M-PESA, Kenya’s leading money transfer service, has not only the widest network of agents country wide, but also more option’s when it comes to ATM withdrawal.

M-PESA users have the option of withdrawing from the following ATM centers:

• PesaPoint ATM’s
• Equity Bank Branches ATM’s
• Diamond Trust Bank ATM’s

Below is a comparison between M-PESA Agents and ATM’s withdrawal rates, it can also serve as a guide to cash withdrawal rates:

First on Your Phone:

• Select ‘ATM Withdrawal’ from the M-PESA menu
• Enter PesaPoint’s Agent Code (555 555) or Equity Bank Code (286286) or Diamond Trust Code (555 555)
• Enter your M-PESA PIN
• You will receive an SMS notification from M-PESA with 6 digit authorizing code

Then on the ATM

• Select the M-PESA button on the PesaPoint, Equity Bank or Diamond Trust Bank ATM
• Select preferred language
• Enter the 6-digit ATM Authorizing Code on the ATM keyboard
• Enter your Safaricom mobile number
• Enter the amount you wish to withdraw, press Continue to proceed with transaction
• ATM will dispense your cash and issue you with a receipt. You will also receive an SMS from M-PESA confirming the transaction.

Edit: The maximum amount you can withdraw from PesaPont ATM and Diamond Trust Bank ATM is KES 20,000, while the maximum you can withdraw from Equity Bank ATM is KES 35,000.