Many Kenyan banks provide convenient options for moving funds directly from a bank account to an M-Pesa wallet through mobile banking or internet banking services. Depending on your bank, you can use a USSD code, mobile app, or online banking platform to complete the transaction.

Requirements

Before initiating a transfer, ensure you have the following:

Active Accounts

• A valid M-Pesa account registered under your phone number
• An active bank account with a participating bank
• Your M-Pesa PIN
• Access to your bank account credentials

Mobile Banking Setup

To transfer money using USSD or mobile banking services, you must first enroll for your bank's mobile or internet banking platform. This may involve:

• Registering for mobile banking services
• Activating internet banking access
• Obtaining your bank's USSD code
• Knowing the relevant Paybill or transfer options provided by your bank

Steps for Sending Money from a Bank Account to M-Pesa

Although the process may vary slightly between banks, the general procedure is as follows:

1. Dial your bank's USSD code or log in to the bank's mobile banking platform.
2. Navigate to the money transfer section.
3. Select the option to send funds to M-Pesa.
4. Enter the recipient's mobile number.
5. Key in the amount you wish to transfer.
6. Review the transaction details carefully.
7. Confirm the transaction using your banking PIN or password.
8. Wait for confirmation messages from both the bank and M-Pesa.

Once the transaction is successful, the funds will be credited to the specified M-Pesa account and can be used immediately for payments, transfers, or withdrawals.