Verified 12 September 2026
KCB Vooma and the KCB App
By Arnold Ochieng · KCB Bank Kenya hub · paybillke is an independent guide and is not affiliated with KCB Bank Kenya.
KCB gives you two mobile tools. The KCB app runs your bank account, and KCB Vooma is KCB's mobile money wallet for paying, sending and lipa services. Together they let you bank and transact from your phone without a branch.
What each does
The KCB app lets you check balances, move money, pay bills, buy airtime, apply for loans and manage cards. KCB Vooma is the wallet and Lipa na Vooma service for paying merchants and schools, sending money, and quick transactions, and it appears as a payment option for KCB school payments.
Getting started
Download the KCB app or the KCB Vooma app, register with your phone and account details, set your PIN, and you are ready. From either you can pay a KCB paybill, send to another bank via PesaLink, and top up airtime.
With M-PESA
You can move between KCB and M-PESA both ways, using paybill 522522 to push from M-PESA into your KCB account, and the app or Vooma to send out. This is the everyday bridge between your bank and your mobile money.
Frequently asked
What is KCB Vooma?
KCB's mobile money wallet and lipa service.
Is the KCB app free?
Yes, on Android and iPhone.
Can I borrow on the app?
Yes, mobile loans through KCB channels.