KCB Mobile Banking

Enjoy banking that’s mobile. Your money moves with you wherever you go. Our robust mobile banking platform allows you to pay bills, top-up MTN airtime, send and receive cash wherever you are.

MTN users can access these and many other services through the USSD code *522#.



  1. Convenience - Access your account and other banking services at the comfort of your mobile phone.
  2. 24/7 banking - All services as well as visibility of your account are available round the clock.
  3. Real-time transactions - Transactions are instant with real-time notifications of money coming in and going out of your account.


KCB Mobile Banking Services

The following services are available on KCB mobile banking

  1. Buy airtime

Top up your airtime easily any time of the day.

  1. Check account balance

Get quick access to your bank account and keep tabs of the transactions and the balance.

  1. Transfer funds

Conveniently transfer cash to other accounts within KCB

  1. Access mini statements

Have access to a breakdown of your account transactions.

  1. Pay Bills

Pay for goods and services at partner outlets at with of your mobile phone


How To Register For KCB Mobile Banking

  • Customers with active personal accounts at KCB Bank should visit their nearest branch to register for mobile banking.
  • Non-customers should visit their nearest KCB branch to open an account. The account will then be registered on mobile banking.


How To Activate KCB Mobile Banking

  • Upon registration, you will receive an SMS with a One Time PIN (OTP), valid for only 48 hours.
  • Once you have received the OTP, dial *522#, enter the OTP and input your preferred PIN to activate your mobile banking.


How to Buy Airtime

  1. Dial *522#
  2. Enter mobile banking PIN
  3. Select Airtime
  4. Select for own or other Phone
  5. Select Account (the account you want to buy airtime from)
  6. Enter Amount
  7. Confirm transaction
  8. You will receive a message from MTN showing your new balance and another message from KCB Mobi confirming the purchase.


How to Transfer Funds

  1. Dial *522#
  2. Enter mobile banking PIN
  3. Select Funds Transfer
  4. Select where to transfer funds to (either to Own or other KCB Accounts)
  5. Select the account to transfer from
  6. Select source (either Account Number or Mobile Number)
  7. Enter the account number you are transferring to
  8. Enter amount
  9. Confirm the transaction
  10. You will receive a message from KCB Mobi confirming the transfer


How to Pay Bills

  1. Dial *522#
  2. Enter mobile banking PIN
  3. Select Bill Payments
  4. Select Non Registered
  5. Select Account to pay from
  6. Enter Biller Code
  7. Enter Amount
  8. Confirm the transaction
  9. You and the Biller will receive a payment confirmation message from KCB Bank


How to Check Account Balance

  1. Dial *522#
  2. Enter mobile banking PIN
  3. Select Enquiries
  4. Select Balance
  5. Select Account
  6. You will receive an SMS showing your account balance


How to Access Mini Statement

  1. Dial *522#
  2. Enter mobile banking PIN
  3. Select Enquiries
  4. Select Mini Statement
  5. Select delivery mode (either Phone or SMS)
  6. Select account
  7. You will receive a Mini Statement on SMS or flash message depending on delivery mode selected in (e) above.

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