Co-op kwa Jirani

What is Co-op Kwa Jirani?
Co-op Kwa Jirani is Co-operative Bank’s Agency Banking service. Co-op Kwa Jirani enables customers to do all banking transactions through an agent appointed by the Co-operative Bank.
The agents are closely monitored by the Bank to ensure the security of your funds. Banking at an agent is as good as banking at any Co-op Bank branch.

Who can use Co-op Kwa Jirani?
  • All Co-op Bank customers 
  • Non Co-op Bank customers - deposit into any Co-op account
  • SACCO members who have a SACCO Link card
  • Customers of other financial institutions who have a FETHALINK card or a KENSWITCH card e.g. SMEP, KREP, FAULU, Bank of Africa, Chase Bank, Family Bank, Housing Finance.

Can I withdraw cash at a Co-op Kwa Jirani without my ATM card? 
YES! You can withdraw up to Kshs 100,000 per day at a Co-op Kwa Jirani using your mobile phone, if you are registered for MCo-op Cash. 
MCo-op Cash is Co-operative Bank’s upgraded mobile banking service, which enables you to access a variety of banking, money transfer and payment services.
All you will need is your mobile number and National ID Card. The withdrawal charges are based on the amount of money you withdraw. 

If I deposit cash at Co-op Kwa Jirani, does it reflect in the account immediately?
YES! If you deposit cash into any Co-op account, SACCO account, or MCo-op Cash account at Co-op Kwa Jirani, the amount you have deposited will immediately reflect in the account.
This includes payments such as school fees and rent.

Services offered at a Co-op Kwa Jirani:
Co-op Kwa Jirani Tariffs
(All Charges are exclusive of Excise Duty)

Service Amount (Kshs) Charges (Kshs)
Cash Withdrawals
From Co-op Account / SACCO Account / Fethalink
Cash Deposits
To Co-op Account / SACCO Account / Fethalink
Any amount Free
Funds Transfer
To Co-op Account / SACCO Account / Fethalink
Any amount 50
School / College / University Fees Payment
  • With Card
  • With Cash

Any amount
Any amount

Utility Bills Payment
  • KPLC Prepaid
  • Water companies

Any amount
Balance Inquiry N/A 10
Mini Statement N/A 20
Other services:
  • NHIF Payments
  • County Payments
  • Other Government Payments e.g. KRA
Any amount Free


Who can be a Co-op Kwa Jirani Agent?

  • Limited liability companies.
  • Sole proprietorships.
  • Partnerships
  • Societies
  • Co-operative societies
  • State corporations
  • Trusts
  • Public entities

What do I need to be a Co-operative Bank Agent?
You don’t have to be Co-op bank account holder to apply to be an Agent. Just visit your nearest Co-op Bank branch, fill an application form and submit the following documents along with the application form:

  • Certificate of good conduct (for the individual)
  • PIN certificate
  • Banks Statements if you are not a Co-op Bank account holder
  • Business permits for the last 12 months
  • Current business permit
  • Certificate of registration
  • Copy of ID or Equivalent
  • Two passport size photo graphs
  • Business Owners’/Directors’ CVs.
  • CBK Form 3 & CBK Form 4 witnessed by commissioner of Oaths.

For Corporates and SACCOs the following additional documents will be required:

  • Audited books of accounts for the last two years
  • Resolution to carry out agency banking.
  • SASRA approval for FOSA’s
  • VAT registration (where applicable)

The applicable fees to facilitate approval are:

  • CBK application fee -Kshs.1,000
  • Float placement- Determined by customer Limit which is arrived at during appraisal.

Approval process for Agency Banking:

Feel free to get in touch through our Call Centre 0729 277 600, 0736 690 101, SMS 16111 or email

List of Co-op Kwa Jirani Agents

Agency Banking Claim Form