1. Dial *346# on your phone.
2. Reply by Entering your MSACCO PIN number(If you dont have MSACCO PIN, it will be sent to you on SMS. Enter the start pin and you will be required to enter your secret PIN and confirm your PIN.)
3. Reply Option I to withdrawal from M-PESA.
4. Select the A/C number to withdraw from (DO NOT TYPE THE A/C NUMBER).
5. Reply by selecting option 1.
6. Enter the amount to withdraw.
7. Wait for the Confirmation from M-PESA.