National Bank USSD Code *625# Activate and Manage Your Account (2025 and 2026)

The National Bank of Kenya provides the USSD service *625#, which is officially known as NatMobile.

This service gives you direct access to your bank account using any type of mobile phone. It does not require an internet connection.

Getting Started with NatMobile (NBK USSD *625#)

This section covers the one-time registration required to link your NBK account to the USSD platform. You must complete this setup before you can perform any transactions.

Requirements for Registration

• An active account with National Bank.
• Your National ID number.
• The mobile number that is officially registered with your bank account.

The Activation Process

1. Dial *625# on your phone.
2. The service will present the terms and conditions. You must accept them to continue.
3. You will then be prompted to enter your National ID number to verify your identity.
4. Follow the on-screen instructions to confirm your account details.
5. Once verified, you will be required to create a new, secret PIN. This PIN is your key to accessing the service in the future.
6. Re-enter the PIN to confirm it. An SMS will be sent to your phone confirming that your NatMobile registration is complete.

Core Account Functions on the NBK USSD Menu

The NatMobile service provides direct access to essential information about your account. These functions are designed for quick, day-to-day monitoring of your finances.

Checking Your Account Balance

This is the most direct way to get a real-time update on the funds available in your National Bank account. The balance is displayed on your screen instantly.

1. Dial *625# and enter your NatMobile PIN.
2. From the main menu, select the option for 'Balance Inquiry'.
3. If you have more than one account linked, choose the one you wish to check.
4. Your current account balance will be displayed.

Requesting a Mini-Statement

A mini-statement provides a summary of the last five transactions on your account. The service sends these details to your phone as an SMS, which is useful for tracking recent payments or deposits.

1. Dial *625# and enter your PIN.
2. Select the 'Mini Statement' option from the menu.
3. Choose the relevant account.
4. Confirm the request. You will receive an SMS with the transaction details shortly after.

How to Move Money Using *625# Service

The NatMobile service provides several secure options for transferring funds from your account. You can send money to mobile wallets, other bank accounts, or another National Bank customer.

Each transaction type has a dedicated path within the USSD menu.

Sending Funds to an M-Pesa Number

This function allows you to move money from your bank account directly to a Safaricom M-Pesa wallet.

1. Dial *625# 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 options.
4. Enter the recipient’s phone number and the amount you wish to send.
5. A confirmation screen will appear showing the recipient's details. You must verify this information is correct before you confirm the transaction.

Transferring Money to Another Bank Account

You can use the *625# service to send funds to accounts at other commercial banks in Kenya.

1. In the 'Send Money' menu, select the option 'To Other Bank'.
2. Choose the destination bank from the list provided.
3. Carefully enter the recipient’s full bank account number.
4. Input the amount and confirm all the details on the summary screen.

Sending Money Within National Bank

This is for making payments to other customers who also bank with National Bank. These transfers are typically instant.

1. From the 'Send Money' menu, choose 'To NBK Account'.
2. Enter the recipient's National Bank account number.
3. Input the amount you want to send and confirm the transaction.

Payments and Top-Ups

The NatMobile service includes functions for settling your bills and purchasing airtime directly from your account. These features help you manage routine payments conveniently.

Settling Utility and Other Bills

This feature allows you to pay for common services like KPLC, Nairobi Water, and other subscriptions.

You will need the company's business number and your specific account number for the bill you are paying.

1. Dial *625# and enter your PIN.
2. Select the 'Bill Payments' option from the main menu.
3. Choose the biller you wish to pay from the list of categories.
4. Enter the required details, such as your account or meter number.
5. Input the amount you wish to pay and confirm the transaction.

Buying Airtime for Any Network

You can use the USSD service to top up your own phone or send airtime to another person on any network.

1. From the main menu, select the 'Buy Airtime' option.
2. Choose if you are buying for 'My Number' or 'Another Number'.
3. If you select 'Another Number', enter the recipient's phone number.
4. Enter the amount of airtime you want to purchase and confirm.

Practical Information About the Service

Here we provide important details about the NatMobile service. It covers transaction costs, how to handle common problems, and the correct procedure for a PIN reset.

Understanding Transaction Fees

Most transactions you perform on the *625# platform will have a small service fee.

Basic inquiries like checking your balance are often free, but actions that move money or pay for services will incur a charge.

For example, when you use the 'Bill Payments' feature to pay for services like Nairobi County parking using their specific paybill number, a small transaction fee will be applied by the bank.

For a complete list of charges, you should refer to the official NatMobile tariff guide on the National Bank website.

What to Do for a PIN Reset

You cannot reset a forgotten PIN using the USSD menu. This is a security measure to protect your account.

If you forget your PIN, you must contact National Bank directly through their official customer service channels.

A bank representative will verify your identity before guiding you through the secure process of setting a new one.

Common USSD Errors

• Connection Problem: This is the most frequent error and it is usually caused by a poor mobile network signal, not an issue with the bank's system. The best solution is to move to an area with better reception and try again.
• Request Timed Out: This message appears if you take too long to respond to a prompt from the menu. The session expires for security. You should simply restart the process by dialing *625# again.