Licensed and regulated by the Central Bank of Kenya. Deposits protected by the KDIC (Kenya Deposit Insurance Corporation).

Two ways to bank. Zero friction.

Full-featured app for your smartphone, or a USSD menu that works on any phone at all — no data, no queue, no compromise.

+254 713 112 791

Free balance enquiry · SMS alert on every transaction

Good afternoon,
Wanjiku K.
WK
Current · ••4821
KES ••••••
Send Pay Bill Airtime Withdraw
Recent activity
Sent to J. Mwangi Today, 10:42am
-2,500
KPLC Token Purchase Yesterday
-1,000
M-Pesa Deposit Mon, 3:10pm
+15,000
Withdraw to M-Pesa
SMS on every transaction

Try it before you dial

USSD SESSION · *356#

U&I Mobile Money

Tap through the live menu below the way you would on your handset — no internet needed.

Dial code *356#
  • Works on any mobile phone
  • No internet or data bundle needed
  • Balance enquiry is free of charge
1

Open Lipa na M-Pesa

From the M-Pesa menu, choose Pay Bill.

2

Enter Paybill 509900

This is the U&I Microfinance business number.

3

Enter your account number

Use your U&I account number as the account.

4

Enter the amount

Type how much you want to deposit.

5

Confirm with your PIN

Enter your M-Pesa PIN and send — funds reflect instantly.

Move money into your U&I account in seconds — no branch visit needed.

U&I Paybill Number 509900 Account number = your U&I account number

Everything, right from your phone

Check balance

Free balance enquiry, any time of day.

Send money

To M-Pesa, other banks or U&I accounts.

Buy airtime

Top up Safaricom, Airtel, Yu or Orange.

Pay utilities

DSTV, water, GoTv, Zuku and more.

Pay merchants

Enter a till code and pay on the spot.

Manage PIN

Change your secret PIN securely.

Need help getting started?

Our team can walk you through the app, USSD, or depositing via M-Pesa.

Chat with us on WhatsApp