Are you tired of having to queue, wasting time at the bank to make simple transactions? Or do you wish you had easy access to your money during those emergency situations? Well, you can conduct all your bank transactions through your mobile phone without the need to visit your bank branch, saving you both time and money.

M-PESA to Bank and Bank to M-PESA is one such service that brings your bank account closer to you. It is a branch-less mobile banking service, designed to enable you complete basic banking transactions i.e, deposit and withdrawal, without the need to visit a bank.

You can simply deposit cash into your bank account by going to the pay bill option from your M-PESA menu, enter the business number from your bank and enter the amount to deposit and your M-PESA pin. You will get a notification from M-PESA and your bank confirming the transaction.

To withdraw from your bank account through M-PESA, you need to register for mobile banking with your branch and then get a code that will allow you to move money from your bank account into your M-PESA account conveniently. Once registered, you will be able to only withdraw from a M-PESA agent, but also from a ATM.

Banks currently offering the service include: Cooperative Bank, KCB Bank, Barclays Bank, Equity Bank, Family Bank, NIC Bank, Post Bank and Consolidated Bank.

Some of the advantages mobile banking affords you are:

• Convenience in accessing money from your account anytime, anywhere, whether the bank is open or not
• Save on transport cost to go to your branch
• Save time it would take to get to your branch and queue
• Reduces risk associated with handling cash
• Can be very convenient in emergency situations – You get to access the funds in your account fast
• Promotes a savings culture
• Makes it easy to make utility payments through e-money
• Enables you to enjoy convenience of 24 hours banking service