5 Different Ways to Get Your M-PESA Mini or Full Statements

It's always a good idea to keep track of how you spend your money and that of others too. But nowadays money is all but a button away and that can easily mean foregoing that need to looking into ones finances closely. Such is the case of cashless money. Convenience is good, but with money, as much as you can afford it, you can't really not afford to manage it wisely.

And it's not just your spending habits but also the fact that wireless money transactions can be quite risky. As much as there are some people working tirelessly to safeguard your money just know on the other side there are some people working just as hard to rob you. The biggest thieves today don't rob your bank or house; they sit behind office desks and computers.



That should be reason enough for you to actually check your transactions. Safaricom's M-pesa, due to its popularity, stands out as the most significant form of wireless money transaction in Kenya today. Fortunately, the telecom company provides a couple of ways for one to check their transactions easily and even to get automated reports. Let's look at all the options currently available.
m-pesa logo

Types of M-PESA Statements Available

There are currently two types of M-PESA statements – the full statement and the mini statement. The full statement shows you your entire transactions over a period of time (like a month, 6 months) and is sent via email though one can also view it online. The mini statement on the other hand only tells you of the last 5 transactions made and is sent via SMS

The full statements can only go as far back as 6 months one year. If you need something beyond that like 2 years you should visit a Safaricom Shop or try the M-Ledger method I outline at the bottom of this post. Another thing to note is that the Full Statements sent to your email are in PDF format, so you'll need a PDF viewer to read them. The PDFs are also secured with a password, the password being your National ID number or the Document number (e.g. passport, military ID, alien ID, diplomatic ID etc.) that you registered M-PESA with.
M-PESA Statement Password
M-PESA Statement Password

How to Get Your M-PESA Statements

1. Via SMS

By SMS you can only get the Mini statement. To do this you can use either a USSD code or the Sim Toolkit available in your phone.

(a) Using USSD

i. Dial *234# in your phone

ii. Enter 2 for My M-PESA Information
M-PESA Options
M-PESA Options

iii. Enter 1 for M-PESA Statement
M-PESA Statement
M-PESA Statement

iv. Enter 2 to get the Mini Statement
Type of Statement
Type of Statement

v. You should get an SMS shortly from SAFARICOM with your last five transactions


(b) Via SIM Toolkit/SIM Applications

This will also send you a mini statement via SMS but with only the last one transaction made instead of five.

i. Open your SIM Toolkit/SIM Applications

ii. Go to the M-PESA Menu
M-PESA Sim Toolkit
Safaricom SIM Application

iii. Choose My Account
M-PESA Menu
M-PESA Menu

iii. Select Mini Statement form the Menu
My Account Menu
My Account Menu

iv. Enter your M-PESA Pin
M-PESA Pin
M-PESA Pin

v. You should get an SMS shortly from MPESA with the last transaction you made.



2. Get Full M-PESA Statements Via Email

Update: Safaricom has now made it possible to get M-PESA statements for one year. Just go through the steps as outlined below and you should find the updated menu that will allow you generate statements for 3 months, 6 months or 12 months.

i. Dial *234# in your phone
ii. Enter 2 for My M-PESA Information
M-PESA Options
M-PESA Options

iii. Enter 1 for M-PESA Statement
M-PESA Statement
M-PESA Statement

iv. Enter 1 to get the Full Statement. Doing this the first time requires you to register first.
Type of Statement
Type of Statement

v. Enter your National ID or the Document number you registered M-PESA with (Passport, Alien ID, Military ID etc.)
ID Number
ID Number

vi. Enter and confirm your Email address where you want the statements to be sent to.
Email Address
Email Address

v. That's it. You'll get a confirmation SMS with the email address you've entered. After a while you should also receive your M-PESA statement for the past 6 months in your email . You'll also now be receiving monthly statements sent to your email.
Confirmation SMS
Successfully Registered
Confirmation SMS
Confirmation SMS

If in the future you want to change the email address where the statements are sent to or opt out from receiving the statements altogether, follow the steps outlined above first. Then in the menu where you request for a Mini or Full Statement, you should find two options to either Change email or Opt out.
Change Email Address or Opt out
Change Email Address or Opt out


3. Use MySafaricom App to get M-PESA Statements

First download and install MySafaricom from Google Playstore here. Currently the app is only available for Android.

Follow the set up instructions to get started with the App. You'll need to enter an email address when setting up but you change it later. In the app's start page you should find some buttons to request for M-PESA Full or Mini Statements. Just below them there's a button to change the email address where the statement is sent to.
MySafaricom App M-PESA Menu
MySafaricom App M-PESA Menu

4. Check your M-PESA Statements Online on Safaricom Web Selfcare

Yes you can actually check M-PESA statements online. Just log into Safaricom Selfcare here or create an account first if you don't have one yet. Once you log in, go to the M- PESA menu and the first option there allows you to generate M-PESA statement for up to 6 months. The statements can also be filtered according to type like airtime purchase, paybill, M-Shawari, Reversal e.t.c. Check the screenshot below to see the complete list.
M-PESA on Safaricom Selfcare
M-PESA on Safaricom Selfcare (click to enlarge)

You can even choose a specific timeline (e.g 3 months, 2 weeks) since you're provided with a calendar to choose specific dates. The statement can also be exported to a PDF ( without password) in the same menu. The timeline however is only valid for a period of 6 months. If you need M-PESA statements for more than 6 months, Safaricom advices you to visit a Safaricom Shop for that.



5. Use Safaricom M-Ledger App

The M-ledger app doesn't actually send you statements rather it generates a database of your transactions from the SMS messages sent to you by M-PESA along with importing 6 months of your transactions from Safaricom. It then automatically syncs this database with mledger.safaricom.com so that the info can be accessed later on.

Initially I had doubts with the app because I wasn't sure about using SMS for the data but man was I wrong. For some reason I had M-PESA messages on my phone dating as far back as 2014 and the app just generated some very good looking reports based on this data.  And that's not at all, the app also does the following:

  • It imports up to 6 months of your M-PESA transactions into the app
  • Shows your current M-PESA balance
  • Shows your recent transactions
  • Has an M-PESA calculator to calculate transaction costs
  • Shows the total amount sent and received over a period time
  • Shows transactions per person or business
  • Shows you your top 20 M-PESA money recipients and senders
  • Sorts total amounts transaction type i.e. airtime, paybill, buy goods, deposit, withdrawl, sent
  • Automatically backups and restores your transactions from the cloud
  • Summarizes most of this data in graphs and charts
M-Ledger Start Page
M-Ledger Start Page

So the way I see it, if you are serious about the M-PESA transactions you make, the M-Ledger app is definitely a must have. It's convenient, easy to use and does a good job analysing your transactions into nice readable formats unlike the statements which just report the data as it is. It's also the only method here that give you access to M-PESA statements beyond 6 months one year assuming you have the M-PESA SMS messages in your phone.

You can also visit the M-Ledger website and from there you can generate spreadsheets (Excel) of your transactions and also export the data to PDF, Word etc. I can imagine this must come in handy for business owners that use M-PESA in their businesses.

You can get the M-Ledger app from:
Google PlayStore | Safaricom Appstore


These five methods should hopefully meet you needs. Feel free to share this post to those that may be not aware of some of the alternatives outlined above.


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