Transferring money using USSD codes in Kenya is a quick and convenient way to manage your finances without needing internet access. Below is a step-by-step guide on how to transfer money from your bank to M-PESA or from M-PESA to your bank using USSD codes.
Step-by-Step Guide for Transferring Money Using USSD Codes
- Ensure Your Mobile Number is Linked to Your Bank Account:
- Before you can use USSD codes for transactions, make sure your mobile number is registered and linked to your bank account.
- Check Your Bank’s USSD Code:
- Each bank in Kenya has a unique USSD code for different services. Here are some examples:
- KCB: Dial *522#
- Equity Bank: Dial *247#
- Co-operative Bank: Dial *667#
- ABSA Bank (formerly Barclays): Dial *224#
- Each bank in Kenya has a unique USSD code for different services. Here are some examples:
- Transferring Money from Bank to M-PESA:
- Step 1: Dial your bank’s USSD code (e.g., *522# for KCB).
- Step 2: Navigate through the menu to find the “Send Money” or “M-PESA” option.
- Step 3: Enter the recipient’s M-PESA number.
- Step 4: Enter the amount you want to transfer.
- Step 5: Confirm the transaction by entering your PIN.
- Dial *522#
- Select the “Send Money” option
- Enter the recipient’s M-PESA number
- Enter the amount
- Confirm with your PIN
- Transferring Money from M-PESA to Bank:
- Step 1: Go to your M-PESA menu on your phone.
- Step 2: Select “Lipa na M-PESA.”
- Step 3: Choose “Pay Bill.”
- Step 4: Enter the bank’s pay bill number (e.g., 522522 for KCB).
- Step 5: Enter your bank account number as the account number.
- Step 6: Enter the amount you want to transfer.
- Step 7: Enter your M-PESA PIN to confirm the transaction.
List of USSD Codes and Pay Bill Numbers for Kenyan Banks
| Bank | Bank to M-PESA (USSD) | M-PESA to Bank (Pay Bill) |
|---|---|---|
| KCB | *522# | 522522 |
| Commercial Bank of Africa | *654# | 880100 |
| Co-operative Bank | *667# | 400200 |
| Standard Chartered Bank | *722# | 329329 |
| ABSA Bank (formerly Barclays) | *224# | 303030 |
| NIC Bank Limited | *488# / APP | 488488 |
| Family Bank Ltd | *325# | 222111 |
| CFC Stanbic | *208# | 600100 |
| Equity Bank | *247# | 247247 |
| National Bank | *625# | 547700 |
| Chase Bank | *275# | 552800 |
| I & M Bank Limited | *458# | 542542 |
| Diamond Trust Bank (DTB) | *385# | 516600 |
| Ecobank | *335# | 700201 |
| Jamii Bora Bank | *344# | 529901 |
| Imperial Bank Ltd | *356# | 800100 |
| ABC Bank | APP | 111777 |
| Credit Bank | *699# | 972700 |
| Consolidated Bank Ltd | *262# | 508400 |
| Equatorial Commercial Bank | *286# | 498100 |
| K-REP Bank | *527# | 111999 |
| Transnational Bank | *862# | 862862 |
| Post Office Savings Bank | *498# | 200999 |
| Gulf African Bank | *399# | 985050 |
| Housing Finance Company Ltd | *231# | 100400 |
| Bank of Africa (BOA) | *987# | 972900 |
| UBA Bank | *368# | 559900 |
| Guardian Bank | *356# | 344501 |
| Prime Bank | APP | 982800 |
| Guaranty Trust Bank | APP | 910200 |
Conclusion
Transferring money using USSD codes is simple and efficient. By following the steps outlined above, you can easily send money from your bank to M-PESA or vice versa. Always ensure you have the correct USSD codes and pay bill numbers for your transactions to avoid any issues.
