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 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 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.

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 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.