How to Withdraw Money from Pochi la Biashara in Kenya
Pochi la Biashara is a special feature offered by Safaricom’s M-PESA service to help small business owners manage their income separately from their personal funds. It’s designed for individuals like small-scale traders, kiosk owners, boda boda riders, and other informal businesses who don’t necessarily need a till number or full business account.
If you’re wondering how to withdraw money from Pochi la Biashara, this guide breaks it down step by step.
What is Pochi la Biashara?
Before diving into withdrawals, it’s helpful to understand what Pochi la Biashara is. This service allows customers to pay businesses directly without affecting the business owner’s personal M-PESA balance. The business owner can still access the funds in their Pochi la Biashara wallet and manage them separately.
Benefits include:
- Receipts for payments
- Clear separation between personal and business funds
- Ability to track sales more efficiently
- No need for a till number
How to Withdraw Money from Pochi la Biashara
You can withdraw money from Pochi la Biashara in three main ways:
1. Transfer to Your Personal M-PESA Wallet
This is the most common method. Once the money is in your Pochi la Biashara, you can transfer it to your normal M-PESA wallet, then withdraw at an agent or use it for other M-PESA services.
Steps:
- Dial
*334#on your Safaricom line. - Select Pochi la Biashara (usually option 8).
- Choose Withdraw Funds.
- Select To My M-PESA.
- Enter the amount you wish to transfer.
- Confirm the transaction with your M-PESA PIN.
After this, the funds will be in your personal M-PESA account, and you can withdraw them at any M-PESA agent.
2. Use the Money Directly Without Withdrawing
Sometimes, you may not need to withdraw the money at all. From your Pochi la Biashara, you can:
- Buy airtime
- Pay bills (via PayBill)
- Send money to other M-PESA users
- Pay for goods and services
This reduces the need to withdraw cash physically.
3. Visit an M-PESA Agent (After Transfer)
Once you have transferred money from Pochi la Biashara to your personal M-PESA wallet:
- Go to any authorized M-PESA Agent.
- Provide your Safaricom number and show ID if asked.
- Tell the agent how much you want to withdraw.
- Confirm the agent’s number on your phone when prompted.
- Enter your PIN and collect your cash.
Helpful Tips
- Ensure your SIM card is registered under your name.
- Always check your balances using
*334#→ Pochi la Biashara → Check Balance. - You cannot directly withdraw from Pochi at an agent—you must first move the money to your M-PESA wallet.
- There are no extra charges for moving money from Pochi la Biashara to your personal wallet.
Need Help?
If you experience any issues while withdrawing, contact Safaricom customer care via:
- 100 (from your Safaricom line)
- Safaricom App (chat support)
- Visit a Safaricom shop near you
Final Thoughts
Pochi la Biashara is a powerful tool for small business owners in Kenya who want to simplify their business transactions. Learning how to withdraw money properly ensures you can manage your income easily and securely.
Whether you’re selling eggs in Gikomba, operating a boda boda in Kisumu, or running a food kiosk in Nakuru — Pochi la Biashara puts control and clarity at your fingertips.
Read also: Jinsi ya Kuomba Mkopo ESS Utumishi (Mfumo wa Employee Self Service)