Adding KES to your Grey account with Mobile Money is simple. Here is a step-by-step guide:
Select "Add via Mobile Money" on your KES balance and enter your registered M-Pesa phone number.
You'll get an STK push which pops up directly on your phone.
Enter your M-Pesa PIN on that prompt to approve the payment.
You'll see a success screen confirming the deposit.
Common errors you may encounter
Mobile Money deposits are generally smooth, but here are a few things that can occasionally go wrong, and what to do about them:
You didn't get the PIN prompt. This usually means your phone is switched off, has no signal, or the SIM toolkit didn't respond in time. Try again once your phone has signal and is on.
You got an "insufficient balance" message. This means there wasn't enough money in your M-Pesa wallet to complete the deposit. Top up your M-Pesa balance first, then try again.
The transaction failed for no clear reason. This can sometimes happen because of M-Pesa's transaction limits. Try sending a smaller amount.
The phone number was wrong. If the STK push didn't reach you at all, double-check that the phone number entered matches the SIM card you currently have M-Pesa on. We recommend always confirming this number before you hit confirm.
Frequently Asked Questions
Do I need a bank account to fund my KES balance?
No. You only need an active M-Pesa-registered phone number with sufficient balance.
Will I leave the Grey app to complete this?
No. Everything happens within the app. The PIN prompt comes directly from your phone's SIM toolkit, not a web page.
What if my deposit fails?
Check the failure message in the app, it will tell you whether it was due to an incorrect PIN, insufficient M-Pesa balance or a limit issue. You can retry the deposit.
Can someone else send money to my Grey account using their own M-Pesa account?
No. The payment will be returned to the sender. Grey does not hold third-party KES deposits. The return typically takes within 24-48 working hours. Deposits must be made from an M-Pesa account registered in your own name.
What's the minimum and maximum I can deposit?
You can deposit as little as KES 1 and as much as KES 300,000 per transaction.
How much will I be charged?
A fee of 3.50% applies to every deposit. So if you send KES 1,000, you'll be charged KES 35, and KES 965 will be credited to your Grey KES balance.
When will my balance actually reflect the deposit?
KES transactions are settled the same day. Contact Grey support through the app or at [email protected] if the payment is delayed. Include the amount, the sending network, and a copy of the transfer receipt. Grey's team will investigate with the banking partner and update you.
Is my money safe during this process?
Yes. Your PIN is entered directly into the secure M-Pesa prompt on your device; it's never shared with or visible to Grey at any point.