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How to Get Your M-PESA Statement by Email and USSD: A Comprehensive Guide

M-PESA is a mobile wallet and payment service offered by Safaricom in Kenya. With M-PESA, you can send and receive money, pay bills, purchase goods and services, and even access loans. It’s a convenient way to manage your finances, but it’s important to keep track of your transactions. In this article, we’ll show you how to register for and get your M-PESA statement by email and USSD.

Why You Need Your M-PESA Statement

Your M-PESA statement is a record of all your transactions on the platform. It shows when you sent or received money, who you transacted with, the amount, and any fees charged. Having access to your statement is important for several reasons:

  • Budgeting: Your M-PESA statement helps you track your spending and income, which is essential for budgeting effectively.
  • Dispute Resolution: If there is an error in your transaction or you suspect fraud, your statement serves as evidence that can help you resolve the issue.
  • Loan Applications: Some financial institutions require your M-PESA statement as part of their loan application process.
  • Tax Records: Your M-PESA statement can be used as proof of income or expenses when filing taxes.

How to Register for M-PESA Statement by Email

To get your M-PESA statement by email, you need to register for the service first. Here’s how to do it:

  1. Dial *234# on your Safaricom line.
  2. Select “My M-PESA Information.”
  3. Choose “M-PESA Statement.”
  4. Enter your National ID or Passport number.
  5. Follow the prompts to complete the registration process.

Once you’ve registered, your M-PESA statement will be sent to your registered email address at the end of each month. You can also request a statement at any time by dialing *234#, selecting “My M-PESA Information,” and choosing “M-PESA Statement.”

How to Get Your M-PESA Statement by USSD

If you don’t have access to email or prefer a quicker way to get your statement, you can also use USSD. Here’s how:

  1. Dial *234# on your Safaricom line.
  2. Select “My M-PESA Information.”
  3. Choose “M-PESA Statement.”
  4. Select “Full Statement” or “Mini Statement” depending on your needs.
  5. Enter the start date and end date for the period you want the statement for.

You’ll receive your statement via SMS within a few minutes of making the request. The full statement includes all transactions for the selected period, while the mini statement shows only the last five transactions.

Tips for Using Your M-PESA Statement

Now that you know how to get your M-PESA statement by email and USSD, here are some tips for using it effectively:

  • Check your statement regularly: To stay on top of your finances, check your M-PESA statement regularly, ideally once a week.
  • Review your transactions: Go through your statement carefully and make sure all the transactions listed are accurate. If you notice any errors, report them to Safaricom immediately.
  • Keep a backup: Save a copy of your statement in a secure location such as your email or cloud storage. This ensures you can access it even if your phone is lost or stolen.
  • Use it for budgeting: Your M-PESA statement provides insight into your spending habits, which can help you create a realistic budget and stick to it.
  • Monitor for fraud: Keep an eye out for any suspicious transactions on your statement, such as transfers you didn’t authorize or charges you don’t recognize. Report any fraudulent activity to Safaricom right away.

Conclusion

Your M-PESA statement is a valuable tool for managing your finances, and getting it by email or USSD is quick and easy. By registering for the service and checking your statement regularly, you can stay on top of your transactions and use the information to make informed financial decisions.

FAQs

Q1. Can I get my M-PESA statement for a specific date range? A1. Yes, when using USSD, you can enter the start date and end date for the period you want the statement for.

Q2. How often will I receive my M-PESA statement by email? A2. You’ll receive your statement at the end of each month via your registered email address.

Q3. Can I request a statement for someone else’s M-PESA account? A3. No, you can only request a statement for your own M-PESA account.

Q4. How long does it take to receive my M-PESA statement by email? A4. You should receive your statement within a few minutes of requesting it via USSD.

Q5. Is there a fee for getting my M-PESA statement? A5. No, there is no fee for getting your M-PESA statement.

Q6. How far back can I get my M-PESA statement? A6. You can get your full statement for up to six months back, while the mini statement shows only the last five transactions.

Q7. What should I do if I notice an error in my M-PESA statement? A7. If you notice an error in your statement, report it to Safaricom immediately by calling their customer care line at 100 or visiting any Safaricom shop.

Q8. Can I access my M-PESA statement online? A8. No, currently, you can only get your M-PESA statement by email or USSD.

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