Before installing the M-PESA app, you need to know whether your smartphone meets the system requirements. The app only works on devices running at least Android 4.4 or iOS 9, with an active M-PESA account linked to your SIM card and mobile data turned on during the first sign-in. Without these basics, the installation will fail or the app won’t function properly.
Mobile money has become a lifeline in Kenya and beyond, and Safaricom’s M-PESA app takes convenience even further by offering features like biometrics, detailed statements, and offline mode. But here’s the catch: not every phone can run it smoothly. Imagine downloading the app, only to discover it won’t open on your device — frustrating, right? That’s why checking the requirements first saves time and prevents headaches.
Minimum Device and Software Requirements
To use the M-PESA app successfully, your smartphone must meet certain baseline requirements. These ensure smooth performance, proper security, and compatibility with Safaricom’s systems.
The app works on:
- Android devices running version 4.4 (KitKat) or higher.
- iOS devices running version 9 or higher.
If your phone is on an older operating system, you’ll either need to update it (if possible) or consider a device upgrade. Using outdated software not only blocks you from installing the app but may also expose you to security risks.
Another important requirement is that your device must not be rooted (Android) or jailbroken (iOS). Rooted and jailbroken devices compromise the security features built into the app, which could put your financial data at risk. For safety reasons, Safaricom prevents the M-PESA app from running on such devices.
Here’s a quick table summarizing the minimum requirements:
| Requirement | Android Devices | iOS Devices |
| Operating System | Android 4.4 or higher | iOS 9 or higher |
| Device Condition | Not rooted | Not jailbroken |
| SIM Card | Safaricom SIM with M-PESA | Safaricom SIM with M-PESA |
| Connectivity (first login) | Mobile data required | Mobile data required |
Meeting these requirements ensures the app installs correctly and functions as intended. It also guarantees that you can enjoy secure features such as biometric login, offline mode (Android only), and full access to transactions without limitations.
Connectivity and First-Time Setup
Getting started with the M-PESA app requires more than just installing it. The first time you log in, the app needs to verify your details and securely connect your SIM card to your M-PESA account. For this reason, you must have mobile data turned on during the initial sign-in. Wi-Fi alone will not work at this stage because the app uses Safaricom’s mobile network to authenticate your SIM card.
Once your account is verified and setup is complete, you can continue using the app on Wi-Fi or mobile data. In fact, Safaricom allows free data usage for M-PESA app transactions, which means you won’t be charged when sending money, paying bills, or checking balances.
During the first setup, you’ll also need to:
- Accept the Terms & Conditions and Privacy Policy before proceeding.
- Enter your M-PESA PIN to confirm your identity.
- Optionally, enable biometrics (fingerprint or Face ID) for quicker and more secure logins in the future.
- Choose whether to set a profile picture to help others recognize you when sending money.
It’s worth noting that if your phone does not have the Safaricom SIM card linked to your M-PESA account inserted, you will not be able to sign in. Similarly, incorrect PIN entry will stop you from completing setup.
Security and Device Integrity
The M-PESA app handles sensitive financial transactions, so maintaining strict security standards is essential. Safaricom has built safeguards to ensure only secure, uncompromised devices can run the app.
Here are the key security requirements:
- No Rooted or Jailbroken Devices
- Rooted (Android) or jailbroken (iOS) phones bypass built-in security layers.
- Using such devices exposes you to risks like data theft, malware, and unauthorized access.
- The M-PESA app blocks installation or login on these devices for your protection.
- Mandatory PIN Authentication
- Your M-PESA PIN remains the primary method of authentication.
- The app automatically validates the PIN after entry, without needing extra confirmation.
- This ensures faster and secure logins.
- Biometric Login Option
- Fingerprint or Face ID can be enabled after the first login.
- Biometrics speed up sign-in and transaction approvals while keeping your account safe.
- Safaricom relies on your device’s built-in biometric technology — your data never leaves your phone.
- Permissions and Profile Management
- Camera and gallery access may be required if you want to set a profile picture.
- Permissions for SMS (on Android) are necessary if you plan to use Offline Mode, which enables transactions without internet.
- Data Encryption and Privacy
- All transactions are encrypted, keeping your financial information private.
- You must accept Safaricom’s Terms & Conditions and Privacy Policy before using the app.
In short, M-PESA enforces strict device integrity checks to keep your money and data safe. By using a secure device, strong PIN, and enabling biometric login, you significantly reduce the risk of fraud or unauthorized access.
Offline Mode and Compatibility
One of the standout features of the M-PESA app is its Offline Mode, designed for times when you don’t have internet access. This feature, however, is only available on Android devices and requires SMS permissions to function.
How Offline Mode Works
- Uses silent SMS to process transactions when mobile data or Wi-Fi is unavailable.
- Still requires the Safaricom SIM card linked to your M-PESA account to be in the device.
- Can be enabled during first login, at subsequent logins, or within the Account tab in settings.
Supported Offline Transactions
When enabled, you can perform most day-to-day M-PESA activities, such as:
- Sign in to the app
- Check your M-PESA balance
- Send money (excluding GIFs and notes)
- Withdraw at an agent or ATM
- Pay bills
- Buy goods and services
- Buy airtime
- Reverse transactions
Transactions Not Supported Offline
Some features require an internet connection and won’t work in Offline Mode:
- Advanced financial services (like Grow tab products)
- Exporting statements
- Setting up profile pictures or biometrics
- Using the Discover tab
Quick Reference Table
| Feature/Transaction | Available in Offline Mode? |
| Send Money | ✅ Yes (basic only) |
| Withdraw (Agent/ATM) | ✅ Yes |
| Buy Airtime | ✅ Yes |
| Pay Bill / Buy Goods | ✅ Yes |
| Reverse Transaction | ✅ Yes |
| Statements Export | ❌ No |
| Discover / Grow Tabs | ❌ No |
| Profile Picture Setup | ❌ No |
With Offline Mode, Android users enjoy uninterrupted access to essential transactions even in areas with poor internet coverage. However, iOS users currently need internet access at all times.
Common Errors and Troubleshooting Tips
Even if your device meets the requirements, you might still face issues during installation or login. Knowing the most common errors and how to solve them will save you frustration.
Common Errors and Fixes
- App won’t install
- Check that your device runs Android 4.4+ or iOS 9+.
- Ensure your phone is not rooted or jailbroken.
- Download only from the Google Play Store or Apple App Store to avoid corrupt files.
- Can’t log in on first attempt
- Make sure your Safaricom SIM card is in the device.
- Turn on mobile data — Wi-Fi won’t work for first-time setup.
- Recheck your M-PESA PIN; it must be entered correctly to proceed.
- Error during transactions
- Confirm you have sufficient balance or Fuliza credit.
- Verify your internet connection if you’re not using Offline Mode.
- Retry the transaction; if the issue persists, contact Safaricom support.
- Biometrics not working
- Ensure biometrics are enabled in your phone settings.
- Re-enable biometrics in the Account tab within the app.
- Permissions denied
- If you accidentally denied permissions (like Contacts, Camera, or SMS), go to your phone’s App Settings and re-enable them.
When to Contact Support
If you’ve tried the steps above but still face issues:
- Visit the nearest Safaricom Shop for in-person help.
- Email support at mpesappfeedback@safaricom.co.ke with details of the error.
- Use the in-app Help & FAQs section for quick solutions.
Conclusion
Before installing the M-PESA app, it’s essential to confirm that your device meets the minimum system requirements. A supported Android (4.4+) or iOS (9+) device, an active Safaricom SIM card, and mobile data for the first login are all non-negotiable. Beyond installation, keeping your device secure, enabling biometrics, and making use of Offline Mode (for Android users) ensures smoother, safer transactions.
The M-PESA app is more than just a mobile wallet — it’s a powerful tool for managing money, paying bills, and accessing financial services with convenience. By understanding and meeting the requirements upfront, you avoid unnecessary frustrations and unlock all the features designed to simplify your financial life.
Frequently Asked Questions About M-PESA App System Requirements
What are the minimum system requirements for the M-PESA app?
You need Android 4.4 or higher or iOS 9 or higher. Your phone must not be rooted or jailbroken, and you need a Safaricom SIM card linked to an active M-PESA account.
Can I use Wi-Fi to log in for the first time?
No. The first login requires mobile data to verify your SIM card and M-PESA account. After that, you can use either Wi-Fi or mobile data.
Does the M-PESA app work on rooted or jailbroken devices?
No. For security reasons, the app cannot be installed or used on rooted (Android) or jailbroken (iOS) devices.
Is Offline Mode available on iPhones?
No. Offline Mode is currently an Android-only feature. iPhone users must stay connected to the internet to transact.
What should I do if I get an error during a transaction?
Check your balance or Fuliza credit, ensure you have a stable internet connection, and re-enter your PIN correctly. If the error persists, contact Safaricom support.
Do I have to allow the app to access my contacts or camera?
Not always. Contacts access makes sending money easier, while camera access is only needed if you want to set a profile picture or scan QR codes.
Where can I get help if my device meets the requirements but the app still won’t work?
You can visit a Safaricom Shop, email mpesappfeedback@safaricom.co.ke, or check the in-app Help & FAQs section for guided support.
