M-BANKING (USSD Codes) M-PESA to Bank (paybill no.)

M-PESA to Bank and Bank to M-PESA is a service designed to enable
M-PESA customers to conveniently move money from their bank account to

M-PESA account on their mobile handsets and vice versa without
stepping a bank.
Below are the most useful m-banking codes:
1ABC Bank
111777
2Bank of Africa*987#972900
3Barclays Bank K LTD*224#303030
4CFC Stanbic*208#600100
5Chase Bank*167#552800
6CITIBANK N.A KENYA
100229
7Comm. Bank of Africa*654#880100
8Consolidated Bank LTD*262#508400
9Co-operative Bank*667#400200
10DTB*385#516600
11Ecobank*335#700201
12Equatorial Commercial Bank
498100
13Equity*247#247247
14Family Bank Ltd*325#222111
15Faulu DTM*339#328585
16First Community Bank Ltd*342#919700
17Gulf African Bank*399#985050
18Housing Finance Company LTD*231#100400
19I & M Bank Limited*458#542542
20IMPERIAL BANK LTD
800100
21Jamii Bora Bank
529901
22KADET Ltd*985#200555; 549900
23KCB*522#522522
24K-REP BANK*527#111999
25KWFTDTM*378#101200
26Musoni*279#514000
27National Bank*625#547700
28NIC Bank Limited*488#488488
29Post Office Savings Bank*498#200999
30Prime Bank
928800
31Rafiki DTM*366#802200
32SMEP DTM*952#777001
33 Standard Chartered Bank*722#329329
34Transnational Bank*862#862862
35 UBA Bank
559900
36 Uwezo DTM
504600

How KCB M-PESA work: Stp by Step Procedure

    You will not be able to top-up to the amount saved.
    Locked periods include 1, 3, 6, and 12 months with minimum amount of Kshs.500.
    Upon early or premature redemption, you will forfeit all interest accrued.

    You get cash back immediately to KCB M-PESA account on prompting cash back
    You also get Life insurance benefit based on fixed deposit savings.

Target Savings Account

This account allows you to set a target and make deposits towards achieving that target.

How does it work?

    1. You will top up continuously until you achieve your target.
    2.The account is accessible with standing orders from M-PESA or KCB M-PESA Account
    You can choose from target periods of 1, 3, 6 and 12 months with minimum contribution of Kshs.50.
    3.You will also earn interest on cumulative interest
    4. You are allowed up to 4 withdrawals within target lock period to maintain interest.
    5. You will get cash back immediately to your KCB M-PESA account on prompting cash back
    6.   You benefit from exciting Interest rates of 1 month (3%), 3 months (4%), 6 months (5%) and 12 months (6%)

WHAT IS KCB M-PESA Account

KCB M-PESA is a savings account that enables you to access instant loans up to Kshs.1M upon dialing *844#.

The KCB M-PESA Account features include:

    Minimum saving of Kshs.1 and maximum saving of Kshs.1M
    Personal accident insurance benefit based on savings
    Interest on savings of 2% p.a.

You may load your savings easily and conveniently via M-PESA, KCB Mobi, Mtaani agent and/or branch and withdraw your KCB M-PESA account savings only via M-PESA.

Loans

You can borrow instantly without saving with disbursement being to KCB M-PESA Account Loan Limits (Kshs.100 to Kshs.500,000 with a top up option)

You can choose flexible repayment periods of 1 month, 3 months and 6 months via M-PESA, KCB M-PESA Account and Mobi/Branch/Mtaani with an option of Partial payments.

The interest on the loan include:

    30 day loan at 4% per month (4%)
    90 day loan at 3% per month (9%)
    180 day loan at 2% per month (12%)

The KCB M-PESA Account Fixed Deposit accounts

There are two types of fixed deposit accounts available to you as a KCB M-PESA Account holder. They include

    Fixed Savings Account
    Target Savings Account

Fixed Savings Account

This Account allows you to lock a specific amount of cash for a certain period of time.

How To Use Your M-pesa Account Effectively

Do you need an m-pesa account or not?

M-PESA has been designed so that people without bank accounts can use
it. Your money is held safely in a bank account run by M-PESA on your
behalf. You do not have any contact with the bank and the bank does
not have your details.

The question to whether you need an account or not might not be much
of our focus.
what we need to undestand is how to use the Account effectively.
managing and taking advantage of everything available.

Here are the basics to exploit:

Manage Your M-PESA Account

You can check your current M-PESA balance status at a fee of Ksh1
only. Note that your balance is also shown at the end of every SMS
each time you do an M-PESA transaction.
To check your balance:

Select "Show balance"
Enter your secret PIN
Wait for SMS confirmation message with your balance

Call Support: You can call M-PESA Customer Service Representatives
through this menu:

Select "Call Support"
A message displays "Allow SIM card to call?"
Press "call"
The same service can be accessed by directly dialling 234 from
your Safaricom mobile.

Change PIN: For security reasons, customers can change their PIN at
any time at a fee of Ksh22.

From the M-PESA menu select "My Account".
Select "Change PIN".
Enter old PIN press OK.
Enter new PIN and confirm it.
Wait for the confirmation.

Secret Word: This allows the customer to change the secret word as
long as they remember their secret PIN.

From the M-PESA menu select "My Account".
Select "Secret Word".
Enter PIN press ok.
Wait for the confirmation.

Language: You can choose which language to use for your M-PESA:

From the M-PESA menu select "My account".
Select "Language".
Choose from English or Kiswahili.
Enter your secret PIN
Wait for display of "M-PESA" then Press OK to view language update

Update Menu

Safaricom will from time to time release new functions on the M-PESA
menu. 'Update Menu' is used to launch these new M-PESA functionalities
on your phone. You will need to enter your secret PIN to confirm the
request.

Bless!

How to do Bank to M-PESA and M-PESA to Bank Bank to M-PESA

What is M-PESA to Bank Transfer?

This service is available to M-PESA registered customers through:

The PayBill functionality on the M-PESA menu
Via USSD for Bank to M-PESA.
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Business Numbers and USSD codes for various institutions

**To use this service, you must be registered for mobile banking with your bank.
BANK Bank to M-PESA (USSD) M-PESA to Bank (PayBill no.)
1 Bank of Africa(BOA) *987# 972900
2 Barclays Bank K LTD *224# 303030
3 CFC Stanbic *208# 600100
4 Chase Bank *275# 552800
5 Comm. Bank of Africa *654# 880100
6 Consolidated Bank LTD *262# 508400
7 Co-operative Bank *667# 400200
8 Credit Bank *669# 972700
9 Diamond Trust Bank(DTB) *385# 516600
10 Ecobank *335# 700201
11 Equatorial Commercial Bank *286# 498100
12 Equity Bank *247# 247247
13 Family Bank Ltd *325# 222111
14 Faulu DTM *339# 328585
15 First Community Bank Ltd *342# 919700
16 GTBank Kenya Ltd 910200
17 Gulf African Bank *399# 985050
18 Housing Finance Company LTD *231# 100400
19 I & M Bank Limited *458# 542542
20 IMPERIAL BANK LTD *356# 800100
21 Jamii Bora Bank *344# 529901
22 KCB *522# 522522
23 K-REP BANK *527# 111999
24 KWFTDTM *378# 101200
25 Musoni *279# 514000
26 National Bank *625# 547700
27 NIC Bank Limited *488# 488488
28 Post Office Savings Bank *498# 200999
29 Rafiki DTM *366# 802200
30 SMEP DTM *741# 777001
31 Standard Chartered Bank *722# 329329
32 Transnational Bank *862# 862862
33 UBA Bank *368# 559900
34 Vision Fund Kenya *985# 200555; 549900
35 ABC Bank 111777
36 CITIBANK N.A KENYA 100229
37 Prime Bank Via Bank App 982800
38 Uwezo DTM 504600

Benefits of this service to the customer

Convenience : You can access money from your account any time
whether the bank is open or not
Save on time and the cost of travelling to your branch and queuing
Reduction of risk associated with handling cash
Very convenient in emergency situations – You can access the funds
in your account fast.
Cash withdrawn is available on M-PESA and can be used to pay
utility bills, pay for purchases and money transfer. (E.g. withdraw
2000 from your bank account and immediately pay your water bill and
buy your power tokens all from the comfort of your house.)
Gives customers 24 hours access to money in their bank account

How to do Bank to M-PESA/ M-PESA to Bank
Bank to M-PESA

This is via USSD (short) code.
You need to register for mobile banking or internet banking
with your branch to get the short code to allow you move money from
your bank account into your M-PESA account conveniently.
The customers simply dials the USSD number and follows
instructions (this menu is different for different banks)

M-PESA to Bank

This is done via paybill.
Steps:
Go to M-PESA menu on your phone
Go to Lipa na M-PESA, paybill option
Paybill - enter bank business number (consult with bank)
Enter account number which is your bank account number
Enter amount
Enter M-PESA pin.
SMS confirmation received on phone
Bless!

BEST TRICK: HOW TO SPEND LESS ON MPESA

What is M-PESA?

M-PESA is an innovative mobile money transfer solution that enables you to do transactions safely and conveniently using your handset and Safaricom line.

M-PESA History

Since its inception 7 years ago, M-PESA has continued to lead the world in mobile money technology. It has revolutionized the way Kenya does business; it has been a source of great transformation in the lives of Kenyans. As the world spins further into

The 21st Century, the future of M-PESA is promising, revealing more opportunities to bring positive change and progress to Kenya and the world.

Source: Safaricom Kenya

“Did u know you can spend less on MPESA?
Come with me slowly; learn how to grant yourself a ‘DISCOUNT’….. 
1. To withdraw 200 costs Ksh 27
Alternatively: Withdraw 100 @10, Then another 100 @10 
Total= 20. SAVE 7 bob.

2. To withdraw 5,000 costs you Ksh 66
Alternatively: Withdraw 2500 @27, then another 2500 @27
Total= 54. SAVE 12 Bob

3. To withdraw 12000 costs you Ksh 159
Alternatively: Withdraw 10,000 @110, then the remaining 2000 @27
Total= 137. SAVE 22bob.
4. To withdraw 40,000 costs you Ksh 275
Alternatively: Withdraw 35,000 @187, then the remaining 5,000 @66 
Total= 253.....SAVE 22bob.

5. To withdraw 10,100 costs you Ksh 159
Alternatively: Withdraw 10,000 @110 then the remaining 100 @10 
Total= 120. SAVE 39bob….
6. Sending to someone Else
Also, if you want to someone else, for example, 200  is 33bob but if u send 100 @5 and another 100@5 you will save 23 bob
See?”
7. Paying for goods and services on pay-bill number.
For every 100 bob send, 10 bob will be automatically deducted, ad for every 90 bob you send, and you will be deducted 5 bob. You know realize the difference. Sending in bits is much profitable than whole amount.
Do the math calculations.
Note: The withdrawals must be from a different a agent, otherwise the agent will be doing zero work, safari com prohibits consecutive withdrawals or deposits from a single agent, so if u want to withdraw like con pro be ready to spend more time moving from till to till, the Mpesa rules are so though.
Happy Times - Chitoh