Ways of banking

Interested in:

Mobile Banking

We pride in a robust and innovative mobile banking platform which has revolutionized banking for our customers. Pay your utilities, get loans, buy airtime, send and receive money, and access other banking services conveniently, all at the palm of your hand.

Download the KCB App on Play store and the Apple store, or Dial *522#.




KCB Mobile Banking Services

1. Pay utility bills 

Conveniently pay your KPLC tokens & Post-paid, DStv, GOtv, Star Times, Nairobi Water & Jambo Jet bills from your account anytime, anywhere.

2. Buy Airtime

Easily buy Safaricom, Airtel & Telkom airtime of up to KES 10,000 for FREE.

3. Transfer money to any account & mobile wallets

You can conveniently transfer money to any KCB account, accounts in other banks, to M-PESA & Vooma wallets with ease.

4. Pay school fees

Pay schools fees for your loved ones to over 10,000 schools countrywide directly from your account. All you need is the student name & the admission number.

5. Borrow a Vooma Loan

You can access the new vooma loan of up to KES 300,000 from your phone directly to your KCB account at a low rate of 5.91% for 1 month.

6. Enroll, earn & redeem Simba Points

Enroll for Simba Points by dialing *522#, transact on mobile banking, with your credit, debit or pre-paid card, on i-Bank to earn points. Redeem your Simba Points for airtime, cash & more exciting rewards.

7. Buy float 

You can buy float for your agency business of up to KES 2 million from your phone. Visit your nearest branch to enhance your daily float purchase limit.

8. View exciting deals for card customers

View exciting discounts & offers available to customers with KCB cards (prepaid, debit & credit) by click here:

How to activate KCB Mobile banking via KCB App

iOS enabled mobile devices

  1. Download the KCB App from App Store
  2. Dial *522#
  3. Go to ‘No. 9 My Account’
  4. Select ‘Activate my app’
  5. You will receive an SMS with a One Time Password (OTP active for 2 minutes)
  6. Enter received OTP to complete the activation process.

Android enabled mobile devices

  1. Download the KCB app from Google Play store
  2. Follow the launch instructions to activate your app (enter the number that you used to get connected and the One Time Pin (OTP) sent to you)
  3. Since your OTP is valid for only 48 hours, change it to a SECRET pin of your choice with a minimum of four digits.

The following services are FREE:

  • Transfer of money from your bank account to mobile money (M-PESA & Vooma)
  • Transfer of money from mobile money to your bank account
  • Balance enquiry
  • Buy Kenya Power Tokens


Mobi Transaction Limits:

  • Up to KES 150K per transaction
  • Daily transfer limit of KES 300K

Interested in Mobile Banking or have a question?

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