Most M-PESA fraud works by tricking you into sending money or revealing your PIN. Safaricom will never ask for your PIN, and genuine M-PESA messages come only from MPESA, not from a phone number.
Common scams
| The scam | How it works | What to do |
|---|---|---|
| "I sent money to you by mistake" | You get a fake SMS from a normal phone number, then a call asking you to send it back. | Check your actual M-PESA balance. Tell them to reverse it through Safaricom. Don't send anything. |
| Fake customer care | A caller says your line will be blocked or you've won a prize, and asks for your PIN or a code. | Hang up. Safaricom never asks for your PIN. |
| "You've won a promotion" | You're asked to pay a "fee" to receive a prize. | Real promotions don't ask you to pay. Ignore it. |
| Fake job or loan offers | You're asked for a "processing" or "registration" fee first. | Don't pay fees to get a job or loan from strangers. |
| SIM swap | A fraudster takes over your number to reach your M-PESA and bank. | If your phone suddenly shows "No service", call Safaricom from another phone at once. |
Report fraud
- Forward the scam SMS to
333. It's free, and Safaricom uses the reports to block fraudsters' numbers. - If you lost money, call Safaricom customer care straight away with the transaction code, and report to the police.
Tip: Add a PIN to your SIM card and never write your M-PESA PIN on your phone or ID. Change your PIN if you think anyone has seen it.
Teach your family
Older relatives and young people are common targets. Share the rule: never share your PIN, never send money back without checking your balance, and hang up on anyone asking for codes.
Steps, fees and websites change from time to time. This guide was last checked on 12 November 2026. Before you pay or submit anything, confirm the details on the official website (Safaricom security tips). Never share your PIN or passwords with anyone who calls or texts you.