Simple as moving the cash in your wallet into a friend’s wallet, except it is simpler because you do not have to be in the same place this time, sheer magic
Dial *111# to access My phone menu
Select option 4
Select option 2
Choose option 1
Enter Cell number of the person you wish to send money
Enter Amount you wish to send
Enter payment reference of your choice, e.g. your name
Enter your 4 digit PIN
You will immediately receive an SMS “you have successfully sent M**.00 M-Pesa to *cell number*, your balance is now M**.00”
*Please note that minimum transaction amount is M10.00