USSD codes for banks and Micro Finance Institutions (MFIs) in Kenya

In a country where mobile phones are more widespread than bank branches, USSD codes have become a critical bridge between financial institutions and the public.

Kenyan banks and microfinance institutions deploy these short, dial-based codes to ensure that essential financial services such as money transfers, balance inquiries and loan applications are accessible to millions of customers regardless of smartphone ownership, internet availability, or geographic location.

Through these unique codes, lenders are able to reach diverse customers, including rural communities, informal traders, and low-income households.

Below are the USSD Codes for various banks and microfinance institutions in Kenya.

Bank  –  USSD Code

1. Kenya Commercial Bank (KCB) – *522#
2. NCBA Bank – *654#/*488#
3. Co-operative Bank of Kenya – *667#
4. Standard Chartered Bank Kenya – *722#
5. Absa Bank Kenya – *224#
6. Equity Bank – *247#
7. Family Bank Limited – *325#
8. Stanbic Bank – *208#
9. National Bank of Kenya – *625#
10. I & M Bank Limited – *458#
11. Diamond Trust Bank (DTB) – *385#
12. Ecobank Kenya – *335#
13. Credit Bank – *699#
14. Consolidated Bank Ltd – 262#
15. Gulf African Bank – *399#
16. Housing Finance Company Ltd (HF) – *231#
17. UBA Bank Kenya – *368#
18. Post Office Savings Bank (Postbank) – *498#
19. Sidian Bank – *527#
20. Guardian Bank – *356#

Also Read: M-Pesa Paybill numbers for all commercial banks in Kenya

Microfinance / Deposit Taking Microfinance Institutions (DTM)

1. KWFT DTM (Kenya Women Microfinance) – *378#
2. SMEP DTM – *741#
3. Musoni Microfinance Bank – *279#
4. VisionFund Kenya – *985#
5. Rafiki DTM – *366#

App-Based Access (No USSD)

1. ABC Bank – App
2. Prime Bank – App
3. Guaranty Trust Bank (GTBank) – App