Self-Registration In Four Phases
One online form, one payment, one activated account — no duplicate paper or email applications.
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Submit your details
Complete the self-registration form with accurate personal information. Referral is optional: tick I was referred by an existing member only if someone invited you, then search and select their name.
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Pay the registration fee
Approve the KCB STK Push on your phone: KSh 200 standard, or KSh 300 when referred. Prefer manual M-Pesa? Go to Lipa na M-Pesa → Paybill: 522533, Account 8091352#48291 (as shown on the phone). Either STK or this paybill payment completes your registration automatically — no manual follow-up.
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Activation
As soon as payment succeeds, your membership is activated automatically. You receive SMS, email, and app notifications. If you were referred, your referrer’s reward is paid to their M-Pesa right away.
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Start saving
Follow the SMS link to the member app and Member Portal. Regular contributions unlock loan eligibility after six months.
Before you pay on the registration form, tick the referral box if someone invited you (search and select them — referred fee commonly KSh 300 with KSh 100 to the referrer after payment), then accept the Membership Terms & Conditions. You also acknowledge our Terms of Service and Privacy Policy. Loan applications are separately subject to the Loan Application Terms.