88 guides
M-PESA and mobile money guides
Charges, limits, reversals, statements and codes for M-PESA, Airtel Money, T-Kash and Equitel.
- Absa paybill 303030 not working? M-PESA to Absa fixes (2026)Account format errors, the suspense-account gotcha, the Timiza confusion, scam paybills, and how to escalate when your Absa balance has not gone up.
- Airtel Money Account Blocked or Suspended: How to Restore It 2026Blocked or suspended Airtel Money? Call 100 or 0733 100 000, or visit an Airtel shop with your original ID. Reset your PIN if needed. Free to restore.
- Airtel Money Bonus Wallet & Cashback 202650% cashback on fees, 25% airtime bonus, how the bonus wallet works, and expiry rules.
- Airtel Money Charges 2026: Airtel-to-Airtel FREE, Withdraw KES 11-309Verified Airtel Money tariff bands for August 2026, with the full send and withdrawal table.
- Airtel Money Limits Kenya 2026: Daily, Balance, Per TransactionAirtel Money 2026 limits: KES 500,000 per day, KES 500,000 max balance, KES 250,000 per transaction. What they mean and how to work within them.
- Airtel Money Not Working Today? How to Fix It 2026Airtel Money not going through? Retry after a few minutes, check signal, re-dial *334#, confirm balance. Still failing? Call Airtel on 100 or 0733 100 000.
- Airtel Money PIN 2026: Set, Change, or Reset a Forgotten PINSet your PIN on *334#, change it under My Account, or reset a forgotten PIN with your security question. Locked? Call 100 or 0733 100 000.
- Airtel Money Terms Explained: A Plain Kenyan Glossary 2026Every Airtel Money term in plain Kenyan English: *334#, paybill, till, interoperability, agent, float, PIN, cash out, cross-network and more.
- Airtel Money USSD Codes 2026The complete *334# menu tree, plus *100# for agents. Every path documented.
- Airtel Money vs M-PESA vs T-Kash 2026: honest three-way comparisonSide-by-side on fees, coverage, agents, overdraft, USSD, apps, interop. Honest tradeoffs. Which one fits which user.
- Airtel Money withdrawal charges 2026Agent tariff bands, ATM notes (verify current partner banks), ID rules, and Rudishiwa fee-refund status.
- Airtel to M-PESA Transfer 2026Cross-network send flow via *334# → Other Networks, with both directions and fees.
- Equitel Charges 2026: Send Money, Withdrawal and Bill FeesWhat Equitel costs in 2026: send-money bands, withdrawal fees, PesaLink and RTGS. Includes the honest note that Equitel's own published tariffs disagree.
- Equitel vs M-PESA vs Airtel Money: An Honest 2026 ComparisonHow they work, fees, limits, loans and free tiers. Which one suits you and why most Kenyans keep more than one.
- Equity 247247 paybill explained: it's an aggregator, not just 'Equity's paybill'The single most-confused paybill in Kenya. Here's how 247247 actually works.
- Every M-PESA and Safaricom USSD Code in 2026: The Complete TreeOne reference page for every dial code. *334# for M-PESA, *234# for Safaricom info, *234*1# for business till, plus quick shortcuts for balance and airtime.
- Gharama za M-PESA 2026: kutuma na kutoa pesaAda za kutuma pesa na kutoa pesa kwa wakala, kiwango kwa kiwango, kutoka jedwali la Safaricom.
- How M-Pesa paybills actually workThe technical and regulatory anatomy of a Kenyan paybill: settlement flow, why fees vary by transaction size, the difference between Paybill and Buy Goods, and how account formats are decided.
- How to Check Your Airtel Money Balance in Kenya 2026Dial *334#, choose My Account then Balance, enter your PIN. Balance shows on screen and by SMS. Free. Full step-by-step for USSD and the My Airtel app.
- How to check your Bonga Points balance (USSD *126#), 2026Dial *126#, choose Bonga, then Balance. That is the whole thing. Here is that flow plus the app route and what you can actually do with the points.
- How to check your M-PESA balance (2026): app, *334#, and SMSThree ways to see your M-PESA balance: instantly and free in the app, on the *334# menu, or simply reading the running balance printed at the bottom of your last transaction SMS.
- How to Check Your Own Airtel Number in Kenya 2026Forgot your Airtel number? Dial the self-service code, send a quick SMS or check your Airtel Money profile on *334#. Free. 3 quick ways inside.
- How to deposit money into M-PESA without an agent (2026)Five practical alternatives, bank-to-M-PESA pull, ATM deposit, M-PESA Global, Pochi sweep, and remittance services.
- How to Download Your M-PESA Statement (2026)Every method, USSD, My OneApp, SMS, email, and Safaricom Shop, with period limits, cost, and speed compared.
- How to earn money with M-PESA in 2026: 12 legitimate waysTwelve real, legal ways Kenyans earn through M-PESA, agent businesses, online freelancing, savings, content. And the scams to avoid.
- How to Pay a Buy Goods Till on M-PESA (2026)Every route documented, USSD, STK push, My OneApp, SIM Toolkit. Free for the customer. Merchant pays 0.55 percent. Fuel stations excepted.
- How to Pay a Paybill on M-PESA (2026)Every route documented, USSD, STK push, My OneApp, and SIM Toolkit. Step by step, with the exact fees and the mistakes that cost people money.
- How to Pay a Paybill or Buy Goods With Equitel (2026)Pay any paybill or till from your Equity account with Equitel. Dial *247#, exact steps for Pay Bill and Buy Goods, plus paybill 247247 for M-PESA to Equity.
- How to Register a Teen for M-PESA Go in 2026: App, Web Portal or ShopThree registration paths, documents required, the 30-day birth certificate rule, and how to link an existing Safaricom line to your parent profile.
- How to register Airtel Money in Kenya 2026Airtel line requirement, ID, agent flow, PIN setup, and the common failures that stop registration.
- How to Register for Equitel and Link It to Your Equity Account (2026)What you need, where to register, how to activate the eSIM, and how to link an Equitel line to Equity mobile banking. Step by step.
- How to Register for M-PESA in Kenya 2026: Free at Any Agent, ID RequiredFull registration walkthrough for Kenyans, foreign passport holders, and refugees. Agent vs shop rules, timing, and the first login.
- How to register T-Kash in Kenya 2026Two steps: agent visit with ID, then self-activation via *334#. ID number + DoB + 4-digit PIN. Free at activation, common failures listed.
- How to Reverse an Airtel Money Transaction (2026)Dial *334# to reverse Airtel Money. Timelines, cross-network rules, and how to escalate to the fraud team.
- How to Reverse an M-PESA Paybill or Buy Goods PaymentSafaricom's 456 self-reversal does not cover tills and paybills. Raise it with customer care on 100 or 200, and the business decides. Timelines, KRA and SHA quirks, and the escalation path.
- How to Reverse an M-PESA Transaction: Forward SMS to 456Forward the original M-PESA confirmation SMS to 456 within 24 hours. That covers person-to-person sends. Below: what happens if the recipient refuses, whether fees are refunded, and what to do about a wrong till or paybill.
- How to Send Airtel Money to T-Kash 2026Send from Airtel Money to a Telkom T-Kash number via interoperability. Dial *334#, Send Money, Send to Any Network, enter number, amount, PIN.
- How to Send M-PESA and Withdraw at Agent or ATM (2026): Complete GuideSend to a phone, withdraw at an agent, withdraw at an ATM. All three routes, plus the 4-digit voucher for sending to unregistered numbers.
- How to send M-PESA to a Stanbic Bank account (paybill 600100), 2026Moving money from M-PESA into a Stanbic Bank account is a Pay Bill, not a Send Money. The paybill is 600100 and the account is the Stanbic Bank account number you are funding.
- How to send M-PESA to a Standard Chartered account (paybill 329329), 2026Moving money from M-PESA into a Standard Chartered account is a Pay Bill, not a Send Money. The paybill is 329329 and the account is the Standard Chartered account number you are funding.
- How to send M-PESA to an Absa Bank account (paybill 303030), 2026Moving money from M-PESA into an Absa Bank account is a Pay Bill, not a Send Money. The paybill is 303030 and the account is the Absa account number you are funding.
- How to send money from M-PESA to Airtel Money (2026)Cross-network send from M-PESA to Airtel Money, fees, settlement time, and how it actually works.
- How to send money from M-PESA to Co-op Bank (2026)Send M-PESA to a Co-operative Bank account via paybill 400200, MCo-opCash app, or Co-op USSD, fees, timing, and the gotchas.
- How to send money from M-PESA to Equity Bank (2026)Send M-PESA to an Equity account via paybill 247247 (Eazzy Pay), Equity app pull, or Equitel, step-by-step, fees, timing.
- How to split a bill on M-PESA in Kenya (2026)There is no consumer Split Bill button on M-PESA yet. The practical ways to share a bill today, what each costs, and the business Split Payments feature.
- How to Withdraw Airtel Money at an Agent 2026Dial *334#, choose Withdraw, enter the agent number and amount. Show original ID. Fees: KES 11 for KES 50 to 100, up to KES 309 above KES 50,000.
- Kenya Mobile Money 2026: The Numbers, SourcedA paybillke data report compiled from primary FY26 filings. Every figure carries its inline source citation to Safaricom PLC or Airtel Africa plc.
- Lipa na Airtel Money paybill charges 2026Paying a business paybill via Airtel Money: flow, tariff bands, cross-network reality, failure handling.
- M-PESA Archived Funds: How to Retrieve Them (2026)Everything you need if Safaricom has archived your M-PESA balance: what triggers it, how to retrieve the money, what to bring to the shop, and realistic timelines.
- M-PESA Dormant Account Refund: How to Reactivate and Reclaim Your Balance (2026)Everything you need to reactivate a dormant M-PESA account and get your balance back, including the *234# path, the 6-month rule, and what happens if you wait too long.
- M-PESA error codes 2026: MR101, MR105 and every "failed transaction" explainedEvery common M-PESA error decoded with cause and fix. MR101 to MR110, generic transaction failures, PIN lockouts, daily limit and balance ceilings, registration issues. Verified June 2026.
- M-PESA Foundation scholarships 2026: who qualifiesThe M-PESA Foundation Academy and the Citizens of the Future programme: eligibility, documents, how to apply, and whether either is open now.
- M-PESA Go in Kenya 2026: The Parent-Controlled Wallet for 8-to-17-Year-OldsEverything a parent needs to decide on M-PESA Go: what it is, what teens can and cannot do, registration paths, parent controls, limits, fees and the transition to a full account at 18.
- M-PESA Go Limits and Charges in Kenya 2026: Every NumberThe outer ceiling, the inner parent-set ceiling, per-transaction cap, wallet balance limit, and the fee for every teen-accessible service.
- M-PESA Go Not Working 2026: Every Common Error and the FixA rescue list for the errors families hit most on M-PESA Go: locked PINs, unlinked accounts, expired document window, blocked paybills, and hit daily limits.
- M-PESA Go Parent Controls in Kenya 2026: The *334# Menu, Section by SectionHow to enable and disable services, set daily transaction limits, view balances, and add or remove a teen from your parent M-PESA Go profile.
- M-PESA Go vs M-PESA in Kenya 2026: The Real Differences, Side by SideEvery line where M-PESA Go and adult M-PESA diverge: and the many where they don’t. Fees, limits, allowed services, ownership, and what changes at 18.
- M-PESA is down: what to do during an outage (2026 guide)How to confirm M-PESA is actually down, alternative payment routes during the outage, and what to do about transactions stuck mid-flow.
- M-PESA Kadogo 2026: which transactions are freeWhat Kadogo makes free, what it leaves charged, and why more than a third of all M-PESA transactions now cost nothing.
- M-PESA Limits 2026: 250K per Transaction, 500K per Day, 500K BalanceThe 2026 M-PESA transaction, daily, wallet, and minimum-withdrawal caps, plus why they exist and what to do when you hit them.
- M-PESA now hides the sender's number: what changedWhy your M-PESA messages show two names and a masked number, what businesses see, and how to check who sent you money.
- M-PESA Send Money Fees 2026: KES 13 for KES 1K, up to KES 108Every 2026 send-money band, verified against the Safaricom tariff sheet. Includes cross-network sends and the Pochi la Biashara promo.
- M-PESA shortcodes 2026: *334#, *234#, *544#, *144# explainedComplete reference for every M-PESA and Safaricom shortcode, what each one does and when to use it.
- M-PESA Withdrawal Charges 2026: KES 29 for KES 1K, up to KES 309Every 2026 agent and ATM withdrawal band, verified against the Safaricom tariff sheet. Plus the KES 50 minimum agent withdrawal rule.
- Mobile Number Portability Kenya 2026: keep your number when switching networksWhich operators are supported, the exact steps to port, what happens to airtime, bundles and mobile money balances, common failure modes and when NOT to port.
- My OneApp (2026): The Rebranded Safaricom + M-PESA App, ExplainedEverything the app does, requirements, migration from the old M-PESA app, biometric login, and how it compares with USSD.
- Pay a Buy Goods Till from Airtel MoneyCross-network Buy Goods flow, fees, and how the merchant name check protects you.
- Pay an M-PESA Paybill from Airtel MoneyCross-network paybill flow, fees, worked examples, and what to do if it does not reflect.
- Paybill interoperability in Kenya: M-Pesa ↔ Airtel Money ↔ T-Kash explainedHow CBK-mandated cross-network paybill payments actually work in 2026, why coverage is uneven, and the practical implications.
- Paybill vs Buy Goods Charges 2026: Free Till, Paybill up to KES 108Side-by-side comparison of the 2026 M-PESA paybill and Buy Goods tariffs, on both the customer and merchant side. Fuel station exception included.
- Pochi la Biashara: how to register and what it costsPochi la Biashara is Safaricom's free tool that lets a small business receive M-PESA payments straight to a phone number. Register on *334#, keep business money separate, pay a fee only above KES 200.
- Pochi vs Buy Goods vs Paybill (2026): Which One Should Your Business UseA decision guide for Kenyan sole traders and small shops. Who pays, how much, what you need to register, and which fits your business.
- Safaricom paybill 200200 not working? Postpaid bill fixes (2026)Phone number format, paying for someone else, bundle activation delays, the prepaid versus postpaid confusion, scam paybills, and how to escalate to Safaricom care.
- Send M-PESA to KCB Bank: Paybill 522522 (Steps, 2026)Three ways to send M-PESA to a KCB Bank account in 2026, paybill 522522, KCB M-PESA mobile, and the KCB app. Fees, timing, and mistakes to avoid.
- Shiriki Pay: how to let family pay from your M-PESASafaricom's Shiriki Pay, from its own FAQ: the limits, the setup, and what beneficiaries can and cannot do.
- Sifuna's Linda Mwananchi paybill 3033049 (verified 2026)Nairobi Senator Edwin Sifuna's Linda Mwananchi movement paybill is 3033049, registered as E Sifuna. Account = your Safaricom phone number. Verified against official sources. KES 6.5M+ raised.
- State of Kenyan Paybill and M-PESA Costs, Q3 2026paybillke's Q3 2026 dataset on the Kenyan paybill and mobile money ecosystem. Verification workflow, Finance Act 2025 excise impact, eCitizen 222222 consolidation, notable Q3 changes.
- T-Kash charges 2026Free vs paid list at activation, send + withdraw + paybill tariff notes, and an honest cost comparison against M-PESA.
- T-Kash Paybill & Bank Charges 2026T-Kash paybill and bank charges 2026. Paybill: KES 21 (101-500), up to KES 196 (top). Bank-to-T-Kash: KES 15-22. T-Kash-to-bank: KES 6-103. Verified Aug 2026.
- T-Kash Send Money Charges 2026: On-Net & CrossT-Kash send money 2026: KES 0 (up to 100), KES 6 (101-500), up to KES 103 (top band). Same rate to T-Kash, Airtel Money or M-PESA. Verified 30 Aug 2026.
- T-Kash Withdrawal Charges 2026: Full BandsT-Kash agent withdrawal charges 2026. KES 11 (50-100) up to KES 303 (50,001-150,000). Full band table, USSD *334#, source. Verified 30 Aug 2026.
- The complete history of M-Pesa (2007 to 2026)How a 2007 Vodafone-Safaricom experiment changed African finance forever. From microfinance pilot to KES 39 trillion in annual transactions, with the milestones, missteps, and what happens next.
- The State of Kenyan Paybill Payments: paybillke Q2 2026 Report291 Kenyan M-PESA paybills verified, sector by sector. Five systemic data-quality clusters. One defunct insurer. 32 entities consolidated under eCitizen 222222. What the Kenyan payments rail looks like in 2026.
- What Happens on Your Child’s 18th Birthday on M-PESA GoA precise walkthrough of the M-PESA Go conversion process: documents, shop visit, what unlocks, and how to prepare the teen for adult financial life.
- What happens when an M-PESA reversal fails, and what to do next (2026)A reversal request is not a guaranteed refund. It can fail, usually because the money is already gone or the recipient will not release it. Here is what each failure means and how far you can push it.
- What Is Equitel? Equity Bank's Mobile Line Explained (2026)Equitel is Equity Bank's mobile line: a SIM that turns your phone into an Equity account. Send money, pay bills, borrow up to KES 3M. Runs on the Airtel network as an MVNO.
- What is my M-PESA number? Find your phone, account, and statementYour M-PESA number is your Safaricom phone number. How to confirm it, locate it, and what to share when asked.
- What Teens Can (and Can’t) Do on M-PESA Go in Kenya 2026A clear allowed / blocked list with reasons, plus the three channels teens can use to transact: M-PESA app (Go build), STK menu, and *334# USSD.