If you often use M-Pesa, there will come a time when you need to review your financial transactions, whether for personal budgeting or business tracking. Safaricom, the provider of M-Pesa, has made it easy to access your M-Pesa statement in several ways. This detailed guide will walk you through everything you need to know about getting your full M-Pesa statement, including various methods, frequently asked questions, and tips for troubleshooting.
Table of Contents
- What is an M-Pesa Statement?
- Why You Might Need Your M-Pesa Statement
- Various Methods to Generate an M-Pesa Statement
- Using USSD Code
- Via the SIM Toolkit
- Using the Safaricom Self-Care Portal
- Through the M-Ledger App
- Using Safaricom Zuri
- Visiting a Safaricom Customer Care Center
- Frequently Asked Questions (FAQs)
- M-Ledger App Advantages
- Troubleshooting Common Issues
- Conclusion
1. What is an M-Pesa Statement?
An M-Pesa statement is a record of all transactions carried out through the M-Pesa mobile payment platform. It includes detailed information such as transaction dates, amounts, recipient details, and transaction reference numbers. Whether you’re a business owner or an individual managing personal finances, this statement provides an accurate overview of your financial activity.
2. Why You Might Need Your M-Pesa Statement
There are several reasons why you might need an M-Pesa statement:
- Tracking Expenses: It helps you understand where your money is going by reviewing payments, purchases, and transfers.
- Budgeting: With a clear view of your spending patterns, you can create better budgets and manage your finances more effectively.
- Business Transactions: For business owners, M-Pesa statements can help track sales, payments, and other transactions efficiently.
- Tax Reporting: Statements can be useful for filing taxes and keeping a record of income and expenditures.
- Proof of Payment: The statement acts as proof of payment for any disputes regarding transactions.
3. Various Methods to Generate an M-Pesa Statement
a. Using USSD Code
The USSD option allows you to generate both a mini statement (showing the last five transactions) and a full statement for a more extended period. Here’s how to access both:
How to Get a Mini M-Pesa Statement (Last 5 Transactions)
- Dial *234# on your Safaricom line.
- Select option 7: “My Account.”
- Choose option 3: “M-Pesa Statement.”
- Select option 1: “Request Statement.”
- Choose option 0: “Last 5 Transactions.”
Your mini statement will be sent to you via SMS, displaying your five most recent transactions.
How to Get a Full M-Pesa Statement
- Dial *234# on your Safaricom line.
- Choose option 7: “My Account.”
- Select option 3: “M-Pesa Statement.”
- Choose option 1: “Request Statement.”
- Select “Full Statement.”
- Enter your email address when prompted.
Safaricom will send the full statement to your registered email. The document is password-protected, and the default password is your National ID number.
b. Via the SIM Toolkit
If you’re looking for a quick way to access a mini M-Pesa statement, you can use the Safaricom SIM Toolkit.
- Open the Safaricom SIM Toolkit on your phone.
- Select “M-Pesa.”
- Go to “My Account.”
- Choose “Mini Statement.”
- Enter your M-Pesa PIN.
Your mini statement will be displayed immediately, showing the last five transactions.
c. Using the Safaricom Self-Care Portal
For those who prefer to manage their statements online, the Safaricom Self-Care portal provides an easy solution. Here’s how to get started:
- Open your browser and navigate to the Safaricom Self-Care portal.
- Register or log in using your phone number.
- Once logged in, navigate to the “M-Pesa” section.
- Request your statement by following the on-screen instructions.
- Choose the desired time period and enter your email to receive the full statement.
This method provides a secure and convenient way to access your M-Pesa history from any internet-connected device.
d. Through the M-Ledger App
The M-Ledger app is a dedicated M-Pesa statement app available for Android and iOS devices. It offers a comprehensive and user-friendly way to access and manage your M-Pesa transactions.
- Download the M-Ledger app from the Play Store (Android) or App Store (iOS).
- Once installed, the app automatically scans your M-Pesa transaction SMS messages and compiles them into a detailed statement.
The app not only provides access to your statement but also categorizes transactions, calculates total transaction costs, and displays data in graphical formats.
Additional Features of the M-Ledger App:
- View your M-Pesa balance in real time.
- Track your expenses by category (e.g., pay bills, airtime, purchases).
- Export your M-Pesa data to formats like PDF or Excel.
e. Using Safaricom Zuri
Safaricom Zuri, the AI-powered chatbot, offers another way to generate your M-Pesa statement. Zuri is available via WhatsApp, Facebook Messenger, or through the MySafaricom app.
- Open a chat with Safaricom Zuri on your preferred platform.
- Type “M-Pesa Statement” and follow the prompts.
- Zuri will guide you through the steps to request your statement.
- You will receive the statement via email after completing the verification process.
f. Visiting a Safaricom Customer Care Center
If you prefer in-person assistance, you can visit any Safaricom customer care center to request your M-Pesa statement. The customer service representative will verify your identity and provide the statement for your requested period.
Note: There is a service fee of Ksh. 50 for generating a printed statement at a Safaricom shop.
4. Frequently Asked Questions (FAQs)
Q1. How long does it take to receive my M-Pesa statement?
It typically takes anywhere from a few seconds to 24 hours to receive your M-Pesa statement, depending on the method you choose.
Q2. Can I get a six-month M-Pesa statement?
Yes. To get a six-month statement, dial *234# and follow the steps to request a full statement. Select the option for “6 months,” and the statement will be sent to your email.
5. M-Ledger App Advantages
The M-Ledger app offers several advantages over traditional methods:
- Convenience: It organizes your transactions into easy-to-read categories.
- Historical Data: Access up to a year’s worth of M-Pesa transactions if the SMS messages are available on your phone.
- Export Options: Export data to PDF, Excel, or Word formats, making it ideal for business owners who need detailed transaction reports.
6. Troubleshooting Common Issues
Issue 1: I haven’t received my M-Pesa statement via email.
Make sure you have entered the correct email address and check your spam or junk folder. If the problem persists, try requesting the statement again or contact Safaricom customer support.
Issue 2: I can’t open the M-Pesa statement email attachment.
Ensure you are using the correct password, which is usually your National ID or passport number. If you still cannot open the file, try updating your PDF reader.
Issue 3: M-Pesa messages are missing from the M-Ledger app.
Make sure the SMS messages are still stored on your phone. If you have recently deleted them, the app will not be able to retrieve the transaction history.
7. Conclusion
Generating your M-Pesa statement is essential for managing your finances and keeping track of your transactions. Whether you prefer using the USSD code, the Safaricom Self-Care portal, the M-Ledger app, or other methods, Safaricom provides multiple ways to access this valuable information. In case of difficulties, Safaricom’s customer care team is always ready to assist.
Remember, regularly reviewing your M-Pesa statement is crucial for budgeting, dispute resolution, and business management. Choose the method that works best for you, and stay on top of your financial health!
