MCo‑op Cash is Co‑operative Bank’s mobile banking platform, which empowers you to conduct banking, transfers, and payments directly from your mobile phone. You can access it using the USSD code ₀*667# or via the smartphone app. If you forget your PIN—or want to update it—Co‑operative Bank allows you to reset it anytime, free of charge, via USSD or the mobile app. Let’s walk through the process.
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PIN Reset Requirements
To reset your PIN, you will need:
- Your National ID or Passport number used during registration
- The Safaricom number linked to your MCo‑op Cash account
There is no limit to how many times you can reset your PIN and no associated fees.
How to Reset Your PIN via USSD
- Dial *667# from your registered mobile number.
- When prompted for a PIN, reply with 1 if you’ve forgotten it.
- Accept the terms and conditions by replying 1.
- Enter your National ID or Passport number.
- Choose how to reset your PIN:
- Contact Co‑operative Bank support (0703 027 000), or
- Reset using security questions.
- If you choose security questions, correctly answer them.
- Enter your new 4-digit PIN, then confirm it.
You’ll receive a confirmation SMS once the reset is successful.
How to Reset Your PIN via MCo‑op Cash App
- Open the MCo‑op Cash app on your device.
- Tap “Forgot PIN”.
- Provide your national ID, registered phone number, date of birth, and email address.
- Enter the OTP sent to your phone.
- Answer your security questions and select your security image.
- Create and confirm your new 4-digit PIN.
Once done, your PIN will take effect immediately.
How to Reset Your App or Web Password via USSD
- Dial *667# and log in to MCo‑op Cash.
- Select Option 98: More.
- Choose Option 12: Self Service.
- Select Option 4: Online Banking.
- Then choose Option 3: Reset My Password—your new password will be sent via SMS.
Troubleshooting & Extra Support
- If you forget answers to security questions or can’t reset via the app or USSD, visit any Co‑operative Bank branch with your original ID or passport for assistance.
- PIN resets are charge‑free and can be repeated as many times as needed.
Co-operative Bank Support Contacts
- Phone: 020 277 6000 or 0703 027 000
- Email: customerservice@co‑opbank.co.ke
- WhatsApp: +254 736 690 101
Benefits and Best Practices
- Free & unlimited PIN resets ensure you’re never locked out.
- Secure authentication via OTPs and security questions minimizes fraud risk.
- Multiple reset channels (USSD, app, branch) offer flexibility and self-service convenience.
- Keep your ID and contact details current to ensure the reset process is smooth.
- Avoid resetting via public Wi-Fi or shared devices for better security.
Summary Table
| Method | Steps Overview | What You Need |
|---|---|---|
| USSD Reset | Dial *667# → select Forgot PIN → accept T&C → ID → security Qs → new PIN | ID/Passport, registered phone |
| App Reset | App → Forgot PIN → enter ID, phone, DOB, email → OTP → security Qs → new PIN | ID, SMS access, onboarded image |
| Password Reset | Dial *667#, choose More → Self Service → Online Banking → Reset My Password | Registered phone number |
With this comprehensive guide, you can easily and securely reset your MCo‑op Cash PIN using USSD or the app. As a mobile finance expert, I advise keeping your contact details and security setup up to date for seamless access never hesitate to reach out to customer support if you encounter any challenges.
