USSD (Unstructured Supplementary Service Data) is a Global System for Mobile (GSM) communication technology that is used to send text between a mobile phone and an application program in the network. Applications may include prepaid roaming or mobile chatting. USSD is similar to Short Messaging Service (SMS), but, unlike SMS, USSD transactions occur during the session only.
With SMS, message scan be sent to a mobile phone and stored for several days if the phone is not activated or within range. You can transact with your bank using your mobile phone, thanks to the USSD codes that various banks have. This service allows you to transact without leaving your house or office environment. Easily make your transactions anytime and from anywhere.
Here are the USSD codes for all banks in Kenya.
| No. | Bank | USSD code |
| 1. | Absa Bank Kenya | *224# |
| 2. | Bank of Africa | *987# |
| 3. | Stanbic Bank | *208# |
| 4. | Consolidated Bank | *262# |
| 5. | Co-operative Bank | *667# |
| 6. | Credit Bank | *669# |
| 7. | Diamond Trust Bank (DTB) | *385# |
| 8. | Ecobank | *335# |
| 9. | Spire Bank | *286# |
| 10. | Equity Bank | *247# |
| 11. | Family Bank | *325# |
| 12. | Faulu Microfinance Bank | *339# |
| 13. | First Community Bank | *342# |
| 14. | GT Bank Kenya | *878# |
| 15. | Gulf African Bank | *399# |
| 16. | Housing Finance Company | *231# |
| 17. | I&M Bank | *458# |
| 18. | SBM Bank | *275# |
| 19. | Kingdom Bank | *344# |
| 20. | Kenya Commercial Bank (KCB) | *522# |
| 21. | Sidian Bank | *527# |
| 22. | Kenya Women Microfinance Bank (KWFT) | *378# |
| 23. | Musoni Microfinance | *279# |
| 24. | National Bank | *625# |
| 25. | NCBA Bank | *488#, *654# |
| 26. | Post Office Savings Bank | *498# |
| 27. | Rafiki Microfinance Bank | *366# |
| 28. | SMEP Microfinance Bank | *741# |
| 29. | Standard Chartered Bank | *722# |
| 30. | Transnational Bank | *862# |
| 31. | UBA Bank | *368# |
| 32. | Vision Fund Kenya | *985# |
| 33. | Uwezo Microfinance Bank | *356# |
