
Open an Account

Visit your Mfukoni app and go to > LET’S GET STARTED>LOGIN> FORGOT PIN. You will be prompted to answer security questions as submitted during self-registration and follow the steps thereafter. For correct answers, you will receive instant SMS of your new PIN credentials.
To protect your PIN:
Note Your PIN is your secret. Please do not share it with anyone including any bank staff.
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.
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
Please restart your phone and retry. Reach out to our Contact Centre for assistance if this is not successful.
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.
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.
All Mfukoni transactions are subject to an OTP. This is to safeguard your transaction.
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.
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.