ZTE Blade - Nubia Safaricom M-Ledger version5.0 APK Download

Safaricom M-Ledger

M-Ledger is an application that transforms your phone into a financial journal from your M-PESA transactions. M-Ledger will download your M-PESA History from Safaricom and compare this against your local M-PESA text messages generating a detailed record of your transactions including graphs and charts.

Key features include:

1. Access to your immediate last 6 months of M-PESA history .
2. Universal search facility for PayBill, Buy Goods, Bank USSD Codes and transactions.
3. A recent dashboard displaying your most recent transactions, colour coded and easy to read.
4. Total amount of money sent by day, month and year.
5. List of transactions by person, business, utility, etc.
6. Top 20 list of people you send and receive M-PESA.
7. Total transactions by type; i.e. Airtime, PayBill, etc.
8. Export of transactions to Excel.

For more information on m-ledger, visit http://mledger.safaricom.com.

Site - https://mledger.safaricom.com

Safaricom Limited part of our zteFinance and have average installs from 100000 to 500000. Update for ZTE phones Nov. 20, 2014. ZTE rating is 89.3621. Verison is 5.0. Actual size 2.2 MB.

Whats new

    ver 5.0.95
    minor Tweaks and fixes.
    ver 5.0.93
    Access to M-PESA history .
    Universal search facility for PayBill, Buy Goods, Bank USSD Codes and transactions.
    A recent dashboard displaying your most recent transactions, colour coded and easy to read.
    Total amount of money sent by day, month and year.
    List of transactions by person, business, utility, etc.
    Top 20 list of people you send and receive M-PESA.
    Total transactions by type; i.e. Airtime, PayBill, etc.
    Export of transactions to Excel.
Download safaricom-m-ledger.apk 2.2 MB


M-ledger cost calculator I disagree. Suppose the receipient account balance is Ksh.0, he/she needs 27 bob to withdrawal Ksh.2500. Therefore, I will need to send 2527 which costs 55 bob to send (under the bracket of 2,501->3,500) and not 40 bob for sending 2500 bob(under the bracket of 1,501->2,500). Thus Send 2527 at 55 and withdraw 2500 at 27. Sawa?

  • Dec. 2, 2014

Very very good However you should include an option whereby the reset pin can be sent to your phone for those who rarely use emails that way it's easier for people like me who prefer recovery codes being sent to the phone

  • Jan. 30, 2015

Awesome! A good way to track your spending. Didn't know spreadsheets can be applicable at such a personal level!

  • March 16, 2015

Claire Luganu This app has saved me from dubious transactions (those fake ones) now I can verify before returning money to conmen.PAYBILL r acurate n can get my statements faster.

  • March 14, 2015

This is a "must have" app if you are a MPESA user. Its makes its so easy to manage your MPESA account. User friendly and very simple but detailed software..Keep up.

  • Feb. 11, 2015

Hilarious The best part about this app is the record keeping. I no longer have to engage in vocal disputes after settling payments via Mpesa. This current version can only get better

  • April 9, 2015

Excellent Retracing the past transactions means alot. One cannot denie receipt of any payment as you will just retrieve even in the court of law.

  • Nov. 28, 2014

Wonderful App I love it. Just add transaction ID, I'm not able to see the ID of the transactions. Another thing, add the Mpesa Costs over time.

  • Dec. 29, 2014

M-ledger ndio Mama yao Work made easier. Now I got alk my pay bill numbers at my disposal. Best innovation safcom has come up with so far. ;-)

  • Jan. 13, 2015

Beautiful application Good app. Now I know how much I waste on drinks at my favourite pub. Consider 12 months rather than 6 months transaction.

  • March 11, 2015

Awesome awesome app... simplified alot soo many mpesa stresses.... i just check everything and get the feedback ASAP ... /upgrade it and add the send money option... and all the mpesa services in the app... in the meanwhile i give it 5 stars...best app from safaricom

  • Nov. 22, 2014

Awesome Over half my concerns have been dealt with- that means your customer care has been saved from my incessant inquiries for am quite forgetful

  • Jan. 23, 2015

This is really an awesome app , easy to use and very accurate. Well done safaricom !!!

  • Feb. 2, 2015

Superb! The app is superb! I can track all my transactions with ease. I love IT!

  • April 23, 2015

wonderful innovation it's a great app. Thanks for the great app. I don't have to clog customer care line again.

  • Jan. 26, 2015

Loving it but it stresses me coz i know people i hv sent to money the most but they on the other hand hav never returned that favor

  • April 14, 2015

Safaricom db It's a great app but wish u can query these report directly from safaricom database instead of sms. Thanks

  • Jan. 29, 2015

Impressive I must admit that the application is quite impressive. The statement showing the history of how exactly you received and withdrew cash won me over

  • Nov. 30, 2014

Cool I love it..i can see the transaction i did in the past right here..wonderful

  • Feb. 1, 2015

Nice one However,i find it not updating my transactions,its permanently stuck on those that were present during installation.

  • Dec. 5, 2014

Kim Its just an amazing application. I no longer need to que for my mpesa statements

  • March 17, 2015

Great job Safaricom! But I noticed that some transactions are missing.does it mean that ledger cant read/show mpesa sms received while I was using another phone?

  • March 9, 2015

Not Bad Its great but increase the period to at least one year. And how can one download the excel sheet?

  • Nov. 27, 2014

MPesa history Great that you can retrieve historical data going back months. Server can update your MPesa transcribe from the previous day too.

  • Feb. 11, 2015

It was worth a trial After several attempts via data bundle the application finally registered. Away with my whining now as I can enjoy using it.Thanks developer for swift response.. And Safaricom team..award 5*

  • Dec. 10, 2014

More than one mpesa account Can be much better if it could support multiple mpesa accounts. As it is it takes only one so one has to replace sim and download the app afresh

  • May 1, 2015

Great great app Though I hope it's not something that can be hacked, a lot of personal information on It in regards to financial data.

  • March 1, 2015

Tracker It is a great value add to M-P esa, helps me track my transactions. Keep the innovations coming SFC!

  • Jan. 16, 2015

M-pesa transaction I like it because it can give me all my transaction record even if I buy a new phone or I lose my phone instead of going to safaricom care centre

  • May 10, 2015

Really amazing. With most of my transaction on mpesa I can track all my expenses to the last penny! Even the historical information that I may need.

  • March 12, 2015

Nice job team That's for adding the M-pesa calculator option, I'm now well done!

  • Feb. 11, 2015

Excellent. Kindly try and make the transaction page accommodate three months instead of two months otherwise great App love it

  • Feb. 10, 2015

Good Stuff This App helps when it comes to tracking your current and previous transactions. Everyone should have this App

  • March 18, 2015

Very efficient Since I installed it I have been able to track my Mpesa transactions that is the amount received, sent and any other form of Mpesa transaction. It has really he me. I can also get a print out from Microsoft Excel. Safaricom congrats on this one.

  • Dec. 16, 2014

Very Fantastic App Now i can check my transaction fees before i do any transaction , Now introduce customercare App

  • Nov. 24, 2014

Very timely Now I can tell how much I receive and I send vie mpesa....am able to keep track!!

  • Feb. 27, 2015

Excellent work done by this app and no need to keep mpesa sms in the inbox for security matters.you can just get them via this app.kudos safcom fraternity

  • Jan. 23, 2015

Awesome! The app is working super so far. However, you need to input the calculator for BUYING GOODS. Cheers!!

  • Feb. 15, 2015

Amazing The application is very helpfull. Iniatially I was not familiar with different M-Pesa charging rates for sending and withdrawing but with the app am able to easily understand how much I get charged. Thanks Safaricom.

  • June 5, 2015

Mpesa transactions tracker Free Cloud back up after app was purchased by safaricom is a great improvement. However the deletion of mpesa fees function was a sneaky move by safaricom.

  • May 20, 2015

Amazing I always had trouble calculating the m-pesa transaction fees, but now M-ledger is doing that bit for me. I even know who sends me the most cash and vise versa :-) .Thanks safaricom for the great App!!!

  • June 28, 2015

Awesome app One point am not getting clearly, are the amounts received still the amounts sent?..because the probability of sending what I have received is high..

  • June 21, 2015

Wow I don't think it would be too generous to give a five, I'm able to refresh and get updated transactions at ease. Keep up the good work.

  • Oct. 23, 2015

Excellent You guys just sorted all my worries on transaction charges uncertainty. Am always able to know ahead of time the costs am incurring. Nice.....

  • Nov. 3, 2015

Great. Great app. It would be even better if the app can retrieve the info not from texts but from Safaricom Mpesa database for more accurate.

  • Dec. 27, 2015

M-Leger A cool app and also convenient for creating a breakdown of usage and availability of all till numbers. I recommend the app to all other Kenyans. Safaricom the better option!

  • July 17, 2015

Good Nice application gives a good review of transactions but some of them are left out. More improvements can be done to capture all transaction and the attendant cost.

  • Jan. 6, 2016

Good app just one fix and its great This app is good.But I give it a low rating because of 1 flaw.If you at any time take out your sim and put it back it renders it useless.For a dual sim like mine its ridiculous coz I never take out my safaricom line but it still gives me that error when I put in another line regardless of it being on a different network.Entering the pin does nothing to resolve it.So that is just a painful user experience flaw.

  • Feb. 18, 2016

Kudos. I like the fact that I can cloud back up so when I changed phones I could retrieve old mpesa sms. Try add cost to paybill numbers

  • Nov. 3, 2015

Excellent. This is the best MPESA app. A lot of time has been spend on developing this application..You can track all expenses without hustle..excellent work. You can print your data in msexcel worksheet.Congratulation team.If you are using Android phone, this app is for you! If you lose your phone, no worry, your data us backed up somewhere.

  • Feb. 2, 2016

A do it yourself application Good app which Saves time, informative and dispute solver, transparent services, indeed, it has increased my trust with safaricom. Get your ★★★★★ merited brightstar

  • Dec. 10, 2015

Its taking too long, to sync. Doesn't show the correct balance. It don't give me the correct current transactions

  • Aug. 1, 2015

Dual simscard issue I mean if am using a safaricom line and a line from a different service provider, if i open the app it should assist me but it declines

  • Nov. 9, 2015

Great experience Feels robust. Rich functionality. Feels a tad cluttered though

  • July 3, 2015

It's kinda OK.... (not awesome) It just tracks mpesa sms's. So if my Fone is off for a few days and I receive cash that transaction will not reflect. Why can't you create an app that queries live data from a a database you guys can host separately if security is an issue.

  • March 11, 2016

Awesome Over half my concerns have been dealt with- that means your customer care has been saved from my incessant inquiries for am quite forgetful

  • Feb. 11, 2016

Efficient I like the app alot. I can almost do everything with it except the Mpesa transactions themselves. I wish it could also do that

  • Jan. 5, 2016

Fantastic This app is awesome. Excellent, good work, keep it up

  • Dec. 4, 2015

Fantastic! Wonderful application for tracking down transactions. I've found it quite informative, useful and very simple to use.

  • Dec. 28, 2015

Great app but... Nice job done. However, after working with the app and closing it, on next launch it remembers previous usage history even when am not logged in. This may be a minor detail but to me it's the difference between 4 and 5 star rating.

  • Sept. 4, 2015

Awesome You can add a hyper link such that when I check the charges instead of going back to the SIM toolkit,I just click and am redirected. Thanks

  • Aug. 24, 2015

Airtime total balance I've been buying airtime using my mpesa but when I select the average of this particular month and how much I've spent it doesn't show. It gives an aggregate of only some few transactions as the total and not the whole month.

  • March 31, 2016

Efficient Shows me how i spend, and how much sport pesa earns from me and what i earn from them. The graph is good?....only one problem takes time to show the most resent received cash. Otherwise, its good. I like it.

  • May 1, 2016

I'm forced to "refresh and sync" in order to capture the latest data from SMS. I've used this app before and that used to happen automatically. Plz advise.

  • April 14, 2016

Excellent app Helps me to keep track of my mpesa transactions even after initial sms is deleted. Changed phones so may times but I keep my data intact.

  • May 13, 2016

The app is a great improvement from the previous one and also you are able to view all the transactions for an individual or number. The only negative change is the removal of the costs. Please return or provided for the total costs for transactions and any fees paid. I hope Safaricom is not worried it's costs may seem high. PLEASE INCLUDE COSTS OF TRANSACTIONS OF ALL CATEGORIES, I.E. SENDING, WITHDRAWAL, BILLS PAYMENTS ETC. The response from Safaricom does not address the issue.

  • April 2, 2015

Better, more efficient and easy to use. I actually need to give a 4 star ? or even a 5 star ? but I continue hesitating to give you a 3 or 2 star ?. I initially notified you of the SIM RECOGNITION issue. That has never been upgraded on the app. Every time I open, i get notification that the sim has been changed and so isn't the sim of initial installation. I have Uninstalled and installed it several but this has never changed anything. Please check out on the issue and do the necessary.

  • May 9, 2016

Generally Good This is a pretty ingenious app. However, afew tweaks need to be done to make it flawless. 1)To make it applicable for 12 months rather than 6 months. 2)If the cost breakdown was inclusive of mpesa charges,it would really help. But otherwise, it's a really good app

  • March 18, 2015

It is a very usefull app especially trucking my transactions on use of M-pesa. There is need to improve update of the summary to include lastest transaction, my summary shows me upto 7thFeb. or is there something or way i have not discovered or learned?

  • Feb. 10, 2015

JUST AN OK FROM ME!! Email full statements are much more superior than this app. Late last year, I withdrew some cash from mpesa that were never reflected on mledger but was on my email full statement that I only activated last month.

  • April 12, 2016

Safaricom m-ladger I love this services 100% may this services leave for ever!!!!!!! Thank you. The only problem am having with you guys is once I top up my credit adiduction of 75cents is been taken away why is that?!!!!. Have you started charging us service charges or what's happening? I need Anser to this issue.

  • Feb. 5, 2015

A good app really. Thumbs up safaricom. For those who experience prblms for instance you lose your phone or forget your,yu'll have to uninstall the app n reinstall anew. Currently i thnk that's the only option safaricom has left us wid.

  • Sept. 16, 2015

Updating Lipa na MPesa transactions The app is unable to auto update lipa na Mpesa transactions. In order to trace them I have to reinstall. Please assist. The rest is ok. 2. How do I know how much I incur to lipa na Mpesa. I have kshs.1000 and I need to pay 986. I'm told I have insufficient funds. Please create a facility that helps me check that.

  • Jan. 1, 2015

Mpesa charges Tracker When this app was first launched, there was a field to track cumulative mpesa charges.. After Saf acquired it, that field disappeared... I wld like to know my cumulative charges hence i rate it 3.

  • Oct. 31, 2015

Love this app This app has given me perspective on my Mpesa spending. I love it. Only thing missing are total transaction charges which would shed the spotlight on how much these costs are. The ability to recover deleted msg details is handy.

  • May 10, 2015

Good step bt... Getting smses which are already in my inbox isn't helping me much except for derived summary... What I need most is smsed accidentally deleted instead of downloading the whole statement from selfcare. I think the app should operate more or less like safaricom selfcare.

  • Nov. 24, 2014

Mpesa ledger Awesome. However the export of the statement does not come out as PDF but csv file which is difficult to view. I wish the software would export as pdf straight away from the phone unless there is a way to do it and I'm not aware of it.

  • Oct. 1, 2015

Valuable companion to mpesa service This app is a very valuable companion to the mpesa service, especially in calculating the cost of transactions beforehand and a full history by time, person and type of transaction. This app is a gem and feels like a cheat code into my mpesa financial history!

  • June 22, 2016

Mpesa milele Of all apps I have on my phone, money transactions has never been so easy. This app is absolutely amazing big up to safaricom crew for making this app a success.

  • Jan. 10, 2016

Help for blackberry 10 Hey this isn't working on blackberry 10 devices. Either you fix your confirmation issue or make an app for blackberry. It doesn't confirm yet I recieve a message. Can one just verify with the code because that's there the problem is. Detecting the sms. Please... I need this to facilitate business

  • Feb. 17, 2016

Great app The summary of transactions is so helpful. Especially when the mpesa SMS are accidentally deleted. Hope in the future the mpesa toolkit can be moved to this platform to enable transactions right from m-ledger and features such as NFC tap and pay

  • Dec. 24, 2014

This app should get its data from an api and not scraping text messages. Too many reasons to list. *Edit* That's great if it picks from an api. But tell me. Why do you then say if I delete the last text msg before the app updates the balance will be wrong until the next transaction is made? My two sense would expect it to update from the API.

  • Dec. 6, 2014

Balance update Some of us delete M-Pesa messages as soon as one is through with transactions for obvious reasons. ...but you can always find your way easily to this app for balance update

  • Dec. 17, 2015

Excellent App I commend all efforts to making this app a gem. Very helpful app. But one thing though, allow use via other data networks and allow to validate SIM even if it is in the second slot.

  • June 18, 2016

M-ledger It's a good app and I do appreciate how spread sheet has been personalised though I have some issues with the app. I recently lost my phone,,, have since replaced it but no matter how long I try to restore my previous data, I have totally failed and this annoys me that even unstable the app

  • June 29, 2015

It used to be great until I bought a new handset and now it does not even update the balance or texts. It is so frustrating and is now just taking up space on my phone.

  • Jan. 29, 2016

File reference I have always wanted to check on my previous transactions. M-ledger is just the tool! Great invention!! I however wish I could get transactions from as far as 3 years ago or further

  • Oct. 11, 2015

The App is very functional in this market. Reason of not getting 5-star is the exclusion of the transaction cost visibility. Why did you remove this option yet very important for personal budgeting?

  • Aug. 11, 2015

A nice app It makes reference so very easy. You don't have to go to customer care and ask for your transaction statemenys for the previous weeks or months. I like it very well.

  • April 22, 2015

Does the job! It does what it is supposed to! Its simple to use and clear menus make navigation easy. I particularly like the feature of reviewing transactions. Hardly crashes on my phone.

  • Oct. 3, 2015

Awful. Has turned to be an awful app. Doesn't update latest transactions and always gives the wrong balance and figures.

  • Jan. 19, 2016

Awesome No one can lie I didn't send em their dues...Me got proof. N budget wise too, it's a phenomenon

  • Sept. 29, 2015

Awesome Am almost forgetting the road to customer care. I do all my payments at the comfort of my seat and subsequently confirm from the app. Just make history 5 years back and see a drastic drop to queue leading to customer care. Keep it up. Kudos

  • March 2, 2015

Very useful in keeping up with transactions. A bit slow in syncing so sometimes shows the previous balance so could be misleading. Also i wish i could transact mpesa via the app

  • April 23, 2015

Great The app is great, one is able to share their statements very easily. But please work on am issue where you try to export csv file and the app stops. Fix that i will give you 5 stars.

  • July 8, 2015

This app is great and very helpful to me. Only one problem encountered after clicking forget password. The app wont open saying that "M-ledger cannot continue. The Sim Used during installation is different from the one now in use." It should be noted i have not changed my sim card

  • Aug. 21, 2016

Needs Improvement I have a dual sim phone I swapped my safaricom sim from sim1 to sim 2 and my other network sim to sim 1 as primary since it's cheaper to make calls. So now sim2(safaricom) won't sync with mlegder. I will believe your developers are geniuses and can resolve on seconds.

  • Aug. 26, 2016

Better still I would have given 5 ? without a doubt. Problem is that I have 2 safaricom lines on the same phone due to heavy MPESA traffic and the app does not recognize the 2nd line. True that it gives readings for both lines in my searches, But cannot log in with the 2nd line.

  • Oct. 19, 2016

The app is very informative and well laid out.... My only problem is I have to keep reinstalling it as it tells me I'm not using the same number I installed it with yet no sim cards have been switched. Annoying!!!!

  • Oct. 4, 2016

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