Co-operative Bank’s Lipa na M-Pesa paybill number is 400200 

The Procedure for depositing money via M-Pesa to your Co-operative Bank account is as follows

  1. Go to M-Pesa menu on your phone, select “Lipa na M-Pesa
  2. Select “Paybill
  3. Select “Enter business no.”
  4. Enter the 400200 as the Co-operative Bank business no and press “OK”
  5. Enter the Co-operative Bank account number you are transferring money to and press “OK”
  6. Enter amount i.e. amount you want to deposit and press “OK”
  7. Enter your M-PESA PIN and press “OK”
  8. Confirm all the details are correct and press “OK”
  9. You will receive a verification window from M-Pesa where you have 1 minute to verify that the details are correct, if correct, dismiss or ignore, if wrong, enter the number 1 and press OK to cancel the transaction
  10. You will receive a confirmation SMS from M-Pesa immediately.
  11. Co-operative Bank will then send you a confirmation SMS shortly.
18 replies
  1. Jennifer Njeri
    Jennifer Njeri says:

    I like the lipa na mpesa way of depositing money to co-op bank account, but i have a problem because you dont get the account name you are depositing it to. what if you send to a wrong account how will you know? The verification window only shows the bank name, please check on this

      • Maxi Mired
        Maxi Mired says:

        So two companies have partnered to make depositing money convenient thru transacting from the comfort of your home, but you want that service to be offered for free?!!!! Kwani these r charitable organizations? Kama hutaki kulipia deposit, si you go cue. Kenyans and whining is a twin affair.

  2. snyingi
    snyingi says:

    The service fees are too high 35ksh to deposit by the way who charges to deposit? and again 35ksh to check balance?

    • Vivian
      Vivian says:

      Hi, I tried today and the transaction is 112 which I think is Safaricom who charge the cost,unless coop are in this and are hiding the fact that they are charging us. I am not going to dare again.

    • says:

      Hi Nesh, 400222 is used by Coop Bank as a Collection account. The most common use has been for School fees.

  3. Allan
    Allan says:

    who should address these issue of charges coz the bank seems not to care and speak. Even mpesa does not charge to seposit . Can some one respond to these. I demand

  4. edwinklainz
    edwinklainz says:

    guys this method works if you have mpesa in ur phone and do not want to withdraw then deposit coz if you do ur maths it saves significant amount,fare to nearest branch and time.

  5. Onyango Omollo Oliech
    Onyango Omollo Oliech says:

    It tells me this every time I try to deposit: Failed. The Account Number format you entered is incorrect. Please try again with the correct Account Number.can somebody out there help?


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