USSD codes allow bank customers to access financial services quickly and securely without the internet on their mobile phones. Stanbic Bank Kenya offers a USSD service with a short code for customers to transact on the go conveniently.
The telecommunications-based service is fast, reliable, and available 24/7. Stanbic customers can use the USSD menu to check account balances, view statements, transfer funds, pay bills and loans, and buy airtime.
All these transactions are possible directly on your phone without apps or internet bundles. USSD is ideal when you need urgent access to banking services but don’t have stable internet connectivity.
This guide covers everything you need about Stanbic Kenya’s USSD service.
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How to Dial Stanbic Bank Kenya USSD Code
The first step is dialing the right USSD code to access Kenya Stanbic mobile bank services. The bank’s USSD shortcode is *990#
To use it:
- On your mobile phone, type in *990#
- Hit the call button to initiate the prompt
- Choose your preferred language
- Follow the menu prompts to select desired transactions
- Input your PIN when prompted to authenticate transactions
- Confirm details to complete your transaction
Once connected, you simply follow instructions from the intuitive menu. Services are organized into logical sections, making finding what you need easy.
Registering for Stanbic Bank Kenya USSD Service
Before transacting via USSD, you first need to register your phone number. Registration activates the service for your line, enabling secure access.
To register via USSD:
- Dial *990# and select preferred language
- Choose ‘Register’ option
- Input your national ID or passport number
- Type in mobile number you wish to register
- Create your PIN when prompted
Your number will be added to the Stanbic system for USSD access. The PIN you create will be used to authenticate transactions going forward.
Navigating Stanbic Kenya Mobile Banking Menu
The USSD menu is divided into sections for different services accessible directly on your mobile:
Account Information
Check your balances, account statements and transaction history.
Options here include:
- Account balance
- Mini statement
- Loan balance
- Last 3 transactions
Funds Transfer
Transfer money between your Stanbic accounts or to third parties. Options are:
- Own account transfer
- Third party transfers
- Mobile banking payments
Transacting
Carry out transactions including:
- Airtime and data purchase
- Bill payments like utilities and shopping
- Loan repayment
Card Services
Card related services like:
- Activating new card
- Blocking lost card
- Setting card withdrawal limits
Other Services
Additional options like:
- Generating account number
- Updating PIN
- Contacting customer care
The logical structure and prompts make navigating the menu effortless.
How to Check Account Balance via Kenya Stanbic Bank USSD Code
Checking your account balance is easy via USSD without needing internet. Simply:
- Dial *990#
- Select ‘Account Information’
- Choose ‘Account Balance’
- Input account number and confirm
Your account balance will be displayed on the screen. Repeat and input other account numbers to verify their balances as well.
For savings accounts, you can check both the ledger and available balances. The steps are the same, select the specific balance type you need under the ‘Account Balance’ option.
How to View Mini Account Statement via USSD
To view a mini statement showing your last 5 transactions:
- Dial *990#
- Select ‘Account Information’
- Choose ‘Mini Statement’ option
- Input account number and confirm
- Your mini statement will be displayed with the last 5 transactions.
For an extended statement, visit a branch or check online/mobile banking. But USSD mini statements allow quick access to recent transaction history.
How to Transfer Money Via Stanbic Kenya USSD
Stanbic customers can quickly send money to other Stanbic accounts or registered mobile money numbers using USSD.
To own account:
- Dial USSD code and enter menu
- Select ‘Funds Transfer’
- Choose ‘Own Account Transfer’
- Input amount and source account
- Type in receiving account
- Confirm details to complete transfer
To third party:
- Dial USSD code, enter menu
- Select ‘Funds Transfer’
- Choose ‘Third Party Transfer’
- Input amount
- Type in receiver’s account or mobile number
- Confirm details to send funds
USSD transfers are instant and fees are minimal. Maximum transfer limits apply. You get an SMS notification once transfer is complete.
Paying Bills via Stanbic Kenya USSD Banking
Paying bills is convenient through Stanbic’s USSD without visiting branches or using apps. Key bill payments accessible include:
- Utilities – electricity and water bills
- Telecom services – phone and internet bills
- Merchant payments – shops, supermarkets etc.
- School fees – for popular schools and colleges
Steps to pay bills:
- Dial USSD code and enter menu
- Select ‘Transacting’ option
- Choose ‘Pay Bill’
- Pick bill category and enter billing details
- Confirm amount and reference
- Enter your PIN to complete payment
Once paid, you receive an SMS confirmation. USSD billers directory has 100+ billers enabling quick payments.
How to Buy Airtime and Data via USSD
Purchasing airtime or data bundles is straightforward via USSD.
To buy airtime:
- Dial USSD code and enter menu
- Select ‘Transacting’
- Choose ‘Buy Airtime’ option
- Input recipient phone number
- Enter amount and service provider
- Confirm details to finish purchase
To buy data bundles:
- Dial USSD menu
- Pick ‘Transacting’
- Select ‘Data and Bundles’ option
- Choose data amount needed
- Confirm details to purchase bundles
You get an SMS notification when airtime or data purchase is successful.
Card Activation and Management via USSD
The USSD menu enables customers to activate new cards received in the post for use. You can also block lost cards instantly without having to call the bank.
To activate card:
- Dial USSD code and enter menu
- Select ‘Card Services’
- Pick ‘Activate Card’ option
- Enter card number and 4-digit CVV code
- Create card PIN when prompted
Your new card will be active for use after successful activation via USSD.
To block card:
- Dial USSD code
- Choose ‘Card Services’
- Select ‘Block Card’ option
- Input card number to block
- Confirm details to disable the card
Reset Stanbic Kenya USSD PIN
If you forget your USSD PIN, you can easily reset it via the self-service menu.
Steps:
- Dial USSD code
- Select ‘Other Services
- Choose the ‘Change PIN’ option
- Enter ID number when prompted
- Input the new PIN you want
- Confirm new PIN again
Your new PIN will be updated and active immediately.
USSD Transaction Limits
While fast and convenient, USSD transactions have limits for security purposes. The main limits are:
- The maximum transfer amount is KES 70,000 per day
- Daily airtime purchase limit is KES 10,000
- The maximum bill payment amount via USSD is KES 9,999
- The daily limit for paying school fees is KES 25,000
Always stay within the set limits to avoid declined transactions. Visit a branch if you need to transact above the limits.
USSD Service Fees and Charges
Stanbic Kenya USSD service attracts very minimal charges. It’s affordable for routine transactions on the go. The main fees are:
- Free registration and menu access
- KES 30 fee per PIN change request
- KES 10 fee for own account transfers
- KES 25 fee for third-party transfers
- Free for bill payments and airtime purchase
No costs are charged for simply checking balances, statements, or other information. Only transactions attract small fees.
Troubleshooting Stanbic Kenya USSD Issues
Stanbic’s *990# USSD code offers reliable service. But occasionally, you may encounter issues like:
Slow responses
This could arise during peak times when traffic on the USSD system is high. Try dialing again after some time when traffic has reduced.
Transaction errors:
Wrong input of details like account number or amount can lead to errors. Follow the prompts carefully and double-check the details entered.
Timeouts:
USSD sessions time out after about two minutes of inactivity. Complete your transaction promptly before timeout. If timed out, simply redial and reconnect.
Unregistered phone:
First register your number via the registration menu before trying other transactions.
Forgotten PIN:
Use the PIN reset option in the menu to set a new PIN if you have forgotten it.
Language issues:
Switch between English and Kiswahili if you have trouble understanding menu prompts.
Still having trouble? Contact Stanbic customer care directly for further assistance with your USSD queries.
Customer Service Contacts
Should you need help with the Stanbic Kenya USSD service, you can get assistance via:
- Twitter: @StanbicKE
- Facebook: @StanbicBankKenya
Stanbic staff are ready to help fix any USSD issues or answer your queries. Reach out via phone, email or social media during business hours.
Read Also: FIRST BANK NEW USSD CODE – How To Activate, Buy Airtime, Check Balance and Transfer
To Sum Up
Stanbic Bank Kenya has a robust, feature-rich USSD service that enables banking on the go. By dialing the simple *990# shortcode, customers can access a wide array of prompt-driven transactions 24/7.
The service is secure, affordable, and convenient for customers who need urgent banking without the Internet.
Understanding the menu structure and following prompts makes using Stanbic’s USSD platform seamless.
Withdrawals, transfers, bill payments, and airtime top-ups are effortless directly on your mobile phone using only USSD.
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