How To withdraw Money From M-Pesa using USSD Code

Read our step-by-step guide to withdraw money from your M-Pesa account using USSD codes successfully. Learn the power of this simple tool at your fingertips.

Jun 14, 2023 - 10:50
Jun 14, 2023 - 10:51
How To withdraw Money From M-Pesa using USSD Code
How To withdraw Money From M-Pesa using USSD Code

M-Pesa has revolutionized money transfers in Kenya, making sending, receiving, and managing money straight from your mobile phone accessible. Yet, one critical aspect still needs to be discovered by some users - how to withdraw cash from M-Pesa using a USSD code. This article demystifies this process, breaking it down into easy-to-follow steps.

M-Pesa is more than just a mobile money transfer service. It's a lifeline for many Kenyans, allowing them to pay bills, purchase airtime, and even access financial services. USSD codes, or Unstructured Supplementary Service Data codes, are essential tools within the M-Pesa platform, offering a quick, user-friendly way to perform various transactions, including money withdrawal.

Withdrawing Money from M-Pesa: The Steps to Success

Whether in the heart of Nairobi or the country's remote regions, withdrawing money from M-Pesa is just a few taps away. Let's dive into the step-by-step process.

Step 1: Check Your M-Pesa Balance

Before you embark on the withdrawal process, first check your M-Pesa balance. Select "Show Balance" on the Safaricom App or "Check Balance" on the M-Pesa menu in your Safaricom SIM toolkit. A prompt will appear asking for your secret PIN. After entering it, you'll receive an SMS confirmation of your balance.

Step 2: Dial *334#

Dial *334# on your phone to access the M-Pesa menu. This USSD code is the key to unlocking various M-Pesa services, including cash withdrawal.

Step 3: Select "Withdraw Cash"

In the M-Pesa menu, look for "Withdraw Cash" and select it. You'll need an agent number, so ensure you're at an M-Pesa agent location before starting this process.

Step 4: Input the Withdrawal Amount

After selecting "Withdraw Cash," enter the amount you'd like to withdraw and confirm by selecting "OK."

Step 5: Enter Your Secret PIN

A prompt will appear asking for your secret PIN. After entering it, select "OK" to confirm your transaction.

Step 6: Await SMS Confirmation

Once you've confirmed your transaction, an SMS will be sent to your phone indicating the withdrawal and the remaining balance in your account.

Step 7: Receive Your Cash

After completing the steps above, the M-Pesa agent will hand over the cash equivalent of the amount you withdrew. Remember, you may need to present your original ID.

M-Pesa: Offering More Than Just USSD Code Withdrawals

Though this guide focuses on USSD code withdrawals, M-Pesa offers other equally convenient withdrawal options, such as ATM and QR code withdrawals. These provide additional avenues to access your funds whenever you need them.

READ ALSO: How to Pay for Your Safaricom Home Fibre Package via Mpesa


With its wide range of services and ease of use, M-Pesa has become an indispensable tool for many Kenyans. The power to manage your finances is right at your fingertips, thanks to the simple yet effective USSD codes. Embrace this technology, and make your financial transactions smoother and faster.


Q1: Can I withdraw money from M-Pesa without going to an agent?

A: M-Pesa allows you to withdraw money at any ATM or through a QR code if you have the Mpesa App.

Q2: What should I do if I forget my M-Pesa PIN?

A: If you forget your M-Pesa PIN, you should contact Safaricom customer care for assistance. They will guide you through the process of resetting your PIN.

Q3: Is there a limit to the amount of money I can withdraw from M-Pesa using the USSD code?

A: Yes, there are withdrawal limits on M-Pesa. Safaricom sets these limits and can change from time to time.

Q4: Can I use M-Pesa services if I am away from Kenya?

A: M-Pesa is available in several countries beyond Kenya, including Tanzania and South Africa. However, the USSD codes might vary from one country to another.

Q5: Is it safe to use USSD codes for transactions?

A: Absolutely. Using USSD codes for transactions is safe if you keep your PIN private and secure.

Q6: What can I do if my withdrawal via the USSD code fails?

A: Confirm that your account has enough balance if your withdrawal fails. If the problem persists, contact Safaricom customer care for assistance.


This article is for informational purposes only and is intended to provide general guidelines for withdrawing money from M-Pesa using USSD codes. While we have made every effort to ensure the information is accurate, we are not responsible for any losses or damages caused by your reliance on this information. Always consult with Safaricom or an M-Pesa agent for specific, personalized advice.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.