I&M Bank USSD Code *458#: Register, Transfer Funds & Pay Bills

The I&M Bank USSD code is *458#. This service allows you to access your bank account directly from your mobile phone on any network, including Safaricom, Airtel, and Telkom.

The USSD code for I&M serves as a practical alternative for users who do not have internet access or prefer not to use the 'I&M On The Go' smartphone app.

Activating the *458# USSD Code Service

I&M Bank allows existing customers to self-register for mobile banking if they hold a valid debit card. This process links your mobile number to your account instantly.

Self-Registration for Debit Card Holders

If you have your I&M Visa or Mastercard debit card ready, follow these steps to activate your profile:

1. Dial *458# on the mobile number registered with the bank.
2. Select the option to 'Register' or 'Activate Mobile Banking'.
3. You will be prompted to enter your 16-digit Debit Card number.
4. Enter the card's expiry date (MM/YY) and CVV (the 3 digits on the back) if requested.
5. Authenticate the process using your current ATM PIN.
6. Create a new USSD PIN. This should be a unique 4-digit code specifically for mobile banking access.

Activation Without a Debit Card

If you do not have a debit card, or if you are registering a corporate account, self-registration via USSD may not be possible. In this case, you must visit the nearest I&M Bank branch. A customer service representative will link your phone number to your account and help you set up your initial PIN.

Money Transfers (M-Pesa and Inter-Bank)

The *458# menu provides a secure gateway to move funds from your I&M account to mobile wallets or other bank accounts in Kenya.

Sending to Mobile Money (M-Pesa and Airtel Money)

This function transfers cash directly to a mobile wallet.

1. Dial *458# and enter your USSD PIN.
2. Select 'Send Money' from the main menu.
3. Choose 'Mobile Money'.
4. Select the target network (e.g., M-Pesa or Airtel Money).
5. Enter the recipient's phone number and the amount you wish to transfer.
6. Review the transaction details on the summary screen and confirm to complete the transfer.

Sending to Other Banks (PesaLink)

For transfers to other local banks like KCB, Equity, or NCBA, the service uses PesaLink. This is often faster and cheaper for larger amounts than using mobile money as an intermediary.

1. From the 'Send Money' menu, select 'PesaLink' or 'To Other Bank'.
2. Choose 'Send to Account'.
3. Select the destination bank from the list provided.
4. Enter the recipient's bank account number.
5. Input the amount and confirm the transaction.

Account Information and Management

The *458# service provides immediate access to your financial data. You can monitor your funds and manage basic account requests without visiting a branch.

Checking Your Balance

You can view the real-time ledger balance of your current or savings account instantly.

1. Dial *458# and log in with your PIN.
2. Select 'Account Info' or 'Enquiries' from the main menu.
3. Choose 'Balance Inquiry'.
4. Select the specific account you wish to query.
5. The balance will be displayed on your screen.

Requesting a Mini-Statement

If you need to track recent activity, the mini-statement feature provides a summary of your last five transactions.

1. From the 'Enquiries' menu, select 'Mini Statement'.
2. Choose the account.
3. Confirm the request. The bank will send an SMS containing the transaction details to your registered mobile number.

Cheque Book Services

The USSD menu also allows you to manage cheque services. You can order a new cheque book or stop a specific cheque payment if it has been lost or stolen.

Look for the 'Requests' option on the main menu to access these features.

Payments: Airtime and Utilities via I&M USSD Code

The *458# platform integrates with major utility providers and mobile networks, allowing you to settle bills and purchase credit directly from your bank account.

Airtime Top-up

You can purchase airtime for your own line or for any other number across Safaricom, Airtel, and Telkom networks.

1. Dial *458# and enter your PIN.
2. Select 'Airtime' from the menu.
3. Choose 'My Phone' for self-top-up or 'Other Phone' to send credit to someone else.
4. If sending to another phone, enter the recipient's number.
5. Input the amount and confirm the purchase.

Paying Utility Bills

This feature supports payments for essential services such as KPLC (Postpaid and Prepaid tokens) and Nairobi Water.

1. Select 'Bill Payments' from the main menu.
2. Choose the category (e.g., 'Utilities').
3. Select the specific provider (e.g., 'KPLC Tokens').
4. Enter your account or meter number carefully.
5. Enter the amount you wish to pay.
6. Review the account details on the confirmation screen before approving the payment.

Service Costs and Transaction Limits

Using the USSD service offers convenience, but it is important to understand the associated costs and security limits.

Transaction Fees

Most transactions on the *458# menu attract a service fee. While checking your balance is typically free or negligible in cost, transferring funds to M-Pesa or paying bills will incur a charge. These fees vary based on the transaction amount and are deducted directly from your account. Refer to the I&M Bank tariff guide for the most current rates.

Daily Transaction Limits

For security reasons, USSD transactions often have lower daily limits compared to the I&M On The Go app or internet banking. If you need to transfer a large sum that exceeds the USSD limit, you may need to use the mobile app or visit a branch to complete the transaction.

Security and PIN Management

Your USSD PIN is the primary security barrier protecting your account on the mobile channel. Managing it correctly is essential for the safety of your funds.

How to Reset a Forgotten PIN

For security purposes, you cannot reset a forgotten USSD PIN through the *458# menu itself. If you forget your PIN or suspect it has been compromised, you must contact the bank immediately.

• Visit a Branch: The fastest way to reset your PIN is to visit the nearest I&M Bank branch with your National ID.
• Contact Support: You can also call the contact center for guidance on the verification process required to initiate a reset.

Security Best Practices

To keep your account safe, never share your 4-digit PIN with anyone, including bank staff. Do not write the PIN down or save it on your phone. If you receive an unsolicited call asking for your PIN or a One-Time Password (OTP), terminate the call immediately.

Support Contacts for I&M Bank

If you encounter technical errors while using the *458# service, or if a transaction fails to complete, you should contact I&M Bank support directly.

• 24-Hour Contact Centre: 020 322 1000
• Email Support: customercare@imbank.co.ke

Using *458# for County Parking Payments in Kenya

If you are driving in Nairobi, Mombasa, or other major towns, you will likely need to pay for parking via M-Pesa. The I&M USSD service ensures you can fund these payments instantly, even if your mobile wallet is empty.

The Payment Flow

Since parking systems usually require payment to a specific Paybill number from an M-Pesa line, you can use the I&M USSD to transfer the exact parking fee from your bank account to your mobile wallet first.

1. Dial *458# and select 'Send Money' > 'Mobile Money'.
2. Transfer the required parking amount to your own M-Pesa number.
3. Once the funds arrive (usually instantly), dial the specific parking USSD code or use the Paybill number for that county.

To find the correct USSD codes and Paybill numbers for parking across different counties in Kenya, refer to the comprehensive list at ParkingUSSD.co.ke.