In Kenya, Unstructured Supplementary Service Data (USSD) codes have become an indispensable part of everyday life, providing quick and efficient access to a variety of essential services. From banking and government services to utility bill payments and loan applications, USSD codes are a vital tool in the mobile-first economy of Kenya.
This comprehensive guide delves into the most important USSD codes in Kenya, explaining their uses and how they simplify access to critical services for millions of Kenyans.
1. *361# – Unclaimed Assets
This code allows users to check whether they have any unclaimed assets, such as dormant bank accounts, shares, or insurance benefits. Managed by the Unclaimed Financial Assets Authority (UFAA), this service helps individuals recover forgotten or inherited financial resources.
2. *433# – Credit Reference Bureau (CRB)
Through Metropol CRB, *433# provides users with a convenient way to access their credit status. For a small fee, you can check your credit score, get a credit report, and receive clearance certificates, all essential for securing loans and maintaining financial health.
3. *155# – NHIF Self-Service
The National Hospital Insurance Fund (NHIF) self-service code, *155#, allows members to check their contributions, update their details, and even register dependents. This service makes healthcare management simple and accessible.
4. *642# – HELB
Higher Education Loans Board (HELB) borrowers can use this code to check loan balances, statements, and repayment status. It’s a lifeline for students and alumni looking to manage their education loans effectively.
5. *303# – NSSF Self-Service
The National Social Security Fund (NSSF) self-service code, *303#, enables users to check their contributions and manage retirement savings conveniently.
6. *977# – Kenya Power (KPLC)
For all Kenya Power-related services, *977# is the go-to code. Customers can check their electricity bills, report outages, and purchase tokens for prepaid meters directly from their phones.
7. *106# – SIM Registration Status
This code, regulated by the Communications Authority of Kenya, allows mobile users to check the registration status of their SIM cards. It’s a vital tool for preventing fraud and ensuring compliance with telecommunications regulations.
8. *888# – Nairobi Water Services
Nairobi residents can use *888# to check water bills, pay for services, and report issues such as leaks or interruptions. This streamlines access to clean water services for urban dwellers.
9. *235# – Nairobi County Services
This USSD code simplifies access to Nairobi County services, including permits, licenses, and payments for county services. It’s a step towards digitizing municipal services.
10. SMS Your ID Number to 22846 – NTSA
By sending your ID number to 22846, you can check the status of your driving license through the National Transport and Safety Authority (NTSA). This service ensures drivers have valid licenses and helps prevent legal issues.
11. *667# – Co-op Bank Self-Service
The Cooperative Bank of Kenya provides a USSD code, *667#, for customers to check balances, transfer funds, and access other banking services conveniently.
12. *848# – Timiza Loan
Timiza, a mobile banking solution by ABSA Bank, offers *848# for users to apply for loans, check balances, and manage their accounts without the need for a smartphone or internet connection.
13. *224# – ABSA Bank Self-Service
For ABSA customers, *224# provides access to a wide range of banking services, including fund transfers, loan applications, and account management.
14. *325# – Family Bank Self-Service
This code gives Family Bank customers the ability to check balances, request mini-statements, and pay bills with ease.
15. *247# – Equity Bank Self-Service
Equity Bank’s *247# code is a powerhouse of financial services, enabling users to perform transactions, pay bills, and access account information instantly.
16. *522# – KCB Bank Self-Service
Kenya Commercial Bank (KCB) customers can use *522# to access various banking services, including loan applications, money transfers, and account inquiries.
17. *131# – Okoa Jahazi
This USSD code by Safaricom enables users to access airtime credit in times of need. It’s a lifesaver for millions of Kenyans who rely on mobile communication.
18. *865# – AON Minet Kenya Self-Service
Teachers and other professionals insured by AON Minet Kenya can use this code to check their insurance status and manage their policies.
19. *619# – Platinum Credit
Platinum Credit customers can use *619# for loan applications, balance inquiries, and repayment tracking, offering convenience to borrowers.
20. *882# – Imarisha Sacco
This USSD code connects Imarisha Sacco members with essential services such as savings inquiries, loan applications, and account updates.
21. *254# – Hustler Fund
A recent initiative by the Kenyan government, the Hustler Fund, uses *254# to provide small loans to Kenyans at affordable rates. It’s designed to boost financial inclusion and support small businesses.
22. *633# – Mwalimu National Sacco
Members of the Mwalimu National Sacco can use this code for account inquiries, savings updates, and loan applications, making financial services accessible.
23. *625# – National Bank
National Bank customers can access banking services through *625#, enabling smooth transactions and account management.
24. *645# – Spot Cash (Ngarisha Sacco)
Spot Cash users can manage their accounts, apply for loans, and check balances using this convenient code.
25. *241# – Premier Sacco
Premier Sacco members can use *241# for financial management, including savings inquiries and loan services.
26. *334# – Universal Banking and MPesa Access
This versatile USSD code allows users to access banking services and MPesa transactions free of charge, bridging the gap between different financial platforms.
27. *882# – Winas Sacco
Winas Sacco members can check their balances, apply for loans, and access other financial services using this code.
28. *689# – Tupande Self-Service
Tupande users can manage their accounts, savings, and loans efficiently through this code.
Why USSD Codes Matter
Accessibility
USSD codes work on any mobile phone without requiring an internet connection, making them ideal for rural and low-income areas where smartphones and data plans are less common.
Efficiency
With simple commands, users can access services instantly, avoiding the need for physical visits to offices or long queues.
Financial Inclusion
USSD services have democratized access to banking and financial services, enabling even the unbanked population to participate in the economy.
Tips for Using USSD Codes Safely
- Verify Authenticity: Only use codes provided by trusted sources.
- Protect Personal Information: Avoid sharing sensitive details like PINs or passwords during USSD sessions.
- Be Aware of Charges: Some USSD transactions may incur fees. Check with your service provider.
- End Sessions Properly: Ensure you exit the USSD menu after completing a transaction to protect your information.
USSD codes are a cornerstone of Kenya’s mobile-first approach to services. They simplify access to essential functions, promote financial inclusion, and enhance efficiency in everyday life. Whether you need to check your electricity bill, apply for a loan, or manage your insurance, there’s likely a USSD code for that.
