All Mobile Banking USSD Codes(Bank To M-PESA) Transfer and PayBills in Kenya For 2024

Mobile banking has become an essential part of our lives. It is even more critical in Kenya due to the popularity of mobile money services such as M-PESA. In this guide, we will explore how to use mobile banking codes and PayBills to make transactions with ease.

Nov 25, 2023 - 10:35
Nov 26, 2023 - 09:35
All Mobile Banking USSD Codes(Bank To M-PESA) Transfer and PayBills in Kenya For 2024
All Mobile Banking USSD Codes(Bank To M-PESA) Transfer and PayBills in Kenya For 2024

In Kenya, where innovation and accessibility have become synonymous with progress, mobile banking has emerged as a transformative force. Gone are the days of making long queues in banks today; Kenyans wield the power of their smartphones to manage their finances swiftly and efficiently. This revolution has been made possible by ingeniously integrating USSD (Unstructured Supplementary Service Data) codes and the M-PESA PayBills.

Imagine the convenience of accessing your bank accounts, checking balances, transferring funds, and paying bills, all from the palm of your hand, without needing a stable internet connection. This financial freedom is a reality in Kenya, thanks to the introduction of mobile technology and banking services.

The importance of mobile banking in Kenya cannot be overstated. It has democratized access to financial services, allowing individuals from diverse socioeconomic backgrounds to participate in the modern economy. The ability to efficiently conduct financial transactions, even in remote areas, has fostered economic inclusivity and empowerment. This article will discuss everything you need about mobile banking, USSD codes and M-PESA PayBills in Kenya. 

Mobile Banking and PayBills in Kenya

Mobile banking codes, often called USSD (Unstructured Supplementary Service Data) codes, serve as the gateway to a world of financial services right at your fingertips. These codes are unique to each bank and are designed to be dialed directly from your mobile phone. Once entered, they unlock a treasure trove of services, enabling you to manage your bank account without needing a physical visit to a branch.

READ ALSO: How to Pay Safaricom Home Fibre via Mpesa

PayBills, on the other hand, are specialized account numbers used to facilitate transactions, especially payments, through mobile money services like M-PESA. Imagine needing to pay your utility bills or shop for groceries; PayBills simplifies this process by allowing you to make payments directly from your mobile device.

The Importance of Mobile Banking and PayBills in Kenya

Mobile banking and PayBills have fundamentally altered Kenya's financial landscape, making it more inclusive and accessible to a broader population. Here's why they are so crucial:

  1. Accessibility: Mobile banking codes and pay bills break down geographical barriers. Whether you live in Nairobi or a remote village, you can access these services as long as you have a mobile phone with network coverage.
  2. Convenience: Gone are the days of standing in long bank queues or rushing to make payments before a due date. Mobile banking allows you to conduct various financial transactions with a few taps on your phone.
  3. Time-Saving: Mobile banking eliminates the need for time-consuming trips to the bank. Checking balances, transferring funds, and paying bills can now be done on the go, saving you valuable time.
  4. Financial Inclusion: These services promote financial inclusion by allowing individuals without traditional bank accounts to access banking services. Mobile money services like M-PESA have become virtual wallets for many Kenyans.
  5. Security: Banks and mobile money services prioritize the security of your financial transactions. Encryption and authentication measures are in place to protect your sensitive data.

List of Mobile Banking USSD Codes and PayBill Numbers

Now, Let us look at the comprehensive list of major banks in Kenya, along with their USSD codes and PayBill numbers. Think of this as your key to unlocking a world of financial convenience.

Major Banks in Kenya and Their USSD Codes:

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#

Benefits and Limitations of Mobile Banking in Kenya

Mobile banking in Kenya has brought about a financial revolution. Still, like any technological advancement, it comes with its own set of advantages and limitations. 

Benefits of Mobile Banking in Kenya

  1. Convenience: Convenience is the hallmark of mobile banking. Whether in Nairobi or a remote village, you can access your bank account, check balances, and make transactions from your mobile device—no more waiting in long bank queues or rushing to meet payment deadlines.
  2. Accessibility: Mobile banking is inclusive. It brings banking services to areas with limited physical bank infrastructure. You can access these services as long as you have a mobile phone with network coverage.
  3. Time-Saving: Mobile banking saves you precious time. Tasks that once required a trip to the bank can now be completed on the go. Transfer funds, pay bills, and manage your finances without the hassle of physical visits.
  4. Financial Inclusion: Mobile banking has opened financial inclusion's doors more expansive than ever. Even individuals without traditional bank accounts can use mobile money services like M-PESA as virtual wallets for their transactions.
  5. Security: Banks and mobile money services take security seriously. Robust encryption and authentication measures protect your financial data, ensuring safe transactions.

Limitations and Considerations

  1. Transaction Fees: While many banks offer free or low-cost transactions, some may charge fees for certain mobile banking transactions. Knowing these fees and choosing services that align with your financial needs is essential.
  2. Network Dependence: Mobile banking relies on a stable network connection. Accessing these services can be challenging in areas with poor or no network coverage.
  3. Limited Services: While mobile banking provides a wide range of services, some complex transactions may require visiting a physical bank branch.
  4. Security Awareness: Users must keep their mobile devices and banking information secure. Phishing attempts and scams are still prevalent, and staying informed and cautious is crucial.
  5. Transaction Limits: Some mobile banking services have daily transaction limits. Understanding these limits is essential to avoid any inconvenience.

READ ALSO: Safaricom 5G Data Packages And How To Buy


In conclusion, mobile banking and PayBills have made banking in Kenya more accessible and convenient. We encourage you to explore the services your respective banks offer, use these tools responsibly, and stay informed about any associated fees or transaction limits.

Joseph Richard Joseph Richard, a leading contributor to, uses his decade-long expertise in finance, business, and technology to offer clear, reliable guides and analyses. His work aids Kenyans in making informed financial and business decisions, earning him a reputation as a trusted industry authority.