Mpesa Sim Toolkit |link| ✦ Free

Navigate to Settings > Mobile Data > SIM Applications (or Settings > Cellular > SIM Applications ).

While Safaricom and other operators have launched feature-rich smartphone apps, the SIM Toolkit remains vital. It ensures that the 30%+ of users still on feature phones can access financial services. Newer SIMs with “STK 2.0” support better menus, longer messages, and even lightweight data exchanges. As 5G and USSD evolve, expect the toolkit to coexist alongside apps for years to come. mpesa sim toolkit

Usually found within the main menu under a "Safaricom" or "Services" folder. Core Menu Features Navigate to Settings > Mobile Data > SIM