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Co-op Msamaria loan USSD (Kenya 2026): *667# step-by-step

Co-op Bank mobile loans on USSD.

AO
by Reviewed by Michael Mwangi 7 min read Updated 26 August 2026Verified 26 Aug 2026

Register for M-Co-op Cash

Enrol your Co-op account at a Co-op branch or via the MCo-op Cash app. USSD *667# then activates.

Borrow via Msamaria

  1. Dial *667#.
  2. Enter your M-Co-op Cash PIN.
  3. Select Loans.
  4. Select Msamaria or the applicable loan product.
  5. Enter amount within your displayed limit.
  6. Review confirmation: principal, fee, total repayable, due date.
  7. Confirm with PIN.

Repay

From *667# menu > Loans > Repay. Or transfer from your Co-op account or M-PESA to the Co-op loans paybill.

Cost

Msamaria is priced on a facility fee basis for short tenures. Verify the current schedule at loan acceptance.

Sources

  1. Co-operative Bank of Kenya Ltd. M-Co-op Cash and Msamaria product terms, co-opbank.co.ke and *667# menu.

FAQ

What is the Co-op Bank loan USSD?

*667# opens the M-Co-op Cash menu. Loans (including Msamaria emergency loans and salary advance) sit inside.

What is Msamaria?

Msamaria is Co-operative Bank's short-term emergency loan for existing Co-op customers, disbursed via the M-Co-op Cash channel.

Further reading

Curated external sources we cite. Open in a new tab.