In Kenya, almost all banks have a short USSD code and a paybill number that lets their customers access financial services directly from their phones without physically visiting their branches or offices to get the same.

The dedicated code allows for managing specific bank accounts, viewing balances, withdrawing money, changing PIN or password, and getting any other related services by following a list of commands and instructions when dialed through a SIM card, especially Safaricom SIMs, used to register the bank account.

Paybill numbers enable customers to deposit money from Mpesa to banks in the country, and the dominant characteristic of these digits is that they are always easy to remember, such that one can deposit funds without having to rely on external written sources for such information. For example, the paybill number for Access Bank Kenya is 862862 – simple to recollect even under the toughest of stresses.

Bank USSDs and paybill numbers in Kenya are meant to provide convenient mobile banking services with or without the Internet. Here are some;

USSD and Mpesa paybill numbers for major banks

These are the paybill numbers you need to know to transfer funds from your Mpesa account to your banking partner in Kenya, alongside USSD short codes for getting its services;

Bank name Mpesa to bank paybill number USSD mobile banking code
ABC Bank 111777 N/A
Absa Bank Kenya 303030 *224#
Access Bank Kenya 862862 *862#
Bank of Africa  972900 *987#
Consolidated Bank of Kenya 508400 *262#
Co-op Bank Kenya 400200 *667#
Credit Bank 972700 *699#
Diamond Trust Bank Group 516600 *382#
Ecobank Kenya 700201 *326#
Equity Bank 247247 *247#
Family Bank 222111 *325#
Gulf African Bank 985050 *399#
Guardian Bank 344500 *356#
HF Group 100400 *231#
I&M Bank Limited 542542 *458#
Kingdom Bank Limited (Kenya) 529901 *344#
KCB Kenya 522522 *522#
KWFT – Kenya Women Microfinance Bank 101200 *692#
Musoni Microfinance 514000 *646#
National Bank of Kenya 625625 *625#
NCBA Group 880100 *488#
Postbank Kenya 200999 *498#
Prime Bank Limited 982800 N/A
Rafiki Microfinance Bank 802200 *366#
Sidian Bank 111999 *527#
SMEP Microfinance Bank  777001 *635#
Standard Chartered Bank 329329 *722#
Stanbic Bank Kenya 600100 *208#
United Bank for Africa UBA 559900 *919#
VisionFund Kenya 200555 *985#

Are Kenyan banks charging for Mpesa transactions?

Most banks will charge you a fee as transaction cost when moving money from Mpesa mobile wallet to your bank account. Some, like Equity Bank, KCB, and Access, allow free movement of cash up to Ksh100 before applying an average transfer fee of Ksh50.

In Kenya, the only bank account from which you can send and receive money to and from Mpesa is I&M Bank’s.