The Family Bank USSD Code Service is *325# (PesaPap Code)

Family Bank's PesaPap mobile banking service uses the USSD code *325# to give you access to your account.

This service allows for full account management directly from any type of mobile phone and does not require an internet connection. It is a practical tool for your day-to-day banking needs.

Let us give you a clear, step-by-step instructions for activating the service and using all its major features.

How to Activate PesaPap on Your Phone

Before you can use the *325# service, you must first register your phone number. The activation process is designed to be secure and links your mobile line directly to your bank account. It is a one-time setup.

What You Need Before You Start

• Your Family Bank account number.
• The National ID number you used to open the account.
• Access to the mobile phone number officially registered with your account.

The Activation Process

1. Dial *325# on your phone and press the call button.
2. You will be asked to accept the terms and conditions for the PesaPap service.
3. The system will then prompt you to enter your National ID number for verification.
4. Next, you will create your secret PesaPap PIN. This is the key you will use for all future transactions.
5. Confirm the PIN to complete the activation. You should receive an SMS confirming your successful registration.

A Note on PIN Security

Your PesaPap PIN protects your account from unauthorized access. Choose a PIN that is difficult for others to guess, and avoid using simple sequences like "1234" or your year of birth. Never share this PIN with anyone, including individuals who claim to be from the bank.

Core Account Management with the Family Bank USSD Code

The primary use of the Family Bank USSD code is to handle your daily, essential banking tasks.

The *325# service makes it simple to get quick information about your account without having to log into an app or visit a branch. The functions are designed to be straightforward and fast.

Checking Your Balance and Mini-Statement

These two features give you a clear picture of your account's financial status.

A balance inquiry shows your real-time available funds, while a mini-statement provides a list of your last five transactions sent via SMS.

1. Dial *325# and enter your PIN.
2. From the main menu, select the option for 'Account Services' or a similar term.
3. Choose either 'Balance Inquiry' to see the funds on your screen, or 'Mini Statement' to receive an SMS.
4. Select the account you wish to query.

Buying Airtime for Yourself or Others

You can use the *325# service to purchase airtime directly from your bank account. This service works for topping up any mobile network in Kenya, including Safaricom, Airtel, and Telkom.

1. Dial *325# and input your PIN.
2. Select the 'Buy Airtime' option.
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', enter the recipient's full phone number.
5. Enter the amount of airtime you wish to purchase and confirm the transaction.

How to Transfer Money Using the *325# USSD Service

The Family Bank USSD code is a powerful tool for moving money. It provides several options for transferring funds, ranging from paying an individual to moving money between different banks.

Each transfer type has a specific menu path to ensure your money is sent securely.

Transferring Funds to M-Pesa

This is the most common transfer function, allowing you to send money from your Family Bank account directly to a Safaricom M-Pesa wallet.

1. Dial *325# and enter your PIN.
2. Navigate to the 'Send Money' or 'Transfers' menu.
3. Select the 'M-Pesa' option.
4. Enter the recipient's phone number and the amount to send.
5. A confirmation screen will appear. Carefully verify the name, phone number, and amount before you approve the transaction.

Sending to Other Banks via PesaLink

The USSD service includes PesaLink, a network that connects most banks in Kenya. This allows you to send money directly to an account at another institution, such as KCB or Co-operative Bank.

1. From the main menu, choose the 'PesaLink' option.
2. Select 'Send to Account'.
3. Choose the destination bank from the list provided.
4. Enter the recipient's full bank account number.
5. Input the amount and confirm the transaction details.

Managing Bills and Payments with the USSD Code for Family Bank

The Family Bank USSD code simplifies how you pay for recurring expenses and purchase goods.

This function allows you to settle bills directly from your bank account, saving you the time and effort of visiting a physical payment point.

You can pay for common utilities and also for items at businesses that use Family Bank's merchant services.

Paying Utility Bills (KPLC, Water, and Other Bills)

To successfully pay a bill, you must have the correct business number (often a Paybill number) and your specific account or reference number for that bill.

1. Dial *325# and enter your PIN to access the main menu.
2. Select the 'Bill Payments' or 'Pay Bill' option.
3. You may be asked to choose a category, such as 'Utilities'.
4. Enter the business number for the company you are paying (e.g., KPLC's business number).
5. Next, enter your account number with that company (e.g., your meter number for KPLC tokens).
6. Input the amount you wish to pay.
7. A confirmation screen will show all the details. Review them carefully before you confirm the payment.

Paying for Goods at a Till

Some businesses use a Family Bank Till number for customer payments. The *325# service allows you to pay these merchants directly.

1. From the main menu, select the option for 'Lipa na PesaPap' or 'Pay Merchant'.
2. Enter the merchant's Till Number.
3. Enter the payment amount.
4. Confirm the transaction details, ensuring the merchant name is correct before proceeding.

Accessing and Managing Loans via *325#

The Family Bank USSD service provides access to mobile loan products directly from your phone.

This feature allows eligible customers to check their loan limit, apply for a loan, and make repayments without needing to fill out physical paperwork or visit a branch. The entire process is managed through the USSD menu.

How to Check Your Loan Limit and Apply

Before you can borrow, you must check if you are eligible and what your borrowing limit is.

1. Dial *325# and enter your PIN.
2. Navigate to the 'Loans' section in the main menu.
3. Select the option to 'Check Loan Limit'. The system will display the maximum amount you are eligible to borrow.
4. If you wish to proceed, select 'Request Loan'.
5. Enter the amount you wish to borrow (it cannot exceed your limit).
6. Follow the final prompts to review and accept the loan terms to have the funds disbursed to your account.

Making a Loan Repayment

You can also use the USSD code to pay back your outstanding mobile loan.

1. In the 'Loans' menu, select 'Repay Loan'.
2. You will likely have the option to pay in full or make a partial payment. Choose the one that suits you.
3. Enter the amount you wish to repay and confirm the transaction.

Support for the Family Bank USSD Service

While the *325# service is designed to be reliable, you may occasionally need help with a transaction or have a question about its use.

This final section covers common issues, provides information on transaction costs, and explains what to do if you encounter a problem.

Understanding Transaction Charges

Using the Family Bank USSD code involves certain costs. While basic inquiries like checking your balance are typically free, most transactions will have a small service fee.

This includes sending money, paying bills, and processing loan applications.

These charges are automatically deducted from your account during the transaction. For a detailed list of current charges, it is best to refer to the official tariff guide on the Family Bank website.

Troubleshooting Common Error Messages

• "Invalid PIN": This message means the PIN you entered is incorrect. After a few wrong attempts, your USSD service may be temporarily blocked for security. If this happens, or if you have forgotten your PIN, you must visit a Family Bank branch with your National ID to have it reset.
• "Connection Error" or "Request Timed Out": These messages are usually caused by poor mobile network coverage, not an issue with the bank's system. The best solution is to move to a location with a stronger signal and try the transaction again.
• "Insufficient Funds": This means your account balance is too low to cover both the transaction amount and any associated fees. You will need to deposit more funds into your account before you can complete the transaction.

How to Reset a Forgotten PIN

For your account's security, you cannot reset your PesaPap PIN directly from your phone. If you forget your PIN, you are required to visit your nearest Family Bank branch in person.

You will need to present your original National ID to the customer service staff, who will then assist you in setting a new PIN.