<h2>Step-by-Step Process of Withdrawing Cash from M-Pesa at an ATM</h2>
<h3>Step 1: Phone Process - Generate Authorization Code</h3>
<p>You can generate the authorization code using any of the following methods:</p>
<h4>Method 1: SIM Toolkit (STK)</h4>
<ol>
<li><strong>Access M-Pesa Menu</strong>
<ul>
<li>Go to your phone's main menu</li>
<li>Select M-Pesa from SIM toolkit</li>
</ul>
</li>
<li><strong>Navigate to ATM Withdrawal</strong>
<ul>
<li>Select withdraw from ATM</li>
</ul>
</li>
<li><strong>Enter Details</strong>
<ul>
<li>Enter ATM number (displayed on the ATM)</li>
<li>Enter your M-PESA PIN</li>
</ul>
</li>
<li><strong>Receive Code</strong>
<ul>
<li>You will receive SMS notification from M-PESA with a 6-digit authorization code</li>
</ul>
</li>
</ol>
<h4>Method 2: USSD (*334#)</h4>
<ol>
<li><strong>Dial USSD Code</strong>
<ul>
<li>Dial *334# from your registered Safaricom line</li>
</ul>
</li>
<li><strong>Select Withdrawal Option</strong>
<ul>
<li>Choose "Withdraw Cash" from the menu</li>
<li>Select "Withdraw from ATM"</li>
</ul>
</li>
<li><strong>Provide Information</strong>
<ul>
<li>Enter the ATM number</li>
<li>Enter your M-Pesa PIN</li>
</ul>
</li>
<li><strong>Get Authorization Code</strong>
<ul>
<li>Receive 6-digit code via SMS</li>
</ul>
</li>
</ol>
<h4>Method 3: M-Pesa Super App</h4>
<ol>
<li><strong>Open the App</strong>
<ul>
<li>Launch the M-PESA Super App</li>
</ul>
</li>
<li><strong>Navigate to Withdrawal</strong>
<ul>
<li>Select "Withdraw" from the home screen</li>
<li>Choose "Withdraw from ATM"</li>
</ul>
</li>
<li><strong>Complete Details</strong>
<ul>
<li>Enter ATM number</li>
<li>Input withdrawal amount</li>
<li>Authenticate with PIN or biometrics</li>
</ul>
</li>
<li><strong>Receive Code</strong>
<ul>
<li>Get authorization code via SMS</li>
</ul>
</li>
</ol>
<h4>Method 4: My Safaricom App</h4>
<ol>
<li><strong>Launch App</strong>
<ul>
<li>Open My Safaricom app</li>
</ul>
</li>
<li><strong>Access M-Pesa Services</strong>
<ul>
<li>Go to M-Pesa tab</li>
<li>Select "Withdraw from ATM"</li>
</ul>
</li>
<li><strong>Enter Information</strong>
<ul>
<li>Provide ATM number</li>
<li>Enter your M-Pesa PIN</li>
</ul>
</li>
<li><strong>Get Code</strong>
<ul>
<li>Receive 6-digit authorization code</li>
</ul>
</li>
</ol>
<h3>Step 2: ATM Process - Complete Withdrawal</h3>
<ol>
<li><strong>Locate M-Pesa Option</strong>
<ul>
<li>Select the M-PESA button on the ATM</li>
</ul>
</li>
<li><strong>Choose Language</strong>
<ul>
<li>Select your preferred language</li>
</ul>
</li>
<li><strong>Enter Authorization Code</strong>
<ul>
<li>Enter the 6-digit ATM Authorization code on the ATM Keyboard</li>
</ul>
</li>
<li><strong>Provide Phone Number</strong>
<ul>
<li>Enter your Safaricom mobile number</li>
</ul>
</li>
<li><strong>Specify Amount</strong>
<ul>
<li>Enter the amount you wish to withdraw</li>
<li>Press continue to proceed with transaction</li>
</ul>
</li>
<li><strong>Complete Transaction</strong>
<ul>
<li>The ATM will dispense your cash and issue you with a receipt</li>
<li>You will also receive an SMS from M-PESA confirming the transaction</li>
</ul>
</li>
</ol>

<h2>Important Time Constraints</h2>
<h3>Authorization Code Expiry</h3>
<p>Note: The code expires after 10 minutes, and you will be expected to initiate the transaction afresh if you wish to withdraw money again.</p>
<p><strong>Critical Points:</strong></p>
<ul>
<li>You have only 10 minutes to use the authorization code</li>
<li>If the code expires, you must generate a new one</li>
<li>Complete the ATM transaction quickly after receiving the code</li>
<li>Plan to be at the ATM before generating the code</li>
</ul>

<h2>Transaction Limits and Restrictions</h2>
<h3>ATM Withdrawal Limits</h3>
<ul>
<li><strong>Minimum Withdrawal:</strong> The minimum you can withdraw from Mpesa ATM is Kshs 200</li>
<li><strong>Maximum Daily Limit:</strong> Ksh 40,000 per day</li>
<li><strong>Transaction Range:</strong> Withdrawals vary from Kes 200-Kes 40,000 depending on the ATM</li>
<li><strong>Multiple Withdrawals:</strong> You are allowed to make multiple cash withdrawals from the ATM</li>
</ul>
<h3>Account Balance Requirements</h3>
<ul>
<li>Ensure sufficient M-Pesa balance plus transaction fees</li>
<li>Account must be active and in good standing</li>
<li>Daily transaction limits apply across all M-Pesa services</li>
</ul>

Withdraw M-Pesa cash from an ATM without a card or bank account. Learn the simple, two-step process to get your money 24/7 at thousands of participating ATMs across Kenya.

How to Withdraw Cash from M-Pesa at an ATM

How the Service Works

Step 1: The Phone Process

Step 2: The ATM Process

Prerequisites

1. Account Requirements

2. ATM Compatibility

3. Technical Requirements

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