Mobile banking has become an essential part of financial management—especially in Kenya, where mobile money services are deeply integrated into everyday life. One of the most reliable and widely used platforms is MCo-op Cash, a mobile banking solution by the Co-operative Bank of Kenya.
Recently upgraded and rebranded as the Co-op Bank App, this platform allows users to access instant loans, transfer money, pay bills, and manage their bank accounts directly from their phones.
This comprehensive guide walks you through everything you need to know—from registration and login to loan applications, repayment methods, and customer support.
MCo-op Cash Quick Reference Table
| Service | Details |
|---|---|
| Official USSD Code | *667# |
| M-Pesa Paybill Number | 400200 |
| Minimum Loan Amount | Ksh 100 |
| Maximum Loan Amount | Up to Ksh 1,000,000 |
| Loan Repayment Period | 1 to 6 Months |
| Lender Status | Licensed & Regulated |
How to Register and Login to MCo-op Cash (New App)
Getting started with MCo-op Cash is simple and user-friendly. You can register either via USSD or the updated mobile application.
1. Register via USSD
- Dial
*667#on your mobile phone - Follow the prompts to link your Co-op Bank account
- Set your secure PIN
2. Download the New App
The old MCo-op Cash app has been replaced by the Co-op Bank App. You can download it from:
- Google Play Store
- Apple App Store
3. Login to the App
- Enter your registered phone number
- Input your 4-digit PIN
- Access your dashboard instantly
Tip: The new app offers improved speed, security, and a cleaner interface for easier navigation.
How to Apply for MCo-op Cash Loans (Instant E-Loans)
One of the standout features of MCo-op Cash is its instant loan service. Whether you need emergency funds or business capital, the platform provides quick access to credit.
Step-by-Step Loan Application:
- Dial
*667#or open the Co-op Bank App - Enter your PIN
- Select Loans
- Check your loan limit
- Choose Apply for Loan
- Select repayment duration
- Confirm your request
Once approved, funds are credited instantly to your account.
How to Repay Your MCo-op Cash Loan
Repaying your loan on time helps improve your creditworthiness and increases your future borrowing limit.
Option 1: Via M-Pesa Paybill
- Go to M-Pesa
- Select Lipa na M-Pesa → Paybill
- Enter Business Number: 400200
- Use your Co-op Bank account number as the account number
- Enter amount and confirm with PIN
Option 2: Via USSD or App
- Log in via
*667#or the app - Navigate to Loans
- Select Pay Loan
- Confirm payment
Additional MCo-op Cash Services
Beyond loans, MCo-op Cash offers a full suite of banking services:
- Balance Inquiry: Check account balance anytime
- Mini Statements: View recent transactions
- Money Transfers: Send money to M-Pesa or other bank accounts
- Bill Payments: Pay electricity, TV subscriptions, water bills, and more
- Airtime Purchase: Buy airtime directly from your account
Customer Care and Support
If you encounter any issues such as delayed transactions, login errors, or failed loan disbursement, you can contact customer support through:
- Call Center: 0703 027 000 / 020 277 6000
- WhatsApp: 0736 690 101
- Email: customerservice@co-opbank.co.ke
Customer support is responsive and available to assist with all your banking needs.
Frequently Asked Questions (FAQ)
1. Is MCo-op Cash a legitimate loan provider?
Yes, it is a product of Co-operative Bank of Kenya, a fully regulated financial institution.
2. What is the Paybill number?
The official Paybill number is 400200.
3. How can I increase my loan limit?
- Maintain regular account activity
- Process your salary or business income through the bank
- Repay loans on time
4. Why can’t I find the MCo-op Cash app?
It has been rebranded. Search for the Co-op Bank App instead.
5. What if I don’t receive an SMS confirmation?
- Check your network signal
- Ensure your inbox is not full
- Use mini-statement option or contact support
Conclusion
MCo-op Cash, now integrated into the Co-op Bank App, remains one of Kenya’s most reliable mobile banking platforms. With instant loans, convenient repayment options, and a wide range of financial services, it empowers users to manage their finances anytime, anywhere.
Whether you’re an individual looking for quick credit or a business owner managing cash flow, MCo-op Cash provides a secure and efficient solution right at your fingertips.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Always review the official terms and conditions before applying for any loan.