Since its launch in 2007, M-PESA has transformed how Kenyans send and receive money, making transactions fast, secure, and accessible from anywhere in the country.
Over the years, Safaricom has partnered with banks to allow customers to easily link their bank accounts to M-PESA, enabling seamless transfers between the two platforms.
Linking your bank account to the mobile money platform allows you to deposit money from your bank into M-PESA or withdraw from M-PESA directly to your bank account.
The process reduces the need to handle cash, enhances convenience, and makes mobile banking more efficient.
How to Link Your Bank Account to M-PESA
To use this service, you need to meet the following requirements:
– You must be a registered M-PESA user.
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– You must be registered for either mobile banking or internet banking with your bank.
Once you have satisfied these requirements, you can link your account by using your bank’s USSD code or mobile app.
Linking and Transferring via USSD
Most banks allow linking and transfers through a USSD code.
Steps:
- Dial your bank’s USSD code.
- Select “Mobile Banking” or “M-PESA Services”.
- Choose “Account to M-PESA” or “M-PESA to Bank”.
- Enter your account details and follow the prompts.
- Confirm using your PIN or OTP.
Linking and Transferring Using Your Bank’s Mobile App
You can also link and perform transfers through the bank’s app.
Steps:
- Open your bank’s mobile app and log in.
- Go to Payments, Transfers, or Mobile Money.
- Select Bank to M-PESA or M-PESA to Bank.
- Enter the recipient’s M-PESA phone number and amount.
- Confirm the transfer and enter the OTP sent to your phone.
How to Activate the Mobile Wallet to Bank Transfers via PayBill
To link your bank account via M-PESA, open the M-PESA menu on your phone.
Navigate to Lipa na M-PESA and select PayBill. Enter your bank’s PayBill number, then key in your bank account number.
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Next, enter the amount you wish to transfer, then enter your M-PESA PIN. Once the transaction is complete, you will receive an SMS confirmation.
Below is a list of Bank USSD Codes and PayBill Numbers offered by Safaricom.
| Bank Name | USSD Code | Paybill Number |
| ABC Bank | APP | 111777 |
| Absa Bank Kenya | *224# | 303030 |
| Bank of Africa (BOA) | *987# | 972900 |
| Barclays Bank K LTD | *224# | 303030 |
| CFC Stanbic | *208# | 600100 |
| Co-operative Bank | *667# | 400200 |
| Comm. Bank of Africa | *654# | 880100 |
| Consolidated Bank LTD | *262# | 508400 |
| Credit Bank | *699# | 972700 |
| Diamond Trust Bank (DTB) | *385# | 516600 |
| Ecobank | *335# | 700201 |
| Equatorial Commercial Bank | *286# | 498100 |
| Equity Bank | *247# | 247247 |
| Family Bank Ltd | *325# | 222111 |
| Guaranty Trust Bank | APP | 910200 |
| Guardian Bank | *356# | 344501 |
| Gulf African Bank | *399# | 985050 |
| Housing Finance Bank | *231# | 100400 |
| I & M Bank Limited | *458# | 542542 |
| IMPERIAL BANK LTD | *356# | 800100 |
| Jamii Bora Bank | *344# | 529901 |
| K-REP BANK | *527# | 111999 |
| KCB | *522# | 522522 |
| KWFT | *378# | 101200 |
| Musoni Microfinance | *279# | 514000 |
| NCBA Bank | *654# | 880100 |
| National Bank of Kenya | *625# | 547700 |
| Postbank | *498# | 200999 |
| Prime Bank | APP | 982800 |
| Rafiki Microfinance Bank | *366# | 802200 |
| SBM Bank Kenya | *275# | 552800 |
| SMEP Microfinance Bank | *741# | 777001 |
| Sidian Bank | *527# | 111999 |
| Spire Bank | *275# | 100100 |
| Stanbic Bank | *208# | 600100 |
| Standard Chartered Bank | *722# | 329329 |
| Transnational Bank | *862# | 862862 |
| UBA Bank | *368# | 559900 |
| Vision Fund Kenya | *985# | 200555 |
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