M-PESA App in 2026: My OneApp Guide, Features & Download

The M-PESA application is Safaricom's official smartphone app for Kenya's mobile money service. In April 2026 it merged with the MySafaricom app to become My OneApp - a single super app for sending money, Fuliza, M-Shwari, KCB M-PESA, Ziidi investments, airtime and 80+ mini apps. It is free to download on Android and iOS.

If you searched for "M-PESA app" and found something called My OneApp in your app store, you're in the right place. In April 2026, Safaricom retired the standalone M-PESA app and MySafaricom app and rolled both into one super app. Your M-PESA wallet, PIN and transaction history carried over - only the name and interface changed.

This guide covers what changed, how to download and set up the app, every major feature (Fuliza, M-Shwari, KCB M-PESA, M-PESA Global, Ratiba, Pochi la Biashara, mini apps), how it compares with the *334# USSD menu, and - if you run a business - how to set up Lipa na M-PESA and automate what happens after every payment.

What happened to the M-PESA app in 2026?

At its Decode 4.0 event on 1 April 2026, Safaricom unveiled My OneApp, merging the M-PESA app (about 6.7 million users) and the MySafaricom app (about 2.8 million users) into one platform. Existing M-PESA app users were migrated through a normal app update - the Play Store and App Store listings themselves became My OneApp.

The rollout was bumpy. Early versions had login failures and missing saved paybills, and Safaricom publicly apologised in mid-April 2026. A rapid series of updates (v5.1.1 through v5.1.5 and beyond) fixed the major issues, restored the Favourites tab, and - from Android v5.1.9 and iOS v5.1.7 in June 2026 - made the app data-free, so opening it no longer consumes your data bundle.

What did not change:

• Your M-PESA wallet, balance, PIN and limits
• M-PESA transaction charges (the app itself adds no fees)
• The *334# USSD menu and SIM Toolkit, which still work on any phone

How do I download the M-PESA app (My OneApp)?

The app is free to download. Search for "My OneApp" or "M-PESA" - the listings are the same app.

Platform	Where to get it	Notes
Android	Google Play Store	Same listing as the old M-PESA app; requires Android 7.0+
iPhone	Apple App Store	Listed as "My-OneApp" by Safaricom PLC
Huawei	Supported on Huawei smartphones (4G and above)	Safaricom lists Huawei devices as supported; check AppGallery or the Safaricom website for the current install path

Setup requirements:

1. A registered, active Safaricom SIM inserted as the primary SIM in the phone
2. An existing M-PESA registration (register free at any Safaricom agent if needed)
3. A 4G-capable smartphone
4. If you're outside Kenya, an active roaming bundle to verify your number

Log in with your Safaricom number and M-PESA PIN, then enable fingerprint or Face ID for faster access.

What can you do on the M-PESA app in 2026?

Core wallet

• Send money to any network in Kenya
• Withdraw cash at agents and ATMs (QR code or token)
• Lipa na M-PESA - pay bills (paybill) and buy goods (till)
• Buy airtime, data and SMS bundles for yourself or others
• View and export full M-PESA statements
• Scan-to-pay with QR, plus NFC tap-to-pay at supported merchants
• AI Pay - scan a paper bill or receipt and the app extracts the paybill number and amount for you
• Offline mode - core transactions route over SMS when you have no internet

Savings, credit and investments

Service	What it does
Fuliza	Overdraft that completes a payment when your balance is short; repay from your next deposit
M-Shwari	Savings account and 30-day mobile loans (with NCBA)
KCB M-PESA	Savings and loans (with KCB Bank)
Ziidi	Money market fund investing from as little as KES 100; Ziidi Trader adds access to Nairobi Securities Exchange shares
M-PESA Ratiba	Standing orders - automate rent, school fees, chama contributions and subscriptions
M-PESA Global	Send and receive money internationally
Pochi la Biashara	A separate business pocket so daily sales don't mix with personal money

Mini apps

My OneApp hosts 80+ mini apps - third-party services that run inside the app without a separate download: transport and parking, betting and gaming, insurance, government services, streaming and more. Across the wider Vodacom group, M-PESA platforms now host 221 mini apps serving 9.4 million financial-services app users, and Safaricom's upgraded platform handles up to 6,000 transactions per second.

The app also uses AI personalisation: the services you use most - Fuliza, a saved paybill, a favourite contact - surface on your home screen automatically.

M-PESA app vs *334# USSD: which should you use?

Both are free to access and charge identical M-PESA transaction fees. They suit different situations.

	My OneApp (M-PESA app)	*334# USSD / SIM Toolkit
Phone needed	4G smartphone	Any phone, including kabambe
Internet needed	No data bundle consumed (data-free since June 2026), but needs connectivity; offline SMS mode as backup	None
Transaction history	Full searchable statements, export to PDF	Last transactions via mini statement only
Savings & investments	M-Shwari, KCB M-PESA, Ziidi, Ratiba in one place	Available but buried in menus
Mini apps, QR, NFC	Yes	No
Best for	Smartphone users, frequent transactions, tracking money	Feature phones, low battery, no smartphone

Rule of thumb: the app is better for anything you do repeatedly or want a record of; *334# remains the universal fallback that works on every phone in Kenya.

How do businesses use M-PESA in 2026?

The consumer app is only half the story. If you sell anything, three tools matter:

1. Lipa na M-PESA (till or paybill). A Buy Goods till suits shops, restaurants and service businesses taking payments over the counter. A paybill suits billers - schools, SACCOs, utilities, landlords - who need account numbers on every payment. You can apply online through Safaricom's M-PESA for Business self-onboarding portal with your ID and business documents. Our step-by-step guide: how to request an M-PESA paybill or Buy Goods till.

2. The M-PESA for Business app. A separate app (not My OneApp) for till and paybill owners: real-time payment notifications, full statements, money-in/money-out performance graphs, paying suppliers and salaries directly, and managing multiple tills under one login.

3. Pochi la Biashara. For informal traders - mama mboga, boda riders, kiosks - Pochi separates business income from your personal wallet with no paperwork. It is now Kenya's most widely used M-PESA business payment option by merchant count. Full details in the next section.

Pochi la Biashara

Pochi la Biashara (Swahili for "business pocket") is M-PESA's business wallet for small and informal traders: mama mboga, boda boda riders, food vendors, kiosk owners, salonists and second-hand clothes dealers. It runs on your existing Safaricom line - no new SIM card, no till number, no paperwork - and holds customer payments in a separate balance so daily sales never mix with personal money.

It has quietly become the most popular way Kenyan businesses get paid. In Safaricom's FY2026 results, Pochi reached 2.1 million active merchants (up 81.5% year on year), overtaking the 1 million active Lipa na M-PESA till merchants (up 54.2%). Tills still move more value - KES 9.3 billion in revenue for Safaricom against Pochi's KES 4 billion - but by sheer count of businesses, Pochi now leads.

Why small traders choose Pochi:

• Business money sits in its own balance, separate from your personal M-PESA
• Customers still pay your normal phone number, but the confirmation shows your registered business name instead of your personal name
• Payments into Pochi are reported to be protected from customer-initiated reversals - a customer cannot recall funds without your involvement (confirm exact mechanics with Safaricom)
• No documents needed: unlike a till or paybill, there is no KRA PIN or business-permit requirement, and opting in takes about a minute

How to register for Pochi la Biashara (free):

1. Dial *334# on your M-PESA registered Safaricom line
2. Select Pochi la Biashara, then Join Pochi
3. Accept the terms and conditions
4. Pick your business category, and you're live

You can also opt in through the SIM Toolkit, and Pochi sits inside My OneApp alongside Fuliza and M-Shwari, so you can manage the balance from the same app as your personal wallet.

Charges and limits:

• Customers pay the standard M-PESA send money tariff to pay into your Pochi: free up to KES 100, from KES 7 (KES 101 to 500), capped at KES 108 above KES 20,000
• Receiving money into Pochi is free for you
• Withdrawing Pochi cash at an agent attracts normal agent withdrawal charges; moving money from Pochi to your personal M-PESA is reported as free (confirm at *334#)
• Standard M-PESA limits apply: KES 250,000 per transaction, KES 500,000 per day

Pochi vs Till vs Paybill: which one fits your business?

	Pochi la Biashara	Buy Goods till	Paybill
Best for	Informal and micro traders	Shops, restaurants, service businesses	Billers: schools, SACCOs, utilities, landlords
Registration	Instant and free via *334# or My OneApp, no documents	M-PESA for Business portal: ID, KRA PIN, business documents	Same portal and documents, plus settlement details
Payment identifier	Your existing phone number	Dedicated till number	Dedicated paybill number + account number
Customer pays	Standard send money charges (free up to KES 100, max KES 108)	Free at every amount	Depends on the business's tariff choice
Business pays	Nothing to receive; normal rates to withdraw at an agent	Merchant commission, about 0.5% capped at KES 200 (verify current rate)	Varies by tariff (Business Bouquet, Mgao options)
Account numbers per payment	No	No	Yes
Statements and tools	Basic, inside My OneApp	M-PESA for Business app, Daraja API	M-PESA for Business app, Daraja API, C2B account references

Rule of thumb: start on Pochi when you're a one-person business getting paid to your phone. The moment you need staff to take payments, automated receipts, account numbers, or API integration with your own systems, upgrade to a till or paybill - Pochi is not built for developer integration.

Why the app matters more than ever for customer engagement

Here's the pattern we see across thousands of Kenyan businesses: a customer pays via M-PESA, gets the default Safaricom SMS, and then... nothing. No branded receipt. No WhatsApp confirmation. No follow-up when an STK Push fails and the sale silently dies.

With M-PESA now processing 46.4 billion transactions worth KES 41.68 trillion a year (Safaricom FY2026 results), every one of those transactions is a customer touchpoint most businesses waste. Connecting M-PESA to your communication stack changes that:

• Branded SMS receipts sent seconds after payment, from your business name
• WhatsApp confirmations with order details and a support link
• Failed-payment recovery - automated voice or WhatsApp nudges when an STK Push times out
• An AI receptionist answering "did my payment go through?" calls 24/7, so your team doesn't

HelloDuty plugs into Safaricom's Daraja API and triggers all of the above automatically - SMS, WhatsApp, voice and CRM in one platform, one bill.

Frequently asked questions

Is the M-PESA app free?

Yes. My OneApp is free to download and, since June 2026, free to browse - it no longer consumes data bundles on recent versions. Standard M-PESA transaction charges (sending, withdrawing, paybill) still apply exactly as they do on USSD.

Is the M-PESA app the same as My OneApp?

Yes. In April 2026 Safaricom merged the M-PESA app and MySafaricom app into My OneApp. The old app store listings updated into My OneApp, and your wallet, PIN and history carried over unchanged.

What is the USSD code for M-PESA?

Dial *334# on your Safaricom line for the full M-PESA menu on any phone - no internet or smartphone required. Transaction charges are identical to the app.

Do I need a smartphone to use M-PESA?

No. The SIM Toolkit and *334# work on every phone. The app adds better statements, savings and investment products, mini apps, QR and NFC payments for smartphone users.

How do I set up a business account on M-PESA?

Apply for a Buy Goods till or paybill through Safaricom's M-PESA for Business self-onboarding portal (ID, KRA PIN and business documents required), then manage it with the M-PESA for Business app. Informal traders can activate Pochi la Biashara instantly inside My OneApp.

What is Pochi la Biashara and how do I register?

Pochi la Biashara is a free M-PESA business wallet for small and informal traders. It keeps customer payments in a separate balance on your existing Safaricom line and shows customers your business name instead of your personal name. To register, dial *334#, select Pochi la Biashara, choose Join Pochi, accept the terms and pick your business category. You can then manage it inside My OneApp.

What are the Pochi la Biashara charges and limits?

Customers pay the standard M-PESA send money tariff to pay into your Pochi: free up to KES 100 and capped at KES 108 above KES 20,000. Receiving is free for the business owner, and agent withdrawals attract normal withdrawal charges. Standard M-PESA limits apply: KES 250,000 per transaction and KES 500,000 per day.

Can I use the M-PESA app outside Kenya?

Yes - you need your Safaricom SIM active with a roaming bundle. M-PESA Global also lets you send and receive money internationally from within the app.

Does the M-PESA app work offline?

Partially. My OneApp includes an offline mode that routes core transactions over SMS when you have no internet connection, and *334# always works with no data at all.

How do businesses integrate M-PESA with their own systems?

Through Safaricom's Daraja API (STK Push, C2B, B2C) - either directly or via a managed platform. HelloDuty handles the M-PESA API integration plus the SMS, WhatsApp and voice automation around every payment.

Ready to do more with every M-PESA payment?

The app experience is Safaricom's job. What happens after your customer pays is yours. HelloDuty connects M-PESA to branded SMS receipts, WhatsApp confirmations, failed-payment recovery calls and a 24/7 AI receptionist - on one platform built for African businesses.

Get started with M-PESA API integration →