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Mpawa FAQs

 Access M-PAWA service via USSD or M-Pawa APP

 1. Dial *489# (USSD)on your phone

M-Pawa App can be downloaded from the Google Play Store.

A onetime pin is required to activate the Mobile App.

2.  A four digit start pin will be sent to your mobile via sms, use it to login change your pin.

3. An SMS confirming pin change shall be sent to your phone.

4. A menu will appear on your screen. It consists of:

v  My Account

You can check balances, last five transaction as mini statements, request for e-statements, find the location Stima Sacco branches and change pin

v  Funds Transfer

The maximum amount one can transfer is Ksh 300, 000

Internal transfers- Customers can transfer money within any of their FOSA accounts. Transaction charges apply where applicable

Transfer to another member- Customers can transfer money to another member by keying in the recipient’s member number. The money will be transferred to the recipient member’s prime account.

v  Mobile Wallet

This function allows you to transfer money to your mobile network operator wallet.

v  M-Advance

You can borrow M-Advance loan up to a maximum of Shucks 120,000

v  Airtime Top-Up

You can now buy airtime directly from your prime account.

v  Customer Enquiries

You can now send messages to customer care for assistance


Instructions on How to Deposit Money Using Pay Bill

Go to M-PESA , then Lipa na M-PESA

Enter 823244 as the business number

For payment into deposit, Enter your deposits account number , e.g.  802xxxxxxx00(x stands for member number)

For payment into shares, enter your shares account Number  , e.g.  800xxxxxxx00

For Payment into Prime enter you Prime Account number e.g. 801xxxxxxx00

Enter the amount you wish to deposit (between Ksh10 – Ksh70,000)

Enter your M-PESA PIN

Confirm details are correct and press OK!

Please note that the member number must be 7 digits i.e (x stands for your 7 digits member number)