Mobile Banking

Patacash is an upgraded mobile banking service (i.e. enhancement of the SMS banking services) that now allows customers to transfer funds from their Postbank account to M-PESA or to another Postbank account. The patacash service is offered under partnership with mobile network provider, Safaricom.


  • Check account balance.
  • Funds transfer.
  • Transfers to Mobile Network Operators (MNO) wallets.
  • Bill payment.
  • School fees payment.
  • Airtime Purchase.
  • Postbank wallet account (Virtual Account).
  • Savings Group operations (M-Chama).
How to access mobile banking services
  • Postbank mobile services can be activated through two major ways:
    • Through a USSD code, *498#.
    • By installing a Postbank mobile app.Postbank mobile services can be activated through two major ways:
  • Before using the USSD code *498# and mobile app, visit the nearest Postbank branch and fill in a form to register for mobile banking.
  • The Postbank application is available on Google Play store.
How to Deposit money to your Account or any other Postbank account using M-PESA (Pay Bill or Lipa Na Mpesa)
  • Go to the M-PESA menu on the Mobile phone and select
  • Select “Pay Bill or Lipa Na Mpesa
  • Enter the Postbank business number 200999
  • Enter Your Full Postbank Account Number
  • Enter the amount you wish to deposit
  • Enter your Mpesa PIN Number.
  • Transaction details will be displayed on your phone screen (e.g. Pay Bill 200999, Your Account Number, and Amount).
  • Confirm details are correct by inputting your Mpesa PIN and select “OK” to complete the transaction.
How to use the USSD code
  • Dial *498# in order to access the USSD platform.
  • A reference number will be sent to the customer’s phone.
  • The customer must then redial *498# and will be prompted to input the reference number.
  • After inputting the reference number, the customer will be prompted to enter and confirm a new PIN.
  • After successful activation, you will receive a confirmation message.
  • Dial *498# and chose options for mobile banking.