T-Kash mobile money solution by Telkom features and benefits

What is T-Kash?

T-Kash is a Mobile Financial Service owned by Telkom Kenya LTD that offers a wide range of cross-functional solutions for consumer and enterprise markets.
The service allows customers to:
Deposit money to a customer wallet through an authorized T-Kash Agent.
Sending money conveniently across all networks from your mobile number to any other number.
Withdrawing money from any authorized T-Kash Agent.
Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
Paying utility bills and goods and services at T-Kash registered merchants.

What can I do with T-Kash?

The service allows customers to:
Deposit money to a customer wallet at an authorized T-Kash Agent.
Sending money conveniently across all networks from your mobile number to any other number.
Withdrawing money from any authorized T-Kash Agent.
Topping up airtime for your Telkom Kenya mobile number or another customer’s number.
Paying utility bills and goods and services at T-Kash registered merchants.

Who is eligible to hold a T-Kash account?

Any individual with a minimum age of 18 has a valid government-issued ID. This applies to both prepaid and postpaid customers.

How many channels can I use to transact on T-Kash?

There are 3 channels to access the T-Kash menu:
SIM Tool Kit Menu
USSD (*160#)
T- kash App (Android & IOS)

Can I have more than one T-Kash account?

Yes. You can have a maximum of 2 T-Kash accounts.

What are the roles of a T-Kash Agent

T- kash Agent is a person or business that Telkom Kenya has officially appointed to help with the following:
Register customers for T-Kash service.
Facilitate cash deposits for T-Kash registered customers.
Process cash withdrawals for both T-Kash registered and non-registered customers.
Educate customers on compliance and how to use the service.
Sell Telkom airtime.
Act as the first point of contact for T-kash customers.

Can you send money to unregistered customers or customers of other networks using T-Kash?

Yes, you can send money to subscribers of other networks or unregistered customers.
The recipient will receive a one-time voucher from T-Kash with an 8-digit code which they will use when withdrawing money at a T- kash Agent.
The recipient has to withdraw the money from a T-Kash agent within 7 days, post 7 days; the money will be returned to the sender if not withdrawn by the recipient.

What are the steps for sending money to another mobile number?

Take the following steps to send money to another mobile number.
Go to your T-Kash menu.
Select “Send Money”.
Select “To Mobile”.
Enter Phone Number.
Enter Amount.
Enter T- kash PIN.
A confirmation screen will show the person’s details and amount to be transferred (e.g. Send Money to 0777 XXX XXX, amount KSh XXX, Transaction Fee KSh XX). After confirmation, press OK to process the transaction.
You will receive a confirmation SMS from T- kash

What are the steps for buying Airtime?

Steps:
Go to T- kash Menu and select “Buy Airtime.”
Select your preferred option.
My phone (Your Telkom Line).
Other Phone (Another Telkom Line).
Enter Amount.
Enter T- kash PIN.
Confirm.
If successful, you will receive an SMS from T-Kash confirming the transaction and another from the network confirming that top-up.

What are the steps for Withdrawing Money from an Agent for T-Kash Registered customers?

You must present an original identification document to make a customer withdrawal.
Steps:
Visit the nearest T-Kash Agent.
Confirm the T-Kash Agent has sufficient funds to process your transaction.
Give the Agent your original identification document.
Go to your T-Kash menu and select ‘Withdraw Cash’.
Select ‘From Agent’.
Enter the Amount & confirm the details.
Enter your T-Kash PIN and press Send.
You will receive an SMS from T- kash with a T-Kash Code.
Give the Agent your T-Kash Code.
The Agent will process your withdrawal request, and you will receive a confirmation SMS from T- kash.
The Agent will issue cash and request you to sign the customer transaction logbook.

Can I link my Bank account with T-Kash?

You can transfer money from your T-Kash account to your bank and vice versa.
Please note that you must visit the T-Kash partner bank and register for mobile banking to allow bank-to-T-Kash transfers.

Want to become a T-Kash Agent? Here are the requirements and benefits

How often can I change my PIN, and how much does it cost?

You can always change your PIN if you suspect a vulnerability with your account.
There is no limit to how many times you can change your PIN.
It’s FREE to change your PIN.

What happens if I fail to get an SMS after transacting on T-Kash?

This scenario rarely occurs. However, this could be due to the following reasons:
Your SMS inbox could be full, or you might have blocked SMSs from T- kash
T- kash platform could be having some delays

If I lose my Phone/SIM card, is there a risk of losing my money?

No, the E-value in your T- kash account is safe. No one can access your account unless they know your T- kash PIN. Your T- kash account will be available once you replace your SIM card.

What are the benefits of the T-Kash code?

You do not need an agent number to withdraw cash from a T- kash Agent.
If you visit an Agent with insufficient funds and have generated the T- kash Code, you can visit any other T- kash Agent near you to withdraw your cash.
Using the T-Kash Code reduces the time taken at the Cashier Point when buying goods and services.
The T- kash Code is not matched to any specific Agent outlet and thus can be used at any T-Kash Agent outlet.
The T- kash Code is unique and secure and can only be used once.
If you have money in your T- kash account, you can generate many codes until your account balance reaches zero balance.
The T- kash Code is generated when you want to withdraw cash at an Agent or ATM or when buying goods and services using your T-kash service.
You can generate the T-Kash Code for someone else to use to buy goods and services.
When you generate a T-kash code, you can redeem it partially at an Agent or Merchant outlet.
It is free to generate a T-Kash Code.
You do not need a Till number to pay for goods and services.
The T- kash code reduces errors since one cannot send e-money to the wrong till.
There is no need to wait for reversals as the agent can perform deposit reversals within 10 minutes.
T- kash code valid period is 10 minutes.
Generation of the T-Kash code does not mean a payment has been effected; the payment is effected when the code is redeemed at an agent/merchant outlet.
ATM transaction limits are a minimum withdrawal of KShs 200 and a maximum withdrawal of KShs 40,000.
Merchant transaction limits are a minimum payment of KShs 1 and a maximum payment of KShs 70,000.

What are the steps for sending money to another mobile number?

Dial *160# or Use the T-Kash APP
Select “Send Money”
Select “MPESA” or “AirtelMoney”
Enter “Phone Number”
Enter “Amount”
Confirm transaction
Enter T-Kash PIN
You will receive a confirmation SMS from T-Kash

What are the steps of buying Airtime?

Dial *160# or Use the T-Kash APP
Select “Buy Airtime”
Select “Buy My Phone” or “Other Phone”
Enter ”Telkom Number”
Enter “Amount”
Confirm transaction
Enter T-Kash PIN
You will receive a confirmation SMS from T-Kash

How many channels can I use to transact T-Kash?

There are 2 channels to access the T-Kash menu:

USSD (*160#)
T-Kash App (Android & IOS)

Do I need to pay service charges to register for T- kash?

No, it’s FREE to register on T-Kash. You will only be charged for transaction fees.

What documents are required during registration?

To register for T-Kash, you will be required to present one of the following original identification documents:

Kenyan National ID.
Valid Passport.
Alien ID.

After T-Kash registration, how do I activate my account?

After successful registration on T-Kash service, you will receive a welcome SMS message from T-Kash.
Account Activation Steps:
Dial *160#.
Enter your identification document number (The one used during registration).
Enter Date of Birth (Format: DDMMYYYY).
Create a new T-Kash PIN (4-digit number).
Re-enter the 4-digit PIN to confirm, upon successful confirmation, you will receive an SMS from T-Kash.
Confirm the details and press OK to submit the details to be processed.

Do I have to do a Menu Update for my Telkom SIM card to access the service?

No, go to your T-Kash Menu. It will have all the functionalities.

Am I required to maintain a minimum balance for my T-Kash Account?

No, you do not have to maintain any minimum balance.

Will I be able to use my T-Kash account while roaming?

Currently, this is not possible, but this feature will be available soon

What do I do if I send money erroneously to the wrong number?

T-Kash allows you to confirm payment recipient details BEFORE sending money. Before you input your PIN to send money, T-Kash will prompt you to confirm the payment recipient details.
However, in the event you send money to the wrong number, you need to take the following steps immediately:
Call T-Kash customer care by dialling 160.
Our customer care agents will verify and log in your claim.
The reversal will take a maximum of 1 working day.

Can I buy airtime for a prepaid account on any other network in Kenya?

You can only buy airtime for your Telkom Kenya Mobile or any other Telkom number.

Can the amount be reversed if I purchase Airtime instead of sending money?

Currently, we are unable to reverse airtime transactions. We usually advise our customers to individually follow up with the person they sent the money to.
Before you buy airtime, make sure you have entered the correct mobile number and that you are on the correct menu for ‘buy airtime’ on the T- kash menu.
Always confirm in the pop-up screen before submitting your request when buying airtime.

What are the steps for Withdrawing Money for T- kash Unregistered Customers?

You must present an original identification document to make an unregistered customer withdrawal.
Steps:

Confirm the T- kash Agent has sufficient funds to process your transaction.
Give the Agent your original identification document.
Give the Agent your phone number.
Give the Agent your T- kash voucher number.
The Agent will process your withdrawal request, and you will receive a confirmation SMS from T- kash.
Both the Agent and the Customer will receive an SMS confirming the transaction.
The agent will give you money and request you to sign the transaction logbook.

Can I buy Telkom Kenya Voice, SMS & Internet bundles using T-Kash?

As a registered T- kash Customer, you can buy easily buy voice, SMS and internet bundles from your wallet.
Steps:
Go to T- kash Menu and select ‘Buy Bundle’.
Select your preferred bundle.
Voice Bundle.
SMS Bundle.
International Bundle.
Mashariki Roaming Bundle.
Internet Bundle.
Enter T- kash PIN and Confirm.
You will receive an SMS from T- kash confirming the transaction and another from the network confirming bundle provisioning.
Please Note: You can only buy bundles for your Telkom line.

What do I do if I forget my PIN?

Take the following Steps:
Call T- kash customer care on 160 for FREE. The customer care agent will take you through security questions to confirm your identity. Upon positive confirmation of your identity, customer care will send you a new PIN.
You will be required to create a new PIN using the following steps.
Go to your T- kash Menu.
Select ‘My Account’.
Select ‘Change PIN’.
Enter current PIN.
Enter a New PIN.
Enter the New PIN again.
You will get a confirmation SMS from T- kash.