The validation process and consequent change of PIN cannot be completed. You will need to have at least Kes. 1/- in your M-Pesa account before beginning the reset process.

You will not be able to successfully do a PIN reset unless you have the correct M-Pesa PIN. However, you can still call the Contact Centre via 0703027000 or visit your nearest Co-op Bank Branch for assistance.

If your M-pesa pin is compromised, and to prevent someone else from resetting your pin, urgently call our contact center for your account to be blocked to prevent someone else from resetting your pin.

Co-op Bank App Salary Loan is available to those who receive their Salary through a Co-op Bank account. There is no need for your employer to have an MOU (prior agreement) with the bank.

Loan features:

1. You can apply for up to 1.5 (& 2) times your net salary as received in your Co-op Bank account, from a minimum of 1000 up to a maximum of Kes 500,000.
   To apply for the loan:
   – Dial *667# download the Co-op Bank App on Google Play store or App Store
2. The loan amount is deposited in your Co-op Bank app account, less the fee of 8% for 1 month loan, 10% for 2 months loan, and 12% for 3 months’ loan that is deducted upfront. Also deducted upfront is the insurance fee of 0.034% and an excise duty of 20%. You can transfer the money to your co-op bank account or you can withdraw cash at any Co-op Bank ATM or Co-op Kwa Jirani Agent. You can also send the money directly to your Mpesa or someone else’s Mpesa.

You will be charged a one-off fee of 8% for a term of 1 month, 10% for a loan term of 2months and 12% for a loan term of 3 months, on the loan amount + 0.034% pm insurance fee (insurance is for all loan types) + excise duty of 20%. The fees are deducted upfront (i.e., before the money is deposited in your Co-op Bank App wallet account). For example, if you request a loan of Kes 10,000:

You can choose to repay the loan in 1 month, 2 months or 3 months. The total cost of the loan will vary depending on the loan term you choose to repay your loan i.e. in 1 month, 2 months or 3 months.

Yes. If you have an existing Co-op Bank app loan, you are allowed to top-up after repaying at least 1 instalment.

Yes, you can apply for Co-op Bank App salary loan if you have another loan with Co-op Bank.

Your salary can be received in any Co-op Bank account except the pure savings (Hekima) account.

You can apply for the loan after receiving at least 1 salary credit.

You can visit the nearest Co-op Bank branch, call customer service on 020 2776000 / 0736 690101 / 0703 027000 or email customerservice@co-opbank.co.ke.

1. Borrowing history.
2. Overdrawn salary account.
3. Co-op Bank app loan arrears.
4. Any other Co-op loan in arrears.

The loan repayments will automatically be deducted from your salary account when they’re due. Loans taken between 1st and 10th fall due on 19th of the same month Loans taken between 11th and 31st fall due on 19th of the following (consecutive) month.

You can also initiate payment from;

1. Your salary account or any other Co-op Bank account that you have linked to your Co-op Bank app.
2. Your Mpesa number or someone else’s Mpesa number, through paybill 400200. Account number: your salary account.

How to repay your Co-op Bank app loan

1. Log into Co-op Bank app or by dialing *667#.
2. Select ‘LOANS’.
3. Select ‘PAY LOAN’.
4. Follow instructions.