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Mfukoni is a secured mobile banking service provided by SBM Bank (K) Ltd that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or a tablet.

Mfukoni mobile banking can be accessed by Individual personal account holders, Individual business account holders, Joint Account Holders, Partnerships and Limited Accounts holders with single signing mandates. Accounts with multiple signing mandates cannot use Mfukoni mobile, we recommend you apply for SBM bank online banking by visiting your nearest branch.

Existing Mfukoni users are only required to update their existing app or download the new app from their device app store. Launch the app, enter mobile number, enter one time password (OTP) sent via SMS and proceed to login with your existing pin. Follow the command prompts for a successful login and activation of the new app.

• Visit your phone app store/ play store, search and download Mfukoni SBM Bank Kenya mobile or visit SBM bank official website and go to Mobile banking section.
• Launch the downloaded Mfukoni app and click on > LET’S GET STARTED > Mobile No > NEXT STEP > Pop –up Message “Dear Customer, The number xxxxxx is not registered on Mfukoni. Kindly click Register to self-register and start enjoying the services. Queries contact us 0709800000”
  Registered users will be able to proceed to the next step and will receive an activation OTP SMS sent to their registered mobile number.

• Visit your phone app store/ play store, search and download Mfukoni SBM Bank Kenya mobile or visit SBM bank official website and go to Mobile banking section.
• Launch the downloaded Mfukoni app and click on > LET’S GET STARTED>Register>Self Registration
• Enter ALL the required details for the Self-Registration as per your records with SBM bank and click on Register.

You will receive a pop-up message “You are successfully registered to Mfukoni. Credentials will be sent via SMS. Please activate your Mfukoni profile immediately. Queries 0709800000“

Failed registration attempts pop-up error “Details do not match our records, please visit SBM bank branch for Mfukoni registration. “

Launch New app > LET’S GET STARTED>Enter Mobile Number > NEXT STEP> Enter 6 Digit Activation OTP sent via SMS > Enter 4 digit MPIN - your existing pin or the one received on SMS after self-registration >SUBMIT > Account successfully linked >OK >Enter pin>SUBMIT

This error is common for users of Android version 10 and above. Please call our contact center for assistance or visit the nearest SBM Bank Branch for assistance. I am getting an error “accessing from a different device” yet I have not changed my device? This error is common for users of Android version 10 and above. Please call our contact center or visit the nearest SBM Bank Branch for assistance.

This means you are not registered on Mfukoni mobile or you are using the wrong mobile number format. Start with the country code eg 254. Launch the fresh downloaded app, proceed to Self-register and follow the prompts to activate. Self-registration is done once.

This is a security feature meant to secure your profile. During your first time login, you will be required to change your pin from the one sent by the bank.

Note: PIN change can be done periodically and is highly recommended.

Security questions are required only during first time activation. Please use questions and answers that you will remember but cannot be easily guessed. These questions will come in handy when you have forgotten your PIN and need to self-reset Mfukoni PIN.

The new app has a fresh new delightful interface & experience with improved security features.

Balance Check, Mini-Statement, Full Statements, MPESA withdrawal, KRA Tax Payment, KPLC token purchase, Airtime purchase, Fund transfer (Domestic Local Transfer, Domestic Electronic Funds Transfer, International Transfer & SBM Internal Transfer), Load SBM prepaid card, pay SBM credit card bill, maintain beneficiary, add additional SBM accounts, and SMS & E-mail transaction alerts.