KCB MobiCHAMA allows members of a Chama to perform various transactions at their convenience through their mobile on the KCB Mobi platform. This solution allows for accountability of deposits and withdrawals, request for loans as well as empowering officials of the chama to approve loans through the mobile platform. With KCB Mobi-CHAMA, customers need not to visit the branches to transact their business.

The following services are available on KCB Mobi-CHAMA:

  1. Transfer funds/Deposit cash to your Chama
  2. Borrow Loan from Chama
  3. Add Chama Members (for officials)
  4. Remove Chama Members (for officials)
  5. Balance Enquiry (for officials)
  6. Mini statement (for officials)

How to Register for KCB Mobi-CHAMA

  • Open a group/Chama account at any KCB Branch
  • Chama members to open individual accounts with KCB  
  • Sign up for KCB Mobile banking
  • Link the individual accounts to the Chama account
  • Officials can add new members or remove existing ones

Transfer/Deposit cash to your Chama account

a)      From an individual’s account in KCB

  • Dial *522#
  • Enter your KCB Mobi PIN
  • Select Chama
  • Select Transact As a Member
  • Select Transfer Funds to Chama
  • Select the Specific Chama you are Paying
  • Choose account(if you have more than one account at KCB
  • Enter amount
  • Verify the transaction details and Commit the transaction

b)      From Safaricom M-PESA

  • Go to Safaricom M-Pesa menu
  • Select Pay Bill
  • Enter the KCB business number 522522
  • Enter your Chama account number
  • Enter the amount you wish to transfer
  • Enter your M-PESA PIN
  • Commit the transaction

Borrow loans from Chama [as a member]

  • Dial *522# to access the mobile platform
  • Select Chama menu
  • Select transact as a member
  • Select borrow loan from Chama
  • Select the account to be credited (if you have more than one account at KCB)
  • Select the Chama (if you have more than one Chama)
  • Enter amount you want to borrow
  • Verify the transaction details and Commit the transaction


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