Works without internet

Kenya USSD Codes 2026

Every shortcode you need for mobile money, banking, government services and loans. Dial directly from your phone — no internet or app required.

M-Pesa (Safaricom)

All Safaricom M-Pesa and account codes

*334#
M-Pesa Menu

Main M-Pesa menu — send money, buy airtime, pay bills

*334*0#
M-Pesa Balance

Check your M-Pesa wallet balance instantly

*334*1*1#
Send to M-Pesa

Send money to another M-Pesa number

*334*1*2#
Send to Other Network

Send money to Airtel or Telkom numbers

*334*4#
Lipa na M-Pesa

Pay Paybill or Till number

*334*6#
M-Pesa Loans (Fuliza)

Overdraft facility — check limit and borrow

*234*1#
Check Safaricom Airtime

Check remaining airtime balance

*100#
Safaricom Self-Service

Data bundles, account info, promotions

*544#
Fuliza M-Pesa

Directly access Fuliza overdraft menu

*456#
M-Shwari

Access M-Shwari savings and loan account

*234*0#
Safaricom Data Balance

Check remaining data bundle balance

*130*airtime#
Give Airtime

Share airtime with another Safaricom number

Airtel Money

Airtel Kenya mobile money and account codes

*334#
Airtel Money MenuAirtel

Main Airtel Money menu

*334*0#
Airtel Money BalanceAirtel

Check Airtel Money wallet balance

*135#
Airtel Self-ServiceAirtel

Airtime, data, account management

*131*1#
Airtel Airtime BalanceAirtel

Check remaining Airtel airtime

*510#
Airtel LoansAirtel

Airtel Timiza loan and savings

Equity Bank (Eazzy)

Equity Bank mobile banking

*247#
Equity Eazzy Banking

Full Equity Bank menu — balance, transfers, loans

*247*0#
Equity Balance

Check Equity account balance

*247*1#
Equity Mini Statement

View last 5 transactions

*247*2#
Equity Transfer

Transfer to Equity or other accounts

*247*4#
Equity Loans (Eazzy Loan)

Apply for instant Eazzy loan

KCB Bank

KCB mobile banking and M-Pesa integration

*522#
KCB Mobile Banking

Full KCB menu — accounts, transfers, loans

*522*1#
KCB Balance

Check KCB account balance

*522*3#
KCB M-Pesa

Access KCB M-Pesa savings and loan account

*522*0#
KCB Mini Statement

View recent KCB transactions

Co-operative Bank

Co-op Bank MCo-opCash mobile banking

*667#
MCo-opCash

Full Co-op Bank mobile banking menu

*667*0#
Co-op Balance

Check Co-op account balance

*667*2#
Co-op Transfer

Transfer funds within Co-op or to M-Pesa

NCBA Bank

NCBA mobile banking and M-Pesa integration

*488#
NCBA Loop

NCBA digital banking menu

*488*0#
NCBA Balance

Check NCBA account balance

*654#
NCBA M-Pesa

NCBA M-Pesa savings and loans

Absa Bank

Absa Kenya mobile banking

*390#
Absa Mobi Banking

Absa Kenya mobile banking menu

*390*0#
Absa Balance

Check Absa account balance

Government Services

NTSA, NHIF, NSSF and other government codes

*109#
NTSA Services

Vehicle inspection, driving licence, logbook

*155#
SHA/NHIF

Social Health Authority — check status and benefits

*303#
NSSF Self-Service

NSSF balance, contributions and registration

*572#
KRA Quick Payments

Kenya Revenue Authority quick tax codes

*400#
eCitizen USSD

Access basic government services without internet

Loans & Credit

Mobile loan USSD codes

*544#
Fuliza M-Pesa

Safaricom overdraft — check limit, opt in/out

*456#
M-Shwari

CBA/Safaricom savings and loan

*247*4#
Eazzy Loan (Equity)

Instant loan from Equity Bank

*522*4#
KCB M-Pesa Loan

KCB M-Pesa instant loan

*510#
Airtel TimizaAirtel

Airtel savings and loan app via USSD

Utilities & Bills

Pay bills without visiting an agent

*888#
KPLC Token/Bill

Buy electricity tokens or check postpaid bill directly

*100#
Safaricom Bundles

Buy data, SMS or voice bundles

*334*4*1#
Paybill Shortcut

Go directly to M-Pesa Pay Bill screen

Note: USSD codes may change. If a code fails, visit the provider's official website or call their customer care line to confirm the latest code.