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How to Transfer Money from Safaricom M-PESA to Other Networks

Michael OwinobyMichael Owino
September 17, 2025
Reading Time: 5 mins read
Safaricom Ceo Peter Ndegwa During An Event To Celebrate Safaricom’s 24Th Birthday On October 23, 2024. Photo/ Safaricom

Safaricom CEO Peter Ndegwa during an event to celebrate Safaricom’s 24th birthday on October 23, 2024. PHOTO/ Safaricom

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M-PESA users may sometimes need to send money to other networks, especially when the recipient is not registered on M-PESA or does not use it for transactions.

Safaricom subscribers can send money to mobile networks such as Airtel (to Airtel Money), Telkom (to T-kash), or to Equity Bank accounts via Equitel lines.

However, some M-PESA users may find it difficult to navigate the process of transferring money to other networks.

This article explains how Safaricom M-PESA users can easily send money across different networks.

Sending Money via the Safaricom M-PESA USSD Menu to Airtel or Telkom

To send money from your Safaricom line to an Airtel or Telkom number using the M-PESA USSD menu, dial *334# and select “Send Money.”

From the options provided, choose “Send Money to Any Network.” Enter the recipient’s phone number and the amount you wish to send, then key in your M-PESA PIN to complete the transaction.


Also Read: How to Apply for M-PESA Till and Pay Bill Numbers


You will receive a Hakikisha prompt to confirm the details. Once you accept, the transfer will be finalized, and the recipient will receive the money in their Airtel Money or T-kash wallet.

Sending Money via the M-PESA App

To send money using the M-PESA App, start by opening the app on your phone and navigating to the “Send and Request” section.

Select “Send Money” and enter the recipient’s phone number or simply pick the contact from your phonebook. Next, type in the amount you want to send.

To complete the transaction, authenticate using your M-PESA PIN or biometric verification, such as fingerprint or face ID. Once confirmed, the money will be sent instantly to the recipient.

Transferring Money to Equitel

You can send money to an Equitel mobile number using Equity Bank’s M-Pesa Paybill number. The recipient’s Equitel number serves as the account number. 

  1. Go to your M-Pesa menu.
  2. Select “Lipa na M-Pesa.”
  3. Choose “Pay Bill.”
  4. For the Business Number, enter 247247.
  5. For the Account Number, enter the recipient’s Equitel phone number.
  6. Enter the amount.
  7. Enter your M-Pesa PIN and confirm the transaction

Alternatively, Safaricom users can use the MySafaricom App. You can send money from your M-PESA account to Airtel Money and Telkom T-Kash users through the MySafaricom App.


Also Read: How to Reverse an M-PESA Transaction Error


To send money to other networks using the MySafaricom App, follow these steps:

  1. Launch the MySafaricom App.
  2. Select “Send Money”.
  3. Enter the recipient’s phone number (from your contacts or by typing it).
  4. Enter the amount you wish to send.
  5. You will receive a confirmation prompt to proceed with the PIN transaction. Select send.
  6. Complete the transaction using your M-PESA PIN or biometric authentication.
  7. You will receive an SMS confirming the successful transfer of funds. 

The money will be credited directly to the recipient’s Airtel Money or T-Kash mobile money wallet. 

Follow our WhatsApp Channel and X Account for real-time news updates.

A Customer Using The Safaricom Money Transfer Mobile App. Photo/Bd
A customer using the Safaricom money transfer mobile app. Photo/BD

Tags: M-PesaMoney Transferother networksSafaricom
Michael Owino

Michael Owino

Mr. Michael Owino is a Multimedia journalist and Voice Over artist with a Bachelor of Arts in Journalism and Mass Communication. He strives to bring stories to life through a variety of mediums. His primary interests lie in Technology and other human-interest stories.

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