MobiGrow

• How to open a MobiGrow Account

  • Dial *225#
  • Select Open MobiGrow and accept Terms and Conditions
  • Enter your ID number and PIN of Choice
  • Re-enter your PIN and confirm you want to proceed with opening a MobiGrow account
  • Deposit a minimum of Kshs. 10 into your account to activate and receive your MobiGrow account number

• How to Activate Your MobiGrow Account

  • Go to M-PESA menu
  • Select Lipa na M-PESA, Pay Bill option. Enter M-PESA Pay Bill number 522696
  • Enter your National ID number as the account number
  • Enter amount – minimum KES 10
  • Enter your pin and confirm
  • You will receive two confirmation messages. From M-PESA confirming the transaction and another from KCB with your MobiGrow account number.

• How to Deposit Money into Your MobiGrow Account

  • Go to your M-PESA menu,
    • select Lipa na M-PESA,
    • enter Pay Bill number 522522 and enter your MobiGrow account number.
  • Deposit at a KCB Bank Agent or any KCB branch nearest to you.

   

• How to Withdraw Money from Your Account*

  • At KCB Bank Agent
  • Dial *225# and enter your MobiGrow PIN when prompted.
  • Select Withdraw at KCB Mtaani and follow prompts.
  • At M-PESA Agent
  • Dial *225# and enter your MobiGrow PIN.
  • Select send to M-PESA and follow the prompts. The money will be sent to your M-PESA account and you can thereafter withdraw from an M-PESA agent.
  • At any KCB Branch across the counter. You will be required to have your national ID.

• How to Access Free Training Material

  • Dial *225# and select ‘Farmer Training’.
  • Choose one of the following from the five training modules and follow the prompts to start learning.
  • Training modules include: Savings and Loans, Grow Your Money, Dairy Farming, Livestock Farming, and Crop Farming.

• How to check your loan limit

  • Dial *225# and enter the MobiGrow service PIN when prompted.
  • From the Main Menu, select “Loans” then select “Loan Limit”.

• How to request for a MobiGrow loan

  • Dial *225# and enter your MobiGrow service PIN
  • Select “Loan” then “Request Loan” and enter amount.
  • Select the preferred period (1 month)
  • Funds will be transferred to your MobiGrow Account

• How to pay back your MobiGrow loan

  • Dial USSD code *225# and enter your MobiGrow service PIN when prompted.
  • Select “Loan” then “Pay Loan”.
  • Select payment from MobiGrow account and enter amount to pay.
  • To pay from another KCB account, the customer must first transfer the cash to their MobiGrow account before initiating payment.

• How to check your balance

  • Dial *225# and enter the MobiGrow service PIN when prompted.
  • From the Main Menu select “Balance Inquiry”.
  • Select MobiGrow Account.

   

• Loan Requirements

  • Farmer must have a MobiGrow account
  • Farmer must be a member of a farmer cooperative society/aggregating group and make deliveries to the participating cooperative society/aggregator to access loans based on their deliveries
  • Farmer must have been supplying milk to the diary for at least 6 months or agricultural produce to an aggregator for at least 3 seasons before loan application
  • Farmer must have a good credit rating and must not be listed on Credit Reference Bureau (CRB)
  • Farmer must have cleared all previous mobile loans with KCB to qualify for a MobiGrow loan