How the Service Works
To withdraw, there is a two-step process that customers will follow i.e.: The process involves generating a secure authorization code on your mobile phone and then using that code at a compatible ATM to withdraw cash.
Step 1: The Phone Process
On your phone, either via STK (Sim Toolkit), USSD (*334#), My Safaricom App or M-PESA Super App.
Step 2: The ATM Process
Using the authorization code at the ATM to complete the withdrawal.
Prerequisites
Before withdrawing cash from M-Pesa at an ATM, ensure you have:
1. Account Requirements
- An active M-Pesa account registered with Safaricom
- Sufficient funds in your M-Pesa account (minimum withdrawal limits apply)
- Your 4-digit M-Pesa PIN
- Access to your registered Safaricom mobile phone
2. ATM Compatibility
- Access to a participating bank ATM that supports M-Pesa withdrawals
- Knowledge of the ATM number (usually displayed on or near the ATM)
3. Technical Requirements
- Working mobile phone with Safaricom connectivity
- Access to M-Pesa services through SIM toolkit, apps, or USSD
Step-by-Step Process of Withdrawing Cash from M-Pesa at an ATM
Step 1: Phone Process - Generate Authorization Code
You can generate the authorization code using any of the following methods:
Method 1: SIM Toolkit (STK)
- Access M-Pesa Menu
- Go to your phone's main menu
- Select M-Pesa from SIM toolkit
- Navigate to ATM Withdrawal
- Select withdraw from ATM
- Enter Details
- Enter ATM number (displayed on the ATM)
- Enter your M-PESA PIN
- Receive Code
- You will receive SMS notification from M-PESA with a 6-digit authorization code
Method 2: USSD (*334#)
- Dial USSD Code
- Dial *334# from your registered Safaricom line
- Select Withdrawal Option
- Choose "Withdraw Cash" from the menu
- Select "Withdraw from ATM"
- Provide Information
- Enter the ATM number
- Enter your M-Pesa PIN
- Get Authorization Code
- Receive 6-digit code via SMS
Method 3: M-Pesa Super App
- Open the App
- Launch the M-PESA Super App
- Navigate to Withdrawal
- Select "Withdraw" from the home screen
- Choose "Withdraw from ATM"
- Complete Details
- Enter ATM number
- Input withdrawal amount
- Authenticate with PIN or biometrics
- Receive Code
- Get authorization code via SMS
Method 4: My Safaricom App
- Launch App
- Open My Safaricom app
- Access M-Pesa Services
- Go to M-Pesa tab
- Select "Withdraw from ATM"
- Enter Information
- Provide ATM number
- Enter your M-Pesa PIN
- Get Code
- Receive 6-digit authorization code
Step 2: ATM Process - Complete Withdrawal
- Locate M-Pesa Option
- Select the M-PESA button on the ATM
- Choose Language
- Select your preferred language
- Enter Authorization Code
- Enter the 6-digit ATM Authorization code on the ATM Keyboard
- Provide Phone Number
- Enter your Safaricom mobile number
- Specify Amount
- Enter the amount you wish to withdraw
- Press continue to proceed with transaction
- Complete Transaction
- The ATM will dispense your cash and issue you with a receipt
- You will also receive an SMS from M-PESA confirming the transaction
Important Time Constraints
Authorization Code Expiry
Note: The code expires after 10 minutes, and you will be expected to initiate the transaction afresh if you wish to withdraw money again.
Critical Points:
- You have only 10 minutes to use the authorization code
- If the code expires, you must generate a new one
- Complete the ATM transaction quickly after receiving the code
- Plan to be at the ATM before generating the code
Transaction Limits and Restrictions
ATM Withdrawal Limits
- Minimum Withdrawal: The minimum you can withdraw from Mpesa ATM is Kshs 200
- Maximum Daily Limit: Ksh 40,000 per day
- Transaction Range: Withdrawals vary from Kes 200-Kes 40,000 depending on the ATM
- Multiple Withdrawals: You are allowed to make multiple cash withdrawals from the ATM
Account Balance Requirements
- Ensure sufficient M-Pesa balance plus transaction fees
- Account must be active and in good standing
- Daily transaction limits apply across all M-Pesa services
