If you live in Kenya, chances are M-Pesa is part of your daily life whether you’re paying bills, buying groceries, or sending money to family. The service is fast and reliable, but its popularity has also made it a prime target for fraudsters. Protecting your M-Pesa account is not just important it’s essential. Here are practical ways to stay safe.
Keep Your PIN Secret
Your M-Pesa PIN is the first line of defense. Never share it with anyone, even close friends or relatives. Avoid writing it down in notebooks or storing it on your phone. If you suspect your PIN has been compromised, change it immediately.
Watch Out for Fake Messages and Calls
Fraudsters often send fake SMS alerts that look like genuine M-Pesa notifications. Others may call pretending to be Safaricom staff. Remember, Safaricom will never ask for your PIN. If someone pressures you to act quickly, stop and think—it’s a scam.
Confirm Details Before Transacting
Always double-check the number and name displayed before entering your PIN. Whether paying for a matatu ride or sending money, take those extra few seconds to ensure you’re sending money to the right person.
Stick to Official Channels
Fraudsters often use fake numbers, apps, and websites. Only trust official Safaricom services. For customer support, dial *234# or call 100. If you use the M-Pesa app, download it only from verified app stores and keep it updated.
Report Suspicious Activity
Don’t ignore fraudulent messages or calls. Forward them to 333, Safaricom’s fraud hotline. By reporting, you help protect not only yourself but also others who might fall victim.
Update Your SIM and Apps
Ensure your SIM card is registered in your name and that your M-Pesa app is regularly updated. Updates often come with security improvements that help keep fraudsters at bay.
