The M-PESA app is now called My OneApp (rebranded 2026), a single Safaricom app that combines M-PESA, airtime, data bundles, and account services. It requires Android 7+ or iOS 13+, supports biometric login, and updates for free (no data charges).
What My OneApp is
My OneApp is Safaricom's unified super-app for Kenyan customers. It brings together products that used to live in separate apps or menus:
- M-PESA (send, pay, withdraw, save, borrow)
- Airtime and data bundles (was
*544#or mySafaricom) - Home Fibre subscription management
- Bonga Points balance and redemption
- Postpaid billing and account services
- Safaricom offers, promotions, Tunukiwa
Requirements and download
- Android 7.0 or higher (Nougat), or
- iOS 13 or higher
- Free download from Google Play (Android) or Apple App Store (iOS)
- App updates are data-free on Safaricom networks
- Biometric login supported (fingerprint or face unlock)
Search “My OneApp” on the store, publisher must be Safaricom PLC. Avoid third-party lookalikes.
Migrating from the old M-PESA app
Migration is automatic. When your existing M-PESA app updates, it rebrands to My OneApp without asking you to re-register. Your saved beneficiaries, preferred PIN behaviour, biometric setup, and Fuliza / M-Shwari links all transfer.
What is the same:
- Same phone number, same M-PESA account, same balance, same PIN
- Same M-PESA menu (Send, Pay, Withdraw, Loans and Savings, Global)
- Same transaction limits and fees
What is different:
- Larger scope, no need for the separate mySafaricom app for airtime / bundles
- Cleaner home dashboard, balance + spend + offers on one screen
- Faster QR scan for Buy Goods and Pay Bill
- Deeper offers integration (personalised Tunukiwa deals)
First-time setup
- Install from Google Play or Apple App Store.
- Open, allow camera (QR scan) and notifications (transaction alerts).
- Sign in with your Safaricom number. OTP arrives by SMS.
- Set up biometric login (recommended for security).
- Confirm M-PESA PIN. This is separate from biometric, used for transactions.
- Complete profile (name, ID) to unlock higher-KYC features like M-Shwari.
Setup time: about 5 to 10 minutes.
Core features in 2026
M-PESA
- Send Money to a phone number or saved beneficiary
- Pay Bill and Buy Goods (with QR scan)
- Withdraw at agent or ATM (6-digit code, 10-min expiry)
- Fuliza, M-Shwari, KCB M-PESA, Ziidi
- M-PESA Global (send and receive cross-border)
- Transaction history and statement download
Airtime and bundles
- Buy airtime for self or others (no more
*544#) - Data, voice, and SMS bundles
- Subscribe to Tunukiwa and Storo Bonus
Postpaid and account
- Postpaid bill (pay directly via M-PESA to 200200)
- Manage usage limits
- PUK request, PIN change
Home Fibre
- Subscription status and payment
- Wi-Fi and parental controls (limited)
- Fault reporting
Bonga Points
- View balance and expiry
- Redeem for airtime, bundles, or M-PESA cash
Security model
- Biometric login for app access (fingerprint or face)
- M-PESA PIN for each transaction (separate from biometric)
- Session timeout after inactivity
- 2FA for high-value transactions
- Device binding: account tied to your specific handset. Logging in on a new device requires re-verification.
For SIM-swap protection (which still affects USSD-only users), biometric + device-binding make account takeover meaningfully harder.
My OneApp vs USSD
| My OneApp | USSD *334# | |
|---|---|---|
| Speed | 10 to 20 seconds | 30 to 60 seconds |
| Data required | Yes | No |
| Features | Everything, including QR scan and saved paybills | M-PESA core menu |
| Security | Biometric + PIN + device bind | PIN only |
| Feature-phone support | No | Yes |
| Best for | Frequent users, higher security | Backup, poor data, feature phones |
Both work in parallel. Use the app for daily transactions and USSD as a backup.
Common issues
- Slow on older Android. Below Android 7 the app will not install. Between Android 7 and 8 it works but sluggishly. Fall back to USSD.
- Balance shows old value. Cache lag, pull-to-refresh on the home screen or dial
*144#for the authoritative balance. - Biometric no longer works after update. Major updates sometimes reset biometric setup. Re-enrol via Settings → Security → Biometric.
- Transaction stuck at “processing”. Wait 60 seconds. Check balance. If deducted but no confirmation, contact 100/200 with the SMS reference.
Using My OneApp from abroad
Works internationally over data or wifi. M-PESA transactions still require your registered Safaricom SIM to be active (roaming or a plan). Do not sideload the app on someone else's SIM, device-binding will flag as fraud.
FAQ
Why was M-PESA app renamed?
Safaricom consolidated its consumer apps under one brand. My OneApp reflects the broader scope, not just M-PESA but the whole Safaricom relationship.
Do I lose anything by updating?
No. Balance, beneficiaries, and preferences carry across.
Is My OneApp free?
Yes to download, update, and use. Transactions still charge the standard M-PESA fees.
Can I still use USSD if I have the app?
Yes. Both work simultaneously. Use whichever suits the moment.
Related guides
- How to pay a paybill
- Every M-PESA USSD code
- Download your M-PESA statement
- Old M-PESA app to My OneApp migration
Source: Safaricom My OneApp product page and 2026 rebrand announcement, verified 30 August 2026 by paybillke.
Related reading
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