The Cooperative Bank PayBill service offers a seamless way to deposit money into Co-op Bank accounts via M-Pesa. With two key PayBill numbers, 400200 and 400222, customers and businesses can manage their transactions efficiently.
How to Deposit Money via Cooperative Bank PayBill 400200
To send money to any Co-op Bank account:
- Go to Lipa na M-Pesa on your M-Pesa menu.
- Select Pay Bill and enter 400200 as the Business Number.
- Enter the Co-op Bank account number you wish to deposit to.
- Enter the amount you want to transfer.
- Input your M-Pesa PIN and confirm the transaction.
- You’ll receive an M-Pesa confirmation SMS immediately, followed by another SMS from Co-op Bank with deposit details.
For added convenience, you can also use the Mco-opCash app, available on Google Play Store and Apple Store, to send money directly.
MCollection PayBill 400222: Ideal for Business Payments
The 400222 PayBill is tailored for businesses receiving bulk payments, such as schools or property managers. It simplifies account reconciliation, enabling customers to include identifiers like student numbers or house numbers in the payment details.
Steps for Customers Using PayBill 400222:
- Go to Lipa na M-Pesa and select Pay Bill.
- Enter 400222 as the Business Number.
- Input your MCollection Business Code followed by
#
(e.g., 123456#). - Optionally, add identifying details like a student number or house number after the
#
. - Enter the amount and your M-Pesa PIN.
- Confirm the payment.
Both you and your customer will receive SMS notifications confirming the transaction.
Differences Between PayBill 400200 and 400222
- 400200: Used for general deposits into personal or business accounts.
- 400222: Designed for registered MCollection accounts, allowing easy identification of payments through unique business codes and customer references.
Benefits of Using MCollection PayBill 400222:
- No registration fees or commissions for businesses.
- Instant payment reflection in your account.
- Easy reconciliation with customer identifiers.
- SMS and email notifications for every transaction.
Common Issues and Solutions
- Wrong PayBill Number: Visit any Co-op Bank branch to request a reversal.
- Payment Not Reflected: Contact your banker or call the Co-op Bank contact center. Delays are typically resolved within 24 hours.
Conclusion
Whether you’re an individual or a business, the Cooperative Bank PayBill numbers 400200 and 400222 offer efficient, secure, and user-friendly solutions for managing financial transactions. For businesses, MCollection provides enhanced reconciliation and tracking features, ensuring smooth financial operations.

