KCB Mobile Banking

Name: KCB Bank Kenya Ltd
Address: P.O. Box: 48400-00100 GPO, Nairobi, Nairobi, 00100, Kenya
Telephone: +254 (20) 2287000
Price range: Call ☎ +254 (20) 2287000 | ✉ contactcentre@kcb.co.ke
Rating: 4.9

How to activate KCB mobile banking
- Visit any KCB Bank branch to set up your KCB mobile banking.
- You will receive a message to activate your KCB mobile banking on *522#
- Dial *522# and enter a 4-digit PIN
- Re-enter the 4-digit PIN.
- Accept terms and conditions for KCB mobile banking.
- Validate the request and submit for activation.
- You will be successfully activated on KCB Mobile banking. Continue transacting with the PIN you set during the activation process.
How to pay your bills
From a KCB Bank account using *522#
- Dial *522#
- Select Payments
- Select Pay Bills
- Select KCB Account as the source of funds
- Select the KCB Account to buy from
- Select the biller to pay – i.e. KPLC Prepaid Tokens
- Enter the biller Account Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message with a 20 digits tokens code
From a Vooma wallet using *522#
- Dial *522#
- Select Payments
- Select Pay Bills
- Select VOOMA Wallet
- Select the biller to pay – e.g. Nairobi Water
- Enter the biller Account Number- i.e. Nairobi Water Account Number
- Select either Full Payment or Partial Payment
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message with a 20 digits token code
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Make Utility Payments
- Select Popular bills
- Select the biller to pay e.g. KPLC Tokens
- Select KCB account to pay from
- Enter the biller Account Number
- Enter the Amount and Submit
- Enter your KCB mobile banking PIN and commit
- You will receive a confirmation message with a 20 digits token code
How to send money to mobile wallet (Vooma, M-PESA, or T-kash)
From a KCB Bank account using *522#
- Dial *522#
- Select Send Money
- Select Send to M-PESA
- Select KCB Account as the source of funds
- Select send to Own Number or Other Number
- Select the KCB Account to send from
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message
From a Vooma wallet using *522#
- Dial *522#
- Select Send Money
- Select Send to VOOMA
- Select From VOOMA Wallet
- Select Enter Mobile Number option
- Enter Mobile Number you are sending to
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Vooma Services
- Select the KCB Account to send from
- Select send to Self or Other
- Enter the Amount and Submit
- Enter your KCB mobile banking PIN and commit
- You will receive a confirmation message.
How to purchase airtime
From a KCB Bank account using *522#
- Dial *522#
- Select Buy Airtime
- Select Linked KCB Account
- Select Buy for Own Phone or Other Phone
- Select the KCB Account to buy from
- Select Airtime service provider (Safaricom, Airtel or Telkom)
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit.
- You will receive airtime top-up confirmation message
From a Vooma wallet using *522#
- Dial *522#
- Select Buy Airtime
- Select Vooma Wallet
- Select buy airtime for Own Mobile or Other Mobile
- Select Airtime service provider (Safaricom, Airtel or Telkom)
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive airtime top-up confirmation message
From a KCB Bank account using the KCB App
- Open the KCB App
- Select the KCB Account to buy from or redeem Simba Points
- Select buy airtime for Self or Other phone
- Select Airtime service provider (either Safaricom, Airtel and Telkom)
- Enter the Amount and submit
- Enter your KCB mobile banking PIN and commit
- You will receive airtime top-up confirmation message
How to load KCB credit and prepaid cards
From a KCB Bank account using *522#
- Dial *522#
- Select Card Services
- Select Load Card from Bank Account
- Select the KCB Account to Load the card from
- Enter Bank Card Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a credit confirmation to the card
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Load Card
- Select the KCB account to load the Card from
- Enter the Card Number
- Enter Card Name
- Enter the Amount and submit
- Enter your KCB mobile banking PIN and commit
- You will receive a credit confirmation to the card
How to pay to Vooma pay bills
From a KCB Bank account using *522#
- Dial *522#
- Select Payments
- Select Pay Bills
- Select KCB Account as the source of funds
- Select the KCB Account to pay from
- Select Enter Pay Bill Number
- Enter the Pay Bill Number
- Enter Account Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a payment confirmation message
From a Vooma wallet using *522#
- Dial *522#
- Select Payments
- Select Pay Bills
- Select Vooma Wallet as the source of funds
- Select Enter Pay Bill Number
- Enter the Pay Bill Number
- Enter Account Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a payment confirmation message
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Vooma Services
- Select Pay Bill
- Select the KCB Account to pay from
- Enter the Vooma Pay Bill Number
- Enter the Account Number
- Enter the Amount and submit
- Enter your KCB mobile banking PIN and commit
- You will receive a payment confirmation message
How to pay to Vooma tills
From a KCB Bank account using *522#
- Dial *522#
- Select Payments
- Select Buy Goods
- Select pay from KCB Account
- Select the KCB Account to pay from
- Enter the Till Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a payment confirmation message
From a Vooma wallet using *522#
- Dial *522#
- Select Payments
- Select Buy Goods
- Select pay from Vooma Wallet
- Enter the Till Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a payment confirmation message
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Vooma Services
- Select Buy Goods
- Select the KCB Account to pay from
- Enter the Vooma Till Number
- Enter the Amount and submit
- Enter your KCB mobile banking PIN and commit
- You will receive a payment confirmation message
How to send money using PesaLink
From a KCB Bank account using *522#
- Dial *522#
- Select Send Money
- Select PesaLink
- Select KCB Account as the source of funds
- Select Pay to Person
- Select Pay to Account
- Select the KCB Account to send from
- Select Recipient Bank by Category
- Choose the Recipient Bank
- Select Bank Account Number
- Enter the Recipient Bank Account Number
- Enter the Amount
- Enter Payment Description
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message
From a Vooma wallet using *522#
- Dial *522#
- Select Send Money
- Select PesaLink
- Select Vooma Wallet as the source of funds
- Select Pay to Person
- Select Pay to Account
- Select Recipient Bank by Category
- Choose the Recipient Bank
- Enter the Recipient Bank Account Number
- Enter the Amount
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- You will receive a confirmation message
From a KCB Bank account using the KCB App
- Open the KCB App
- Select Cash Transfers
- Select Send to Other Bank [PESALINK]
- Select the KCB Account to send from
- Select the Recipient Bank
- Enter the Recipient Account Number
- Enter the Recipient Name
- Enter Payment Description
- Enter the Amount and submit
- Enter your KCB mobile banking PIN and commit
- You will receive a confirmation message
How to borrow a KCB Mobile Loan
Using *522#
- Dial *522#
- Select Loans and Savings
- Select KCB Mobile Loan
- Select Loan Request
- Select 1 month
- Enter the Amount you wish to borrow (must be within your loan limit)
- Select the KCB Account where the loan should be deposited
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- The loan will be deposited into your KCB Account
Using the KCB App
- Open the KCB App
- Select Loans
- On KCB Mobile Loan, select Borrow
- Select the KCB Account where the loan should be deposited
- Select One Month
- Enter the Amount you wish to borrow and submit (must be within your loan limit)
- Enter your KCB mobile banking PIN and commit
- The loan will be deposited into your KCB Account
How to receive money using Western Union
To a KCB Bank account using *522#
- Dial *522#
- Select Payments
- Select Receive Western Union
- Select KCB Bank Account
- Select the KCB Account to receive the money
- Enter the MTCN
- Enter the expected Amount
- Enter the Sender’s Country name
- Accept the Terms and Conditions
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- Money will be deposited into your KCB Account
To a KCB Bank account using the KCB App
- Open the KCB App
- Select Global Transfers
- Enter your KCB Mobile banking PIN
- Select Receive Money
- Fill in the transfer details (MTCN, Expected Amount, Sender’s details, and Purpose of Transfer)
- Select the KCB Account you want to deposit the money into
- Confirm the transaction
- Money will be deposited into your KCB Account
How to redeem Simba Points for airtime
Using *522#
- Dial *522#
- Select My Account
- Select Simba Points
- Select Redeem for Airtime
- Select the preferred KCB Account
- Select the Airtime Operator
- Select the number of points to be redeemed
- Enter Recipient phone number
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- The Airtime will be credited to the mobile number entered.
Using the KCB App
- Open the KCB App
- Select 3 bar menu from top left corner
- Select Simba Points
- Enter your KCB mobile banking PIN and commit
- Select Airtime
- Enter Recipient phone number
- Select the number of points to be redeemed and submit
- The Airtime will be credited to the mobile number entered.
How to redeem Simba Points for cash
Using *522#
- Dial *522#
- Select My Account
- Select Simba Points
- Select Redeem for Cash
- Select the preferred KCB Account
- Select the number of points to be redeemed
- Enter your KCB mobile banking PIN
- Confirm the transaction and submit
- The Cash will be deposited to the selected account.
Using the KCB App
- Open the KCB App
- Select 3 bar menu from top left corner
- Select Simba Points
- Enter your KCB mobile banking PIN and commit
- Select Cash
- Enter the number of points to be redeemed and submit
- The Cash will be deposited to the selected account.
How to open a KCB M-BENKI
How to open a KCB M-BENKI via M-PESA.
- Go to M-PESA menu
- Select Lipa na M-PESA
- Select Paybill and enter Paybill number 522522
- Under account, type ID(No Space) and your National ID Number e.g. ID123456789
- Enter amount to deposit, and your M-PESA PIN.
- You will receive two SMS's, one with your KCB M-BENKI Account number and the other with your temporary One Time PIN (OTP). You must change to a 4 digit PIN immediately. Always keep your PIN secret and never share it with anybody.
How to transfer money from M-PESA to a KCB account
- Go to your M-PESA menu,
- Select Lipa na M-PESA,
- Enter PayBill number 522522,
- Enter the KCB account number you are transferring money to, enter the amount, and your M-PESA PIN and confirm to send money.

What are the charges?

KCB Mobile banking charges;

SERVICE	***Fees in Kshs
Balance enquiry	FREE
Buy airtime	FREE
Bill payments - KPLC Post Paid, DSTV, ZUKU	36.00
KCB Lipa Karo	36.00
ATM withdrawal	36.00
KCB Mobi Chama Transfer	36.00
Ministatement	FREE
Forex Rates	FREE
Change PIN	FREE
Transfer money from a KCB account to another KCB account	36.00
KCB Insurance Payment	36.00
Receive Western Union	FREE
Buy M-PESA Agent Float	63.00
KCB Mobile Loan	7.13% for 30 Days
Vooma own Transfer	Free
Vooma Transfer Other Phone No	Free
Pay to Vooma Pay Bills	36

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KCB Mobile Banking