Full List of USSD Codes For Banks In Kenya

I think it is safe to say that almost all banks in Kenya, if not all, allow their customers to conveniently and easily access banking services using USSD shortcodes via their phones. USSD stands for Unstructured Supplementary Service Data and you use them by dialing * followed by the bank code, then # at the end. For example, *111# is a sample USSD code.

The biggest advantage of using USSD codes is that they work on any phone, you do not need a smartphone. Additionally, unlike banking via mobile apps, USSD mobile banking does not require internet connectivity to function. Below is a list of all USSD codes for banks operating in Kenya that are registered with Safaricom.

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Kenyan Banks’ USSD Codes

 Kenyan Bank NameBank USSD Code
1Kenya Commercial Bank (KCB)*522#
2Cooperative Bank of Kenya*667#
3Absa Bank Kenya PLC (Formerly Barclays Bank)*224#
4Standard Chartered bank*722#
5Equity Bank*247#
6Commercial Bank of Africa*654#
7National Bank of Kenya*625#
8Diamond Trust Bank (DTB)*385#
9Consolidated Bank Limited*262#
10NCBA Bank
(Former NIC Bank and CBA Bank)
 *654# for ex-CBA customers
*488# for ex-NIC customers
11Bank of Africa (BOA)*987#
12Family Bank*325#
13CFC Stanbic*208#
14I & M Bank Limited*458#
15Ecobank*335#
16Imperial Bank Limited*356#
17Transnational Bank*862#
18Gulf African Bank*399#
19Guardian Bank*356#
20Guaranty Trust Bank (GTBank)*878# 
21United Bank of Africa (UBA) Bank*368#
22Housing Finance Company (HFC) Ltd*231#
23Post Office Savings Bank (Postbank)*498#
24Sidian Bank (Formerly K-Rep bank)*527#
25Equatorial Commercial Bank*286#
26Credit Bank*699#
27Jamii Bora Bank*344#
28Chase Bank275#
29Prime BankN/A
30ABC BankN/A

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How To Use USSD Codes

There are a few prerequisites to starting using USSD codes for banks in Kenya. First of all, you need to have a bank account with the bank. Secondly, the majority of banks will require you to go to one of their branches and fill out forms before they can activate your mobile banking. This is a necessity to block off mobile fraudsters. This is where they also link your mobile number to your bank account. However, most banks nowadays will recommend mobile banking registration when you open an account with them. Thirdly, you need a phone, any phone, and a cellular network.

USSD banks Kenya

After you’ve done the above successfully:

  • You can now dial the bank’s USSD code on your phone’s dialer.
  • Next, you will be prompted to input the PIN you set during activation.
  • You can now choose from a menu the transaction you would like to do.

The banking menu layout will vary from bank to bank. But most will let you send money, pay bills, withdraw cash, and check your account balance. Some even allow you to apply for loans. The only challenge with USSD banking is poor cellular network coverage. Even though most USSDs are free to use, Safaricom will take a few coins from your phone airtime balance whenever you dial.

On the other hand, banks will charge you for successful transactions like checking your balance, sending money, etc. Though it will be definitely cheaper than going to an actual banking hall.

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Is there a USSD code for a bank in Kenya that we have left out? Kindly let us know through the comments section below.


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