List of Mpesa Paybills and USSD Codes for All Banks in Kenya

Mobile banking has changed how Kenyans manage their finances. With just a few taps on your phone, you can check your balance, transfer funds, and pay bills. In Kenya, many banks offer USSD codes that make these services easily accessible without the need for internet access. Here, we provide a comprehensive list of all USSD codes and Mpesa paybills for all commercial banks in Kenya.  

1. KCB (Kenya Commercial Bank)

KCB is Kenya’s biggest bank by asset base. It offers a wide range of financial services to both individuals and businesses.

• USSD Code: *522#
• M-PESA Paybill Number: 522522

2. Equity Bank

Equity Bank is one of the largest banks in Kenya, known for its inclusive banking model and wide reach.

• USSD Code: *247#
• M-PESA Paybill Number: 247247

3. NCBA Bank

NCBA is Kenya’s biggest bank by customer base. NCBA was born out of a merger between Commercial Bank of Africa (CBA) and NIC Bank in 2019. 

• USSD Code: *654# 
• USSD Code (for former NIC Customers: *488#
• M-PESA Paybill Number: 880100

4. Co-operative Bank of Kenya

Co-operative Bank, also known as Co-op Bank is one of Kenya’s leading commercial banks with a customer base of over nine million accounts. 

• USSD Code: *667#
• M-PESA Paybill Number: 400200

5. Standard Chartered Bank Kenya

Standard Chartered Bank, also known as StanChart is a subsidiary of the British multinational financial corporation - Standard Chartered. It is a leading bank in Kenya. 

• USSD Code: *722#
• M-PESA Paybill Number: 329329

6. Absa Bank Kenya

Absa Bank Kenya, formerly Barclays Bank of Kenya, has a long-standing history in provision of bankings services in Kenya. 

• USSD Code: *224#
• M-PESA Paybill Number: 303030

7. Family Bank Limited

Family Bank is a Tier 2 bank that was founded by businessman Titus Muya. It is also listed in the Nairobi Securities Exchange. 

• USSD Code: *325#
• M-PESA Paybill Number: 222111

8. CFC Stanbic Bank

CFC Stanbic is a Kenyan bank and a subsidiary of South Africa’s Standard Bank Group - Africa’s largest bank by asset size. CFC Stanbic Bank provides a number of banking solutions in Kenya. 

• USSD Code: *208#
• M-PESA Paybill Number: 600100

10. National Bank of Kenya

National Bank of Kenya (NBK) is one of Kenya’s oldest banks, initially fully owned by the Government of Kenya. It has since had a number of changes in its shareholding before becoming a subsidiary of the KCB Group in 2019. In 2024, KCB announced that it was  in the process of selling NBK to Access Group, a Nigerian financial institution.  

• USSD Code: *625#
• M-PESA Paybill Number: 547700

11. SBM Bank Kenya

SBM Bank Kenya is a commercial bank in Kenya with a largely urban customer base in Nairobi and Mombasa. SBM Bank became operational after acquiring Chase Bank Kenya in a process that started in 2018. 

• USSD Code: *275#
• M-PESA Paybill Number: 552800

12. I&M Bank Limited

I&M Bank offers a wide range of personal and business banking products designed to meet customers' needs.

• USSD Code: *458#
• M-PESA Paybill Number: 542542

13. Diamond Trust Bank (DTB)

DTB is a major regional bank offering a wide array of banking services across East Africa.

• USSD Code: *385#
• M-PESA Paybill Number: 516600

14. Ecobank Kenya

Ecobank is a leading pan-African bank providing a wide range of financial products and services.

• USSD Code: *335#
• M-PESA Paybill Number: 700201

15. Jamii Bora Bank

Jamii Bora Bank focuses on providing innovative financial solutions tailored to meet the needs of their clients.

• USSD Code: *344#
• M-PESA Paybill Number: 529901

17. ABC Bank

ABC Bank provides a range of financial services and is known for its focus on small and medium-sized enterprises (SMEs).

• Mobile App: ABC Bank App
• M-PESA Paybill Number: 111777

18. Credit Bank

Credit Bank is committed to providing comprehensive financial services to its diverse clientele.

• USSD Code: *699#
• M-PESA Paybill Number: 972700

19. Consolidated Bank

Consolidated Bank is a commercial bank in Kenya that is fully owned by the Government of Kenya. 

• USSD Code: *262#
• M-PESA Paybill Number: 508400

20. Equatorial Commercial Bank

Spire Bank, previously known as Equatorial Commercial Bank, is a commercial bank in Kenya. The major shareholder at Spire Bank is Mwalimu Sacco - one of the biggest Saccos in Kenya. 

• USSD Code: *286#
• M-PESA Paybill Number: 498100

21. Sidian Bank

Sidian Bank, formerly K-REP Bank, is known for its focus on microfinance and SME banking.

• USSD Code: *527#
• M-PESA Paybill Number: 111999

24. Gulf African Bank

Gulf African Bank offers Shariah-compliant banking services and is a pioneer in Islamic banking in Kenya.

• USSD Code: *399#
• M-PESA Paybill Number: 985050

25. Housing Finance Company Limited

HF Group is a Kenyan commercial bank that is a pioneer in integrated property and financial solutions.

• USSD Code: *231#
• M-PESA Paybill Number: 100400

26. Bank of Africa (BOA)

Bank of Africa provides a comprehensive range of banking products and services in Kenya. 

• USSD Code: *987#
• M-PESA Paybill Number: 972900

27. UBA Bank

UBA Kenya offers a range of banking products and services to meet the needs of its customers.

• USSD Code: *368#
• M-PESA Paybill Number: 559900

29. Prime Bank

Prime Bank is a commercial Bank in Kenya with a primarily urban clientele. 

• Mobile App: Prime Bank App
• M-PESA Paybill Number: 982800

30. Guaranty Trust Bank (GTB)

GTBank offers a wide range of financial services, leveraging technology to provide various banking solutions in Kenya.

• M-PESA Paybill Number: 910200

Microfinance Banks and DTMs

• KWFT Microfinance Bank
  • USSD Code: *378#
  • M-PESA Paybill Number: 101200
• Musoni
  • USSD Code: *279#
  • M-PESA Paybill Number: 514000
• Rafiki Microfinance Bank
  • USSD Code: *366#
  • M-PESA Paybill Number: 802200