Banking with USSD in Kenya

By:Lauren Van Niekerk

Banking USSD codes for Kenya

USSD (Unstructured Supplementary Service Data) is no longer limited to mobile network providers. With its easy application of dialing code that starts with a * and ends with a #, banks have joined the USSD system. USSD is one of the best available communications technologies to deliver mobile financial services to customers.

USSD banking has many benefits. It is easy and quick to use, available around the clock, there are no data charges and allows you to keep track of your financial activity to name a few.

Everyone should know what the USSD banking codes of their bank are, that is why we have decided not to limit this knowledge to South Africa and below you will find the USSD banking codes of Kenya.

Short codes to access mobile banking services for selected financial institutions in Kenya:

Bank Name

Short Code

Mobile App

Barclays Bank Kenya



Housing Finance Company of Kenya



Equity Bank


Eazzy 247

Consolidated Bank of Kenya



Chase Bank Kenya


Mfukoni App

National Bank Kenya



Jamii Bora Bank



Family Bank



Diamond Trust Bank


banking 24/7

I&M Bank



Kenya Commercial Bank


KCB Mobi Bank app

Commercial Bank of Africa


CBA mobile banking

Cooperative Bank of Kenya


M-Co-op Cash

Standard Chartered Kenya



Bank of Africa



Listed below are the USSD codes to apply for a bank loan from Kenya’s financial institutions:

After dialling the USSD code, find where the words 'loan services' or 'credit services' are located and then proceed with the next steps.



Bank of Africa(BOA)


Barclays Bank Kenya                                                


CFC Stanbic                                                                


Chase Bank of Kenya


Commercial Bank of Africa


Consolidated Bank of Kenya


Co-operative Bank of Kenya


Credit Bank of Kenya


Diamond Trust Bank(DTB)




Equatorial Commercial Bank(ECB)       


Equity Bank of Kenya


Family Bank of Kenya


Faulu microfinance DTM


First Community Bank (FCB)


Gulf African Bank


Housing Finance Company


I & M Bank Limited


Jamii Bora Bank


Kenya Commercial Bank(KCB)




Kenya Women Finance Trust(KWFT) DTM


Musoni Microfinance Institution(MFI)


National Bank of Kenya(NBK)


NIC Bank Limited


Post Office Savings Bank(Post bank)


Rafiki Microfinance bank DTM




Standard Chartered Bank(SCB)


Transnational Bank of Kenya


United Bank of Africa(UBA) Bank


Vision Fund Kenya


GTbank of Kenya


Banking has gone mobile in Kenya

These USSD codes allow you to process a range of transactions straight from your mobile phone. These include transferring money from one account to another, from bank to bank or from bank to phone (Mpesa, Airtel money, Yu cash and Orange money), these short codes will also allow you to buy goods, retrieve statements and so much more. USSD codes have created a new and possibly better way of banking.

USSD banking in Kenya

Now that you're well acquainted with USSD banking will you use it regularly or do you prefer the Smartphone app? Have you used USSD banking? Tell us about it in the comments section below.

Contact Us

Want to know more about USSD or want to create your own USSD codes then contact to us here.

Sources: Infosasa, & cgap.