Co-op Bank Paybill Number: 400200
Co-operative Bank of Kenya’s M-Pesa business number is 400200. It’s published directly on Co-op Bank’s own “Ways to Bank” page as the paybill for sending money from M-Pesa into any Co-op Bank account. The paybill itself never changes — what identifies which account gets credited is the 14-digit account number you enter alongside it.
How to Pay Co-op Bank From M-Pesa
This is the flow Co-op Bank itself publishes on its FAQ page for depositing from M-Pesa into a Co-op Bank account:
Go to your M-Pesa menu
Select Lipa na M-Pesa, then Pay Bill.
Enter business number 400200
The same business number applies regardless of which Co-op Bank account you’re paying into.
Type the 14-digit account number, starting with 011
Co-op Bank’s own instructions are explicit: type it manually rather than copying and pasting it, to avoid hidden characters causing a mismatch.
Enter the amount and your M-Pesa PIN
Confirm and send. You’ll receive a confirmation SMS from both M-Pesa and Co-op Bank.
Repaying a Co-op Bank App Loan
Unlike some banks that run loan repayments through a separate paybill, Co-op Bank’s own FAQ confirms loan repayments also go through 400200 — the difference is the account reference. Send from your own M-Pesa number or someone else’s, using paybill 400200 with your salary account number as the account reference, and the repayment is deducted automatically when it falls due.
Banking by USSD: *667#
Co-op Bank’s mobile banking platform — the Co-op Bank App, also called MCo-op Cash — is reachable directly by USSD without a smartphone or data connection. Dial *667# and enter your 4-digit Mcoopcash PIN to reach the menu.
According to Co-op Bank’s own FAQs, once you’re through the PIN prompt the menu covers:
- Balance enquiry — Account enquiry → Balance → select the account to query
- Send money to mobile money (your own number or someone else’s)
- Withdraw cash at an agent or ATM using a beneficiary code
- Apply for or repay a Co-op Bank App loan, and check the loan balance
- Reset your Mcoopcash PIN via a verified M-Pesa transaction
How Fees Actually Work
Paying 400200 through Lipa na M-Pesa is charged under Safaricom’s standard M-Pesa Paybill tariff — the same mechanism used for any business paybill in Kenya — so the fee depends on the amount and the tariff band it falls into. That figure is shown on the M-Pesa confirmation screen before you enter your PIN, and that’s the number to trust, since Safaricom periodically revises its published bands.
One thing Co-op Bank has publicly confirmed: balance enquiries through *667# carry no charge — the bank scrapped that fee outright rather than folding it into a bundle.
If a Payment Doesn’t Reflect
I sent to the wrong number or account
Contact Co-op Bank’s Contact Centre immediately on 0703 027 000 or 020 277 6000 so the transaction can potentially be reversed before the funds are withdrawn.
I can’t remember if I used 400200 or 400222
Check the M-Pesa confirmation SMS — it shows the exact paybill number used. If it went to the wrong one, contact the Contact Centre with your transaction code.
I’m locked out of *667# or forgot my Mcoopcash PIN
Dial *667# and choose the PIN reset option. You’ll be asked to confirm a KES 1 verification deposit via an M-Pesa PIN prompt, after which you’ll receive a one-time 6-digit password by SMS — valid for 30 minutes — to complete the reset.
Contact Co-op Bank Directly
For anything this page can’t resolve — a misdirected transfer, a locked account, or a diaspora payment — Co-op Bank’s own published contact channels are the fastest route:
FAQ: Co-op Bank Paybill
What is Co-op Bank’s paybill number?
400200. This is the paybill Co-operative Bank of Kenya publishes for sending money from M-Pesa into any Co-op Bank account.
Is 400222 the same as 400200?
No. 400222 is Co-op Bank’s MCollection paybill, used by businesses and institutions that have registered for it, with a business code as the account reference. 400200 is for depositing into a standard Co-op Bank account.
What account number format does Co-op Bank use?
A 14-digit number starting with 011. Co-op Bank’s own instructions say to type it manually rather than copy and paste it into the M-Pesa account field.
What is Co-op Bank’s USSD code?
*667#, which opens the Co-op Bank App (MCo-op Cash) menu for balance checks, transfers, and loans, secured with your Mcoopcash PIN.
Sourced from Co-operative Bank of Kenya’s own published pages: the “Ways to Bank” PayBill 400200 page, the PayBill 400222 (MCollection) page, and the Co-op Bank FAQ covering M-Pesa deposits, balance enquiry, *667# USSD banking, and Co-op Bank App loans, all at co-opbank.co.ke. This page is maintained by MyCyber Kenya and is not an official Co-op Bank channel — for account-specific issues, contact Co-op Bank using the details above.
