How to Get Your Pochi la Biashara Statement

Updated 18 October 2026

Your Pochi la Biashara statement is a record of every payment into and out of your business wallet. Tracking it helps you see which days are busiest, how much you really earn and where money goes. It also makes it much easier to get a loan, because lenders trust a stamped statement more than verbal claims about sales. You can get it free from *334# or the M-Pesa app. This guide explains how.

Method 1: Request a Statement on *334#

1. Dial *334#.
2. Select My Account, then M-Pesa Statement.
3. Choose Request Statement.
4. Pick the statement type and the period you need.
5. Enter your email address twice.
6. Enter your M-Pesa PIN.

You receive an SMS with a code to open the statement, which arrives by email as a protected PDF.

Method 2: The M-Pesa App

1. Open the M-Pesa app and log in.
2. Go to M-Pesa Statements and tap See All.
3. Pick a month or choose export to set a custom period.
4. Generate and download the statement.

The service is free.

How to Read Your Statement

Each line shows the date and time, a description, money in, money out and the balance. Payments from customers appear as money in. Withdrawals, supplier payments and airtime sales appear as money out. Charges show as separate lines. Add up money in for the month to see total sales, and compare it with the money you spent on stock to estimate gross profit.

Why Statements Matter for Small Traders

Many small businesses run on memory, and memory is unreliable when money comes in all day in small amounts. A statement removes the guesswork. It shows exact figures, which helps you price products, decide when to restock and know whether a new product line is worth keeping. It also protects you in disputes with customers or suppliers, because every payment has a transaction code and time stamp.

Using Your Statement to Plan

• Find your busiest days. Stock up before them.
• Spot slow periods. Plan promotions or reduce costs during them.
• See fee totals. If withdrawal fees are high, withdraw less often.
• Track growth. Compare months to see if sales are rising.

Using Your Statement to Get a Loan

SACCOs, microfinance banks and digital lenders often ask small traders for three to twelve months of statements. A Pochi statement showing steady customer payments is strong evidence of business income. Keep business money flowing through Pochi, avoid moving everything to your personal wallet, and the statement will reflect your real sales. If you plan to borrow, also check your record with our guide to checking your CRB status.

Keeping Good Records

Download a statement every month and keep it in a folder on your phone or computer, or print it. These records help with planning, tax and loan applications. If your business grows, they also make it easier to move to a till or paybill. Compare options in our Pochi, till or paybill comparison. Our guide to the M-Pesa full statement covers more detail on statement types.

A Monthly Review Routine

Set aside thirty minutes at the start of each month. Download last month’s Pochi statement, total the money in and money out, and write down three things: total sales, total business spending and the amount you paid yourself. Compare these with the previous month. If sales grew, note what you did differently. If costs rose, check which payments drove the increase. This simple routine turns your statement from a document you only use for loans into a tool that helps you run the business better every month.

If you share the business with a partner or family member, share the monthly summary with them too, so everyone sees the same numbers and decisions on restocking or expansion are based on facts.

Troubleshooting

• The email did not arrive: check spam and confirm the address.
• Cannot open the PDF: use the code from the SMS.
• Need an older period: request a longer range or ask Safaricom customer care.

Frequently Asked Questions

Is the Pochi la Biashara statement free?

Yes, on *334# and the app.

Can lenders accept a Pochi statement?

Many lenders accept stamped M-Pesa statements as proof of business income.

How often should I download it?

Monthly is a good habit.

Does the statement show Pochi and personal transactions together?

Select the right statement type or review the transaction descriptions to separate them.

What is the password?

The code sent to you by SMS when you request the statement.