pesa” on the menu that pops up. Here you will be able to opt in to the service.

It’s important to know that the extra money that can be spent with fuliza is limited. This limit depends on your usage of M-Pesa and Safaricom. The more transactions that you make and the more you use Safaricom services the greater the limit will become. It’s reviewed every 3 months.

While there isn’t any set time limit for the payback to happen, you are asked to pay back the owed amount within 30 days. If you don’t the fuliza service will become inaccessible for you and you also risk having your limit lowered for future transactions. Perhaps more importantly, every day carries a 1% interest rate so the longer you wait the more expensive it will be for you.

Paying back any owed fuliza amount is easily done by just adding money to your M-Pesa wallet. If you have 100 KSHs overcharged with fuliza and you deposit 200 KSHs to M-Pesa, your owed amount will automatically be paid, thus your account balance will be 100 KSHs. 

It’s possible to pay bills, send money and buy goods with fuliza. However, it is not possible to withdraw any money using the service.

Topping up Your Phone With Money Using M-Pesa

One of the many things that M-Pesa can be used for is topping up a phone with money, regardless if it is airtime for Airtel that you’re buying, airtime for Telkom or airtime for any other operator. This is easily done by following the below steps.

How to buy Airtel Airtime from M-Pesa

  1. Go to the M-Pesa menu on your mobile phone
  2. Click on “Lipa na M-pesa” followed by “Pay Bill”
  3. Enter the following business number: 220220
  4. Enter AIRT followed by your phone number. For instance AIRT258542.
  5. Enter the amount of airtime you would like to buy
  6. Confirm the purchase by entering your PIN number

How to buy Safaricom airtime from M-Pesa

To buy airtime to Safaricom all you have to do is to follow the above steps, but instead of typing in AIRT as an operator code in step 4 you type in SAFC followed by your phone number. For instance SAFC258542.

How to buy Telkom airtime from M-Pesa

Buying airtime to Telkom using M-Pesa is similar to Safaricom and Airtel. However, step 3 and 4 are both different. In step 3 you need to enter 777711 as a business number and in step 4 there is no operator code to enter. Instead you just enter your phone number.     

Utilizing M-Pesa to Pay Bills and Making Bank Deposits

Just like topping up your phone with money can be conveniently done with M-Pesa, so can paying for electricity, internet, loans and governmental services. All you need to do is to access the “Pay Bill” option in the M-Pesa menu which you will find located under the option that says “Lipa na M-pesa”.

Here you will be asked to enter the business number of the company you are paying to as well as your account number. Below we have elaborated on this for GOTv, DSTv, NHIF, KPLC, KCB and Equity, which are all companies that are popular for M-Pesa bill payments and transfers.

How to Pay GOTv

Use the following business number: 423655

The account number should be the IUC number of your decoder. You will find this on the red sticker that’s attached to the bottom of it.

How to Pay DSTv

Use the following business number: 444900

The account number should be your smart card number. This is written on the card in the decoder.

How to Pay NHIF

Use the following business number: 200222

The account number should be you national ID card number followed by the letter “y”. For instance, 27138634y.

How to Pay KPLC

Use the following business number: 888888

The account number is simply the account number you have with KPLC.

How to Pay KCB (transferring money to a KCB account)

Use the following business number: 522522

Enter the bank account number of the KCB account.

How to Pay Equity (transferring money to an Equity account)

Use the following business number: 247247

Enter the bank account number of the Equity account.

Reversing Incorrect M-Pesa Transactions

Sending money to the wrong account can happen to anyone. Luckily Safaricom is doing hell of a good job returning money back that has been incorrectly sent. If you’ve noticed that you’ve made an error when making a transaction you can get a refund by following the below steps:

  1. Copy the text message that you received as a confirmation on your transaction
  2. Create a new text message and paste this confirmation message in it
  3. Send the message to the following number: 456

That’s it. Safaricom will now do their best to reverse the M-Pesa transaction and refund your money as soon as possible. This is often done within minutes. However, it can take several hours or even several days at rare occasions.

It’s important to note that Safaricom can only make a refund if the money that was sent is still in the M-Pesa account of the receiver. If it is not then there’s unfortunately nothing that can be done.

Unblocking M-Pesa After Entering an Incorrect PIN Code

As a security measure all M-Pesa accounts become blocked if the wrong PIN number is entered five times in a row. The only way to unblock an account is getting in touch with Safaricom’s customer service. This can be done the following ways:

Unless you’re visiting a center you will be asked to provide your phone number, full name, identification number and current M-Pesa balance. At a center all you need is your phone number and ID. Therefore this is the only valid option if you cannot remember your account balance.

Getting a Monthly Account Statement From M-Pesa

If you’re interested in receiving a monthly summary of all of your M-Pesa transactions this is easily done. By following the below step-by-step guide you will have everything sent to your e-mail on the 5th of every month.

How to get M-Pesa statements

  1. Access the M-Pesa menu by dialing *234#
  2. Select the option that says “My M-Pesa Information”
  3. Click on “M-Pesa Statement” followed by “Full Statement”
  4. Now enter your National ID card number
  5. Enter your e-mail address
  6. That’s it!

Full List of Service Fees Involved With M-Pesa

As mentioned a couple of times in the article, most transactions with M-Pesa come with a fee. Some services related to the payment method are, however, free of charge. To give you a complete overview, we have created a full list of all fees that exist as well as the services that are free to use.

Withdrawing Money From an Authorized Outlet Agent
Withdrawn Amount (KSHs)
Fee (KSHs)
Percentage of Fee
1 - 49
Can’t withdraw this amount
 
-
50 - 100
10
10% - 20%
101 - 500
27
5.4% - 26%
501 - 1,000
28
2.8% - 5.5%
1,001 - 1,500
28
1.9% - 2.8%
1,501 - 2,500
28
1.1% - 1.9%
2,501 - 3,500
50
1.4% - 2%
3,501 - 5,000
67
1.3% - 1.9%
5,001 - 7,500
84
1.1% - 1.7%
7,501 - 10,000
112
1.1% - 1.5%
10,001 - 15,000
162
1.1% - 1.6%
15,001 - 20,000
180
0.9% - 1.2%
20,001 - 35,000
191
0.5% - 0.9%
35,001 - 50,000
270
0.5% - 0.8%
50,001 - 150,000
300
0.2% - 0.6%
Withdrawing Money From an ATM
Withdrawn Amount (KSHs)
Fee (KSHs)
Percentage of Fee
200 - 2,500
34
1.4% - 17%
2,501 - 5,000
67
1.3% - 2.7%
5,001 - 10,000
112
1.1% - 2.2%
10,001 - 20,000
197
1% - 2%
Sending Money to an Unregistered M-Pesa User
Amount Sent (KSHs)
Fee (KSHs)
Percentage of Fee
1 - 49
Free
-
50 - 100
Free
-
101 - 500
45
9% - 44%
501 - 1,000
49
4.9% - 9.7%
1,001 - 1,500
59
3.9% - 5.9%
1,501 - 2,500
74
2.9% - 4.9%
2,501 - 3,500
112
3.2% - 4.5%
3,501 - 5,000
135
2.7% - 3.8%
5,001 - 7,500
166
2.2% - 3.3%
7,501 - 10,000
205
2% - 2.7%
10,001 - 15,000
265
1.8% - 2.7%
15,001 - 20,000
288
1.4% - 1.9%
20,001 - 35,000
309
0.9% - 1.5%
35,001 - 50,000
Can’t make such transfer
-
50,001 - 150,000
Can’t make such transfer
-
Sending Money to a Registered M-Pesa User
Amount Sent (KSHs)
Fee (KSHs)
Percentage of Fee
1 - 49
Free
-
50 - 100
Free
-
101 - 500
Free
-
501 - 1,000
Free
-
1,001 - 1,500
26
1.7% - 2.6%
1,501 - 2,500
41
1.6% - 2.7%
2,501 - 3,500
56
1.6% - 2.2%
3,501 - 5,000
61
1.2% - 1.7%
5,001 - 7,500
77
1% - 1.5%
7,501 - 10,000
87
0.9% - 1.2%
10,001 - 15,000
97
0.6% - 1%
15,001 - 20,000
102
0.5% - 0.7%
20,001 - 35,000
105
0.3% - 0.5%
35,001 - 50,000
105
0.2% - 0.3%
50,001 - 150,000
105
0.07% - 0.2%
M-Pesa Services That Are Free of Charge
- All deposits made into your M-Pesa wallet (from bank or agent)
- Registering for an M-Pesa account
- Buying airtime for Airtel, Safricom or Telkom
- Checking your M-Pesa balance
- Changing your M-Pesa PIN code
- Signing up for monthly M-Pesa statement service

Frequently Asked Questions About M-Pesa

How do I link my PayPal account to M-Pesa?

Linking your PayPal account to M-Pesa is quickly done by going to the following website:

www.paypal-mobilemoney.com/m-pesa

After visiting this page all you have to do is to login to your PayPal account and enter the mobile number connected to your M-Pesa account. A text message with a verification code will be sent to you. Enter the code and you’re all done!

How can I withdraw money from PayPal to M-Pesa?

To withdraw money from PayPal to M-Pesa you first of all need to link the two accounts together. Once that is done, login to your PayPal account by going to the PayPal M-Pesa page. Now click on a button that says “withdraw from PayPal” and enter the amount you would like to cash out. Confirm the transaction with a click of a button and you’re all done.

What countries are M-Pesa supported in?

The payment solution is currently live in the following seven countries: Democratic Republic of Congo, Egypt, Ghana, Kenya, Lesotho, Mozambique and Tanzania.

Is it free to register for an M-Pesa account?

Yes, it is completely free. Just visit a Safaricom retailer or an authorized agent with an ID and your mobile phone and they will set you up with an account. Do, however, note that you need to have a Safaricom sim card to have an M-Pesa account.

How much money can I store in my M-Pesa wallet?

The maximum amount of money that an M-Pesa account can hold is 300,000 shillings or approximately $2688.

How do I check my M-Pesa balance?

In the M-Pesa menu on your phone, simply click on the option that says “Check balance” and enter your PIN code. A text message will then be sent to you with your current balance.

How can I change my PIN code on M-Pesa?

Open up the M-Pesa menu and select the option that says “Change PIN”. Enter your current PIN and press ok. After that enter the new PIN you would like to have and confirm it. That’s it. A confirmation message will be sent as an SMS to you.

What is the minimum amount that can be withdrawn at an outlet?

Visiting an authorized M-Pesa agent the minimum amount that can be cashed out is 51 KSHs.

Why can I not send more than 35,000 KSHs to an unregistered user?

This has to do with anti-money laundering laws. The Central Bank of Kenya requires that all transactions above 35,000 KSHs are made only to users who have gone through KYC (know your customer). In other words, people whose identity has been verified.

How long can money be stored in an M-Pesa wallet?

As long as transactions are made there is no time limit. However, if the account remains unused for two years all funds will be transferred to the UFAA (Unclaimed Financial Assets Authority) as they are considered to be abandoned.

List of M-Pesa Outlet Agents in Kenya

There’s an enormous amount of outlets that you can visit in Kenya that are authorized to deposit money into your M-Pesa account and allow you to make cash withdrawals. It should be anything but hard finding an agent as more or less every town has one, if not several ones. However, to help you out we have still gathered a list of M-Pesa agents for all towns in Central Kenya as well as the coast side of the country.

M-Pesa Agents in Central Kenya

TownShop
AbokeStar Mobile
AdungosiWabcom
AkadoTesia Supermarket
AkatsaCarolma Communication
AkhumatiboNayan Communication
AlwalaPema Communications
AmagoroTotal com
Amalembacombase
AmukuraTellem Communication
AramBamboo Communications
Asembo bayMatrix Bussiness Consultants
AsingeDan Phamacie
AskotePeak Africa Ltd
BahaiSajells Comm.Ltd
BandaniMukmik Consultants
BandeBlue berry wireless
BanjaPesa Link
Bar marketAl Haq
Bar OberBerricom
BarbatonAntocom Telcom Ltd
BarkorwaAngian Communication
BilwaniStar mobile
BodiMuaki Pharmaceuticals
Bokolisisto communication
BookersRamna Enterprises Ltd
BoroBrecone Services
BoyaniExpress Strategies
BudalangiWayshan
BudokomiYankees Ltd
BuhuruNimocoms Ltd
BukembeTellem
BukhalalireMinimi enterprises
BukiriMagnum services
BukugaMobicom-Cowawa Investments
BukuraVWAX Enterprises
BulandaFaricom Mercury
BulemiaRonimer Enterprises
BumalaMosirgaa
BumbeBamboo Communication
BungomaObbitel Communication Ltd
BushiriBreacon Services
BusiaSafaritel Ltd
BusibwaboSikulanet Communication Ltd
Busombi marketwalid ltd
ButereWebb Communications
Butere-LowerWebb Communications
ButulaBritalshine
BuyanguStar mobile
BuyofuStar mobile
Buyofubamboo communication
ChakalainiiMasaa Communication
ChamakangaCrafton Enterprises
ChangaraUltimate communication
ChavakaliHaliam
ChebwaiNemus Enterprises Ltd
ChekalainiExtreme Connections
ChengoX-Bionet
Cheptaisnilla communications ltd
CheptulFeljo Communications
ChesamisKendsal Distributers
Cheskakivital products
ChimoiWalid Ltd
Chula ImboExpress Strategies
ChutberCeabud Engineering Services
Chweleteletext
DagoFlawless Consotrium
Daraja MbiliKut Communications
DemesiZemu investments ltd
DepoWebbcom
Discounr KambiriJokakar Communication
Dorofujokakar communication
EkeroNemus (k) Enterprises Ltd
Ekwandaextrime connections
EluguluCrafton limited
EmatioliExtreme Connections
EmuhayaJobliu Telecom
EregiJobliu Telecom
EsibuyeErrican Comm. Ltd
FunyulaSuperiorfones-Silky Treasures
GambogiCosin Business System
GangaStar Mobile
GanjalaPhoneart Solutions
GisambaiCossins Business servises
GivogiAtlantic Communications
HamisiStar Mobile
HarambeeTellem
HawingaJobliu Telecoms
HoloPep intermedius 1
HumaFlowles consotium
Ikonyero Village 
IlehoJokakar Communication
IlesiMosir-Gaa Company Ltd
ImangaWalid ltd
IngotseHark Investment
IngotseBreacone Servises
IsongoBreacone Servises
IsuluWebb Communication
IvihigaKenya Assemblies of God
JebrokKami Holdings
JepsisiPep Intermedius Ltd
JeraEazytalk Communication
JeraAntocom Telcom Ltd
KabulaRobbytech
KaburenguBrecone Company
KakamegaG4S
KalandiniKisasa comm
KambiWalid Communication
kambiriBiawmahe Investments
KamukuywaMukmik Cosultants
Kanduyijadedo investment
KanyumbaRonimer enterprises
KapkatenyTele worth Communications
KapsokwonyFrankom Intergrated Ltd
KaptamaYes We Can
KawakaClean sharp ltd
KemodoTesia
KhaungaBiawmahe ltd
KhumatiboBrecone Services
KhumusalabaCarolina Comm
KhwiseroCarolina Communication
Kibabihot spot communication
KibisiJokakar Communication Ltd
KiboswaKut Communications
KibukMasaa Communication
KimaVwax Enterprises Ltd
KimaHark Investment
kimaetijadedo investment
Kimang'etiFrankom Intergrated
KimililiComet Cyber  JP
Kimwangaghimso enterprise
KirituTonycom Communications
KisianCeabud Engineering Services
KisumuMagnum Services
Kocholiajoblue
KodiereLambalo Comm
KolenyoSheer Quality Partner
KombewaBerricom Agencies
KondeleCarolma Communications ltd
KopsiroJadedo General Merchants Ltd
KorindaSalynn Enterprises
KoyonzoTyra Ventures
Kumailoextrime connections
KuywaGalen Transchem Ltd
LelaBerricom
LigingoRominer Investment
LolweFranclyde Co
LuandaPep Intermedius 1&2
LubaoNayan Limited
LugariTonycom Ltd
LuguluKendsall Distributors
LuhanoStar Mobile
LukhokhweHase Ltd
LukoyeMuslih Telecommunacations Ltd
LukumeDorpa enterprises
LukusiJokakar Communication Ltd
lung'anyiroRonimer enterprises
LunyuJobliu Telecoms
LunzaCapital airtime
LurambiIriscom
LurhambiBrecone Services
Lutaso Mkt LutasoBiawmahe Investments Ltd
LwakCarolma Communication
lwakhakhajatel communication
LwandetiJokakar Communication Ltd
lwanndanyijadedo investments
Lwanya CenterObbitel Communication Ltd
Mabangasteps mobile conection
MabongoNilla Comm
MadianyDalton Trading Co
MagadaJobliu Telecom
Mageta IslandFlawless Consulting Consortium
MagoCarolina Communication
MahangaJobliu Telecom
MajengoSamax Limited
MakheseFaida Communication
MakhokhoMeridian Acceptance
MakoselwaSajjels Communications Limited
MakungaJadedo Autorinics Merchants
Malabaphone art solutions
Malakisimicro wave ltd
MalangaBamboo communication
MalavaDigitex Communications
MalikiFrankom Intergrated Ltd
MalinyaWapcom Communication
MamboleoMarket Orientation Replica
MandaTonycom Ltd
ManyalaPep Intermedius
ManyattaDarchy Agencies
ManyuliaLeadcom
MaragoliCredit Africa ltd
MasenoFour Winds comm
MatayosEazytalk Communication
Matekalumitech
MatetePep Intermedius
MatihaDorpa enterprises
MatisiMankush Communication
MatuloFaida Communication
MatunguRomak
Mau MauLightening Bolt
Mayanjavital products
MayoniGolden Africa Tech
MbakaloMilligan Heritage
MbalePep intermedius Vihiga 1
Mechimerugalen tranchem ltd
MfupiManju Limited
Miangastar communications
MiloJokakar Communication Ltd
MisikhuMilligan Heritage
Misori BeachLatest communications
MiwaniBerricom Agencies ltd
MucharageHase Ltd
MudeteFaida Communication
MukhonjeFaida comunication Ltd
MukumuTony Comm
MuluandaSouthlinks Ltd
MulukhoniMaelle Holdings
MulwandaFabric Mobile solution
MumiasIriscom
MunamiX-Bionet
MundikaSikulanet Communication Ltd
MungatsiBamboo
Mungorehot spot communication
MunzatsiEmgrakas Investments Ltd
MurandaOgen Enterprises Ltd
MureguJokakar Communication Ltd
MurumbaStar Mobile
MusandaBrital shine
MusasaGuro ltd
MusikomaHot Spot Communication
MusoliNuclear Networks Ltd
MwibonaSajells Comm.Ltd
MwichioLucern Communication
MwitotiRozacom
NaitiriL.M.G.I Kingdom Business Solution
Nalondojatel communication
NambachaHark Investments
NambaleComet cyber
NambobotoStar Mobile
Namwelajadedo investments
NanginaTai Communication
Nasiendalexcon communication
NasusiKendsal Distributers
NavakholoOgen Enterprise
NdigwaBethany Holdings
NdivisiKenya Assemblies of God
NdoriDialcom
NgweloGalen Transchem Ltd
NyadoreraTersia Supermarket
NyawittaCliff Rock
Nzoiahot spot communication
ObamboCliffrock Ltd
OgaloEmadi Solutions Ltd
OjolaPep intermidius
OlaloSajells Comm.Ltd
OpasiTony comm
OsiriBlue berry wireless
OtongloZamusha
Paw akucheFranclyde Co
PipelineBlueseal Communication
Port VictoriaBright Technologies
Rabar centerQ Stream Enterprises
Ragegnilucern Investment
RamulaDalton Trading Ltd
Rata centreLambalo comm
RatadoBerricom Agencies
ReruZamusha
RiatFlowles consotium
RuambwaStar Mobiles
SabatiaUltimate
Sang'alojadedo investment
SawaMuscom communication
SegaEazytalk Communication
SenendeTrembo Services
SeremWapcom Communication
ShaindaBrecone Services
ShamakhokhoTripple Seven Limited
ShaviringoAtlantic Communications
ShiandaPep Intermedius
ShiatsalaStar Mobile
ShibaleBritalshine
ShibuliExtreme Connections
ShibuyeFrance Ventures Limited
ShilakweDorpa enterprises
ShimanyiroSylmac Investment
ShinyaluPema Communication
SichirahiBiawmahe
SichorahiBiawmahe Investments
SigalagalaJoadi Investments
SikhenduFrankom Intergrated Ltd
SikomaMuaki Pharmaceuticals
SimbachaiBamboo Communications
Sio PortStar Mobile
Sirisiajatel communication ltd
SisenyeObbitel Communication Ltd
SoysambuJadedo General
Tanga CornerBamboo Communication
TingoloRonimer enterprises
TswitsitwiFrankom Intergrated
UgunjaBybarwaqo Communication
UkwalaBerricom Agencies
United mallKCB Bank
UrangaLambalo Comm
Uranga CeterCliffrock Ltd
UrengaRonimer Enterprises
VialuUjuzi Communication
VihigaManga Net communication
WebuyePhone Art solutions
West KenyaWalid Communication
YalaMarket orientation Simona
YengaSafaritel Ltd

M-Pesa Agents Around the Coast of Kenya

TownShop
BangazBetter Hope Enterprises Ltd
BuraPlanet Communication
Bura MissionWebb Communication
Bura StationTopical Bookshop
ChakambaGracerics Investments Ltd
ChallaNakuruto Holdings
DembwaWebb Communications
DenyenyeMudacomm Communications
DianiSafaricom Retail Centre Ltd
DzomboK-Rep FSA
EldoroPema Communications
FazaGracerics Investments Ltd
GarsenDaljos Digital Comm
GaziRozacom Ltd
GolbantiDaljos Digital Comm
GongoniTellem communication
HindiGracerics Investments Ltd
HolaOne Two One Communications
IdhoweDaljos Digital Comm
Iriwa-MbaleFlawless Consulting Consortium
KaloleniOtech Communications
KanagoniTeletight Comm
KananaJutec Communications
KasigauBroadnett Ltd
KibaoniGracerics Investments Ltd
KibuyuniJophim Communications
KikoneniK-Rep FSA
KilifiBrit Travel
KinangoMissisipi Communications
KingwedeMatrix Business Consultants
KipiniBlueberry Communication Ltd
KitejeChandy Communications
KombaniRicom Communications
Kona MusaMuslih Communications
KunguWebb Communications
KwaleKCB
LamuBajber Stores Ltd
LikoniPost Bank
LukoreK-Rep FSA
Lunga LungaWebb Communications
Mackinon RdFlawless Consulting Consortium
MadogoTana Teachers Sacco
MagariniPeak Africa Telecommunication Ltd
MaktauCliffrock
MalindiG4S
MambaPema Communications
MangawaniJophim Communications
ManyaniNilli General Supllies
MarafaInuka Africa ltd
MarereniChandy Communications
MariakaniOtech Communications
MascrapeBag Capital Ltd
MataNakuruto Holdings
MatugaChandy Communications
MaunguVilcostec Enterprises
MazerasElcom
MbaleLee Communications Ltd.
MbololoMutonever Agencies Ltd
MbovuJophim Communications
Meli Kubwa-Mackinnon Town, Mombasa RDTuraco Africa Safaris
Mghange DawidaWebb Communications
Mghange NyikaWebb Communications
MkapuniSmart Mobile
MkonganiK-Rep FSA
MokoweMasalani Communication ltd
MombasaQamara Communications Ltd
MpeketoniBajber Stores Ltd
MreshinyiVital Products
MsambweniRozacom Ltd
MsauMilligan Heritage
Mtito AndeiUriah Communications
MtongweAFCO
Mtongwe KDAFCO
MwabungoMatrix Business Consultants
MwachandeJophim Communications
MwaluvangaMatrix Business Consultants
MwanguluRozacom Ltd
MwatateIn-touch Communications
Ng'ambwa-BuraSimba Telecom
NgaoDaljos Digital Comm
NgomeniDaljos Digital Comm
PeraniRozacom Ltd
RabaiBlue Berry wireless Communications
Rong'e JuuChandy Communications
SagallaMeridian Acceptances
SamburuTuraco Afrika Safaris
ShikaadabuMudacomm  Communications
ShimbahillsRozacom Ltd
ShimoniExpress Strategies
Tana riverTana Teachers Sacco
TarasaDaljos Digital Comm
TaruLee Communications
Tassia-MwandaAgritrace Kenya Ltd.
TavetaSuperiorfone
TiribeDanico Communications
TiwiMobby Touch Ltd
UkundaCo-operative Bank
VangaTellem Ltd
VoiTsavo Auto point
Wasini IslandPema Communications
WituLamu teachers Sacco
WundanyiIntouch Communications