M-PESA is a new Safaricom service allowing
you to transfer money using a mobile phone.
Kenya is the first country in the world to use this service, which is offered in partnership between Safaricom and Vodafone.

M-PESA is available to all members of the public, even if you do not have a bank account or a bankcard. 

HOW TO REGISTER FOR M-PESA
Go to an M-PESA Agent and:
1. Upgrade your SIM for free
2. Register for M-PESA at an M-PESA Agent
3. Activate the M-PESA menu on your phone

You will need your Safaricom SIM and National ID/Passport. You do not need to have a bank account.

HOW TO SEND PESA
Go to an M-PESA Agent and:
1. Buy M-PESA value by depositing cash
2. You and your Agent will receive SMS confirming the transfer
3. On your M-PESA phone menu, select “Send Money”
4. Enter recipient’s phone number, the amount and your PIN
5. You and the recepient will receive SMS confirming the transfer

HOW TO GET CASH
If you are a registered M-PESA Customer
Go to an M-PESA Agent and:
1. Give your phone number and show your ID / passport
2. Go to your M-PESA menu, select Withdraw money
3. Enter the Agent number, the amount and your PIN
4. You and your Agent will receive an SMS confirming the transfer
5. The Agent will then give you the cash

If you are not a registered M-PESA customer
Go to an M-PESA Agent and:
1.Give your phone number and show your ID/Passport
2.Give the code in your SMS from M-PESA.
3.The Agent will do the transaction on your behalf using his phone.
4.You and your agent will receive an SMS confirming the transfer.
5.The agent will give you the cash.

DEPOSIT CASH INTO YOUR M-PESA ACCOUNT AT ANY AUTHORISED AGENT.YOU WILL NEED TO SHOW YOUR IDENTIFICATION.
Introduction to M-PESA
M-PESA provides an affordable, fast, convenient and safe way to transfer money by SMS anywhere in Kenya.
Through M-PESA you can:
   • Deposit money
   • Withdraw money
   • Transfer money (send) to another M-PESA customer
   • Transfer money (send) to someone who is not an M-PESA
     customer; in fact they need not even be a Safaricom customer
   • Buy Safaricom prepaid airtime
   • Manage your M-PESA account (i.e. show balance, call support, change PIN and
      change language).

M-PESA Agents
An M-PESA agent provides services to M-PESA customers including the buying and selling of M-PESA electronic money (e-Money), and the recruitment of new M-PESA customers.

Agent are:
   • Safaricom dealers, operating one or more outlets around Kenya or
   • Other retailers with a substantial distribution network like petrol stations/distributors.

The agent’s key tasks are to help you:
   • Register as an M-PESA customer
   • Deposit cash into your M-PESA account
   • Process cash withdrawals for you, a registered M-PESA customer
   • Process cash withdrawals for your relative or friend, who is not a registered
     M-PESA customer.
M-PESA registration is easy and can be done at any M-PESA outlet for free. All that is required is:-
  • A Safaricom SIM card
  • A mobile telephone
  • An Identification document (National ID or passport).