Co-operative Bank USSD Code *667# and MCo-op Cash

The Co-operative Bank USSD code is *667#, the direct gateway to their mobile banking platform known as MCo-op Cash.

This service transforms any mobile phone into a portable bank branch, allowing you to perform a wide range of transactions without needing an internet connection or a smartphone app.

It is a reliable and accessible way to manage your finances on the go.

This guide will provide a detailed walkthrough of every service and function available within the *667# menu, from activating your account to managing loans and making payments.

Activating and Securing Your MCo-op Cash Service

Before you can access the powerful features of the *667# service, you must first register your account and secure it with a PIN.

This initial setup is essential for protecting your funds and ensuring only you have access to your mobile banking profile.

How to Register for the *667# Service

To get started, you will need your Co-operative Bank account details and the mobile number that is registered to that account. The self-registration process is straightforward.

1. Dial *667# on your mobile phone.
2. A welcome menu will appear. You will need to accept the terms and conditions to proceed.
3. The system will then prompt you to enter your National ID or Passport number for verification purposes.
4. Follow the on-screen instructions to confirm your identity.
5. Once verified, you will be required to create a new, six-digit secret PIN. This PIN will be your key to all MCo-op Cash services.
6. Re-enter the PIN to confirm it. You will receive an SMS confirming your successful activation.

Changing Your MCo-op Cash PIN

For security, it is a good practice to change your PIN periodically. You can do this easily through the USSD menu.

1. Dial *667# and enter your current PIN to log in.
2. From the main menu, navigate to the 'My Account' or 'Settings' option.
3. Select the option for 'Change PIN'.
4. You will be asked to enter your old PIN one more time.
5. You can then enter your desired new PIN and confirm it.

Managing Your Account via the USSD Menu

The MCo-op Cash service provides immediate access to vital information about your bank account. These features are designed to help you monitor your finances, track transactions, and stay informed about your funds in real-time.

How to Check Your Account Balance

This is one of the most frequently used functions on the *667# menu. It gives you an instant, on-screen display of your current available funds in your Co-operative Bank account.

1. Dial *667# and enter your MCo-op Cash PIN.
2. From the main menu, select the option for 'Balance and Mini-Statement' or a similar term.
3. Choose 'Balance Inquiry' from the sub-menu.
4. If you have multiple accounts linked, you will be asked to select the one you wish to check.
5. Your account balance will be displayed directly on your phone's screen.

How to Request a Mini-Statement

A mini-statement is a convenient way to review your most recent account activity.

The service sends an SMS to your phone with a summary of the last few transactions (typically three to five), helping you keep track of payments and deposits.

1. Dial *667# and enter your PIN to access the service.
2. Navigate to the 'Balance and Mini-Statement' section.
3. Select the 'Mini-Statement' option.
4. Choose the account for which you need the statement.
5. Confirm the request. You will shortly receive an SMS containing the transaction details.

How to Use MCo-op Cash Money Transfers

The Co-operative Bank USSD code is a versatile tool for sending money. Whether you need to pay an individual, move funds to your mobile wallet, or transfer to another bank, the *667# service provides a secure and direct method for all these transactions.

How to Send Money to M-Pesa

This feature allows you to withdraw funds from your Co-operative Bank account and send them directly to any Safaricom M-Pesa number, including your own.

1. Dial *667# and enter your PIN.
2. From the main menu, select the option for 'Send Money' or 'Transfers'.
3. Choose 'To M-Pesa' from the list of destinations.
4. Select whether you are sending to your own registered number or to another person's number.
5. Enter the recipient's phone number and the amount you wish to transfer.
6. A confirmation screen will appear showing the recipient's name. Verify all details are correct before you confirm the transaction.

How to Transfer to Another Co-op Bank Account

This is the ideal option for making payments to other Co-operative Bank customers. These internal transfers are typically instant and may have lower transaction fees.

1. In the 'Send Money' menu, select 'To Co-op Account'.
2. Enter the recipient's full Co-operative Bank account number.
3. Input the amount you want to send.
4. Confirm the transaction details on the summary screen to complete the transfer.

How to Send Money to Other Banks

The MCo-op Cash service also allows you to transfer funds to accounts held at other commercial banks in Kenya, such as Equity, KCB, or Absa.

1. From the 'Send Money' menu, choose the option 'To Other Bank'.
2. You will be presented with a list of banks. Select the correct destination bank.
3. Carefully enter the recipient's full bank account number.
4. Enter the amount and confirm all details before approving the transfer.

How to Pay Bills and Buy Airtime Using *667#

The MCo-op Cash service is also a convenient platform for handling routine payments. You can use the *667# menu to settle your utility bills and purchase mobile airtime directly from your bank account, saving you time and effort.

Paying for Utilities and Other Services

This feature allows you to pay a wide range of billers, including KPLC (for both prepaid tokens and postpaid bills), Nairobi Water, DStv, and other services. Before you begin, ensure you have the company's business number and your specific account or reference number for the bill you wish to pay.

1. Dial *667# and enter your PIN.
2. From the main menu, select the option for 'Bill Payments'.
3. You will be presented with a list of popular billers or categories. Choose the one you want to pay.
4. Enter the business number and your account/reference number when prompted.
5. Input the amount you wish to pay.
6. A summary screen will appear. Review all the details carefully to ensure they are correct before you confirm the payment.

Purchasing Airtime for Any Network

You can instantly top up your own phone or send airtime to someone else using the MCo-op Cash service. This function supports all major mobile networks in Kenya, including Safaricom, Airtel, and Telkom.

1. Dial *667# and enter your PIN.
2. Select the 'Buy Airtime' option from the main menu.
3. You will be asked to choose between 'My Number' (to top up your own phone) or 'Another Number'.
4. If you select 'Another Number', you will need to enter the recipient's full phone number.
5. Enter the amount of airtime you wish to purchase.
6. Confirm the transaction after verifying the details are correct.

Accessing Loan Services Through MCo-op Cash

The Co-operative Bank USSD code provides eligible customers with direct access to mobile loan services. This feature allows you to check your borrowing limit, apply for a loan, and make repayments conveniently from your phone. The entire process, from application to repayment, is managed within the *667# menu.

How to Check Your Loan Limit

Before applying for a loan, the first step is to determine if you are eligible and to see the maximum amount you can borrow. This limit is based on your account activity and history with the bank.

1. Dial *667# and enter your MCo-op Cash PIN.
2. From the main menu, navigate to the 'Loans' section.
3. Select the option to 'Check Loan Limit' or 'Loan Eligibility'.
4. The system will process your request and display your maximum loan limit directly on the screen.

How to Apply for a Mobile Loan

If you are eligible and wish to borrow, you can apply for a loan directly through the USSD service. The funds are typically disbursed into your Co-operative Bank account almost instantly upon approval.

1. In the 'Loans' menu, select the option to 'Apply for Loan' or 'Request Loan'.
2. Enter the amount you wish to borrow. This amount cannot be higher than your approved loan limit.
3. The system will display the loan details, including the repayment period and any applicable fees.
4. Review the terms and conditions carefully.
5. Confirm the transaction to accept the loan. The funds will then be credited to your account.

How to Make Loan Repayments

You can also use the MCo-op Cash service to conveniently pay back your outstanding mobile loan. You can choose to pay the full amount or make a partial payment.

1. Navigate to the 'Loans' menu within the *667# service.
2. Select the 'Repay Loan' option.
3. You may be asked to choose between paying the full balance or a different amount. Select the option that suits you.
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4. Enter the amount you wish to repay.
5. Confirm the transaction to make the payment from your bank account towards your loan balance.

Support and Troubleshooting for the Coop USSD Service

While the MCo-op Cash service is designed to be user-friendly and reliable, you may occasionally have a question or encounter an issue.

This section provides solutions to common problems and gives you the correct information for contacting Co-operative Bank customer care when you need further assistance.

What to Do If You Forget Your PIN

Your MCo-op Cash PIN is a critical security feature. For your protection, you cannot reset a forgotten PIN through the USSD menu itself. If you forget your PIN, you must contact the bank directly to have it reset securely. Do not share your old PIN or personal details with anyone claiming they can reset it for you.

1. Call the official Co-operative Bank customer care number.
2. A representative will verify your identity through a series of security questions.
3. Once your identity is confirmed, they will assist you in the process of setting a new PIN.

Understanding Common USSD Error Messages

• "Connection Problem or Invalid MMI Code": This is the most common error and is usually caused by a poor mobile network signal. It is not an issue with the bank's system. To resolve it, move to a location with better network coverage and try the transaction again.
• "Request Timed Out": This message appears if you take too long to respond to a prompt on the menu. Simply restart the process by dialing *667# again.
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• "Invalid Request" or "Service Unavailable": This may indicate a temporary issue with the bank's system or that a specific service is under maintenance. It is best to wait a few minutes before trying again.

A Note on MCo-op Cash Transaction Fees

It is important to remember that most transactions performed using the Co-operative Bank USSD code have an associated service fee.

Basic actions like checking your balance are often free, but sending money, paying bills, and processing loans will incur a small charge.

These fees are standard and are deducted from your account at the time of the transaction. For a detailed list of charges, you can refer to the official MCo-op Cash tariff guide on the bank's website.