Airtel Money
Also known as: Airtel Money Kenya, AM, Airtel mobile money
Full definition
Airtel Money is Airtel Kenya's mobile money service, part of the wider Airtel Africa mobile-money footprint that Airtel Africa PLC reports separately in its FY26 accounts. In Kenya it is the second-largest mobile-money network after Safaricom's M-PESA, with a low but growing share of transaction volume tracked by CAK and CBK quarterly.
Access is via *222# (Airtel Money's own USSD menu) or the Airtel Money app. Standard actions are Send Money (to another Airtel Money wallet), Pay Bill (any Kenyan paybill), Buy Goods on Lipa na M-PESA tills, Withdraw at Airtel agents, and access to Airtel Money loans through partners. For sends to another network (M-PESA or T-Kash), Kenya uses *334# as the cross-network shortcut regardless of which network you are on. So Airtel Money customers use *222# for the Airtel menu and *334# when sending across networks.
Airtel Money's headline promise vs M-PESA is a simpler tariff and, historically, cheaper cross-network sends. Airtel Africa's FY26 group results carry Kenya-specific mobile-money numbers; paybillke's Airtel Money hub carries the current figures with source.
Worked example
An Airtel user dials *222#, chooses Send Money, enters another Airtel number, enters KES 1,000, confirms with PIN. To send to an M-PESA number instead, they dial *334# (the cross-network shortcut) and choose Other Networks.
Verified 2026-09-01. Definitions on paybillke are sourced from Safaricom PLC Annual Report FY2026, the Central Bank of Kenya, the Communications Authority of Kenya, the Kenya Revenue Authority, and the primary operator documentation for each product. How we verify. Report a change.