Paying Electricity Bill (Postpaid) with M-Pesa (Safaricom)

1. 

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1. Go to Mpesa menu
2. Go to Lipa na M-PESA option
3. Select Pay Bill
   
4. Enter KPLC Business No. 888888
5. Enter Full KPLC A/c No. e.g. 123456-01
6. Enter the amount you wish to pay
7. Enter Mpesa pin
8. Confirm that all details are correct and  Ok
9. You will Receive a confirmation of the transaction via SMS

Also see How to check KPLC E-Bill SMS Service

Paying Electricity Bill (Postpaid) with M-Pesa (Safaricom)

1. 

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1. Go to Mpesa menu
2. Go to Lipa na M-PESA option
3. Select Pay Bill
   
4. Enter KPLC Business No. 888888
5. Enter Full KPLC A/c No. e.g. 123456-01
6. Enter the amount you wish to pay
7. Enter Mpesa pin
8. Confirm that all details are correct and  Ok
9. You will Receive a confirmation of the transaction via SMS

Also see How to check KPLC E-Bill SMS Service

Purchase pre-paid electricity power through MPESA

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Step 1 Go to MPESA

menu select “pay bill”

Step 2

Enter theKPLC

prepaid business number 888880

and press OK

Step 3

Enter the

11

digit pre-payment meter

number that you would like to purchase

a token for and press

OK

Step 4

Enter the amount you wish to purchase

electricity token (between KShs.

250

and

35,000

) and press

OK

Step 5

Enter your

M-PESA PIN

and press

OK

Confirm that all the details are correct

and press

OK

Step 6

You will receive a confirmation

SMS

from

MPESA

immediately.

KPLC

will then

generate a token for your meter and

send it to you via sms.

T H R O U G H M P E S A

“Always remember

to have your 11 digit

meter number when

you need to buy more

credit for your pre-paid

meter.”

Purchasing pre-paid electricity token via MPESA or ZAP is as simple as using your

phone. You will receive a return SMS that contains the token number which you

enter into the meter. When the electricity credit is used, you can purchase more

credit.

Co-operative Bank of Kenya; Mobile-banking, Money transfer

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HOW TO TRANSFER MONEY FROM M-PESA TO CO-OPERATIVE BANK :

To deposit money into your bank account,Ensure you have enough cash in your M-PESA account to cover the deposit and transaction charges. It is important to note that while us Mpesa will deduct its charges from your Mpesa Account, Co-operative Bank deducts their charges in your bank account.
Meaning after the transfer, your new Bank account balance will be less the transaction fees. The transaction charges are:

Range	M-Pesa Charges (Charged in your M-pesa Account)	Coop Bank Charges (Charged in your Bank Account)	Total
Ksh.100 – Ksh. 2,499	Ksh. 30	Ksh. 30	Ksh. 60
Ksh. 2,500 – Ksh. 4,999	Ksh. 50	Ksh. 50	Ksh. 100
Ksh. 5,000 – Ksh. 9,999	Ksh. 75	Ksh. 75	Ksh. 150
Ksh. 10,000 – Ksh. 19,999	Ksh. 100	Ksh. 100	Ksh. 200
Ksh. 20,000 – Ksh. 35,000	Ksh. 150	Ksh. 150	Ksh. 300

1. Go to the Mpesa menu on your phone and select Pay Bill option.
2. Enter business no. 400200
3. Enter your Cooperative Bank Account no.
4. Enter the amount to transfer (maximum amount per transaction 1s Ksh. 35,000, and Ksh.70,000 maximum within 24 hours)
5. Enter your M-PESA PIN number
6. Confirm your details and press OK/Send

Next, you will receive and SMS from M-PESA showing the amount has been transfered from your account, it reads: ” BBBBBB confirm sent to Co-operative Bank Money Transfer for account on 05/12/10 at 11:30 am.New M-PESA balance is “
Shortly after (approximately 5 minutes), you will receive an SMS from Cooperative Bank confirming that the money will indeed be transfered to your account: “M-Pesa Paybill Amount = will be transferred to bank A/c , , shortly. Co-operative Bank K Ltd.”
In one hours time, the money will be available in your account for any other transaction e.g online transaction using your ATM Card

HOW TO TRANSFER MONEY FROM CO-OPERATIVE BANK TO M-PESA:

Now, to Access money in your bank account for different services, You need to have registered for M banking at any Cooperative Bank Branch.
Then on your phone press *667#. A menu will appear on your phone from which you select what M banking service you need as follows :
5. Mpesa
4. Airtime (Pre-paid only)
3. Utilities
2. Alerts
1. Banking
0. Call center Number
Press the number against the service you need. In our case you press 5 and follow the intuitive wizard. However, you need to be fast in keying in information in each step, if you delay for more than say 60 seconds in a single step, the system does not complete your request and you have to start afresh.
As at the date of this post, Cooperative bank charges a flat fee  Ksh. 60 to transfer money to your MPesa account regardless of the amount. You are however limited to transfering a total of Ksh. 75,000 within 24 hours. Once the money is in your Mpesa account, normal Mpesa charges will apply for any further transactions e.g withdrawing the money from an Mpesa agent.
Now you have no excuse to be stranded in the bush with money in your account!

M-Shwari

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A revolution in banking is in the offing through M-Shwari.
M-Shwari is the revolutionary new banking product for M-PESA customers that allows you to save and borrow money through your phone while earning you interest on money saved. With M-Shwari, you are also entitled to affordable emergency loans.

This is a product for everyone who feels that banking should be hassle-free. No forms to fill in, no branches to visit. Just one click on your phone and you have a savings account!

What is the M-Shwari Service?

This is a paperless banking service offered through M-PESA that will;
• Enable you open and operate an M-Shwari bank account through your mobile phone, through M-PESA, without having to visit any bank to fill out bank account opening forms.
• It provides you the ability to move money in and out of your M-Shwari savings account to your M-PESA account at no charge.
• It gives you an opportunity to save as little as Ksh.1 and earn interest on your saving balance. This cash is moved into the savings account using your handset via the M-PESA Menu.
• Enable you access micro credit product (loan) of a minimum of Ksh.100 anytime and receive your loan instantly on your M-PESA account.

What are the requirements to have an M-Shwari Account?

To get an M-Shwari account, you need to be:
• A registered Safaricom Subscriber.
• A registered Safaricom M-PESA customer.
• Have an active Safaricom M-PESA account/line.
• You need to hold any of the following identification documents; Kenya National Identification Document (ID); Kenyan Passport Document ; Alien ID (resident Permit) registered by the Government of Kenya.

How do you as an Existing M-PESA Customer opt in/activate your line into the service?

To update your Menu
• Go to the Safaricom menu on the phone.
• Select "M-PESA".
• Go to "My account".
• Select "Update Menu"
• Enter M-PESA PIN
(Wait to receive the updated M-PESA menu)

To Opt - in to M-Shwari
• Go to M-PESA Menu.
• Select M-Shwari.
• A message will appear requesting you to read and accept the Terms & Conditions.
• (English: Visit www.cbagroup.com/m-shwari www.safaricom.co.ke and Swahili: Tembelea www.cbagroup.com/m-shwari www.safaricom.co.ke).
• After accepting the terms; an SMS will be sent informing you that you are now activated on the M-Shwari service.

Source: http://www.safaricom.co.ke/personal/m-pesa/m-shwari 

UNDERSTANDING NATIONHELA MONEY TRANSFER

It is said that this simpler and more convenient international money transfer service, NationHela allows one to receive money from anywhere in the world straight into their prepaid NationHela Visa card. The prepaid Visa card is not the same as any other debit or credit card as it is not linked to one’s bank account.

Let us now understand this prepaid Visa card, one must first own a NationHela card pack which can be purchased from any Diamond Trust Bank branch, NationHela agents and all Nakumatt supermarkets countrywide. The card pack contains a NationHela prepaid Visa card, ATM pin including information on how to use the card.

Once the purchase is done, activation serves as the next step and is done by dialing *348# from one’s mobile phone. The user will then be required to send an SMS with the last eight digits of their card pack Identification number and the last four digits of their digit card number. The mobile phone number used to activate the card serves as your default NationHela account number. Moreover when you are prompted to set your mobile pin, use the ATM pin provided in the pack. Activation of the card allows the user to receive or load money once. 
After activation, registration is the next step as it ensures that one enjoys the full benefits of the account in addition to receiving money or topping up the account. This one-time registration process requires the user to fill out the form provided in the NationHela card pack then submitting it to the nearest DTB branch or NationHela distributor outlet along with a copy of their National Identification card. Once the registration process is complete, the user can make full use of their card within 72 hours.

Sending Money from Abroad to Kenya
There are two options for sending money to Kenya if one is based abroad:
Option 1- NationHela online transfer
This hailed as the simplest and most convenient method, this option allows one to send money directly into a NationHela account from their debit, credit card of paypal account by:

1. Logging on to www.nationhela.com and clicking on the remit funds here tab.
2. Select country of residence, currency and input the amount you would like to send. Submit your details once this is done.
3. Confirm the amount you would like to send and be informed of the transaction fee. The amount that will be received by the beneficiary in Kenya shillings will also be confirmed. In this step, you will also need to confirm the recipients mobile number as well as their full names. When verified click on the  “Send now” button.
4. Input your personal information, and select your preferred mode of transfer ( Debit Card, Credit Card or PayPal) and submit.

The sender will receive a payment confirmation upon the successful completion of their transfer.
Option 2 – Over-the-counter money transfer
This option allows one to send money over-the-counter at any Xpress Money or MoneyGram money transfer outlet. The recipient in Kenya can then simply choose to receive the money directly into their NationHela account by using the NationHela menu on their mobile phone.

Mode of Operation

1. The NationHela recipient will dial *348# and request funds to be transferred to their NationHela account.
2. The recipient will then provide the Reference Number (for  Xpress Money, provide your Xpin and for a MoneyGram transfer and provide a reference number).
3. The name of the recipient must match the name they have used to register their NationHela card.
4. Upon confirmation, funds will be deposited into the recipient’s NationHela account and an SMS confirmation will be sent.

Topping Up the NationHela Account
There are two main methods that enable a user to top up their account such as:
1. Mobile money account top-up
This method involves topping up the account through M-PESA and operates by:

1. Logging onto the Pay Bill menu on the M-PESA account and enter the NationHela PayBill number 516602.
2. Enter the NationHela mobile number to which the money should be sent and the amount to be sent.
3. Both sender and receiver will get an SMS confirmation that funds have been sent and received.

2. Agent Top up
You can also go to a NationHela Agent to top up your NationHela account and operates by:

• Giving the Agent the amount you want to top up, your mobile number and National ID card. 
• The Agent will then proceed to deposit the money into the NationHela account.
• Both you and the Agent will receive an SMS confirmation that funds have been sent and received.

Accessing Your NationHela Funds
Withdrawing Cash
For money sent to your NationHela card, there are various methods of withdrawing it such as:
NationHela Agent
This option involves the use of a NationHela agent and operates by:

1. Dial *348# to provide the Agent code and amount to withdraw at the Agent outlet.
2. Both you and Agent will receive SMS confirmations with unique reference numbers.
3. Agent will pay you and ask you to sign the Transaction Register.

ATM
You can withdraw funds using your NationHela card from any Visa branded ATMs (including PesaPoint) anywhere in the world and operates by:

1. Go to any Visa branded ATM and insert your NationHela card.
2. Enter your ATM PIN and amount to withdraw.
3. ATM will dispense your cash and give you a receipt.

Making Payments

Visa Merchant Outlets
In the case of paying for items at your local supermarket, simply present your card at the cashier’s till. The cashier will then proceed to swipe the card and present you with a sales slip to sign to complete the transaction. As a security measure one may be required to reveal their ATM pin at a point of sale to validate their transaction.
Utility bills (water and electricity)
You can pay for your electricity and water bills (Nairobi Water Company) using your NationHela account through your mobile phone and operates by:

1. Dialing *348#, selecting Bill payment and the company you would like to pay.
2. Provide your customer account number with the company you are paying and the amount to be sent.
3. You will then receive an SMS confirmation with a payment reference number confirming that  your funds have been sent.

Shop and Pay Online
To purchase goods and services online, you will need to activate your card using the customer care portal acquired by visiting www.nationhela.com and clicking on the “Access my account” tab.
How it works:

1. Log onto the website you want to shop from.
2. Provide card details on the website.
3. Print or keep details of your transactions and website visited.

As a security measure, ensure that the website in which you carry out your transaction is secure.

Transferring Money Within Kenya
NationHela to NationHela
You can transfer money to another NationHela account within Kenya using your mobile phone or the internet.
(i)  Mobile Phone Transfer
This transaction operates by:

1. Dialing *348# to access the mobile banking menu.
2. Select the SEND MONEY option and enter the recipient’s NationHela mobile number and the amount to be transferred.
3. Both cardholders will receive SMS confirmations that funds have been sent and received.

(ii) Online Transfer
This option allows you to transfer money from their NationHela card to another online and operates by :

1. Logging onto www.nationhela.com, clicking on the “Access my Account” tab on the home page and entering your user login and password to access the customer self-care portal. Use the online password sent to you when you successfully activate your NationHela card to log in to the self-care portal.
2. Select the wallet to wallet transfer option and enter the recipient’s NationHela Account (Mobile)number and amount to be transferred
3. Both cardholders will receive SMS confirmations that the transfer is successful.

(iii) NationHela to your M-PESA account
This option allows you to transfer money from your NationHela account straight to your M-PESA account.
How it Works

1. Dial *348# to access your mobile banking menu.
2. Select the SEND MONEY option and choose Transfer to Mobile Money Account (e.g. M-PESA).
3. Enter the amount to be transferred.
4. You will receive confirmation that the funds have been sent to the M-PESA account.

Managing Your Account
In order to personally manage your account from wherever you are, simply log on to the customer self-care portal via the internet on www.nationhela.com or access the same information via mobile by dialing *348# from your mobile phone.
The customer self-care portal allows you to perform the following services:

1. Activate your card for use in online transactions- you will need to activate your card on the customer self-care portal to enable online payments for goods and services
2. View current and previous statements
3. View account balance
4. Block or unblock your account
5. Change your online login password via the internet
6. Change your mobile PIN via your mobile
7. Perform card to card transfers

This information was obtained from http://www.nationmedia.com/newsletter/archive/July2012/newsletter_hela.html