A few months ago, I was stuck in a frustrating situation. My power was disconnected late in the evening, and I had no mobile data left to purchase electricity tokens. With no internet and no nearby agents available, I remembered NCBA’s USSD code I had seen on a banking poster. I dialed *654#, followed the simple prompts, and within minutes, the lights were back on.
That experience made me realize how powerful NCBA’s USSD codes are for everyday banking—especially when you don’t have access to the internet. If you’re curious about how these codes work, how to use them, and why they’re essential, keep reading.
What Are NCBA USSD Codes?
NCBA USSD codes are short, interactive number combinations that allow NCBA customers to perform banking transactions directly from their mobile phones without internet access. USSD stands for Unstructured Supplementary Service Data, and it works by connecting you directly to your bank’s servers in real time.
Key Benefits of NCBA USSD Codes:
- No Internet Required: Works on all phone types, from basic feature phones to smartphones.
- Real-Time Transactions: Faster than SMS banking and more reliable.
- Secure: PIN-protected for every transaction.
- Convenient: Accessible 24/7 from anywhere in Kenya.
A Snapshot of NCBA Bank
NCBA Bank was established in 2019 following the merger between NIC Bank and Commercial Bank of Africa (CBA). As a top financial institution in Kenya, NCBA has built a reputation for innovation, offering services that cater to both urban and rural customers.
By introducing dual USSD codes, NCBA ensures all customers—whether previously with CBA or NIC—can access banking services seamlessly.
The Complete List of NCBA USSD Codes
For Former CBA Customers:
- Dial: *654#
- Services Available:
- Check account balance
- Transfer money to NCBA and other banks
- Pay utility bills (electricity, water, TV subscriptions)
- Buy airtime
- Access loan and savings services (e.g., Mshwari)
For Former NIC Customers:
- Dial: *488#
- Services Available:
- Check balance
- Transfer money
- Pay bills
- Buy airtime
NCBA USSD Code Features Comparison:
| Feature | *654# (ex-CBA) | *488# (ex-NIC) |
|---|---|---|
| Check Account Balance | ✅ Yes | ✅ Yes |
| Money Transfers | ✅ Yes | ✅ Yes |
| Pay Utility Bills | ✅ Yes | ✅ Yes |
| Buy Airtime | ✅ Yes | ✅ Yes |
| Access Loans (Mshwari) | ✅ Yes | ❌ No |
How to Use NCBA USSD Codes Step by Step
Follow these steps to complete a transaction using NCBA’s USSD codes:
- Dial the Code: Use either *654# (for ex-CBA) or *488# (for ex-NIC).
- Select a Service: Choose from balance inquiry, transfers, bill payments, or airtime top-up.
- Follow the Prompts: Enter the required details, such as the recipient’s account number or bill reference number.
- Input Your PIN: Confirm your identity by entering your NCBA mobile banking PIN.
- Transaction Confirmed: A confirmation message will be sent instantly.
✅ Pro Tip: Save the codes as contacts for quick access in emergencies.
Why NCBA USSD Codes Are Essential
NCBA USSD codes provide unmatched accessibility and convenience for customers. Here’s why they’re a must-have:
- Works Anywhere: Ideal for rural areas where internet access may be limited.
- Time-Saving: No need for branch visits—everything can be handled on your phone.
- User-Friendly: Simple menus designed for all user levels.
- Secure: Every transaction requires a PIN for enhanced security.
Troubleshooting Common USSD Issues
Though reliable, USSD codes can sometimes experience minor glitches. Here’s how to resolve them:
- “Connection Error” Message: Move to an area with better network coverage and retry.
- Incorrect PIN: Ensure the PIN entered is correct. If locked out, contact NCBA customer service for assistance.
- Failed Transactions: Verify recipient details and account balance before confirming.
Exploring the NCBA NOW Mobile App
While USSD codes offer essential banking services, NCBA also offers the NCBA NOW App for a richer experience. If you have a smartphone and internet access, the app provides:
- Transaction History: Access detailed reports of all transactions.
- Budgeting Tools: Set financial goals and track spending.
- Enhanced Security: Multi-factor authentication and biometrics.
How to Migrate from USSD to the NCBA NOW App:
- Dial *654# or *488#.
- Select the option to migrate to the NCBA NOW app.
- Download the app from the Play Store or App Store and follow the registration steps.
How NCBA USSD Codes Support Financial Inclusion
NCBA’s digital services, especially USSD banking, play a crucial role in financial inclusion across Kenya.
- Bridging the Digital Divide: Providing services for both smartphone users and those using basic phones.
- Empowering SMEs: Enabling easy transactions and bill payments for small business owners.
- Promoting Cashless Transactions: Encouraging digital payments for daily needs.
Frequently Asked Questions (FAQs)
Q1: Can I access loans using NCBA USSD codes?
Yes, Mshwari loans are accessible through *654# for former CBA customers.
Q2: Is it safe to use USSD codes for banking?
Absolutely! Each transaction requires PIN authentication, ensuring security.
Q3: Are the USSD codes chargeable?
Standard mobile network charges may apply when dialing USSD codes.
Q4: Can I register for NCBA mobile banking using USSD?
Yes, you can self-register directly through *654# or *488#.
Why You Should Be Using NCBA USSD Codes
NCBA’s USSD banking codes offer a fast, secure, and reliable way to manage your money—anywhere, anytime, without an internet connection. Whether you need to send money, check your balance, or pay bills, *654# and *488# simplify it all.
If you’re already an NCBA customer, try using the codes today for maximum convenience. And for a more advanced banking experience, consider downloading the NCBA NOW App to explore even more features!
