NCBA mobile banking, M-Shwari operator
*488#Tap to dial on phoneProvider: NCBA Bank. Last verified: 2026-05-06. Category: Banks.
NCBA Bank's mobile banking USSD. NCBA is the operator behind M-Shwari (accessed through the M-PESA menu) but also offers direct mobile banking for NCBA account holders.
Confirm the code on the operator's official channel before using it for high-value transactions. The official source for NCBA Bank is the place to verify. We re-verify every quarter and flag any changes here.
NCBA mobile banking, M-Shwari operator
Yes. USSD shortcodes are typically free to dial in Kenya. Service-specific charges (e.g., M-PESA fees, bank transfer fees) apply only when you initiate a transaction through the menu, not for dialling itself.
NCBA Bank operates this USSD service. For service issues or to verify the code, contact NCBA Bank directly via their official channels.
Yes. USSD works on any GSM phone, including basic feature phones. No internet, no app, no smartphone required.
In most cases yes, USSD codes work across all Kenyan mobile networks for non-network-specific services. However some bank and government codes may have network restrictions, dial from your default Safaricom-registered M-PESA line for the most reliable experience.