Quick Answer: What is Absa USSD Code?
*The Absa USSD code is 224# – a mobile banking service that works on any phone without internet. You can check balances, send money, pay bills, and apply for loans instantly. Transactions are free for most services, and it works 24/7 across Kenya.
Key Features at a Glance:
- Code to Dial: *224#
- Cost: Free for balance checks and most transactions
- Requirements: Absa bank account + registered phone number
- Works On: Any phone (smartphone or basic phone)
- Internet Needed: No
- Available: 24/7
Introduction
Picture this: you’re in a matatu heading to work, and you suddenly remember you need to send money to your cousin for school fees. Your phone’s data bundle ran out yesterday, and you’re rushing. What do you do?
This is where the Absa USSD code becomes your best friend. With just a simple dial of *224#, you can handle your banking needs anywhere, anytime – no internet, no apps, no stress. Whether you’re a student, a business owner, or someone who prefers simple solutions, this service puts banking power right in your pocket.
Over 3.5 million Kenyans use USSD banking services daily because they’re fast, reliable, and work on even the most basic phones. Let me show you exactly how to make the most of Absa’s *224# service.
Looking for extra income? Or want to promote your business? You’re in the right place. While managing your money with Absa USSD, you can also learn how to earn money online or promote your business to thousands of Kenyans.
What is Absa USSD Code?
The Absa USSD code (*224#) is a mobile banking service that allows you to perform banking transactions directly from your phone without requiring internet access. USSD stands for Unstructured Supplementary Service Data – a technology that’s been around since the early days of mobile phones.
Think of it as having a mini-bank branch on your phone. Instead of visiting an ATM or branch, you simply dial *224#, and a menu appears on your screen with various banking options. You can then navigate through these options using numbers on your keypad.
How Does USSD Technology Work?
Unlike mobile apps that need data bundles or WiFi, USSD works through your mobile network’s basic infrastructure. When you dial *224#, your phone sends a signal to your mobile operator, which then connects to Absa’s banking system. The whole process happens in real-time, which is why responses are almost instant.
According to the Communications Authority of Kenya, over 65% of mobile money transactions in Kenya still happen through USSD channels, proving just how reliable and popular this technology remains.
Why Kenyans Need Absa USSD Code
1. Banking Without Internet
Not everyone has reliable internet access. In many parts of Kenya, especially rural areas, mobile data coverage can be spotty. The Absa USSD code works everywhere your phone has basic network coverage – no data needed, no connection problems.
2. Works on Any Phone
You don’t need a fancy smartphone. Whether you have the latest iPhone or a KSh 1,500 feature phone from a roadside shop, the Absa USSD code works perfectly. This makes banking truly inclusive.
3. Instant Transactions
Time is money. With USSD banking, transactions complete in seconds. Need to send money urgently? Check your balance before making a purchase? Pay a bill that’s due today? All done in under a minute.
4. Free or Low-Cost
Most Absa USSD transactions are free or cost minimal amounts. Unlike some banking apps that consume data (which costs money), USSD only uses your network connection – something you already have.
5. 24/7 Availability
Banks close at 4 PM. ATMs sometimes run out of cash. But your Absa USSD service? Available every hour of every day, including weekends and holidays. Perfect for emergencies or late-night payments.
Interactive Checklist: Do You Need USSD Banking?
Check if any of these apply to you:
- ā I don’t always have internet on my phone
- ā I prefer quick transactions without apps
- ā I travel to areas with poor network coverage
- ā I want to save on data costs
- ā I need banking services available 24/7
- ā I use a basic phone without smartphone features
If you checked 2 or more boxes, Absa USSD is perfect for you!
Services Available Through Absa USSD Code *224#
When you dial *224#, you get access to a wide range of banking services. Here’s what you can do:
1. Check Account Balance
View your current balance instantly without visiting an ATM or branch.
2. Transfer Money
Send funds to other Absa accounts, different banks, or M-Pesa wallets. You can transfer between your own accounts or send money to friends and family.
3. Pay Bills
Handle all your utility payments including:
- Kenya Power (KPLC) electricity bills
- Water bills (Nairobi Water, other counties)
- DStv, GOtv, Zuku subscriptions
- School fees
- Internet bills
4. Buy Airtime
Purchase airtime for yourself or someone else directly from your account.
5. Mini Statements
Get a quick summary of your last five transactions to track your spending.
6. Apply for Loans
Access Absa’s Timiza loan service through the USSD code. You can apply, check your loan limit, and track your application status.
7. Manage Beneficiaries
Add, edit, or remove people you frequently send money to, making future transfers faster.
8. Cardless Withdrawal
Generate a code to withdraw cash from Absa ATMs without your card – perfect if you forgot your card at home.
9. Standing Orders
Set up automatic payments for rent, school fees, or other regular expenses.
How to Register and Use Absa USSD Code *224#
Registration Process (First-Time Users)
If you’re new to Absa USSD banking, here’s how to get started:
Step 1: Dial *224# from the phone number registered with your Absa account
Step 2: Select “Register” from the menu
Step 3: Enter your Absa account number when prompted
Step 4: Create a secure 5-digit PIN (don’t use obvious numbers like 12345 or your birth year)
Step 5: Confirm your PIN by entering it again
Step 6: Accept the terms and conditions
You’ll receive a confirmation message, and you’re ready to start banking!
Important: Your phone number must be registered with Absa Bank. If you’re not sure, visit any Absa branch with your ID to link your number to your account.
How to Check Your Balance
- Dial *224#
- Select option “1” for Balance Inquiry
- Choose which account (if you have multiple accounts)
- Enter your PIN
- Your balance appears on screen immediately
Cost: Free
How to Transfer Money to Another Bank
- Dial *224#
- Select “Send Money”
- Choose “Other Banks”
- Enter the recipient’s bank account number
- Select the recipient’s bank from the list
- Enter the amount to send
- Confirm details
- Enter your PIN to complete
Cost: Varies by amount (typically KSh 45-110)
How to Pay Bills via USSD
- Dial *224#
- Select “Pay Bills”
- Choose the service provider (KPLC, Water, DStv, etc.)
- Enter your customer account number
- Enter the amount to pay
- Enter your PIN
- You’ll receive confirmation via SMS
Pro Tip: Save frequent billers as beneficiaries to speed up future payments!
How to Apply for Timiza Loan
- Dial *224#
- Select “Loans”
- Choose “Timiza Loan”
- Check your loan limit
- Enter the amount you want (within your limit)
- Choose repayment period (1-12 months)
- Confirm and enter PIN
- Loan is disbursed instantly if approved
According to HapaKenya, Timiza has helped thousands of Kenyans access quick loans without the hassle of traditional applications.
Cost of Using Absa USSD Code – Transaction Charges
Here’s a breakdown of what you’ll pay for different services:
| Service | Cost |
|---|---|
| Balance Inquiry | Free |
| Mini Statement | Free |
| Internal Transfer (Absa to Absa) | Free |
| Transfer to Other Banks | KSh 45-110 (based on amount) |
| M-Pesa Transfer | KSh 45-60 |
| Bill Payments | Free or minimal (depends on biller) |
| Airtime Purchase | Free |
| Loan Application | Free |
| Cardless Withdrawal | Free (standard ATM fees apply) |
Note: Charges may change. Always check the displayed cost before confirming any transaction.
Money-Saving Tips
- Use internal transfers between Absa accounts when possible (free)
- Consolidate payments instead of making many small transactions
- Take advantage of promotional periods when Absa waives certain fees
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Absa USSD Security Features
Banking security matters. Here’s how Absa protects your money through the *224# service:
1. PIN Protection
Every transaction requires your unique 5-digit PIN. Without this PIN, no one can access your account through USSD.
2. Phone Number Verification
The service only works on the phone number registered with your account. Even if someone knows your PIN, they can’t use it from a different number.
3. Transaction Limits
Daily limits prevent unauthorized mass transfers. If someone tries to drain your account, the system stops suspicious activity.
4. Encryption
All data transmitted through USSD is encrypted, meaning your information stays private during transmission.
5. Session Timeout
USSD sessions automatically end after a period of inactivity, preventing unauthorized access if you leave your phone unattended.
Safety Tips:
- Never share your PIN with anyone, including bank staff
- Change your PIN regularly (every 3-6 months)
- Don’t write down your PIN or save it on your phone
- Be aware of your surroundings when entering your PIN
- Check confirmation messages after every transaction
- Report lost phones immediately to Absa Customer Care
If you suspect fraud, call Absa immediately at 0711 056 000 or visit their contact page.
Common Mistakes to Avoid When Using Absa USSD Code
1. Using Weak PINs
Many people use 00000, 12345, or their birth dates. These are easy to guess. Create a unique PIN that only you know.
2. Not Double-Checking Details
Before confirming any transaction, verify the account number and amount. One wrong digit means your money goes to the wrong person, and reversals can take days.
3. Ignoring Transaction Alerts
Always read your SMS confirmations. They help you track your spending and quickly spot unauthorized transactions.
4. Forgetting Your PIN
After three wrong attempts, your account locks for security. Write your PIN somewhere safe (not on your phone!) or use a memorable number system only you understand.
5. Not Updating Your Registered Phone Number
If you change numbers but don’t inform the bank, you’ll lose access to USSD services. Visit a branch to update your contact details.
6. Trying to Transact During Network Issues
If your transaction fails due to network problems, don’t repeat it immediately. Wait a few minutes and check your balance first to avoid duplicate payments.
Absa USSD Code vs Other Banking Options
How does *224# compare to other ways of banking? Let’s break it down:
| Feature | *Absa USSD (224#) | Mobile App | ATM | Branch Visit |
|---|---|---|---|---|
| Requires Internet | No | Yes | No | No |
| Works on Basic Phones | Yes | No | N/A | N/A |
| Transaction Speed | Instant (5-30 seconds) | Fast (30-60 seconds) | Fast | Slow (queue time) |
| Available 24/7 | Yes | Yes | Mostly | No (banking hours) |
| Can Apply for Loans | Yes | Yes | No | Yes |
| Data Costs | None | Requires data bundle | None | Transport costs |
| User-Friendliness | Simple menus | Requires app skills | Simple | Personal assistance |
| Transaction Limits | Moderate | Higher limits | ATM limits apply | Highest limits |
Verdict: USSD is best for quick, everyday transactions when you don’t have internet. Mobile apps are better for complex transactions and higher limits. ATMs work for cash withdrawals. Branches are for specialized services and opening accounts.
Troubleshooting: What to Do When Absa USSD Isn’t Working
Problem 1: “Invalid PIN” Error
Solution:
- Make sure you’re entering the correct 5-digit PIN
- After 3 wrong attempts, your account locks for 24 hours
- If you’ve forgotten your PIN, call Absa customer care or visit a branch to reset
Problem 2: “Session Timeout” Message
Solution:
- Your network might be slow. Try again in a better coverage area
- Restart your phone and dial *224# again
- Make sure you’re not in an area with very weak network signal
Problem 3: Transaction Failed But Money Deducted
Solution:
- Don’t panic! Failed transactions are usually reversed within 24-48 hours
- Check your SMS for a reversal confirmation
- If money doesn’t return after 48 hours, call Absa at 0711 056 000
- Visit a branch with your transaction reference number
Problem 4: “Phone Number Not Registered”
Solution:
- Your number isn’t linked to your Absa account
- Visit any Absa branch with your ID card
- Request them to register your phone number to your account
- You can then use USSD immediately
Problem 5: Menu Takes Too Long to Load
Solution:
- Network congestion might be slowing things down
- Try during off-peak hours (avoid 8-9 AM and 5-6 PM)
- Move to an area with better network coverage
- Ensure you have airtime/active line (some networks require this)
Need More Help?
Contact Absa Customer Care:
- Phone: 0711 056 000 or +254 732 130 120
- WhatsApp: +254 710 130 000
- Email: support@absabank.co.ke
- Visit their official website
Future of Mobile Banking in Kenya
The banking landscape in Kenya continues to change rapidly. According to the Central Bank of Kenya, mobile banking transactions have grown by over 40% in the past three years, with USSD services remaining a crucial part of this growth.
Emerging Trends:
1. Integration with Digital Wallets More banks, including Absa, are connecting USSD services directly with M-Pesa, Airtel Money, and other digital wallets for seamless transfers.
2. AI-Powered Banking Assistance Future USSD services might include smart suggestions based on your spending patterns, helping you save money automatically.
3. Enhanced Security Features Biometric verification (fingerprint or face recognition) might soon work with USSD through hybrid systems that combine basic phones with additional security devices.
4. Expanded Loan Products More instant loan options tailored to specific needs – business loans, emergency funds, education loans – all accessible through simple USSD codes.
5. Financial Literacy Integration Banks are exploring ways to provide financial tips and education directly through USSD platforms, helping Kenyans make smarter money decisions.
According to Statista, Kenya has one of the highest mobile penetration rates in Africa at over 90%, meaning more people will continue relying on mobile banking solutions like USSD.
Frequently Asked Questions (FAQs)
What is the Absa USSD code?
The Absa USSD code is *224#. Dial this number from your registered phone to access mobile banking services without internet.
Do I need internet to use Absa USSD?
No. The Absa USSD code works without internet connection. You only need basic network coverage from your mobile operator.
How much does it cost to use *224#?
Balance checks and mini statements are free. Money transfers to other banks cost KSh 45-110 depending on the amount. Internal Absa transfers are free.
Can I use *224# on any phone?
Yes. The service works on any phone – smartphone or basic feature phone – as long as your number is registered with Absa Bank.
Is Absa USSD code safe?
Yes. Every transaction requires your unique PIN, and the service only works on your registered phone number. Absa uses encryption to protect your data.
What if I forget my USSD PIN?
Visit any Absa branch with your ID card to reset your PIN. You can also call Absa customer care at 0711 056 000 for assistance.
Can I transfer money to M-Pesa using *224#?
Yes. Select the transfer option, choose M-Pesa as the destination, enter the M-Pesa number and amount, then confirm with your PIN.
What are the transaction limits for Absa USSD?
Limits vary by transaction type and account status. Typically, you can send up to KSh 999,000 per day, but check with your specific account terms.
How long does an Absa USSD transaction take?
Most transactions complete instantly, within 5-30 seconds. Inter-bank transfers might take a few minutes during peak hours.
Can I apply for a loan through *224#?
Yes. Dial *224#, select the loans option, and apply for Timiza instant loans directly from the USSD menu.
My Personal Experience with Absa USSD Code
Let me share something personal with you. Three months ago, I was attending a wedding in Kitui County. Beautiful ceremony, great food, but here’s the thing – the area had terrible internet coverage. My phone kept showing “E” (EDGE network) instead of 3G or 4G.
Halfway through the reception, my aunt called. She needed KSh 5,000 urgently for her daughter’s medical bills. I panicked initially because my banking app wasn’t loading. Then I remembered the Absa USSD code.
I stepped outside, dialed *224#, and within two minutes, the money was in her account. No buffering, no “please check your internet connection” messages. Just simple, straightforward banking. My aunt called back almost immediately, surprised at how fast the money arrived.
That experience taught me something valuable: sometimes the simplest technology works best. We’re often obsessed with having the latest apps and fastest internet, but USSD banking proves that effective solutions don’t always need to be fancy.
Since then, I’ve used *224# for everything from checking my balance while shopping to paying my electricity bill minutes before the deadline. It’s become my go-to banking method, especially when I’m in a hurry.
The other day, a friend asked me how I manage my money so efficiently. I told her about USSD banking, and she was shocked she didn’t know about it earlier. That’s why I’m sharing this with you – because good information should be accessible to everyone.
Whether you’re a student managing a tight budget, a business owner making quick payments, or just someone who values convenience, the Absa USSD code can make your life significantly easier. Trust me on this one.
Key Takeaways
Here’s what you need to remember about the Absa USSD code:
ā *The code is 224# – save it in your phone for quick access
ā No internet needed – works on basic network coverage
ā Works on any phone – smartphones and feature phones
ā Most services are free or low-cost – check balance, mini statements, and internal transfers cost nothing
ā Available 24/7 – bank anytime, anywhere
ā Secure – PIN-protected and encrypted
ā Multiple services – check balance, send money, pay bills, apply for loans, buy airtime
ā Quick transactions – most complete within seconds
ā Phone must be registered – visit a branch to link your number if needed
ā Reset PIN at branches – if you forget your PIN, Absa staff can help
Conclusion
The Absa USSD code *224# puts banking power in your hands, literally. Whether you’re standing in a queue, traveling up-country, or sitting at home without internet, this simple service keeps your finances moving.
We’ve covered everything from registration to troubleshooting, from basic transactions to advanced features. You now know exactly how to use *224# to check balances, send money, pay bills, and even apply for loans – all without internet.
The beauty of USSD banking is its simplicity. No complicated apps to learn, no data bundles to buy, no long waits. Just dial, select, confirm, and you’re done. It’s banking stripped down to what actually matters: getting things done quickly and safely.
So here’s my challenge to you: the next time you need to check your balance or send money, try using *224# instead of your usual method. Experience the speed and simplicity for yourself. I think you’ll be pleasantly surprised.
Ready to take control of your finances? Start using the Absa USSD code today. And while you’re managing your money smartly, why not explore ways to grow it?
š For Individuals: Want to make money online? Register as an influencer today and start earning by promoting products you already love.
š For Businesses: Ready to promote your brand? Buy a package here and reach thousands of potential customers across Kenya.
Don’t just read – take action today. Join hundreds of Kenyans making money online and businesses gaining real customers through smart financial choices and digital opportunities.
Share Your Experience: Have you used the Absa USSD code? What was your experience like? Drop a comment below or share your testimonial – your story might help someone else!
Interactive Survey
Quick Poll: How do you prefer to do your banking?
- Option A: Mobile banking apps
- Option B: USSD codes like *224#
- Option C: ATM machines
- Option D: Visiting the bank branch
- Option E: Mix of different methods
Cast your vote in the comments below and tell us why you prefer that method!
Sources and References
This blog post is backed by credible research and authoritative sources:
- Absa Bank Kenya Official Website – Information on USSD services and transaction details
https://www.absabank.co.ke/ - Communications Authority of Kenya (CAK) – Statistics on mobile banking usage in Kenya
https://www.ca.go.ke/ - Central Bank of Kenya – Data on mobile banking growth and regulations
https://www.centralbank.go.ke/ - HapaKenya – Analysis of Absa’s Timiza loan service and financial inclusion
https://hapakenya.com/2024/01/26/how-absa-bank-is-enhancing-financial-inclusion-through-timiza/ - Business Radar Kenya – Comprehensive guide on Absa USSD features
https://www.businessradar.co.ke/blog/2025/01/13/absa-ussd-code-224-everything-you-need-to-access-quick-loans-secure-mobile-banking-in-kenya/ - Statista – Social media and mobile penetration statistics in Kenya
https://www.statista.com/statistics/1130743/social-media-usage-kenya/ - Kenya National Bureau of Statistics (KNBS) – Economic data and digital adoption rates
https://www.knbs.or.ke/
