With digital fraud cases escalating across Kenya, safeguarding your M-Pesa and bank accounts has become more urgent than ever.

Fraudsters are deploying increasingly sophisticated tricks, and the smallest oversight can cost you dearly.

Here are eight essential PIN safety rules to help you stay protected.

1. Never share your M-Pesa or bank PIN

The golden rule of PIN safety is simple: keep your PIN secret at all times. Even if someone claims to be from Safaricom or your bank, do not disclose it.

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The official guidance is firm: “do not share your M-Pesa or bank PIN with anyone — not even with someone claiming to be from Safaricom or your bank. If someone asks, that’s a scam. Full stop.”

2. Avoid using your date of birth as your PIN

While it may seem convenient to use a date you’ll never forget, doing so makes it dangerously easy for fraudsters to guess your code. Remember: “Avoid using your DOB as a PIN.”

3. Do not choose repetitive number patterns

PINs like 1111 or 2222 are among the first combinations that scammers try. They may be easy for you to recall, but they are just as easy for criminals to crack. The advice is clear: “Avoid using repeat numbers, like 1111 or 2222, etc.”

4. Never write down your PIN

It might feel harmless to jot down your PIN and tuck it behind your phone case or ATM card, but this small habit could lead to a major security breach. The warning states: “Don’t write your PIN on a piece of paper and stash it behind your phone or ATM card.”

5. Be wary of fake calls or messages

Scammers often pose as representatives of banks or telcos to trick you into revealing sensitive information. Always remember: “No one will ever ask you for your PIN, be it a Telco or a Bank.”

6. Change your PIN regularly

Using the same PIN for years increases your exposure to fraud. Make it a habit to refresh your PIN periodically. The recommended frequency is: “Update your PIN every 3–6 months.”

7. Use different PINs for different services

Reusing a single PIN across M-Pesa, bank accounts, and other online platforms creates a dangerous vulnerability. A breach on one platform could open the door to all your accounts. The guidance advises: “Don’t use the same PIN for M-Pesa, bank accounts, and other online services.”

8. Activate a SIM PIN for added security

Your SIM card is a crucial gateway to your mobile money and banking notifications. Setting up a SIM PIN adds a valuable layer of protection in case your phone is lost or stolen. The advice is: “Use a SIM PIN; it’s an added layer of security for your device in case you lose it.”

By embracing these eight PIN safety tips, Kenyans can significantly reduce the risk of falling victim to digital fraud.

A few simple changes to your daily habits could be the key to keeping your finances secure.