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M-Pesa ↔ Co-operative Bank
M-Pesa to Co-operative Bank Transfer Guide
Everything you need to move money between M-Pesa and Co-operative Bank — paybill numbers, USSD codes, step-by-step instructions and fee breakdowns.
400200
Paybill
*667#
USSD
Free
M-Pesa→Bank Fee
Instant to 5 minutes
Processing
1
M-Pesa → Co-operative Bank
✓ Free- 1Dial *334# on your Safaricom line
- 2Select "Lipa na M-Pesa"
- 3Select "Pay Bill"
- 4Enter Business Number: 400200
- 5Enter your Co-op Bank account number
- 6Enter the amount
- 7Enter your M-Pesa PIN and confirm
Account Format
Your Co-op Bank account number (16 digits, e.g. 0110226981600)
Amount Limits
Min: KES 10 · Max: KES 300,000
Co-op Bank account numbers are typically 16 digits — confirm on your cheque book or app
Funds show in your Co-op account almost instantly during business hours
For MCo-opCash wallet (separate from bank account), use a different code
2
Co-operative Bank → M-Pesa
KES 30–108 depending on amount- 1Dial *667# on your phone
- 2Select "Send Money"
- 3Select "To M-Pesa"
- 4Enter the recipient's M-Pesa phone number
- 5Enter the amount
- 6Confirm your Co-op PIN
- 7Recipient gets funds in M-Pesa instantly
Processing Time
Instant
Max Per Transaction
KES 100,000
Also available on the MCo-opCash app under "Transfer → M-Pesa"
The daily limit for Co-op to M-Pesa via USSD is KES 100,000
Frequently Asked Questions — M-Pesa & Co-operative Bank
What is the Co-op Bank Paybill number?
400200 is the standard Co-op Paybill number for depositing into a Co-op Bank account via M-Pesa.
Can I transfer from Co-op to M-Pesa on weekends?
Yes — *667# and the MCo-opCash app work 24/7 including weekends and public holidays.
What is MCo-opCash?
MCo-opCash is Co-op Bank's mobile banking service accessible via *667#. It allows you to check balances, transfer money, pay bills, and access mini statements without internet.
Co-operative Bank Customer Care
0703 027 000 · Available Mon–Sat