Safaricom will deduct their charges from your Mpesa Account, while Co-operative Bank deducts their charges in your bank account therefore after the transfer, your new Bank account balance will be less the transaction fees.

Transaction charges are:

Range M-Pesa Charges (Charged in your M-pesa Account) Coop Bank Charges (Charged in your Bank Account) Total
Ksh.100 – Ksh. 2,499 Ksh. 30 Ksh. 30 Ksh. 60
Ksh. 2,500 – Ksh. 4,999 Ksh. 50 Ksh. 50 Ksh. 100
Ksh. 5,000 – Ksh. 9,999 Ksh. 75 Ksh. 75 Ksh. 150
Ksh. 10,000 – Ksh. 19,999 Ksh. 100 Ksh. 100 Ksh. 200
Ksh. 20,000 – Ksh. 35,000 Ksh. 150 Ksh. 150 Ksh. 300

Go to the Mpesa menu on your phone and select Pay Bill option.
Enter business no. 400200 (Please confirm with your bank in-case of any change)
Enter your Cooperative Bank Account no.
Enter the amount to transfer (maximum amount per transaction 1s Ksh. 35,000, and Ksh.70,000 maximum within 24 hours)
Enter your M-PESA PIN number
Confirm your details and press OK/Send
Next, you will receive and SMS from M-PESA showing the amount has been transfered from your account, it reads: “XC12FSA7 confirm <amount > sent to Co-operative Bank Money Transfer for accounton 05/12/10 at 11:30 am.New M-PESA balance is”

You will receive an SMS from Cooperative Bank confirming that the money has be transfered to your account: “M-Pesa Paybill Amount =will be transferred to bank A/c,, shortly. Co-operative Bank K Ltd.”

In one hours time, the money will be available in your account for any other transaction e.g online transaction using your ATM card.

Now, to Access money in your bank account for different services, You need to have registered for M banking at any Cooperative Bank Branch.

Then on your phone press *667#. A menu will appear on your phone from which you select what M banking service you need as follows :

5. Mpesa
4. Airtime (Pre-paid only)
3. Utilities
2. Alerts
1. Banking
0. Call center Number

Press the number against the service you need. In our case you press 5 and follow the intuitive wizard. However, you need to be fast in keying in information in each step, if you delay for more than say 60 seconds in a single step, the system does not complete your request and you have to start afresh.

As at the date of this post, Cooperative bank charges a flat fee Ksh. 60 to transfer money to your MPesa account regardless of the amount. You are however limited to transfering a total of Ksh. 75,000 within 24 hours.

I Like the UK’s e-governmnet motto “Digital by default“. It shows real commitment to take government services to the people, not the other way round.

We have an e-Governance Secretariat established by the government of Kenya ( The main objective in the website was to

oversee conceptualization, design and coordination of implementation of information technology activities in the civil service that are geared towards realization of full e-Government in public service delivery.

Essentially, the term e-Government also known as Digital Government, refers to

‘How government utilizes IT, ICT and other telecommunication technologies, to enhance the efficiency and effectiveness in the public sector’ (Jeong, 2007)

The government of Kenya approved a national ICT policy in consultation with relevant agencies which recognized the problems of the different disjoint government systems, duplication and lack of enabling infrastructure. Since then the government has created systems for applying for public service jobs (is it working?), tracking status of passports (dead), exam results notifications (working), a government procurement portal, and submitting tax returns and declaring customs online (perfect). Many other services are still at infant stage but it is still a step in the right direction.

Other successful e-government strategies by the government are:

  1. Establishing a data center and implementation of a shared services platform where common services are integrated and managed centrally to improve services, reduce overhead costs and duplications as well as for optimal utilization of the ICT human capital.
  2. Laid fiber optic cable through the nation but they have not yet provided last mile connectivity to government offices or other users.
  3. Released Open Government Data through opendata datasets concept. The data includes: various dimensions of population data; local and national government authority expenditure; public health indicator data and statistics including hospital locations; education data such as enrollment rates and school locations; parliamentary proceedings (digital Hansard); weather information and detailed census statistics on topics such as access to electricity, water and sanitation.
  4. The government each years offers Local content grants to about 20 developers and artists of up-to $50,000 per project through a competitive process.
  5. Promoting BPO/ITES activities in the country. The Hallmark is the establishment of the grand Konza Technology Park which is billed as the next African Silicon Savannah.
  6. And finally, entrepreneurs are given loans to start Digital villages code named Pasha (meaning disseminate). This initiative aims at establishing Cyber Cafes that providing internet access and various online
    services at the grassroots.

The initiatives are more that what I’ve outlines, and can be a good basis for a Masters or PhD dissertation. I did a slideshare presentation a years back with the same theme, but different components. You can access the link here

Is our e-government strategy working? Are we “more talk and no walk”? What can be done to push the stalled projects forward?