M-sawa is a mobile phone account from Post Bank. You can open M-sawa Account on your phone , you don't have to visit the bank.

Through Msawa account , you can deposit, withdraw or check account balance anywhere anytime through your phone.
All you need to have to register the account is your ID and your registered MPESA number.

How To Open / Register M-sawa Account


  • On your phone open MPESA menu
  • Select Lipa na MPESA
  • Choose PAYBILL
  • Enter Business number: 200999
  • On Account number, enter the letters ID followed by your National ID number e.g ID12345678 without any space
  • Enter the amount of money you wish to deposit to your M-sawa account
  • Enter MPESA pin
  • Confirm and press OK.
Once your Identification details are verified you will receive a confirmation message from post bank confirming your Account number and pin.

How To Deposit To M-sawa account from Post Bank

  • Open MPESA menu
  • Select PAYBILL
  • Enter Business number : 200999
  • Enter your M-sawa account as the account number
  • Enter amount you wish to deposit
  • Enter MPESA pin , confirm and press OK.
You will receive a notification from both MPESA and Post Bank for the transaction.

How To Withdraw From M-sawa account from Post Bank

You can easily withdraw from M-sawa account on your mobile phone by dialing *498# and follow the simple steps to withdraw your money to your MPESA account.


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