KCB Bank Mobile Banking Services

Discover the convenience and flexibility of KCB Bank mobile banking services. Pay bills, transfer funds, buy airtime, access loans, and more, all from the palm of your hand.

KCB Bank takes pride in its robust and innovative mobile banking platform, which has completely transformed the banking experience for its customers. With the convenience of a smartphone, users can easily manage various banking services such as utility bill payments, loan applications, airtime purchases, money transfers, and more, right at their fingertips.

To access these seamless mobile banking services, customers can simply download the KCB App from the Play Store or Apple Store. Alternatively, they can dial *522# to get started on their mobile banking journey.

KCB Bank Mobile Banking Services

KCB Bank offers a comprehensive range of mobile banking services designed to provide convenience and flexibility to its customers. These services include:

#1 Utility Bill Payments

Customers can easily pay their KPLC Post-paid, DStv, GOtv, Star Times, Nairobi Water, and Jambo Jet bills directly from their accounts at any time and from anywhere.

#2 Airtime Purchases

Users can conveniently buy Safaricom, Airtel, and Telkom airtime of up to KES 10,000 for free, ensuring uninterrupted communication.

#3 Money Transfers

Customers can effortlessly transfer funds to any KCB account, accounts in other banks, M-PESA, and Vooma wallets, making it convenient to send money to friends, family, or business associates.

#4 School Fee Payments

With just the student’s name and admission number, users can directly pay school fees for over 10,000 schools across the country, ensuring hassle-free education payments.

#5 KCB Mobile Loans

Customers have access to KCB Mobile Loans of up to KES 300,000, which can be easily applied for and received directly to their KCB accounts. These loans come at a low interest rate of 7.13% for a 30-day period.

#6 Simba Points Rewards

By enrolling in Simba Points through *522#, users can earn points by transacting on mobile banking, using credit, debit, or pre-paid cards, or through i-Bank.

#7 Float Purchases

Customers running agency businesses can conveniently buy float of up to KES 2 million from their phones, providing flexibility and enhancing their daily float purchase limit. For further assistance, customers can visit their nearest branch.

#8 Exclusive Deals for Card Customers

Customers with KCB cards, including prepaid, debit, and credit cards, can access enticing discounts and offers.

With these mobile banking services, KCB Bank ensures that customers have easy and secure access to a wide range of banking activities, empowering them to manage their finances conveniently from their mobile devices.

How to Activate KCB Bank Mobile Banking

To activate KCB Mobile banking via the KCB App, follow these simple steps:

  • Download the KCB App: Visit the Google Play Store or App Store and download the KCB App on your mobile device.
  • Launch the App and Start Activation: Open the app and follow the on-screen instructions to begin the activation process.
  • Enter KCB Mobile Banking PIN: Enter your KCB mobile banking PIN when prompted during the activation process.
  • Grant App Permissions: You may receive a prompt asking for permission to manage phone calls. Allow the app to manage phone calls to enable seamless integration with your device.
  • Authorization Code: A security activation code will be sent to your registered mobile number to authorize the activation request. Allow the app to automatically read this code and any other notifications it requires for the authentication process.
  • Start Transacting: With the app successfully activated, you can now enjoy the convenience of transacting on the KCB App. Explore the various features and services offered by the app to manage your finances on the go.

By following these steps, you can easily activate KCB Mobile banking via the KCB App and gain access to a wide range of banking services and features at your fingertips.

KCB Mobile Banking Fees and Charges

Fees and charges are applicable for transferring funds from KCB accounts to Mobile Money Wallets using KCB Mobile Banking. It is important to be aware of these charges to make informed decisions regarding your transactions.

For detailed information on the specific fees and charges associated with these transfers, check out the table below.

# Amount (in Ksh) Fees (in Ksh)
1 1 – 100 0
2 101 – 500 11.2
3 501 – 1000 13.6
4 1001 – 1500 16
5 1501 – 2500 26
6 2501 – 3500 38
7 3501 – 5000 50
8 5001 – 7500 64
9 7501 – 20000 76
10 20001 – 150000 78

KCB Mobi Transaction Limits

KCB Bank has set transaction limits for mobile banking, ensuring security and control over funds. The mobile transaction limits are as follows:

Per Transaction Limit: You can perform transactions of up to KES 150,000 per individual transaction. This means you can transfer or transact up to KES 150,000 in a single transaction.

Daily Transfer Limit: There is a daily transfer limit of KES 300,000. This means the total cumulative amount of transactions you can make in a day should not exceed KES 300,000.

What is KCB Bank PayBill Number

The PayBill number for KCB Bank in Kenya is 522522. This number is used for paying bills or transferring funds to your KCB Bank account. When using the KCB PayBill number, you will need to provide your account number.


Experience the convenience of KCB M-PESA, where saving and borrowing are made easy through your mobile phone. Start putting your money to work by depositing it into a fixed deposit or target savings account, earning an attractive interest rate of over 6%* per annum. With KCB M-PESA, you can start saving with as little as Kes. 50, and as your savings grow, so does your credit limit, allowing you access to more financial opportunities.

Enjoy the following limits with KCB M-PESA:

  1. Deposit Limit: You have the flexibility to deposit up to KES 150,000 into your KCB M-PESA savings account in a single transaction.
  2. Withdrawal Limit: You can conveniently withdraw up to KES 150,000 from your KCB M-PESA savings account in a single transaction.

With these generous limits, KCB M-PESA provides you with the freedom to save and access your money conveniently, empowering you to achieve your financial goals.