How to Send and Withdraw Money Between MPESA and Postbank in Kenya

Since the pandemic, social distancing rules have forced many businesses to go online or adopt mobile money solutions like MPESA. And honestly, that’s made life a whole lot easier. Whether it’s paying for groceries, topping up airtime or sending money to family, MPESA has become Kenya’s go-to cashless method—and for good reason.

Thanks to digital banking innovations, even Postbank—one of Kenya’s oldest financial institutions—has caught up with the times. With their mobile money integration through Patacash, customers can now deposit or withdraw funds via MPESA, without having to step into a banking hall.

Let’s break down how you can deposit and withdraw money between MPESA and your Postbank account—right from your phone.

How to Deposit Money to Your Postbank Account via MPESA

Here’s how to top up your Postbank account directly from your MPESA wallet in just a few taps:

Step-by-Step Guide:

1. Open your MPESA menu on your phone.

2. Select Lipa na MPESA.

3. Tap on Pay Bill.

4. Enter the Postbank Paybill number: 200999.

5. Under Account Number, enter your full Postbank account number.

6. Type in the amount you want to deposit.

7. Enter your MPESA PIN and confirm.

8. You’ll receive a confirmation message once the transaction is successful.

That’s it—you’ve just topped up your Postbank account without leaving your house!

How to Withdraw Money from Postbank to MPESA Using USSD

Before you start, make sure you’ve registered for Postbank Mobile Banking at your nearest branch. This service, branded as Patacash, is available in partnership with Safaricom, allowing seamless withdrawals from your Postbank account to MPESA.

Withdrawal Steps Using USSD:

1. Dial *498# on your phone.

2. Follow the prompts to initiate a withdrawal.

3. You’ll receive a reference number via SMS. Note it down.

4. Dial *498# again and enter the reference number.

5. Set or enter your PIN to confirm the transaction.

6. Once completed, the money will be sent to your MPESA wallet.> Note: If you’re not registered for mobile banking, you’ll need to visit a Postbank branch and fill in a registration form.

Why This Matters

With the banking industry going digital, services like MPESA-to-Postbank transfers save time, eliminate queues and keep your finances accessible 24/7 even in rural areas. Whether you’re a business owner, student or someone supporting family from afar, this convenience is a game changer.

Quick Recap:

Ready to simplify your banking experience? If you’re a Postbank customer and haven’t signed up for mobile banking yet—now’s the time. Stay safe, go cashless and keep your money moving with just a few taps on your phone.