MCo-op Cash is Co-operative Bank of Kenya's mobile banking service. It runs on the USSD code *667# (any phone) and as a smartphone app. It gives Co-op account holders balance checks, transfers, bill payment, airtime, and the MCo-op Cash mobile loan — without visiting a branch.

How do I register for MCo-op Cash?

Dial *667# from the phone number linked to your Co-op Bank account, choose Register, and follow the prompts to set an MCo-op Cash PIN. You need an active Co-op Bank account. If your number is not yet linked to the account, visit a branch or Co-op agent to link it first.

What is the Co-op Bank paybill number?

Co-operative Bank's M-PESA paybill is 400200. Use it to move money from M-PESA into a Co-op account: Pay Bill, business number 400200, account = your 13-digit Co-op account number. The credit reflects within minutes.

How does the MCo-op Cash loan work?

MCo-op Cash offers a short-term mobile loan to qualifying Co-op customers, accessed through the *667# menu or the app. The limit depends on your account history and credit profile. Like all KE mobile loans it carries a facility fee plus monthly interest; check the exact rate quoted in-app before accepting. Use our loan calculators to model the cost.

Can I send money from MCo-op Cash to M-PESA?

Yes. From the *667# menu choose Send Money, then to M-PESA, enter the recipient Safaricom number and amount. The transfer settles within minutes. Standard bank-to-M-PESA fees apply.

MCo-op Cash 2026: Co-op Bank mobile banking & *667#

MCo-op Cash is one of the most-used mobile banking products in Kenya, but Co-op's own documentation is notoriously terse. This guide is the plain-language version — what MCo-op Cash does, how to register, how to move money in and out, and how the MCo-op Cash loan works.

What MCo-op Cash is

MCo-op Cash is Co-operative Bank's channel for banking without a branch. It runs two ways: the USSD code *667# on any phone (including feature phones), and the MCo-op Cash smartphone app. Both give you the same core services — balance, mini-statement, transfers, bill payment, airtime, and the MCo-op Cash loan.

How to register

Dial *667# from the phone number linked to your Co-op Bank account.
Choose Register (or Activate).
Follow the prompts to create an MCo-op Cash PIN.
If your number isn't linked to your Co-op account, visit a Co-op branch or agent to link it first — registration won't complete otherwise.

Moving money into Co-op (paybill 400200)

To top up a Co-op Bank account from M-PESA:

M-PESA → Lipa na M-PESA → Pay Bill.
Business number 400200.
Account number = your 13-digit Co-op Bank account number.
Enter amount, confirm with your M-PESA PIN.

The credit reflects in the Co-op account within minutes. See the Co-op Bank paybill page for the live reference.

Sending money out

From the *667# menu, Send Money covers transfers to other Co-op accounts, to other banks (via PesaLink or RTGS), and to M-PESA. The M-PESA option asks for the recipient Safaricom number and amount; it settles within minutes. Standard bank-to-M-PESA fees apply — compare them in our bank-to-M-PESA fees guide.

The MCo-op Cash loan

MCo-op Cash offers a short-term mobile loan to qualifying Co-op customers. The borrowing limit is set by your account history and credit profile, and is shown in the app before you confirm. Like every Kenyan mobile loan, it carries a facility fee plus monthly interest — check the exact figures quoted in-app, and model the all-in cost with our loan repayment calculator. For a like-for-like APR comparison against Tala, Branch, M-Shwari, KCB M-PESA and the rest, see the real APR table.

MCo-op Cash vs the Co-op USSD menu

They're the same thing — *667# is the MCo-op Cash USSD channel. The smartphone app is a friendlier front-end over the identical service. Use whichever suits your phone; the account, PIN, and limits are shared. Full USSD detail is on our Co-operative Bank USSD page.

MCo-op Cash explained: Co-op Bank mobile banking, *667#, loans, paybill