m-pesa FAQs

Get to know m-pesa

1.What is it?

ICICI Bank and MCSL, a Vodafone group company, jointly present "m-pesa" a mobile money transfer service. This is an exclusive service for Vodafone subscribers. On applying for m-pesa, customers get a mobile wallet issued by MCSL called "MCSL Wallet" and also a Mobile Money Account with ICICI Bank. The Wallet and the Mobile Money account are inter-operable and allow movement of money between both accounts seamlessly.


2. Who is a Registered User?

A registered m-pesa customer is a person who has a Vodafone SIM on which they are registered at agents store and signs the terms and conditions document for the m-pesa Services & can do transactions via IVR/ USSD. They need a PIN to access their m-pesa account. Money is received in m-pesa account customer can withdraw it any time and in any amount. m-pesa customer can do all transactions like sending money, withdraw, buy airtime, change PIN etc.


3. Who is an Unregistered User? ?

Unregistered m-pesa customer is a person who is not registered for the m-pesa services & cannot do transactions via IVR/ USSD. They may be subscribers of Vodafone or any another mobile operator. They can withdraw money only if voucher code received via SMS along with identity proof is available.


4. What can I do with it?

You can send money to family & friends, recharge Vodafone Prepaid connection, pay Vodafone post-paid bills, pay utility bills, and pay for your shopping and much more with m-pesa.


5 Who can use it?

It can be used by both Vodafone Prepaid and Post-paid mobile subscribers.


6. Do I need a GPRS enabled handset or a smart phone?

No. m-pesa works on any mobile model / handset. You do not need GPRS or a data plan. You just have to dial *400# and you will be able to use the menu.


7. Can anybody apply for m-pesa? Can I have multiple accounts?

Any Indian resident who is 18 years and above can apply for m-pesa provided they are an active Vodafone subscriber. One person can have only one m-pesa Account in his or her name.


8. What can I give as KYC documents for m-pesa Account registration?

We need a documentary proof of your Identity, Address, a coloured passport size photograph and Signature.Please bring the originals of Proof of Identity and Proof of Address to the agent store for verification. This can be obtained from one document (Passport or Driving License) or through a combination of documents listed below Pan Card / Voter's ID / Valid ID cards from government departments / Marriage Certificate / Utility bills (Electricity/Telephone) / Gas connection book / Municipal corporation Bill / Letter from Housing Society (Only for the owners) / Registered leave & License agreement (for tenants) / Credit card bill / Bank account statement (not older than three months) / Bank Pass Book / Wealth or Income or Sales or Service Tax Assessment order / Life insurance premium receipt / Registered Sale deed(for owners) and others.


9. Where all can I use m-pesa?

Presently, you can use m-pesa at all our Vodafone stores and authorised m-pesa agents across West Bengal, Bihar&Jharkhand, Kolkatta , Rajasthan, Delhi, Mumbai, Maharashtra&Goa, Assam, Uttar Pradesh, North East. Odisha, Madhya Pradesh, Punjab and Haryana.


10. Can I get chequebook, or account statement for my m-pesa Account?

No. You will not get any cheque book for m-pesa Account. You can check your account balance directly through your mobile phone by dialling *400# You can call our customer care and request for account statement which is available at fee of Rs. 50.


11. Can I visit ICICI Bank branch or ATM for accessing m-pesa Account?

No. You can access your account balance directly through your mobile phone by dialling *400#.


12. I already have an ICICI Bank account. Can I apply for m-pesa Account?

Yes, You can apply for m-pesa Account, provided that you are a Vodafone customer. As m-pesa is a separate account from your ICICI Bank Account, you need to submit fresh set of documents for KYC and register for m-pesa Account.


13. What is the maximum amount that I can hold as balance? ?

Maximum balance at any time for a m-pesa Account is Rs. 50,000.


14. What is maximum amount of cash that I can deposit in my account?

The maximum amount that you can deposit per day is Rs.5,000.


15. What is the maximum amount that I can spend?

You can spend a maximum of Rs.5,000 per day from your m-pesa Account.


16. What is the maximum amount that I can send?

You can send a maximum of Rs.5,000 to another m-pesa customer. However, the sum total of money spent & sent in a particular day cannot exceed Rs.5,000.


17. What is the minimum amount that I can send?

The minimum amount you can send at a time is Re1.


18. Is there a minimum balance requirement?

No, there is no such thing.


Deposit Money

1. How do I deposit cash in my account?

You can deposit cash at any authorised m-pesa agent location. No one other than an authorised m-pesa agent can deposit money into your account. To know the m-pesa agent nearest to you, you may send an SMS - "m-pesa <city>"to 111.


2. The agent took my cash but I didn't receive any SMS confirming the deposit?

There might be a network delay which may have affected the response time of the SMS. Please check your account balance after some time. If your account balance does not get updated & and you do not receive any SMS as well, call the customer support from the store itself. Do not leave the store until you get the confirmation through any of the two options mentioned above.


Send Money

1. Who can send money?

All Customers who have a m-pesa Mobile Money Account can send money. If you are having only the semi-closed wallet account, please visit the nearest m-pesa store and submit your documents to activate the Bank account.


2. Who can I send money to?

You can send money to:
•Other registered m-pesa customer as well as non-registered customer.
•Any bank account using NEFT.
Currently available only in West Bengal, Bihar&Jharkhand, Kolkatta , Rajasthan, Delhi, Mumbai, Maharashtra&Goa, Assam, Uttar Pradesh, North East. Odisha Madhya Pradesh, Punjab and Haryana.


3. How long will it take to transfer the money?

Transfers to mobile numbers are instantaneous. If you are sending money to a bank account, the transfer will take place as per the bank NEFT cycle.

Day Transaction Timings
Monday to Friday 8:00 AM to 6:30 PM
Saturdays 8:00 AM to 12:30 PM


4. What details do I need to enter to send money to a m-pesa Customer?

You need to enter the recipient's mobile number and the amount you wish to send. You will have to authorise the transaction by entering your PIN.


5. What details do I need to enter to send money to a bank account?

To transfer money to a bank account you need to enter the following details:

  • Beneficiary's mobile number
  • Beneficiary's name (as registered with the bank)
  • Beneficiary bank account number
  • Beneficiary bank account IFSC Code
  • Amount
  • PIN


6. How will I know that the money has been transferred successfully?

If you are sending money to any mobile number, both you and the recipient will receive an SMS confirming the transfer. You can also dial *400# and check balance to confirm. If you are sending money to a bank account, you will instantly receive an SMS confirming the request. As soon as the money request is registered with ICICI Bank, you will receive another SMS confirming the same. In case, of rejection of your request, you will receive an SMS stating the same.


7. What happens if the transaction has failed?

In the event of a failed transaction due to network issue, if you are sending money to mobile number, the amount will not be debited from your account. You will also receive an SMS informing you about the failure of the transaction. If you are sending money to a bank account, then the amount will be refunded to your account within 4 working days.


8. Do I need to register the recipient?

No, this is not compulsory. You can send money to a non-registered customer also.


9. Is there a charge for sending money?

Yes. There are charges applicable for this service. The charges are as mentioned earlier.


10. What is the maximum / minimum amount I can send?

Please visit the limits section.


11. Can only registered user send money?

Yes. Only those customers who have activated their m-pesa Mobile Money Account can send money.


12. Can only registered user receive money?

No, both registered and unregistered user can receive money.


13. What is the TAT to withdraw money by unregistered user?

If money is not en-cashed in 15days by an unregistered user, it is credited back to the sender.


Bill Payment

1. What is m-pesa Bill Payment?

m-pesa Bill Payment is a service that allows you to pay your own Vodafone Post-paid Bill or that of any Vodafone Post-paid customer within the same circle. In addition you can pay for other utility services like DTH, electricity bills, insurance premium payments etc. The service can be accessed through an USSD /IVR.


2. What should I do to activate m-pesa Bill Payment?

You don't need to activate the Bill Payment service separately, as long as you have an active m-pesa Account, you can start using the Bill Payment service.


3. What are the charges to activate the service?

No activation charge will be levied for this service.


4. Is m-pesa Bill Payment service a safe and secure platform for transactions?

m-pesa Bill Payment adheres to the highest security standards and is at par with any financial transaction platforms available globally. Your financial information is completely protected from misuse and hence, it is very secure.


5. Can some other Vodafone Post-paid customer be able to pay my Vodafone Post-paid bill through m-pesa?

Yes. Any Vodafone Post-paid customer who has activated m-pesa service and has sufficient balance in his account can pay your post-paid bill.


6. Will I be charged anything for using m-pesa Bill Payment services?

No. You will not be charged anything for using this service. This service is designed and developed within Vodafone and it comes to you absolutely free.


7. How will I know that my transaction is successful and my bill payment is done?

As soon as your transaction is completed, you will get an SMS confirming if your transaction is successful or declined.


8. How much time will it take for my bill payment to reflect on your system?

Post-paid bill payment transactions will reflect in your account within 4 hours.


9. Whom should I contact if my bill payment does not take place?

In case, your transaction is not successful, you can contact our Customer Care on 55400, our Customer Care Executives will be happy to help you.


10. What happens in case I enter a wrong mobile number for bill payment?

In case, you enter a wrong mobile number while doing your transaction, we regret to inform you that, as of now the payment will not be reversed.


11. Can I use this service while roaming Nationally and Internationally?

Yes. You can only use m-pesa Bill Payment service as long as you are roaming on Vodafone network in India. Currently, it will not work on International networks. However, we will keep you informed when we launch this service on International networks as well.


12. If I pay for another number, then where will the transaction feature? Will it show in both the accounts?

In our billing systems, the transaction will only feature in the account for which you have made the bill payment.


13. The confirmation SMS hits which number? The customer who is paying or the account for which it has been paid?

On successful completion of the payment a confirmation SMS will be sent to the customer who is making the payment. In addition, the customer on whose behalf you have made the payment will also receive an SMS from Vodafone confirming the same.


14. Are there any limits on the amount I can transact for making bill payment on m-pesa Bill Payment?

Yes, there are limits. You can use up to Rs.5,000 per transaction, per day.


15. Can I pay bill for a suspended Vodafone Mobile Number?

Yes, in case, of a temporary suspension of a mobile number you can recharge or pay bill for the same.

However, if the mobile number is permanently disconnected it will feature as an invalid mobile number on the menu.


16. What is the size of the application?

It works on a USSD platform and it does not take any space of your handset.


Security & privacy

1. Is m-pesa safe and secure?

When you register for m-pesa, you will set your confidential Personal Identification Number (PIN). PIN is required to authorise all your transactions and to get any account information. The PIN is not stored anywhere on the phone or at any server. The transmission between you and the server is highly secure and is done using encryption mechanism ensuring highest safety and security standards. The PIN is known to the m-pesa Account holder only. Even people at Vodafone or at the Bank do not have access to your PIN as it is stored in our system in an encrypted format. Your money will always be safe even if you have accidently lost your phone, so long as you have not disclosed your PIN to anyone.


2. When should I set my PIN?

As soon as your registration is completed, you will receive an SMS confirming the same. You should immediately change the default PIN to a number of your choice.


3. How do I protect my PIN?

Please keep your PIN secret and do not share it with anyone. We will never call you for your PIN or ask for it when you call us. In case, you feel your PIN has been compromised any time, please reset it to a number of your choice or call Customer support to have it reset.


4. I forgot my PIN. What should I do?

Please call Customer support to have it reset. You will be sent a temporary PIN via SMS after necessary verification. You need to change this PIN within 48 hours in order to use the service.


5. Will I be informed when my account gets credited or debited?

Yes. A confirmation SMS will be sent whenever a transaction is processed from your account.


6. Can my account get locked? What should I do?

Yes, if we detect suspicious activity on your account, we may sometimes lock the account. This is largely to protect your money.


Customer Support & Troubleshooting

1. What details do I need to verify when I call Customer support?

You should have your identification information (given during registration / upgrade) when you call Customer support at 55400.


2. What details are required if I call regarding a particular transaction?

You should have the transaction ID related to that transaction and you have to provide it to the Customer Care Executive.


3. After I enter my PIN, I get a message "Your PIN has expired, please change it before doing any transaction" What should I do?

You need to change your default PIN before making any transaction. Go to the 'my account' section in m-pesa menu to change the PIN.


4. What happens when I lose the mobile phone signal while using m-pesa?

If this happens, the payment may or may not have been processed. To confirm, wait for a few seconds, and then check your account balance and activity history. If you are still unsure of the status of your payment, please call our Customer Care.


5. I got supplementary service not-error while using *400#. What does this mean?

Normally, this not-error occurs when your session times out due to inactivity.


6. What do I do if my account gets locked?

Call Customer Care and unlock it . You will need to provide authentication information before your account can be unlocked.


7. What happens if I make wrong PIN attempts?

After 5 incorrect PIN attempts, your account will automatically be locked by the system for security reasons. You need to contact Customer Care to unlock it. After necessary verification, you will be sent a new PIN to resume service.


8. What if I forget my PIN?

Call the Customer Care to have them reset it for you. You will need to provide authentication information before your PIN can be reset. You will get an SMS with a temporary PIN which you need to change the first time you use the service.


9. What if I lose my mobile phone?

Even if you lose your mobile phone, no one will be able to access your m-pesa Account without knowing your PIN. Since the PIN is not stored on the phone, your money is safe. Inform m-pesa by calling Customer Care, so that we can block your account for further security.


10. What do I do if I buy a new phone?

The m-pesa application is linked to your mobile number & not your handset. So you can change as many phones as you want and be still able to use the service uninterrupted.


11. What should I do if I change my mobile number?

m-pesa works only on the same Vodafone number on which you have registered your m-pesa Account. In case you change your number only and not your operator, you will not be able to continue using m-pesa. Please call our Customer Care to deactivate your account.


12. I want to deactivate my m-pesa Account. How do I get my balance back?

Refund of account balance is not possible, so we suggest you use the entire amount before getting the account deactivated.


13. Will subscribers of other service providers be able to call the m-pesa Toll Free number?



14. Will it be Toll Free for them as well or chargeable? If yes, what would be the charges?

Toll free is only for Vodafone customers. Non-Vodafone subscribers will be charged as per rates of their operator and the scheme.

15. Can users (Vodafone as well as non-Vodafone) from other locations also connect to the Toll Free number?

Yes, but then it will be an STD call.


16. What happens if the unregistered customer has deleted the SMS for fund transfer?

In such a case, the remitter should call the call centre and request them to resend the transfer code via SMS.


17. How will I know authenticity of the m-pesa agent?

The m-pesa agent will have an agency code which will be displayed at the store. Only if this code is valid the customer will be able to withdraw cash at the agent store. Also any exchange of physical cash for m-pesa will be done only after the SMS confirmation.

18. I am changing from Postpaid to prepaid (or vice versa). Will you transfer my wallet?

As long as you use the same number, no change is required.


19. I do not have full documents with me, What if I am unable to provide full documentation at time of registration?

In case, if you are not able to meet our documentation guidelines, you can still operate as a semi-closed account. Later you can visit our authorised m-pesa agent, provide them with the acceptable documents and your account will be updated to a KYC Account where you can enjoy all the services offered by m-pesa.


20. What if my verification failed?

If your verification fails because of lack of proper documentation, we will intimate you and you may need to re-submit all the documents. If your KYC verification is rejected by ICICI Bank or if you do not have complete documentation, you can still use the semi closed account for six months which allows you to make bill payments , recharge mobile number, you can also receive money from other m-pesa customers however at any given time, balance in you account should not exceed Rs. 10,000.


21. Can foreigners sign up for mobile money?

Foreigners can enroll for this service after submitting valid documents as per defined KYC list.


22. Is there a minimum deposit that I have to make while opening the account?

Yes, you need to pay an initial payment of Rs. 200 while opening an account.


23. Is their an account opening fee?

Yes, a fee of Rs. 100 would be charged as activation fee while opening an account.

24. Can I reverse payment if I made it to the wrong mobile number?

In such a case, we regret to inform that we cannot take any request for reversal of your incorrect transaction. We suggest that you to speak to the recipient and request them to refund amount to your account.


25. How can I get my account details changed or modified?

Customers need to submit a written request to authorised m-pesa agent / store along with self attested Proof of Identity.