Mobile Banking USSD Codes for Kenyan Banks

Kenyan banks have embraced mobile banking that allows their account holders to conveniently access various services from their phones. In the past, such services would have required the customer to physically go to a bank’s nearest branch.

Some of the banking services accessible through various mobile banking platforms include:

  • Checking Account Balances
  • Getting Bank Statements
  • Transferring Funds to other Accounts
  • Transferring Funds to other Bank Accounts
  • Transferring Funds to Mobile Money Platforms (e.g. M-pesa, Airtel Money)
  • Withdrawing Cash via Mobile Money and Local Bank Agents
  • Loading Cash into Prepaid Debit Cards (e.g. KCB Pepea)
  • Mobile Loans
  • Purchasing Airtime

The mobile banking is typically accessed in two ways:
1. Via a USSD Code
2. Via Banking Apps

In addition to this two are paybill numbers which allow customers to deposit money from mobile money platforms into their bank accounts and also repay loans.


USSD Codes for Various Kenyan Banks

The USSD code option tends to be the more popular option as it can be accessed on all types of phones without the need for internet. It however still attracts charges from the mobile operator in addition to those the bank may charge for accessing various services.

These codes are unique for each bank and require prior registration with the bank in order to access an account through a particular mobile number and PIN.

Let’s take a look at the codes for various banks and microfinance banks (DTM) in Kenya.

USSD for Mobile Banking
Equity Bank
Co-operative Bank
Family Bank Ltd
National Bank
Barclays Bank Kenya Ltd.
Standard Chartered Bank
CFC Stanbic
Commercial Bank of Africa
NIC Bank Limited
Diamond Trust Bank (DTB)
Housing Finance Company (HFC)
Consolidated Bank LTD
Bank of Africa (BOA)
I & M Bank Limited
Imperial Bank
Chase Bank
Credit Bank
First Community Bank Ltd
K-rep Bank
Post Office Savings Bank
Jamii Bora Bank
Gulf African Bank
Equatorial Commercial Bank
Transnational Bank
UBA Bank
ABC Bank
via ABC Bank App
GTBank Kenya
via GTBank App
Prime Bank
via PrimeMobi App

Microfinace USSD Codes

Microfinance (DTM)
USSD for DTM Mobile Banking
Faulu Microfinance Bank
Kenya Women Microfinance Bank (KWFT)
Rafiki Microfinance Bank
Musoni Microfinance
SMEP Microfinance Bank
Vision Fund Kenya
Sumac MicroFinance Bank
*882*21# (registration)


Kelvin Muriuki is a web content developer that's passionate about keeping the internet a useful place. He is the founder and editor of Kenyan Fix, an informational blog that writes on topics that are of interest to the everyday Kenyan.