How to Activate KCB Mobile Banking
If you want to activate KCB mobile banking, these are the official steps to get started using the USSD code *522# or via the KCB App.
Quick Answer — At a Glance
Visit a KCB branch to register or call customer care for assistance.
Dial *522# → enter or create a 4-digit PIN and confirm.
Accept terms & conditions.
Use the same phone number linked to your bank account.
Step-by-Step Guide via USSD *522#
Ensure you have a valid KCB bank account and that your phone number is registered with the bank.
Dial *522# from the registered number. (KCB Kenya)
Choose “Activate mobile banking” or “Register.”
Enter the 4-digit PIN of your choice.
Re-enter the PIN to confirm.
Accept terms & conditions.
You’ll receive a message confirming the activation.
Activation via the KCB Mobile App
Download the official KCB Mobile Banking app from Google Play Store or Apple App Store.
Open the app → select “Register” or “Activate Mobile Banking.”
Provide your account number, valid ID, and your registered phone number.
Set up a secure PIN (4 digits).
You may receive an SMS OTP (one-time password) for verification.
Accept the terms and conditions, then submit. (KCB Kenya)
Tips for a Smooth Activation
Use the same mobile number that you used when opening the KCB bank account.
Keep your ID or account details handy in case verification is needed.
Make sure your SIM is active and your network signal is good.
Change the default PIN immediately if prompted, and keep it secret. (KCB Kenya)
FAQs
Q: Can I activate KCB mobile banking instantly via USSD?
Yes — once you follow the *522# registration, set your PIN, accept terms, you’ll get activation confirmation.
Q: What do I need to do if I forget my mobile banking PIN?
Dial *522# and follow the “Reset PIN” or “Forgot PIN” option, or visit a branch if unable to reset via USSD.
Q: Do I need to go to a KCB branch?
Only if your phone number is not registered, or account identity needs verifying. Otherwise USSD or app registration should work.
Q: Will charges apply for activation or registration?
KCB’s official documents do not list a fee for activating mobile banking. But standard transaction charges will apply when you start using services.
Q: Can I use this service from any phone?
Yes — USSD works on any phone. The mobile app version requires a smartphone (Android or iOS).
