Finance & Investment Technology & Gadgets

How To Activate KCB Mobile Banking: A Step-by-Step Guide

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KCB (Kenya Commercial Bank) has revolutionized the banking experience with its innovative mobile banking platform. Whether you’re paying bills, applying for loans, purchasing airtime, or transferring funds, KCB mobile banking makes these services accessible at your fingertips.

In this guide, we’ll walk you through how to activate KCB mobile banking on both Android and iOS devices, as well as an alternative method using USSD.

Benefits of KCB Mobile Banking

  • Convenient Transactions: You can access services like money transfers, utility payments, and loan applications without visiting a branch.
  • 24/7 Accessibility: The platform is available anytime, allowing you to manage your finances at your convenience.
  • Secure: KCB mobile banking uses advanced security features to protect your account and personal information.

How To Activate KCB Mobile Banking via KCB App

1. Activation on Android Devices

If you are using an Android phone, follow these steps to activate the KCB mobile banking app:

  1. Download the KCB App from the Google Play Store.
  2. Open the app and follow the on-screen instructions. You will be asked to enter the mobile phone number registered with your KCB account and your KCB mobile banking PIN.
  3. The app will prompt you to allow permissions for managing phone calls. Click “Allow” to proceed.
  4. A security activation code will be sent to your registered phone number. The app will automatically detect and verify the code, ensuring your phone number is authenticated.
  5. Upon successful authentication, the app is fully activated.
  6. You can now proceed to transact using the KCB App.

2. Activation on iOS Devices

For users of iOS devices, the process is slightly different but equally simple:

  1. Download the KCB App from the App Store.
  2. Open the app and follow the activation instructions. You will need to input the mobile number registered for KCB mobile banking and your KCB mobile banking PIN.
  3. *Dial 522# on your phone to continue with the process.
  4. Go to the My Account section and select Activate iPhone App.
  5. You will receive an SMS containing an activation code.
  6. Enter the activation code into the app to complete the activation process.
  7. After completing the process, the app will be activated, and you can start using KCB mobile banking.

*Alternative Method: Activating via USSD (522#)

If you prefer using the USSD service or don’t have a smartphone, you can activate KCB mobile banking through USSD:

  1. Visit your nearest KCB branch and request assistance in setting up mobile banking.
  2. After initiating the request, you will receive a message prompting you to activate KCB mobile banking via USSD.
  3. Dial ** *522# ** on your mobile phone.
  4. You will be asked to create a 4-digit PIN for mobile banking.
  5. Re-enter the PIN to confirm.
  6. Accept the terms and conditions for KCB mobile banking.
  7. Submit the request, and your mobile banking will be activated.
  8. You can now transact using the PIN you set during the activation process.

KCB Mobile Banking Services

Once activated, KCB mobile banking gives you access to a variety of services, including:

  • Funds Transfer: Easily send and receive money to/from other KCB accounts or mobile wallets like M-Pesa.
  • Bill Payments: Pay utility bills such as electricity, water, and TV subscriptions directly from your KCB account.
  • Loan Applications: Apply for quick mobile loans and receive money in your KCB account within minutes.
  • Airtime Purchase: Buy airtime for yourself or others with a simple tap on the app or via USSD.

KCB Customer Care Contacts

If you encounter any issues during the activation process or need further assistance, you can reach KCB through the following channels:


With these simple steps, you can activate KCB mobile banking and start enjoying convenient and secure banking services. Whether you’re on Android, iOS, or using USSD, KCB mobile banking ensures that banking is always within your reach.