Accessing loans through mobile phones is not only one of greatest achievement in the e-commerce but also a dream come true that has taken banking to higher level. The hardest puzzle has always been how to cater for mobile users who don’t own a smart phone. The use of Unstructured Supplementary Service Data (USSD), sometimes referred to as “Quick Codes” has offered a unique solution to this puzzle.

At times bundles may unexpectedly get depleted when trying to download a mobile loan app thus limiting one to access a loan. To counter these and many more problems associated with use of mobile app. Use of USSD code saves time and data usage.

USSD Code enables one to perform several task at including but not limited to withdrawals, Instant registration and activation, Airtime purchase, Funds transfer Balance enquiry, Mini Statement, Deposits, Statement Requests, Mobile Loans and Inter Account Transfers.

Now, we are going to share bank USSD codes for loans in Kenya. Did you know that you can use your mobile phone to borrow money from Sacco, bank or microfinance institution?

This move has been embraced by most banks, reason being that its easy and quick to use, plus no data charges apply.

In order to use USSD codes, you need to register your sim card with your bank or sacco before using mobile banking services.

Also, this service only applies to Safaricom and Airtel lines only.

Bank USSD Codes For Loans in Kenya

Bank NameShort Code
Bank of Africa (BOA)*987#
Barclays Bank Kenya*224#
CFC Stanbic*208#
Chase Bank of Kenya*275#
Commercial Bank of Kenya*654#
Consolidated Bank of Kenya*262#
Co-operative Bank of Kenya*667#
Credit Bank of Kenya*669#
Ecobank Kenya*335#
Equatorial Commercial Bank (ECB)*286#
Equity Bank of Kenya*247#
Family Bank of Kenya*325#
First Community Bank (FCB)*342#
GTBank of Kenya*878#
Gulf Africa Bank*399#
I&M Bank*458#
Jamii Bora Bank*344#
K-REP Bank*527#
Kenya Commercial Bank (KCB)*522#
National Bank of Kenya*625#
NIC Bank*488#
Post Office Savings Bank*498#
Rafiki Microfinance Bank DTM*366#
SMEP DTM*741#
Standard Chartered Bank*722#
Transnational Bank of Kenya*862#
United Bank of Africa*368#