How to Get Your M-Pesa Statement (2026): *334#, App, Password and Excel

To get your M-Pesa statement, dial *334#, choose My Account, then M-PESA Statement, pick the period, enter your email address and confirm with your M-Pesa PIN. You can also request it in the M-PESA app. Safaricom emails the statement as a PDF and sends the password by SMS to your registered number. Self-service covers periods of up to two years; older statements are handled at a Safaricom Shop.

Once you have it, our free M-Pesa statement analyzer reads the PDF on your phone (nothing is uploaded) and shows your real income, what M-Pesa charges and Fuliza cost you, and possible tax reliefs, and can turn the statement into Excel.

How to get your M-Pesa statement on *334#

1. Dial *334# on the Safaricom line registered for M-Pesa.
2. Choose My Account.
3. Choose M-PESA Statement.
4. Pick the period you want. For a loan application, six months is a safe choice.
5. Enter the email address the statement should go to.
6. Confirm with your M-Pesa PIN.

Safaricom then emails the PDF and sends the password in a separate SMS.

How to get it in the M-PESA app

Open the M-PESA app, go to Statements, choose the period and request the full statement to your email. As with *334#, it arrives as a password-protected PDF and the password comes by SMS.

For your last few transactions only, the mini statement is quicker: it comes straight to your phone by SMS, with no email needed.

What is the M-Pesa statement password?

It's a one-time code Safaricom sends by SMS to your M-Pesa number when you request the statement. It is not your M-Pesa PIN and not your ID number. Safaricom generates a different password for every statement, so the code from an old statement won't open a new one (People Daily). The protection keeps your transactions private if the email is forwarded or your inbox is opened by someone else.

The password SMS didn't come

• Check that messages from SAFARICOM aren't blocked on your phone, and that promotional messages are allowed.
• Request the statement again: a new request comes with a new password.

I can't find the email

Look in your spam or junk folder, then check that you typed the email address correctly in the request (People Daily).

How far back can you get an M-Pesa statement?

Through *334# and the app you can request periods of up to two years. Older statements, or statements needed for court, go through a Safaricom Shop after your identity is checked.

What to do with your M-Pesa statement

Most people request a statement for one of four reasons. Here's what to look for in each case.

1. A loan or SACCO application

Lenders read a statement for regular income, spending, the balance you usually keep and how often you borrow. Heavy Fuliza use or many mobile loans tell them you run short before payday. The statement analyzer gives a loan-ready monthly summary that leaves out Fuliza, loans and money you moved from your own bank, so the income you show is the income you really earn.

2. Checking what M-Pesa costs you

Every send, withdrawal and paybill payment has a charge, listed as a separate "Charge" row in your statement. Fuliza adds a fee inside each repayment. Our M-Pesa charges guide and Fuliza charges guide explain the tariffs. The analyzer adds up what you actually paid over the period, and what that comes to over a year.

3. Your KRA tax return

• Possible reliefs: if you pay life, education or health insurance premiums by M-Pesa, insurance relief is 15% of premiums, up to KES 5,000 a month. SHIF, pension, post-retirement medical fund and mortgage interest payments are deductible within limits (KRA). The statement shows what you paid; claim with the certificate from the insurer, scheme or lender.
• eTIMS: from 1 January 2026, KRA checks the business expenses in your return against eTIMS invoices (KPMG). Use your statement to list each supplier you paid for your business, then collect an eTIMS invoice from each. Our guides on eTIMS registration and filing KRA returns cover the rest.

4. Budgeting

Sorting a month of transactions by hand takes hours. Grouping them by who you paid (supermarkets, fuel, KPLC, school fees, people you send money to) shows where the money goes in minutes.

How to convert your M-Pesa statement to Excel

The statement is a PDF, and copying from it into Excel scrambles the columns. The M-Pesa statement analyzer reads the PDF and gives you an Excel file with one row per transaction: date, receipt number, details, who you paid, a category, paid in, withdrawn and balance. It also adds a tag column (business, personal, own money, loan) with monthly and category totals that update when you change a tag. It checks its totals against the "Paid in" and "Withdrawn" totals printed in your statement's summary, so you know every row was read.

Is it safe to share your M-Pesa statement?

Your statement shows who you pay, who pays you and how much. Only send it to a lender or adviser you trust, and never share your M-Pesa PIN: no statement tool, lender or Safaricom agent needs it. Tools that ask you to upload the statement to their servers keep a copy. SwiftPesa's analyzer reads the PDF inside your own browser instead, and nothing in the statement is sent anywhere.

Frequently asked questions

How do I get my M-Pesa statement for 6 months?

Dial *334#, choose My Account, then M-PESA Statement, choose the six-month period, enter your email and confirm with your PIN. The PDF comes to your email and the password by SMS.

Can I get an M-Pesa statement for another number?

No. You request a statement from the phone line registered to that M-Pesa account and confirm it with that account's PIN. The account owner has to request it.

Why won't my M-Pesa statement open?

Use the password from the SMS for that statement: each statement has a new one. If it still won't open, request the statement again and use the new password.

Can I get an M-Pesa statement for more than two years?

Self-service (*334# and the app) covers up to two years. For older periods, visit a Safaricom Shop with your ID.