How to Download Your M-PESA Statement in Kenya

If you use M-PESA regularly, downloading your statement is a useful way to keep track of your money. Your M-PESA statement can show transactions such as money sent, money received, withdrawals, deposits and payments.

Whether you're managing personal finances, running a small business or simply checking your spending, your M-PESA statement gives you a clearer picture of your account activity.

How to Download Your M-PESA Statement Using the M-PESA App

The M-PESA App provides an easy way to access your transaction records.

Step-by-Step

1. Open the M-PESA App on your phone.
2. Sign in to your account.
3. Go to the M-PESA section.
4. Select Statements or the available transaction-history option.
5. Choose the period you want to view.
6. Select the option to download, view or receive your statement.
7. Save the statement securely on your phone or send it to your preferred email where available.

The exact layout and menu names may change when Safaricom updates the app, so follow the options currently displayed on your screen.

What Does an M-PESA Statement Show?

Your M-PESA statement can help you keep track of different types of transactions, including:

• Money sent to other numbers
• Money received
• M-PESA withdrawals
• Lipa na M-PESA payments
• PayBill payments
• Airtime purchases
• Deposits and other account activity
• Transaction dates and amounts

This makes an M-PESA statement particularly useful when you need to trace a payment or review your spending.

How Long Can Your M-PESA Statement Cover?

The available statement period can depend on the Safaricom channel you're using and the statement option selected.

For longer transaction records, check the available statement periods displayed in your M-PESA or Safaricom account.

If you need an older statement that isn't available through the app, Safaricom customer support can advise you on the available options.

Why Should You Download Your M-PESA Statement?

There are several reasons to keep your M-PESA records.

Track your spending: See where your money has been going.

Confirm payments: A statement can help you verify when a payment was made.

Manage your business: Small businesses can use M-PESA records to track customer payments and expenses.

Find transactions: If you can't remember a particular payment, your transaction history can help you locate it.

Keep financial records: Downloaded statements can be stored for future reference.

What If You Can't Find a Transaction?

If a transaction doesn't appear where you expect it:

• Check the transaction date.

• Review your M-PESA SMS messages.

• Check your transaction history again.

• Confirm that you're viewing the correct period.

• Contact Safaricom support if the transaction still cannot be found.

Always keep the original M-PESA confirmation SMS for important transactions.

M-PESA Statement vs Transaction SMS

These aren't exactly the same.

An M-PESA SMS confirms an individual transaction, while an M-PESA statement gives you a broader record of your account activity over a selected period.

For example, if you made 20 M-PESA transactions in one month, your statement can help you review those transactions together rather than searching through dozens of SMS messages.

How to Keep Your M-PESA Statement Safe

Your statement may contain sensitive financial information, so treat it carefully.

• Don't share it publicly.
• Avoid sending it to unknown people.
• Store downloaded statements securely.
• Be careful when sending statements through WhatsApp or email.
• Don't share your M-PESA PIN with anyone.
• Delete unnecessary copies from shared devices.

Remember that your M-PESA PIN should never be included in or requested for a normal statement download.

Frequently Asked Questions

Can I download my M-PESA statement from my phone?

Yes. You can access your M-PESA transaction records through available Safaricom digital services, including the M-PESA App.

Can I get an M-PESA statement for a specific period?

Yes. Available statement options allow you to select from the periods offered on your account.

Is an M-PESA statement free?

The availability and applicable charges, if any, depend on the specific statement service and channel you're using. Check the information displayed before completing the request.

Can I use my M-PESA statement to check a missing payment?

Yes. Your statement can help you review transaction details and identify whether a payment was completed.

Can I get an M-PESA statement without the app?

Safaricom provides multiple ways to access M-PESA services. If the statement option you need isn't available through your current channel, use Safaricom's available customer-support options.