KCB M-PESA is a loans and savings product exclusively offered by KCB Bank Kenya Ltd to Safaricom M-PESA customers.

Be a registered and active Safaricom M-PESA customer.

Money in and out of the KCB M-PESA Account is available through M-PESA.

1. To deposit from M-PESA

• Access the KCB M-PESA menu.
• Select Deposit from M-PESA.
• Enter the amount and commit.
• Your M-PESA will be deducted and your KCB M-PESA Account credited with the amount.

 2. To withdraw to M-PESA

• Access the KCB M-PESA menu.
• Select Withdraw to M-PESA.
• Enter the amount and commit.
• Your KCB M-PESA Account will be deducted and your M-PESA Account credited with the amount.

• Access the KCB M-PESA menu
• Select My Account
• You can check your account balance or request for a Mini Statement.

• Go to M-PESA menu 
• Select Loans and Savings 
• Select KCB M-PESA 
• Select Loan 
• Select Check Loan Limit.

The cost for the one month loan is 7.35%

• Go to M-PESA menu 
• Select Loans and Savings 
• Select KCB M-PESA 
• Select Request Loan 
• Enter Amount & follow prompts to complete

1. Using Safaricom Toolkit

• Go to M-PESA menu 
• Select Loans and Savings
• Select KCB M-PESA
• Select Pay Loan 
• Select to pay from M-PESA or from your KCB M-PESA Account 
• Enter amount & follow prompts to complete.

 2. Using M-PESA Paybill 522559

• Go to M-PESA menu
• Select Lipa na M-PESA
• Select Paybill & Enter Business & enter 522559 as Business Number
• Select Account no. & enter “Borrower’s ID number e.g. 12345678’’

Enter amount & follow prompts to complete

• You have been listed with the Credit Reference Bureau.
• You already have an existing KCB M-PESA loan.
• You have a low credit rating.
• Late repayment of a previous loan thus you have been blacklisted.

• Increase activity on your KCB M-PESA account by moving money in and out of your account.
• Increase savings on your KCB M-PESA account.
• Increase usage of M-PESA services.
• Early and prompt repayment of KCB M-PESA loans

• Go to M-PESA menu
• Select Loans and Savings,
• Select KCB M-PESA,
• Select Fixed Savings account,
• Select Fixed Deposit or Target Savings Account

There are two Savings accounts available on KCB M-PESA

1. M-PESA Fixed savings account

This account allows you to lock a specific amount of cash for a period of up to 12 months.

2. M-PESA Target savings account

This account allows you to set a target and make deposits towards achieving that target for a period of up to 12 months.

• Go to M-PESA menu
• Select Loans and Savings, KCB M-PESA
• Select Fixed Savings Account
• Select Fixed deposit
• Open Account
• Select the source of funds;
• M-PESA
• KCB M-PESA
• Enter amount (minimum amount needs to be Kshs.500 and above)
• Enter period (1 up to 12 months)
• Enter M-PESA PIN and complete the transaction

• Go to M-PESA menu
• Select Loans and Savings
• Select KCB M-PESA
• Select Fixed Savings Account 
• Select Target Savings Account
• Select Open Account
• Select source of funds;
  • M-PESA
  • KCB M-PESA
• Enter Target amount you intend to save for the period (minimum amount is Kshs.1,000)
• Enter period (1 up to 12 months)
• Enter initial deposit amount (not less than Kshs.50)
• Enter M-PESA PIN and complete the transaction

No. Opening is free.

Upon successful opt-in, the minimum amount to begin saving is Kshs.50, thereafter you can save with any amount you desire. Once you have deposited the savings amount into the account, you will receive an SMS acknowledging the amount you have saved and period chosen.

***for savings exceeding Kshs. 250,000.00, a customer will be requested to visit any KCB branch to submit further documentation for identification purposes.

At the end of the period, an SMS will be sent to you from KCB M-PESA informing you of the maturity, the amount saved plus interest earned

Yes, you can access your funds before the end of the period. Target savings can be unlocked anytime except;

1. Opening date
2. Any day when a Top-up is done

Money saved in the Target and Fixed Savings accounts earn interest at 6.3% p.a.

For Target Savings you earn accrued interest up to the date of withdrawal however for Fixed Savings you forfeit the interest.

To track progress of your savings;

• Go to M-PESA Menu
• Select Loans and Savings
• Select KCB M-PESA
• Select My Account
• Select Check Balance
• Enter M-PESA PIN and submit

Yes. If you are listed on CRB you can save with KCB M-PESA.

• Call 0711 087000 or 0732 187000
• WhatsApp 0711 087087
• Access the KCB Bank website kcbgroup.com or Safaricom website www.safaricom.co.ke
• Visit your nearest KCB Bank branch in Kenya