How to Become a KCB Mtaani Agent in Kenya

Discover the KCB Mtaani banking model in Kenya - bringing essential services closer to customers with its network of agents. Learn how anyone can become an agent and earn commissions

May 31, 2023 - 20:44
May 31, 2023 - 21:11
How to Become a KCB Mtaani Agent in Kenya
How to Become a KCB Mtaani Agent in Kenya

KCB Mtaani is an innovative banking model offered by the Kenya Commercial Bank (KCB), designed to bring essential banking services closer to the customers. Through a network of over 12,000 agents, KCB Mtaani seeks to provide a convenient banking experience, eliminating the need for physical branches or ATMs.

This approach allows for seamless integration of banking services with existing businesses. As a result, it becomes easier for customers to access a broad range of banking services from their neighborhood stores or shops.

Banking Services

Comprehensive Services Offered by KCB Mtaani

KCB Mtaani Agents offer an array of services that aim to simplify your banking experience. These services include:

  1. Cash Deposits
  2. School fees payments
  3. Rent payments
  4. Bill payments
  5. Funds transfer
  6. Balance inquiries
  7. Mini statement requests
  8. Account opening
  9. NHIF, NSSF, and KRA payments

The Convenience of KCB Mtaani

In an era where convenience is crucial, KCB Mtaani is setting the pace. This initiative eliminates the need to visit a bank branch for various transactions. Now, you can access banking services within your neighborhood, thanks to the KCB Mtaani Agents.

Becoming a KCB Mtaani Agent

KCB allows business owners to become part of this revolutionary banking experience. The requirements are straightforward and user-friendly:

  • Have a bank account with KCB
  • Two colored passport-size photos
  • Pin certificate
  • Identification document
  • A valid certificate of good conduct
  • Business License
  • The existing business must have operated for a minimum of 12 months
  • Fill out application forms from the nearest KCB branch

Earning Commissions as a KCB Mtaani Agent

As a KCB Mtaani Agent, you earn a commission on every transaction, providing a lucrative avenue for revenue generation. The commissions are based on the type and value of the transaction performed at your agency shop.

Commission on Cash Deposits

The commission on cash deposits varies with the amount deposited. For instance, an agent gets 10 Ksh for deposits ranging between 100 - 10,000 Ksh, and it increases up to 30 Ksh for deposits between 75,001 - 100,000 Ksh.

Deposit Limits (Ksh) Agent Commission (Ksh)
100 – 10,000 10
10,001 – 20,000 15
20,001 – 50,000 20
50,001 – 75,000 25
75,001 – 100,000 30

Commission on Cash Withdrawals

The commission on cash withdrawals is also dependent on the amount withdrawn. An agent earns 10 Ksh for withdrawals ranging between 100 - 2,000 Ksh, with the commission increasing to 92.50 Ksh for withdrawals between 75,001 - 100,000 Ksh.

Withdrawal Limits (Kshs) Charge (Kshs) Agent Commission (Kshs)
100 – 2,000 20 10
2,001 – 5,000 30 15
2,501 – 5,000 32 16
5,001 – 10,000 53 26.50
10,001 – 20,000 75 37.50
20,001 – 35,000 105 52.50
35,001 – 50,000 105 52.50
50,001 – 75,000 185 92.50
75,001 – 100,000 185 92.50

READ ALSO: KCB Paybill Number: How to Deposit Money into KCB Account Using Mpesa


KCB Mtaani is a game-changer in the banking industry in Kenya. It promotes financial inclusivity by availing banking services closer to the people, which also provides an opportunity for business owners to earn extra income through commissions. With easy-to-meet requirements, anyone can become a KCB Mtaani Agent and join the banking revolution.

What's Your Reaction?








Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.