How to Withdraw Cash from your Business M-Pesa TIll

How to Withdraw Cash from your M-Pesa Business TIll to Personal M-Pesa Account

Step-by-Step Transfer Process

How to Withdraw Cash from your M-Pesa Business TIll to Personal M-Pesa Account Using M-PESA Business App

1. Open M-PESA Business App
2. Log in with your credentials
3. Navigate to "Transact" tab
4. Select "Withdraw Money"
5. Choose "Send to M-PESA"
6. Enter your personal M-PESA number
7. Input withdrawal amount
8. Add reference/note (optional)
9. Review transaction details
10. Enter Business Till PIN
11. Confirm transaction
12. Receive confirmation SMS

How to Withdraw Cash from your M-Pesa Business TIll to Personal M-Pesa Account Using USSD *234#

1. Dial *234# from your nominated number
2. Select Option: "M-PESA Business Till"
3. Enter Store Number
4. Enter Business Till PIN
5. Select Option: "Withdraw Cash" or "Send Money"
6. Choose "Send to Phone Number"
7. Enter your personal M-PESA number
8. Input amount to transfer
9. Confirm transaction details
10. Enter PIN to complete
11. Wait for confirmation SMS

How to Withdraw Cash from your M-Pesa Business TIll from an M-Pesa Agent

Step-by-Step Agent Withdrawal

Documentation Needed:

• National ID: Original document used for business registration
• Business Registration: For larger withdrawals (may be required)
• Authorization Letter: If someone else is withdrawing on your behalf

At the Agent Location

1. Approach the Agent: Request business till withdrawal service
2. Provide Till Details: Give your business till number
3. State Withdrawal Amount: Specify exact amount needed
4. Agent Initiates Transaction: Agent enters details into system
5. Verification Process:
   • Agent may call your nominated number
   • You'll receive transaction prompt via SMS
   • Enter your Business Till PIN when prompted
6. Transaction Confirmation: Both parties receive confirmation
7. Receive Cash: Agent counts and hands over cash
8. Keep Receipt: Save agent receipt for records

Agent Withdrawal Limits

Daily Limits:

• Standard limit: KES 250,000 per day
• May vary based on agent cash availability
• Business verification may be required for large amounts

Transaction Limits:

• Maximum per transaction: KES 250,000
• Multiple transactions allowed within daily limit
• Agent discretion for very large withdrawals

How to Withdraw Cash from your M-Pesa Business TIll to your Bank Account - Real Time Settlement (RTS)

Bank Account Transfer - Real Time Settlement (RTS) Overview

What is RTS:

• Real-Time Settlement enables instant transfer from Business Till to bank accounts
• Available with 17+ partner banks in Kenya
• Professional banking integration for businesses
• Immediate availability of funds in bank account

Supported Banks:

• Equity Bank
• Kenya Commercial Bank (KCB)
• Co-operative Bank
• Diamond Trust Bank (DTB)
• NIC Bank
• Standard Chartered Bank
• Consolidated Bank
• CFC Stanbic Bank
• National Bank of Kenya
• Chase Bank
• Bank of Africa
• And more partner institutions

Setting Up Real Time Settlement (RTS)

Initial Setup Requirements

Bank Account Requirements:

• Active business bank account
• Account registered in same business name as Till
• Bank must be RTS partner
• Account in good standing

Registration Process:

1. Contact your bank to enable M-PESA RTS
2. Provide business details and M-PESA till information
3. Complete bank verification process
4. Receive RTS activation confirmation
5. Test with small transaction

Linking Bank Account to Till

Through Customer Care:

1. Call M-PESA Business support: 100 or 200
2. Request RTS setup for your business till
3. Provide bank account details
4. Complete verification process
5. Receive setup confirmation

Through Account Manager:

1. Contact your dedicated account manager
2. Submit RTS application form
3. Provide required documentation
4. Wait for approval and setup

Using Real Time Settlement (RTS) to Withdraw Cash from your M-Pesa Business TIll to your Bank Account using M-PESA Business App

1. Open Business App
2. Navigate to "Withdraw Money"
3. Select "Bank Transfer"
4. Choose your linked bank account
5. Enter withdrawal amount
6. Add transaction reference
7. Review and confirm
8. Enter Business Till PIN
9. Receive instant confirmation

Using Real Time Settlement (RTS) to Withdraw Cash from your M-Pesa Business TIll to your Bank Account using USSD *234#

1. Dial *234#
2. Access Business Till menu
3. Select "Withdraw to Bank"
4. Choose linked bank account
5. Enter amount
6. Confirm transaction
7. Enter PIN
8. Wait for confirmation

RTS Benefits and Considerations

Advantages:

• Instant availability: Immediate funds in bank account
• Professional records: Proper banking documentation
• Higher security: Reduced cash handling risks
• Integration ready: Easy accounting and reconciliation

Considerations:

• Setup required: Initial bank linking process
• Bank charges: Potential receiving bank fees
• Business hours: Some banks may have processing windows
• Minimum amounts: Some banks set minimum transfer amounts

How to Withdraw Cash from your M-Pesa Business TIll using ATM Services

ATM Withdrawal Process

For Direct Till ATM Access

1. Locate a compatible ATM
2. Select "M-PESA Services"
3. Choose "Business Till Withdrawal"
4. Enter your business till number
5. Input withdrawal amount
6. Enter Business Till PIN
7. Collect cash and receipt

For Personal M-PESA ATM Access

1. Transfer funds to personal M-PESA first
2. Use ATM M-PESA withdrawal service
3. Enter personal M-PESA number
4. Follow standard ATM prompts
5. Complete transaction