Co-op Bank paybill number 400 200
Co-operative Bank runs two M-PESA paybills and they are not interchangeable. 400200 deposits straight into a Co-op account, and the account number is the recipient's Co-op account. 400222 is MCollection, used by schools, landlords and other businesses that need payments to reconcile: the account number is the business code, then "#", then optionally the payer's name or student number, for example 123456#Annie. Paying a school on 400200 instead of 400222 is the commonest mix-up, and it lands the money in the wrong place to reconcile.
Verified by paybillke on 14 September 2026how we verify
Paybill
400 200
Account number: The recipient's Co-op Bank account number
Which Co-op paybill do I use? 400200 deposits to a Co-op Bank account, for free. For school fees to a Co-op school account, use 400222 with the account as SCHOOLCODE#STUDENTNUMBER (no spaces). Full Co-op hub at paybillke.com/co-op-bank.
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 feeAccount number for Co-op Bank
- Format
- Account number
- What to type
- The recipient's Co-op Bank account number.
- Example
- The recipient's Co-op Bank account number (typically 11-13 digits)
- Common mistake
- Including a hyphen, slash, or space: most paybill systems reject the entry silently and the money waits in suspense until manually reconciled.
M-PESA cost to pay Co-op Bank (2026 Safaricom tariff)
Total customer fee when paying paybill 400200 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay Co-op Bank | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. Co-op Bank does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
Co-op Bank payment not working? Top fixes
Common failure modes specific to Co-op Bank, with the fix that works first. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Co-op account not credited after 30 minutes despite M-PESA confirmation.
Call the Co-op Bank contact centre with your M-PESA code. Co-op can trace and credit manually within 2 hours during banking hours. Outside hours, the deposit credits on the next banking morning.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Common help with Co-op Bank
Co-operative Bank of Kenya uses paybill 400200 for M-PESA deposits into a Co-op account; the account field is the recipient's Co-op account number, not yours. Co-op credits paybill deposits in real time during business hours and within 30 minutes outside. The bank also runs the M-Coop Cash mobile wallet on a separate paybill, and the two are not interchangeable; a deposit routed to the M-Coop Cash product does not credit a standard Co-op bank account.
M-PESA paybill cost
What does paying Co-op Bank cost you?
For KES 2,500 to Co-op Bank (paybill 400200), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
Result
Fee
KES 20
Total cost
KES 2,520
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How 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.
Paying Co-op Bank from outside Kenya
If you are abroad and this is a bill for family at home, the usual route costs you twice. You pay a transfer fee to get money into someone's M-PESA, then paying 400200 from that wallet is charged again on the M-PESA paybill tariff.
Before you send, check whether your transfer provider can pay a Kenyan paybill directly rather than paying a person. If it can, the money goes straight to Co-op Bank, the second charge never happens, and nobody at home has to do anything. Providers differ on this and it changes, so confirm it in your own app rather than taking anyone else's word.
The exact M-PESA charge depends on the amount. Work it out on this page, or compare what the transfer itself costs on the send-money comparison.
Co-op Bank payment not working? Top fixes
Common failure modes specific to Co-op Bank, with the fix that works first. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Co-op account not credited after 30 minutes despite M-PESA confirmation.
Call the Co-op Bank contact centre with your M-PESA code. Co-op can trace and credit manually within 2 hours during banking hours. Outside hours, the deposit credits on the next banking morning.
You sent to the M-Coop Cash mobile-wallet paybill when you meant the Co-op bank-account paybill 400200, or vice versa.
These are separate ledgers. Call the Co-op Bank contact centre with both the M-PESA code and the correct destination. Standard inter-product transfer takes 24 to 48 hours during the working week.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Co-op Bank USSD code
Beyond paying via M-PESA, Co-op Bank customers can manage their account directly through the Co-operative Bank USSD shortcut, free from any phone with no internet:
*667#Tap to dial on phoneCo-op Bank mobile banking via MCo-op Cash.
- Balance
- Send to Co-op account
- Send to other banks
- Buy airtime
- Pay bills
- MCo-op Cash loan
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
Co-operative Bank runs two M-PESA paybills and they are not interchangeable. 400200 deposits straight into a Co-op account, and the account number is the recipient's Co-op account. 400222 is MCollection, used by schools, landlords and other businesses that need payments to reconcile: the account number is the business code, then "#", then optionally the payer's name or student number, for example 123456#Annie. Paying a school on 400200 instead of 400222 is the commonest mix-up, and it lands the money in the wrong place to reconcile.
- 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. Co-operative Bank runs two M-PESA paybills and they are not interchangeable. 400200 deposits straight into a Co-op account, and the account number is the recipient's Co-op account. 400222 is MCollection, used by schools, landlords and other businesses that need payments to reconcile: the account number is the business code, then "#", then optionally the payer's name or student number, for example 123456#Annie. Paying a school on 400200 instead of 400222 is the commonest mix-up, and it lands the money in the wrong place to reconcile.
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.
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Paybill displayed: 400 200 (mpesa paybill). How we verify.