How to Download M-Pesa App APK and Enjoy Its Benefits
M-Pesa is a mobile money service that allows you to send and receive money, pay bills, buy goods and services, and more using your phone. It is available in several countries across Africa and Asia, and has over 40 million users worldwide. M-Pesa is fast, convenient, secure, and affordable, making it a great alternative to cash and bank transactions.
If you want to enjoy the benefits of M-Pesa, you need to download the M-Pesa app on your Android device. The app is a new and improved version of the M-Pesa service that offers more features and a better user experience. In this article, we will show you how to download M-Pesa app APK, what are the features of the app, how to use it for various transactions, and how to ensure your security and privacy on the app.
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What are the features of M-Pesa app?
The M-Pesa app has many features that make it easy and convenient for you to manage your finances. Some of the features are:
Core M-PESA transactions: You can access all core M-PESA transactions with a brand new and more simplified user interface. You can send money, buy goods, pay bills, withdraw at agent, and buy airtime with just a few taps.
Offline mode: You can log in and transact on the app without having an active data connection. The app can be used without data bundles or with data turned off completely.
My Spend: You can track your M-PESA spend per month with aggregate and daily average spend displayed on the card on the home screen. You can also view your transactions broken down by category and change your category as you wish.
Statement: You can review, interact, and action your entire M-PESA statement directly on the home screen. You can also filter, download, and export your M-PESA statement in PDF form.
Receipts: You can download and share e-receipts for send money, buy goods, pay bill, and withdraw transactions to share transaction information with other users via PDF.
Biometric authentication: You can log in and transact on the app using face or fingerprint authentication without having to enter your M-PESA PIN manually every time.
Pochi la Biashara: This is a new transaction type on M-PESA that enables users to send money to the business wallet for micro merchants.
Favourites: You can save people or businesses you interact with regularly directly on the app so you dont have to manually enter the details every time you want to make a payment.
Frequents: You can get an automatically generated list of people or businesses you frequently send money to.
M-PESA Global: This is an international money transfer service that enables you to send money to mobile, bank, western union, PayPal, and roaming pick up.
Due Bills: You can get notifications for your bills when they become due and pay fully or partially directly from the app for participating billers.
Buy bundles: You can buy Safaricom data, voice, and SMS bundles and pay directly on the app using airtime or M-PESA.
Send money with gifs/description: You can add context when sending money by adding a payment description or attaching a gif for the recipient.
Send money with profile picture: You can upload a profile picture that will be visible when sending money to someone. This helps to confirm the identity of the recipient and avoid sending money to the wrong person.
How to download M-Pesa app APK on your Android device?
If you want to download M-Pesa app APK on your Android device, you need to follow these steps:
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Go to the official M-Pesa website and click on the "Download Now" button. Alternatively, you can scan the QR code on the website using your phone's camera.
You will be redirected to the Google Play Store where you can download the app. If you don't have access to the Google Play Store, you can download the APK file from or other trusted sources.
Once you have downloaded the APK file, you need to enable the installation of apps from unknown sources on your device. To do this, go to Settings > Security > Unknown Sources and toggle it on.
Locate the APK file on your device and tap on it to install it. You may need to grant some permissions for the app to work properly.
After the installation is complete, you can launch the app and log in with your M-Pesa PIN or biometric authentication.
How to use M-Pesa app for various transactions?
Using M-Pesa app for various transactions is easy and convenient. Here are some of the transactions you can do on the app:
Send money: To send money, tap on the "Send Money" icon on the home screen. You can choose a recipient from your contacts, favourites, frequents, or enter a phone number manually. You can also add a payment description or a gif for the recipient. Enter the amount you want to send and confirm with your M-Pesa PIN or biometric authentication.
Buy goods: To buy goods, tap on the "Buy Goods" icon on the home screen. You can scan a QR code or enter a till number manually. You can also choose a merchant from your favourites or frequents. Enter the amount you want to pay and confirm with your M-Pesa PIN or biometric authentication.
Pay bill: To pay bill, tap on the "Pay Bill" icon on the home screen. You can choose a biller from your contacts, favourites, frequents, or enter a business number manually. You can also choose a biller from the due bills list if they have sent you a notification. Enter the account number and the amount you want to pay and confirm with your M-Pesa PIN or biometric authentication.
Withdraw at agent: To withdraw at agent, tap on the "Withdraw at Agent" icon on the home screen. You can choose an agent from your contacts, favourites, frequents, or enter an agent number manually. Enter the amount you want to withdraw and confirm with your M-Pesa PIN or biometric authentication. You will receive a withdrawal code that you need to show to the agent to get your cash.
Buy airtime: To buy airtime, tap on the "Buy Airtime" icon on the home screen. You can choose a recipient from your contacts, favourites, frequents, or enter a phone number manually. Enter the amount of airtime you want to buy and confirm with your M-Pesa PIN or biometric authentication.
Pochi la Biashara: To use Pochi la Biashara, tap on the "Pochi la Biashara" icon on the home screen. You can choose a business wallet from your contacts, favourites, frequents, or enter a phone number manually. Enter the amount you want to send and confirm with your M-Pesa PIN or biometric authentication. You will receive a confirmation message that you have sent money to the business wallet.
M-PESA Global: To use M-PESA Global, tap on the "M-PESA Global" icon on the home screen. You can choose a destination from the list of available countries and services. You can also choose a recipient from your contacts, favourites, frequents, or enter a phone number, bank account, or PayPal email manually. Enter the amount you want to send and confirm with your M-Pesa PIN or biometric authentication. You will receive a confirmation message that you have sent money internationally.
Buy bundles: To buy bundles, tap on the "Buy Bundles" icon on the home screen. You can choose a recipient from your contacts, favourites, frequents, or enter a phone number manually. You can also choose a bundle type from data, voice, or SMS. You can browse the available bundles and select the one you want to buy. You can pay using airtime or M-Pesa and confirm with your M-Pesa PIN or biometric authentication.
How to ensure your security and privacy on M-Pesa app?
M-Pesa app is designed to be secure and protect your privacy. However, you also need to take some precautions to avoid falling victim to fraud or identity theft. Here are some tips to ensure your security and privacy on M-Pesa app:
Keep your M-Pesa PIN secret: Your M-Pesa PIN is your personal identification number that you use to log in and transact on the app. You should never share your M-Pesa PIN with anyone, not even Safaricom staff or agents. You should also avoid writing down your M-Pesa PIN or storing it on your phone.
Use biometric authentication: Biometric authentication is a feature that allows you to log in and transact on the app using your face or fingerprint instead of entering your M-Pesa PIN manually. This adds an extra layer of security and convenience to your app usage. To enable biometric authentication, go to Settings > Security > Biometric Authentication and toggle it on.
Verify the recipient before sending money: Before sending money to anyone, you should always verify the identity of the recipient by checking their name, phone number, profile picture, and payment description or gif. You should also confirm the amount you are sending and the transaction charges before confirming with your M-Pesa PIN or biometric authentication.
Check your transaction history and statement regularly: You should always check your transaction history and statement regularly to monitor your M-Pesa activity and balance. You can view your transaction history on the home screen by tapping on the "My Spend" card. You can also view your statement by tapping on the "Statement" card. You can filter, download, and export your statement in PDF form.
Report any suspicious activity or fraud: If you notice any suspicious activity or fraud on your M-Pesa account, you should report it immediately to Safaricom customer care by calling 100 or 234. You can also report any phishing attempts or fake messages by forwarding them to 333.
Conclusion
M-Pesa app is a mobile money service that offers you a convenient and secure way to manage your finances using your phone. You can download M-Pesa app APK on your Android device and enjoy its features such as offline mode, my spend, statement, receipts, biometric authentication, pochi la biashara, favourites, frequents, M-PESA global, due bills, buy bundles, send money with gifs/description, and send money with profile picture.
M-Pesa app is easy to use and has many benefits such as fast transactions, low fees, wide network of agents and merchants, international transfers, bill reminders, bundle purchases, and more. You can use M-Pesa app for various transactions such as send money, buy goods, pay bill, withdraw at agent, buy airtime, pochi la biashara, M-PESA global, and buy bundles. You can also ensure your security and privacy on M-Pesa app by keeping your M-Pesa PIN secret, using biometric authentication, verifying the recipient before sending money, checking your transaction history and statement regularly, and reporting any suspicious activity or fraud.
If you have not downloaded M-Pesa app yet, what are you waiting for? Download M-Pesa app APK today and enjoy the convenience and security of mobile money.
FAQs
Here are some of the frequently asked questions about M-Pesa app:
How do I update my M-Pesa app?
To update your M-Pesa app, you need to go to the Google Play Store and check for any available updates. If there is an update, you can download and install it on your device. Alternatively, you can download the latest APK file from or other trusted sources and install it manually.
How do I change my M-Pesa PIN?
To change your M-Pesa PIN, you need to go to Settings > Security > Change PIN on the app. You will be required to enter your current M-Pesa PIN and then enter a new M-Pesa PIN. You will receive a confirmation message that your M-Pesa PIN has been changed successfully.
How do I contact M-Pesa customer care?
To contact M-Pesa customer care, you can call 100 or 234 from your Safaricom line. You can also chat with them on WhatsApp by adding +254 722 000 000 to your contacts. You can also visit their website for more information and support.
How do I delete my M-Pesa app?
To delete your M-Pesa app, you need to go to Settings > Apps > M-Pesa on your device. You can then tap on the "Uninstall" button and confirm your action. You will receive a message that your M-Pesa app has been uninstalled successfully.
How do I share my feedback or suggestions on M-Pesa app?
To share your feedback or suggestions on M-Pesa app, you can go to Settings > Feedback on the app. You can then rate the app and write a review. You can also send an email to with your feedback or suggestions.
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