How To Use Your M-pesa Account Effectively

Do you need an m-pesa account or not?

M-PESA has been designed so that people without bank accounts can use
it. Your money is held safely in a bank account run by M-PESA on your
behalf. You do not have any contact with the bank and the bank does
not have your details.

The question to whether you need an account or not might not be much
of our focus.
what we need to undestand is how to use the Account effectively.
managing and taking advantage of everything available.

Here are the basics to exploit:

Manage Your M-PESA Account

You can check your current M-PESA balance status at a fee of Ksh1
only. Note that your balance is also shown at the end of every SMS
each time you do an M-PESA transaction.
To check your balance:

Select "Show balance"
Enter your secret PIN
Wait for SMS confirmation message with your balance

Call Support: You can call M-PESA Customer Service Representatives
through this menu:

Select "Call Support"
A message displays "Allow SIM card to call?"
Press "call"
The same service can be accessed by directly dialling 234 from
your Safaricom mobile.

Change PIN: For security reasons, customers can change their PIN at
any time at a fee of Ksh22.

From the M-PESA menu select "My Account".
Select "Change PIN".
Enter old PIN press OK.
Enter new PIN and confirm it.
Wait for the confirmation.

Secret Word: This allows the customer to change the secret word as
long as they remember their secret PIN.

From the M-PESA menu select "My Account".
Select "Secret Word".
Enter PIN press ok.
Wait for the confirmation.

Language: You can choose which language to use for your M-PESA:

From the M-PESA menu select "My account".
Select "Language".
Choose from English or Kiswahili.
Enter your secret PIN
Wait for display of "M-PESA" then Press OK to view language update

Update Menu

Safaricom will from time to time release new functions on the M-PESA
menu. 'Update Menu' is used to launch these new M-PESA functionalities
on your phone. You will need to enter your secret PIN to confirm the
request.

Bless!

BEST TRICK: HOW TO SPEND LESS ON MPESA

What is M-PESA?

M-PESA is an innovative mobile money transfer solution that enables you to do transactions safely and conveniently using your handset and Safaricom line.

M-PESA History

Since its inception 7 years ago, M-PESA has continued to lead the world in mobile money technology. It has revolutionized the way Kenya does business; it has been a source of great transformation in the lives of Kenyans. As the world spins further into

The 21st Century, the future of M-PESA is promising, revealing more opportunities to bring positive change and progress to Kenya and the world.

Source: Safaricom Kenya

“Did u know you can spend less on MPESA?
Come with me slowly; learn how to grant yourself a ‘DISCOUNT’….. 
1. To withdraw 200 costs Ksh 27
Alternatively: Withdraw 100 @10, Then another 100 @10 
Total= 20. SAVE 7 bob.

2. To withdraw 5,000 costs you Ksh 66
Alternatively: Withdraw 2500 @27, then another 2500 @27
Total= 54. SAVE 12 Bob

3. To withdraw 12000 costs you Ksh 159
Alternatively: Withdraw 10,000 @110, then the remaining 2000 @27
Total= 137. SAVE 22bob.
4. To withdraw 40,000 costs you Ksh 275
Alternatively: Withdraw 35,000 @187, then the remaining 5,000 @66 
Total= 253.....SAVE 22bob.

5. To withdraw 10,100 costs you Ksh 159
Alternatively: Withdraw 10,000 @110 then the remaining 100 @10 
Total= 120. SAVE 39bob….
6. Sending to someone Else
Also, if you want to someone else, for example, 200  is 33bob but if u send 100 @5 and another 100@5 you will save 23 bob
See?”
7. Paying for goods and services on pay-bill number.
For every 100 bob send, 10 bob will be automatically deducted, ad for every 90 bob you send, and you will be deducted 5 bob. You know realize the difference. Sending in bits is much profitable than whole amount.
Do the math calculations.
Note: The withdrawals must be from a different a agent, otherwise the agent will be doing zero work, safari com prohibits consecutive withdrawals or deposits from a single agent, so if u want to withdraw like con pro be ready to spend more time moving from till to till, the Mpesa rules are so though.
Happy Times - Chitoh