Ways of banking
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International Money Transfer Services

Through our International Money Transfer partners; Western Union, MoneyGram, WorldRemit, Ria, Transfast, Small world, Dahabshiil, TerraPay, Thunes, Onafriq (previously MFS Africa), Global Money Exchange and Gulf Exchange we offer safe, fast & reliable money transfer services in over 200 countries and territories around the world.

To send or receive money, simply walk into your nearest KCB Bank branch with your identification document and transact. You can also send/receive money from/to your KCB Bank account directly via the KCB mobile banking App or by dialing *522#.

Through our account-based money transfer services, your loved ones living abroad can now deposit money directly to KCB Bank accounts using the following money transfer services.

Western Union

Present in over 200 countries and available in over 500,000 locations around the globe transacting in over 130 currencies. This partnership ensures you can send and receive money from anywhere in the world into your KCB bank account or at any of our KCB branches.

Dear customer, we regret to inform you that the Western Union service on the Mobile banking App &*522# is temporarily unavailable. You can now send or receive money with Western Union at any of our KCB branches countrywide. Other money transfer services on mobile banking remain available. STOP *456*9*5#

Ria Money Transfer

Available in over 160 countries, in over 397,000 locations and trading in 100+ currencies. Customers can access Cash pick up, bank deposits and home delivery services (in some countries) with this partner. The KCB partnership allows you to receive your money at any of our branches and deposit the money transfer into your bank account.


A digital money remittance company available in over 150 countries globally and offering remittances in over 90 currencies. The partnership allows you to deposit the remittance into your bank account anytime anywhere. The service is also available as a cash pick up at any of our branches.

How do I receive money using WorldRemit?

  • WordRemit enables KCB customers to receive money from abroad securely into their KCB Kes or USD bank account.


Available in over 350,000 agent locations around the world. Offers cash pick up at outlets, account based money transfer and delivery to mobile wallets. The partnership gives you access to the services from any of our branches and the KCB App, USSD and IBank.

Sending money using MoneyGram:

  • Visit a KCB Bank branch, with your ID (national ID, Passport, Alien card) and relevant documentation (risk profile dependent).
  • A friendly teller will capture your send transaction details and provide you with an 8 digit transaction identification number.
  • You would need to provide the recipient you have sent money to with the relevant Money Transfer reference number.
  • The receiver can then collect the cash from the relevant Money Transfer agent in the beneficiary country.

Receiving a money transfer using MoneyGram:

  • Obtain the Money Transfer reference number from the sender.


GLOBAL MONEY EXCHANGE CO LLC - The Company is a household name when people think about remittance and foreign exchange currency business in Oman. We hold sizeable market share in Oman’s remittance industry and can proudly present as one of the strong players in this field. We have grown from a single branch entity in 2002 to one of the largest exchange company in terms of branch network (62 branches)


TerraPay is a licensed digital payments infrastructure and solutions provider, paving the global payments highway that enables customers and businesses globally to send and receive payments on a secure, transparent, efficient, and real-time basis. Globally, TerraPay enables more than 1.5 Billion bank accounts and 200+ Million mobile money wallets in over 50 countries to receive real time cross-border money transfers

How do I receive money using TerraPay?

  • With TerraPay, you are able to receive cross-border remittances securely and directly into your KCB account in real-time.

Use any of the following partners and modes to send money directly to your KCB Bank account with TerraPay.

Partner name Countries Mode to send
BFC Bharain Bahrain Visit any BFC Bharain outlet and request to send money to KCB Bank account
Daytona United Arab Emirates, South Africa, Great Britain, Bahrain Visit any Daytona outlet to send money to a KCB Bank account.
GME Korea South Korea Download the GMEREMIT App or visit the online portal and use your card to remit cash to KCB Bank account
Instant Cash United Arab Emirates, Bahrain, Oman, Qatar, Seychelles, Kuwait, Saudi Arabia, Uganda Visit any Instant outlet and request to send money to KCB Bank account
Transferwise Great Britain, United Arab Emirates, Belgium, Ireland, Italy, Mayotte, Germany, Denmark, Kenya, USA, Finland, Russia, Senegal, Japan, Canada, Hungary, Jamaica, Netherlands, Norway, Czech Republic, Poland, Brazil, Croatia, South Africa, Switzerland, Malaysia Download the TRANSFERWISE App or visit the online portal and use your card or direct debit (where permitted) to remit cash to KCB Bank account
Money Ex Germany Download the App from the app store or visit the online portal and use your card to remit cash to KCB Bank account

Gulf Exchange

Gulf Exchange, an ISO 27001:2013 certified company and one of the leading money exchanges in the State of Qatar, has extended its services to 1.6 million retail and business customers since its inception in 1977.


Thunes is a business-to-business company that powers payments for the world’s fastest-growing businesses. Corporates and financial institutions can move funds seamlessly, securely and cost-effectively with Thunes’ well-established, reliable and far-reaching network. Thunes is used by leading global banks, money transfer operators, platforms and many other businesses to make payments to bank accounts, mobile wallets and cash pick-up providers around the world.

Customers across the globe can use the following partners to send money direct into KCB Bank accounts safely and in near real-time with Thunes.

1. Blabla Connect

12. MasterRemit

2. CashPlus

13. MoneyGram

3. Commercial Bank of Dubai

14. Neema_Shefa

4. DEK-CO(UK) Limited (Paydek)

15. Payoneer

5. FDH Financial Holdings Limited

16. Rewire

6. GME

17. Skrill Ltd


18. Thamor Trading Corporation D.B.A. RemitBee

8. Intermex

19. United Nations Federal Credit Union

9. JubaExpress

20. Vodacom Tanzania

10. Majority USA LLC

21.WIC Worldcom Finance Ltd

11. MamaMoney

MFS Africa

MFS Africa is the largest digital payments hub in Africa. MFS Africa connects over 320 million mobile wallets and over 20 million bank accounts across 35 countries in Africa, enabling cross-border, cross-network digital payments real-time.

Become a KCB Subagent

Are you looking to increase your business revenue? Becoming a subagent will allow you to offer international money transfer services to your customers through the following providers :

What You Require to Become a Subagent

  • A registered business as well as a KCB Business Account
  • Business registration documents, i.e., a Certificate of Incorporation + CR1, CR2, CR8 & CR12, a Memorandum & Articles of Association or the Certificate of Registration
  • The Business Regulatory License
  • Company's KRA PIN Certificate where applicable
  • Owners' National ID or passport and KRA PINs
  • Photos of interior and exterior of the business outlet
  • Proof or address, i.e., the lease agreement or a utility bill showing the address of the subagent
  • Single Business Permit

Interested? Get in touch with us at [email protected] to sign up.

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Find a KCB Subagent near you

Interested in International Money Transfer Services, becoming a subagent or have a question?