5 simple steps to send or withdraw money using Vodafone m-pesa


vodaM-Pesa is a mobile money transfer service provided by Vodafone in associated with ICICI bank, this SMS based service allows the Vodafone users to load, send and withdraw money at any time. Vodafone prepaid and postpaid users above 18 years can avail this facility by submitting valid address proof and Photo identity proof. M-pesa users can send money to any mobile number in India.

How to open M-pesa account?

Vodafone user’s needs to submit duly signed account opening form with 2 latest passport size photographs with address and identity proofs.

Vodafone user’s have to deposit INR100 as an account opening amount, in that Rs.75 will be deducted as account activation charges and 25 will be a initial amount for the future transactions.

After the initial verifications and KYC, the Vodafone users will receive 4 digit confidential key via SMS. 


Simple steps to send or withdraw money using m-pesa

Step 1: M-pesa users dial *400# from their registered Vodafone number

Step 2: Main selection menu where they will have following options

  • Send/Withdraw money
  • DTH/prepaid recharge
  • Bill Payment including Vodafone postpaid payment
  • User account

Step 3: Select either “send to any mobile number” or “withdraw” from the interface

Step 4: If you are sending the amount, enter the recipients mobile number and the amount to transfer; For the withdrawal – enter the amount and input the nearest m-pesa agent number (Find your nearest agent number under “User account” option using your pin code)

Step 5: Enter the amount to transfer or withdraw using your unique 4 digit m-pesa PIN.

The m-pesa users will receive a confirmation email via SMS; For withdrawal, they can collect the money from the nearest agent.

Charges related to m-pesa

Amount (INR) Send money – registered users and bank accounts Send money – Unregistered users Charges on withdrawal
1 to 25 1 2 1
26 to 50 2 4 2
51 to 100 4 7 3
101 to 250 6 14 5
251 to 500 10 25 10
501 to 1000 20 45 18
1001 to 2000 40 80 30
2001 to 3500 60 130 50
3500 to 5000 80 180 75


If you have any doubts regarding Vodafone M-pesa, kindly leave as comments. We would try our level best to address those.

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  1. bharagav says

    Hello can i transfer money to my bank ac from m pesa

    1. Mohammad Ali says

      You need to register for “mobile banking” or “internet banking” with your bank to get the USSD number, this code allows you move money from your bank account into your M-PESA account.