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Send Money using M-Pesa

1. Who can send money?


All Customers who have an M-Pesa Account can send money.

2. To whom can I send money?


You can send money to:

  • Other registered M-Pesa customers as well as non-registered customers.
  • Any bank account using IMPS/NEFT. 

3. How long will it take to transfer the money?


Transfers to mobile numbers are instantaneous. If you are sending money to a bank account, IMPS will be instant and the transfer will take place as per the bank NEFT cycle.


DayTransaction Timings
Working days8:00 AM to 6:30 PM

4. What details do I need to enter to send money to a M-Pesa customer?


You need to enter the recipient's mobile number and the amount you wish to send. You will have to authorise the transaction by entering your PIN.

5. What details do I need to enter to send money to a bank account?


To transfer money to a bank account you need to enter the following details:

  • Beneficiary's mobile number
  • Beneficiary's name (as registered with the bank)
  • Beneficiary bank account number
  • Beneficiary bank account IFSC Code
  • Amount
  • PIN

6. How will I know that the money has been transferred successfully?


If you are sending money to any mobile number, both you and the recipient will receive an SMS confirming the transfer. You can also dial *400# and check the balance to confirm. If you are sending money to a bank account, you will instantly receive an SMS confirming the request. As soon as the money request is registered with ICICI Bank, you will receive another SMS confirming the same. In case, of rejection of your request, you will receive an SMS stating the same.

7. What happens if the transaction has failed?


In the event of a failed transaction due to network issue, if you are sending money to mobile number, the amount will not be debited from your account. You will also receive an SMS informing you about the failure of the transaction. If you are sending money to a bank account, then the amount will be refunded to your account within 5 working days.

8. Do I need to register the recipient?


No, this is not compulsory. You can send money to a non-registered customer too.

9. Is there any charge for sending money?


Yes. There are charges applicable for this service. The charges are as mentioned earlier.

10. What is the maximum / minimum amount I can send?


Please visit the limits section.

11. Can only registered user send money?


Yes. Only those customers who have activated their M-Pesa Mobile Money Account can send money.

12. Can only registered user receive money?


No, both registered and unregistered user can receive money.

13. What is the TAT to withdraw money by an unregistered user?


If money is not en-cashed in 30 days by an unregistered user, it is credited back to the sender.