Securing your M-PESA account is crucial to protect your finances and personal information. Safaricom offers several enhanced security features to ensure your account remains safe. Here’s how you can utilize these features:
Set Up M-PESA Security Questions
Security questions add an extra layer of authentication, especially if you forget your M-PESA PIN. To set them up:
- Dial *334#.
- Select “My Account.”
- Choose “M-PESA PIN Manager.”
- Select “Set M-PESA PIN Security Questions.”
- Enter your Identification or Passport Number.
- Choose three security questions and provide answers.
- Confirm your selections and enter your M-PESA PIN.
You will receive a confirmation message upon successful setup.
Use Biometric Authentication on the M-PESA App
The M-PESA App supports biometric authentication, allowing you to log in and transact using facial recognition or fingerprints:
- Download and install the M-PESA App from your device’s app store.
- Upon first login, accept the terms and conditions and authenticate using your M-PESA PIN.
- Enable biometric authentication in the app settings.
This feature enhances security by reducing reliance on PINs.
Regularly Change Your M-PESA PIN
Changing your M-PESA PIN periodically helps maintain account security:
- Go to the M-PESA menu on your phone.
- Select “My Account.”
- Choose “Change PIN.”
- Follow the prompts to set a new PIN.
Ensure your new PIN is unique and not easily guessable.
Utilize the ‘Hakikisha’ Feature
Before completing a transaction, M-PESA’s ‘Hakikisha’ feature allows you to confirm the recipient’s name:
- After entering the recipient’s number and amount, a prompt will display the recipient’s name.
- Confirm the details before finalizing the transaction.
This reduces the risk of sending money to the wrong person.
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Be Vigilant Against Fraudulent Communications
Safaricom will only contact you using the number 0722000000. If you receive suspicious calls or messages:
- Do not share your PIN or personal information.
- Report the incident by forwarding the message to 333.
- Contact Safaricom customer care for assistance.
Always verify the authenticity of communications claiming to be from Safaricom.
Monitor Your Account Activity
Regularly reviewing your M-PESA statements helps detect unauthorized transactions:
- Request stamped M-PESA statements via *334# or through the M-PESA App.
- Statements sent via email are password-protected for security.
Promptly report any discrepancies to Safaricom.