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General (390 days - 2 yrs)	6.90%	Apply Now
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m-pesa Customer Dos & Don'ts

m-pesa Customer Dos

Open m-pesa account with a minimum balance of Rs. 100 plus the activation fee
Carefully check the mobile number of beneficiary before making any payment
Read the instructions in handset carefully before any action
Clarify any doubt you have regarding m-pesa from the nearest agent or by calling customer care at 55400
Verify your transactions regularly. Any unauthorized transaction, if observed should be reported to the customer care
Inform customer care immediately if your phone has been stolen or if you have lost it
Choose a PIN which is not easy to guess. Change the PIN frequently
View the confirmation SMS post any transaction to ensure the correctness. If you do not receive a confirmation SMS within 15 minutes of transaction inform the customer care
Wait for five minutes before making repeated transactions to same beneficiary of same amount
Call customer care if you have forgotten your PIN
Share voucher code only with an authorized m-pesa agent when you visit their store for cash withdrawal

Don't share your PIN with anyone not even with m-pesa agent or customer care representatives
Don't let anyone see you enter PIN
Don't leave agent's store till you receive SMS confirming your transaction
Don't share voucher code except with the m-pesa agent who would facilitate your request for withdrawal
Don't pay any fee or charges in cash to any agent. Any fee or charge applicable would be deducted directly from your account
Don't sign any blank application form, to be filled in by an agent later
Don't hand-over cash, copies or original documents containing your personal information like date of birth, PAN, address proofs, etc. to anyone claiming to be m-pesa agent. Visit only authorized m-pesa stores to deposit or withdraw money
Don't respond to any e-mails or phone calls that falsely claim to be from a bank or from MCSL and ask you to disclose your personal and m-pesa account related confidential details. We will never ask you to share your personal or m-pesa account details