How to Send Money from M-PESA to a Family Bank Account

Sending money from M-PESA to a family bank account is quick and easy with the STK push method. Whether you’re supporting loved ones or paying bills, this guide will walk you through the process step by step.

Prerequisites

Before transferring money from MPESA to a Family bank account, ensure:
✅ You have sufficient MPESA balance (including transaction fees).
✅ You know the recipient’s bank name and account number.
✅ Your phone has an active Safaricom line registered with M-Pesa.

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Send Money from MPESA to a Family Bank Account

Method 1: Using the MPESA Menu (STK Push)

1. Dial *334# on your Safaricom line.
2. Select “Lipa na MPESA”.
3. Choose “Pay Bill”.
4. Enter the bank’s paybill number (e.g., Family Bank’s pay bill is 222222).
5. Input the family member’s account number as the account number.
6. Enter the amount you want to send.
7. Type your MPESA PIN and press OK.
8. You’ll receive an SMS confirmation from MPESA and the bank.

Method 2: Using the MySafaricom App

1. Open the MySafaricom App and log in.
2. Go to MPESA > Lipa na MPESA.
3. Select “Pay Bill”.
4. Enter the bank’s paybill number (e.g., 222222 for Family Bank).
5. Input the account number (recipient’s bank details).
6. Enter the amount and confirm.
7. Authorize the transaction with your MPESA PIN.
8. Wait for the confirmation message.

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MPESA to Family Bank Transaction Charges

Amount (KES)	Fee (KES)
1 – 100	Free
101 – 500	10
501 – 1,000	25
1,001 – 1,500	45
1,501 – 2,500	60
2,501 – 3,500	75
3,501 – 5,000	85
5,001 – 7,500	95
7,501 – 10,000	100
10,001 – 15,000	110
15,001 – 20,000	120
Above 20,000	120 + 0.1%

Fees are subject to change by Safaricom.

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Common Issues & Solutions

❌ Transaction fails?

• Check if the bank’s pay bill number is correct.
• Ensure the account number is accurate.
• Confirm you have enough balance (including charges).

❌ No confirmation SMS?

• Wait a few minutes; delays can happen during peak times.
• Check with the recipient to confirm if the funds reflect in their account.

❌ Wrong account number entered?

• Contact the bank immediately to reverse the transaction.

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FAQs

1. How long does it take for money to reflect in the bank?

• Usually instant, but can take up to 30 minutes during high traffic.

2. Can I reverse an MPESA to bank transaction?

• No, once sent, you must contact the bank for assistance.

3. Is there a daily limit for MPESA to bank transfers?

• Yes, the maximum per transaction is KES 150,000, with a daily limit of KES 300,000.

4. Can I send money to any bank via MPESA?

• Yes, as long as you have the correct paybill number and account details.

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Final Thoughts

Sending money from MPESA to a Family Bank account is fast, secure, and convenient. Whether you use USSD (*334#) or the MySafaricom App, the process is straightforward. Always double-check details before confirming transactions to avoid errors.

💡 Need help? Contact Safaricom via *100# or 100 (free) for assistance.

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