Nearly all banks, if not all, in Kenya, provide a simple and short way for their customers to access banking services on the comfort of their mobile phones. Bank USSD codes in Kenya have the advantage of working on any kind of phone, be it a smartphone or any other mobile phone, otherwise locally known as kabambe.
What Does USSD stand for?
USSD in full stands for Unstructured Supplementary Service Data. This is a system that is used to send text messages between your phone and an integrated system like a bank’s network applications.
See also: Mpesa Paybill Numbers for Banks in Kenya
To access banking services, you have to dial a *, then the bank code, and finally terminate with a #. USSD has the advantage of providing financial services to customers even where there is poor internet coverage across the country.
USSD is available 24/7 around the clock, does not consume data, and is a relatively cheap way of enjoying services from your bank from any place there is a network.
You can even open a savings account with some banks and perform direct deposits or withdrawals to the Mpesa account or any other mobile wallet.
USSD Short Codes in Kenya for Banks
Here is a list of all the registered Safaricom USSD shortcodes for mobile banking services in Kenya. You can use these shortcodes to access the bank’s Mpesa services.
| Bank Name | Shortcode ( USSD) |
|---|---|
| KCB | *522# |
| Comm. Bank of Africa | *654# |
| Co-operative Bank | *667# |
| Standard Chartered Bank | *722# |
| Barclays Bank K LTD | *224# |
| NIC Bank Limited | *488# |
| Family Bank Ltd | *325# |
| CFC Stanbic | *208# |
| Equity Bank | *247# |
| National Bank | *625# |
| Chase Bank | * 275# |
| I & M Bank Limited | *458# |
| Diamond Trust Bank (DTB) | *385# |
| Ecobank | *335# |
| Jamii Bora Bank | *344# |
| IMPERIAL BANK LTD | *356# |
| Credit Bank | *699# |
| Consolidated Bank LTD | *262# |
| Equatorial Commercial Bank | *286# |
| K-REP BANK | *527# |
| Transnational Bank | *862# |
| Post Office Savings Bank | *498# |
| Gulf African Bank | *399# |
| Housing Finance Company Ltd | *231# |
| Bank of Africa (BOA) | *987# |
| UBA Bank | *368# |
| Guardian Bank | *356# |
| KWFTDTM | *378# |
| SMEP DTM | *741# |
| Rafiki DTM | *366# |
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