how to get mpesa full statement

Understanding M-PESA Statements

How to get mpesa full statement is one of the most common searches for anyone managing finances in Kenya today. Whether you’re tracking business transactions, applying for a loan, or simply monitoring your spending, getting your M-PESA full statement is essential. Fortunately, Safaricom has made the process simple and accessible — even if you don’t have a smartphone or internet access. This comprehensive guide explains everything you need to know about retrieving your full M-PESA statement through USSD, the MySafaricom App, email, or at Safaricom shops.




Why You Might Need a Full Statement

Whether you’re applying for a loan, filing taxes, keeping track of expenses, or simply trying to resolve a disputed transaction, a full M-PESA statement is invaluable. Lenders and financial institutions often request this document to verify your cash flow.

It also provides transparency, especially for entrepreneurs or freelancers who rely on mobile money for payments.

Methods to Access M-PESA Statements

There are several convenient ways to access your M-PESA full statement:

  • USSD Code (*334#)

  • MySafaricom App

  • Visiting a Safaricom Shop

  • M-Ledger or other third-party apps

Each method suits different needs based on your phone type and internet access.

How to Get M-PESA Full Statement via USSD

To request your M-PESA full statement using a basic phone, follow these steps:

  1. Dial *334# on your phone.

  2. Select  My Account.

  3. Choose M-PESA Statement.

  4. Request Statement.

  5. Select Full Statement.

  6. Select Statement Period.

  7. Enter your email address.

  8. Enter Mpesa pin

  9. Confirm and submit.

Within minutes, a full PDF statement and password will be emailed to you. This service typically covers the past one month to two years.

Getting M-PESA Statement via MySafaricom App

For smartphone users, the MySafaricom App offers a fast and intuitive interface:

  1. Download and open the MySafaricom App.

  2. Navigate to the “M-PESA” section.

  3. Tap on “M-PESA Statement.”

  4. Choose the time range (last 1,3, 6,12 months or 2 years).

  5. Enter your email address.

  6. Tap “Request.”

You will receive a PDF document in your email shortly.

Duration of Available Statements

M-PESA allows you to access statements for various timeframes:

  • Mini Statement: Last 5 transactions

  • Full Statement: 1,3, 6,12 months or 2 years

  • Custom Period: Request specific date ranges via USSD code, Safaricom app or shop

Longer durations may take more time to compile but offer more insights into your spending habits.

Charges for M-PESA Statements

Most M-PESA statement requests are free of charge, especially via email or the MySafaricom App. However, requesting statements at Safaricom Shops or through cyber might involve small service fees.

Always confirm any charges before proceeding, especially with unofficial platforms.

Using M-Ledger App for M-PESA Tracking

M-Ledger is a third-party app that syncs your M-PESA messages and organizes them into a digital ledger. It:

  • Tracks all transactions

  • Categorizes expenses

  • Offers printable statements

It’s great for small business owners or freelancers needing daily financial summaries. However, always use trusted apps to avoid data breaches.

Accessing M-PESA Mini Statement

To get a mini statement:

  1. Dial *234# or *334#

  2. Go to “My Account”

  3. Choose “M-PESA Statement”

  4. Request Statement

  5. Select “Last 5 Transactions”

You’ll get a text message with your last 5 transactions — perfect for quick checks.

Limitations of Mini vs Full Statements

While a mini statement is ideal for quick transaction checks, a full statement:

  • Covers a longer timeframe

  • Shows running balances

  • Helps with budget analysis

  • Is legally recognized

For serious matters like loan applications or audits, always request a full statement.

How to Interpret M-PESA Statement Entries

Every line in your M-PESA statement includes:

  • Date/Time of transaction

  • Transaction Type (Sent money, Received, Airtime)

  • Details (Recipient or sender)

  • Amount debited or credited

  • Reference Number

  • Balance after transaction

Understanding these details helps spot fraud or double charges.

Safeguarding Your Statement Information

Always protect your M-PESA statement by:

  • Avoiding downloads on public Wi-Fi

  • Using passwords for PDFs

  • Not forwarding the statement to unverified contacts

  • Deleting sensitive emails after downloading

Your financial data is valuable — treat it as such.

Common Issues in Accessing Statements

You may encounter issues like:

  • Not receiving emails (check spam folder)

  • Incorrect email addresses

  • Delayed Safaricom systems

  • Unlinked email and phone number

In such cases, contact Safaricom Customer Care at 100 or visit a Safaricom Shop.

M-PESA Statement for Loan Applications

Most digital lenders request M-PESA statements to:

  • Assess your repayment behavior

  • Confirm regular income

  • Calculate eligibility

Ensure your statement is recent and covers at least 3 months of activity.

How to Download and Print M-PESA Statement

Once you receive the PDF via email:

  1. Open the attachment

  2. Save it to your device

  3. Use a home or cyber café printer

For legal or formal use, printing is often preferred over digital sharing.

Difference Between M-PESA and Bank Statements

AspectM-PESA StatementBank Statement
Transaction TypeMobile money onlyMobile + cheque + EFT
AvailabilityVia phone or emailBank branch or mobile app
UsageMobile money apps, small loansFormal credit facilities

Both serve vital roles, but M-PESA is better for tracking daily cash flow in Kenya.

Can You Access M-PESA Statements Online?

Yes, through:

Just log in with your phone number and request the statement.

*Using the 334# Menu for Statements

*334# is Safaricom’s one-stop USSD menu. To use it:

  1. Dial *334#

  2. Choose “My Account”

  3. Select “M-PESA Statement”

  4. Choose full or mini

This option is perfect for users without smartphones.

Statements via Safaricom Shops

If you prefer in-person help:

  1. Visit the nearest Safaricom Shop

  2. Carry your original ID

  3. Request for a printed M-PESA statement

They may email or print it depending on your request.

Benefits of Keeping M-PESA Statements

Keeping records can help with:

  • Budgeting

  • Tracking expenses

  • Tax reporting

  • Applying for loans

  • Business audits

The digital era rewards the financially organized.

Troubleshooting Delays in Receiving Statements

If your statement isn’t arriving:

  • Double-check your email address

  • Wait a few minutes, then retry

  • Ensure inbox isn’t full

  • Contact Safaricom via social media or customer care

Safe Ways to Share Your Statement

If sharing with a lender:

  • Remove irrelevant pages

  • Encrypt the file if emailing

  • Never post publicly

Data privacy is key in the digital age.

Legal Acceptance of M-PESA Statements

M-PESA statements are acceptable by:

  • Kenya Revenue Authority (KRA)

  • Visa application offices

  • Loan officers

  • Landlords and property agents

They serve as valid financial documents when required.

Backing Up Your Statements

Use Google Drive, Dropbox, or OneDrive to:

  • Prevent accidental deletion

  • Access anytime

  • Share quickly when needed

Set regular reminders to download monthly statements.

Frequency of Statement Requests

You can request:

  • Mini statements daily

  • Full statements monthly or as needed

  • Some services limit downloads to 3 times per day

Stay within usage limits to avoid delays.

M-PESA Statement for Business Use

Entrepreneurs can:

  • Track client payments

  • Monitor supplier transactions

  • Reconcile cash flow

Pair it with tools like Excel or bookkeeping software.

Role of M-PESA Statements in Tax Filing

KRA may request M-PESA records for:

  • Confirming business income

  • Verifying MPESA PayBill receipts

  • Tracking deductible expenses

Statements are critical for accurate returns.

Final Thoughts on Getting Your M-PESA Statement

Requesting your M-PESA statement is now easier than ever. Whether you need it for budgeting, tax, or loans, the process is quick, free, and accessible even without a smartphone. Take advantage of these tools to stay financially informed and empowered.

FAQs

Can I request my M-PESA statement using any phone?
Yes, both basic phones and smartphones can be used via *334# or the MySafaricom App.

How long does it take to receive the statement by email?
Usually within 5-10 minutes. If delayed, check your spam folder.

Is there a limit on how often I can request a statement?
You can request multiple times per day, but Safaricom may limit it to avoid spam.

Can I use my M-PESA statement as proof of income?
Yes, many lenders and institutions accept M-PESA statements as proof of financial activity.

Is there a cost to get my M-PESA statement?
Requests via email and app are free. Physical copies from shops might incur a small fee.

Can I get a statement for a number that is not mine?
No, only the registered user of the M-PESA number can request statements for it.

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