USSD banking reaches every corner of Kenya

Bayes customers can now access key services through *218*88#, making it easier for people without smartphones or mobile data to manage their loans.

Built for everyday access

USSD helps customers borrow, repay, and check balances using any mobile phone. This keeps digital lending accessible to more customers across Kenya, including those in areas where internet access is limited.

• Apply for a loan
• Check loan status and balances
• Access repayment options
• Use the service without mobile data