Top 5 Things You Can Do With The KCB Mobile Banking App

Nowadays, when we talk about banking, we are not talking about physical banking halls but the very smartphone that you walk around with. Mobile banking has become revolutionary in Kenya, and KCB Bank is leading this magic.

The latest KCB Mobile App gives you the freedom that you only hear about. Having interacted with the app, I have realized that there are 5 amazing transactions/things you can do using this app. Walk with me.

Self-onboarding

Perhaps this is one of the most innovative features of this app: the ability for a customer to open a bank account, make it active, and start transacting without filling out any forms or paperwork and without visiting a physical branch. When we talk about financial inclusion, this is what we mean: the ability for every Kenyan to have access to financial services whenever and wherever.

Goal Savings

In East Africa, Kenya lags significantly in its savings rate compared to Uganda and Tanzania. Kenya’s savings rate is estimated at an underwhelming 13 percent compared to Tanzania and Uganda, which are above 20 percent despite having a significantly lower per capita income. Many Kenyans have often blamed the unavailability of proper channels to help them save. But now we have the KCB Mobile App that lets you kick off your savings journey and set your goals.

The PAPSS Integration

KCB has integrated the Pan-African Payment and Settlement System (PAPSS) into its mobile banking app, allowing customers to initiate real-time cross-border transfers directly from the “Global Transfers → PAPSS” menu.

This integration enables users to send funds in Kenyan shillings and have them received in the recipient’s local currency across participating African countries—eliminating the need for intermediary foreign exchange conversions and reducing transaction costs and delays.

Pay Your Bills

How about paying for your bills right from your KCB Mobile App without the trouble of first moving your cash to M-Pesa and incurring some transaction costs? You can pay for your movies, order and pay for your food, among others. How about booking and paying for a flight right within your app? Amazing. Right?

The Loans

If you have been a KCB customer for at least six months, you can conveniently access the KCB Mobile Loan through the KCB App or KCB M-PESA on Safaricom’s M-PESA menu. This loan product is designed to offer quick, reliable, and paperless credit to both individual and business customers.

Your eligibility and limit are determined by your banking and M-PESA transaction history, savings patterns, and account activity. Once approved, funds are instantly disbursed into your KCB M-PESA account or directly to your KCB account, giving you immediate access to cash when you need it most.

Download this app if you haven’t. CLICK HERE TO DOWNLOAD

Read Also: Why the KCB Mobile Banking App Is A Game-Changer For Everyday Banking And Financial Inclusion