Frequently Asked Questions

How can we assist you today?

Why am I logged out, or my session expires/times out and I have to log in again?

After some period of inactivity, the system will log you off. This is meant to secure your profile. You can log in afresh to resume transacting.

I am getting errors while transacting on Mfukoni mobile banking, what should I do?

The mobile app will present a pop-up error message that will guide you on the cause of action. Please reach out to SBM Bank Contact Center or visit the nearest SBM Bank Branch for assistance

I am getting a blank display when I attempt to login or activate the app, what should I do?

Please restart your phone and retry. Reach out to our Contact Centre for assistance if this is not successful.

How do I register or activate my Online banking?

Login to your Mfukoni app profile go to Quick Links > Settings > ACTIVATE ONLINE BANKING>Enter Preferred Online Banking User ID >SEND>Enter your Mfukoni PIN>SUBMIT>OK. Upon successful submission, you will receive your online banking credentials via SMS to your mobile number registered with the bank.

What is a One Time Password – OTP?

A One Time Password (OTP) is a 6-digit authentication code sent to the mobile number registered with SBM bank for use to successfully login or perform transactions on Mfukoni mobile banking.

Do I get an OTP every time I transact on the Mfukoni mobile banking platform?

All Mfukoni transactions are subject to an OTP. This is to safeguard your transaction.

How can I update my mobile phone number with the bank?

Kindly visit the nearest SBM Bank Kenya branch to update your details with your original ID. Please update the bank whenever you change your contact details e.g. mobile number, e-mail address, etc.

Can I receive OTP while out of the country?

OTP can be received while out of the country if your mobile number is on roaming service. Any charges will be borne by the customer.

Note: If you change your SIM Card while outside the country, the OTP will not be received thus you cannot proceed to successfully submit your Mfukoni transaction.

What should I do if I have not received the OTP?

Please resubmit the transaction to trigger a new OTP. In case you still do not receive OTP, please dial *456*9*5*3# to check if SBM bank is listed under blocked sender with the Mobile Network Operator. If listed, please enable SMS from SBM Bank to be able to receive OTP. Please reach out to our Contact Centre for assistance as per details below.

New: To activate the email OTP function: Login to Mfukoni, go to Quick Links > Settings >Enable E-Mail OTP >Enter PIN. This option will come in handy when you are not receiving SMS OTP.

What should I do if I suddenly receive an OTP without logging in to my account?

Login and immediately change the PIN as you contact the bank for further assistance.


Note: SBM Bank Kenya will only send an OTP to your registered mobile number upon entry of your correct user ID and PIN. The OTP is a way of informing the customer of account access. Therefore, ensure to keep your username and password confidential at all times. Your PIN is your secret.

For further assistance, please reach out to our SBM Bank Contact Center.

  • Tel: +254 (0) 709 800 000 / +254 (0) 730 175 000
  • WhatsApp Chat: +254 (0) 773 758 196
  • Email: atyourservice@sbmbank.co.ke
  • Twitter: @sbmbankkenya
  • Facebook: SBM Bank Kenya

Talk to Us

Quick Answers for Your Banking Queries about SBM Bank