Co-operative Bank of Kenya
Send money from M-Pesa to a Co-operative Bank account.
Paybill
400 200
Check the cost first
Send to Co-op Bank — for less
Sending money to a Kenyan bank? The M-Pesa fee depends on the amount. Check the actual cost before you press send.
Calculate the feeHow to pay Co-op Bank
M-Pesa
Pay via M-Pesa 400 200
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 400 200
- Enter Account (Account Number): The recipient's Co-op Bank account number.
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: The recipient's Co-op Bank account number.
Calculator preview
M-Pesa fees for Co-op Bank
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | — |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Co-op Bank
Send money from M-Pesa to a Co-operative Bank account.
- Sector
- Bank
- Official site
- co-opbank.co.ke
Frequently asked about Co-op Bank
What is Co-op Bank's paybill number?
Co-op Bank's M-Pesa paybill is 400200. Send money from M-Pesa to a Co-operative Bank account.
How do I pay Co-op Bank via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 400200, then your account (The recipient's Co-op Bank account number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Co-op Bank?
The recipient's Co-op Bank account number.
Can I pay Co-op Bank from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Co-op Bank's paybill 400 200. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Co-op Bank?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact Co-op Bank support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to Co-op Bank went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. Co-op Bank should also confirm receipt via their channels.
Further reading
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Paybill displayed: 400 200 (mpesa paybill). How we verify.