Cooperative Bank of Kenya Mobile Banking

Cooperative Bank of Kenya Mobile Banking

Cooperative Bank of Kenya Mobile Banking -MOBILE BANKING (MCO-OP CASH)

Cooperative Bank of Kenya Swift Code

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Making time for the bank can be tough, but banking shouldn’t be an inconvenience. We have therefore made it possible for you to bank anytime and anywhere!

Some people love to go to the bank, but if you are not one of them, we completely understand. Transact straight from your phone by simply dialing *667# or via the MCo-op Cash App.

Cooperative Bank of Kenya Mobile Banking App: To download the app, go to Google Play Store  or the Apple Store.

Cooperative Bank of Kenya Mobile Banking Details:

With MCo-op Cash, you can access these services:

  1. Deposit or save money
  2. Apply and pay for a loan
  3. Send money to another MCo-op Cash Account, Co-op Bank Account or SACCO Account
  4. Send money to other mobile money services, for example, M-PESA
  5. Withdraw money at a Co-op Agent or Co-op ATM
  6. Transfer money to and from your Co-op Account or SACCO Account
  7. Buy airtime for any mobile number
  8. Pay bills, for example, KPLC, DStv, KRA Tax and Insurance
  9. Pay for goods and services
  10. Pay fees, for example, school fees or rent
  11. Check your account balance or get a statement
  12. Buy, sell or transfer shares
  13. Activate SMS alerts for debits and credits


Frequently Asked Questions:

1. What is the monthly commission of the loan?

You will be charged 1.083% of the loan applied.

2. What is the repayment period?

The loan is payable in monthly installments for a maximum a period of 6 months.

3. Can I apply for MCo-op Cash Business loan if I have another loan with Co-op Bank, e.g. Personal Loan?

Yes as long as you do not have any other MCo-opcash loan.

4. Can I apply for the loan immediately I register for MCo-opcash?

Yes, as long as you have been pre-qualified.

5. What if I don’t repay the loan in 30 days?

You will be listed with CRB

6. What if my loan application is declined?

You can visit the nearest Co-op Bank branch, call customer service on 020 2776000 / 0736 690101 / 0703 027000 or email

7. What are some of the reasons a loan application can be declined?

1. Negative CRB score

2. Overdrawn business account

3. MCo-opcash loan arrears

8. How will I repay the loan?

The loan repayments will automatically be deducted from your business account when they’re due.
You can also initiate payment from;

  • Your business account or any other Co-op Bank account that you have linked to your MCo-opCash.
    • Log into MCo-opCash by dialing *667# or through the MCo-opcash app
    • Select ‘LOANS’
    • Select ‘PAY LOAN’
    • Follow instructions
  • Your Mpesa number or someone else’s Mpesa number, through paybill 400200. Account number: your business account.

9. How do I check my loan balance?

1. Log into MCo-opcash by dialing *667# or through the Mco-opCash app

2. Select ‘LOANS’


4. Select ‘LOAN BALANCE’

5. Follow instructions

10. How many times can I apply for the loan?

You can apply for the loan as many times as possible, but you can only qualify for one MCo-opcash loan at a time

11. If I have more than one registered mobile number, can I register for more than one Mco-opcash account and apply for several loans?

You can register more than on MCo-opcash account, but you can only take one MCo-opcash loan at a time.

12. Can I top up my loan?


13. Can I access MCo-opcash outside Kenya?

Yes. Through the MCo-opcash app which is internet based

14. What if I lose network signal during a transaction?

Whenever you successfully complete a loan application you will receive a confirmation message that the loan application is successful and the amount has been deposited in your MCo-opcash account. if you do not receive this message due to a lost signal, check your account and re-apply for the loan if it did not get processed.

15. What if I lose my phone?

Your money is safe because your Mo-opcash PIN protects your MCo-opcash account. you are advised to block and replace your SIM card with your mobile phone service provider. With the new SIM card in place, and as long as you have maintained the same mobile number, you can continue to use your MCo-opcash through *667#. To access through the app on your new phone, you will need to visit the nearest branch in order to re-set your new phone. This is a security measure the bank has put in place to protect you from fraud.

16. What if I forget my MCo-opcash PIN?

  1. Dial *667# and reply with 1
  2. To accept terms and conditions, reply with 1
  3. Enter your National ID or passport number (whichever you used to register for MCo-opcash)
  4. Select your preferred option which is either 1. Reset PIN via Mpesa transaction or 2. Call contact center number 0703 027000
  5. If you select option 1. Reset PIN via Mpesa transaction, an Mpesa screen will appear requesting you to confirm deposit of Kshs 1.00 to your MCo-opcash account by entering your Mpesa PIN. If you enter the wrong Mpesa PIN you will be required to repeat the process.
  6. Once you enter the Mpesa PIN, you will receive an SMS with a 6-digit password. This password expires after 30 minutes, after which you will be require to repeat the process. If you do not receive the password, call our contact center on 0703 0270000
  7. Redial *667# and enter this 6-digit password
  8. You will be asked to enter and confirm your preferred new MCo-opcash PIN

17. Can I reset my PIN through the MCo-opcash app?

No. the service is currently only available through *667#.

18. If I default on the loan, will the bank access money in my other Co-op Bank accounts?

Yes. The loan is deducted from any of your Co-op bank accounts.

19. How do I withdraw cash at the ATM?

1. Log into MCo-opCash through *667# or MCo-opCash app


3. Select ATM

4. Follow the instructions

5. Receive SMS with a 6-digit SECRET CODE. (valid for only 2 hours)

6. On the ATM screen, click MCO-OPCASH WITHDRAWAL

7. Enter your MCo-opCash number, the Amount, and the Secret Code to complete the withdrawal

Withdrawal at the ATM costs Kes 30 for any amount up to Kes 40,000. You can withdraw up to Kes 40,000 per transaction up to a maximum of Kes 200,000 per day

20. How do I withdraw cash at a Co-op Kwa Jirani Agent?

1. Log into MCo-opCash through *667# or MCo-opCash app



4. Follow the instructions

5. Receive SMS with a REFERENCE NUMBER

6. Give the reference number, your MCo-opCash number, and original ID/Passport to the agent to complete the withdrawal.

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