SendMoneyCompare — International Money Transfer Comparison

Ahsan Mukhtar

SWIFT codes in Kenya

KE · KES

By Awais ImranUpdated October 9, 2026Kenya codes from the SWIFT registryOur methodology

82 banks in Kenya, from AFRICAN BANKING CORPORATION LTD (ABCLKENA) onward; every code carries KE as its country part.

Banks

82

SWIFT codes

86

Branches

166

Currency

KES

Banks and SWIFT codes in Kenya

A3 banks · 3 swift codes

A
AFRICAN BANKING CORPORATION LTD

SWIFT/BIC	City	Branch	Address
`ABCLKENAXXX`	NAIROBI	Head Office	—

A
AFRICAN DEVELOPMENT BANK

SWIFT/BIC	City	Branch	Address
`AFDBKEN1XXX`	NAIROBI	Head Office	—

A
AFRIKA INVESTMENT BANK LTD

SWIFT/BIC	City	Branch	Address
`ASHSKEN1XXX`	NAIROBI	Head Office	—

B8 banks · 41 swift codes

B
BANK OF AFRICA KENYA LTD

SWIFT/BIC	City	Branch	Address
`AFRIKENXXXX`	NAIROBI	Head Office	—
`AFRIKENX002`	MOMBASA	002	MOMBASA BRANCH

B
BANK OF BARODA (KENYA) LTD

SWIFT/BIC	City	Branch	Address
`BARBKENAXXX`	NAIROBI	Head Office	—
`BARBKENADIA`	NAIROBI	DIA	DIAMOND PLAZA
`BARBKENAELD`	ELDORET	ELD	ELDORET BRANCH
`BARBKENAIND`	NAIROBI	IND	INDUSTRIAL AREA BR.
`BARBKENAKAK`	KAKAMEGA	KAK	KAKAMEGA BRANCH
`BARBKENAKIS`	KISUMU	KIS	KISUMU BRANCH
`BARBKENAMER`	MERU	MER	MERU BRANCH
`BARBKENAMOM`	MOMBASA	MOM	DIGO ROAD, MOMBASA
`BARBKENAMRN`	MOMBASA	MRN	MOMBASA ROAD BRANCH
`BARBKENANAK`	NAKURU	NAK	NAKURU BRANCH
`BARBKENANMO`	NAIROBI	NMO	NAIROBI MAIN
`BARBKENANYA`	MOMBASA	NYA	NYALI BRANCH, MOMBASA, KENYA
`BARBKENASAR`	NAIROBI	SAR	SARIT CENTRE
`BARBKENATHI`	THIKA	THI	THIKA BRANCH

B
BANK OF INDIA

SWIFT/BIC	City	Branch	Address
`BKIDKEM1XXX`	MOMBASA	Head Office	—
`BKIDKENAXXX`	NAIROBI	Head Office	—
`BKIDKEM10NA`	NAIROBI	0NA	—
`BKIDKENAELD`	ELDORET	ELD	ELDORET
`BKIDKENAIAB`	NAIROBI	IAB	INDUSTRIAL AREA BR
`BKIDKENAKSM`	KISUMU	KSM	KISUMU
`BKIDKENAMSA`	MOMBASA	MSA	MOMBASA BR
`BKIDKENAWST`	NAIROBI	WST	WESTLANDS BR

B
BARCLAYS BANK OF KENYA, LTD.

SWIFT/BIC	City	Branch	Address
`BARCKENXXXX`	NAIROBI	Head Office	—
`BARCKENXDLR`	NAIROBI	DLR	DEALERS DEPARTMENT H/O
`BARCKENXELD`	ELDORET	ELD	ELDORET BRANCH
`BARCKENXMDR`	MOMBASA	MDR	DIGO ROAD MOMBASA
`BARCKENXMNR`	MOMBASA	MNR	NKRUMAH ROAD BRANCH
`BARCKENXNCC`	NAIROBI	NCC	CARD CENTRE NAIROBI
`BARCKENXNDC`	NAIROBI	NDC	NAIROBI DISTRIBUTION CENTRE
`BARCKENXNPB`	NAIROBI	NPB	PLAZA BUSINESS CENTRE
`BARCKENXOCB`	NAIROBI	OCB	BACK OFFICE PROCESSING CENTRE, BANK HOUSE
`BARCKENXPIS`	NAIROBI	PIS	PAYMENTS AND INTERNATIONAL SERVICES
`BARCKENXTPC`	NAIROBI	TPC	TRADE PROCESSING CENTRE
`BARCKENXVPC`	NAIROBI	VPC	VOUCHER PROCESSING CENTRE

B
BARCLAYTRUST INVESTMENT SERVICES LIMITED

SWIFT/BIC	City	Branch	Address
`BAIVKEN1XXX`	NAIROBI	Head Office	—

B
BIASHARA BANK OF KENYA LTD.

SWIFT/BIC	City	Branch	Address
`BIBKKEN1XXX`	NAIROBI	Head Office	—
`BIBKKEN10MB`	MOMBASA	0MB	—

B
BRITISH AMERICAN TOBACCO AREA LTD

SWIFT/BIC	City	Branch	Address
`BATSKE31XXX`	NAIROBI	Head Office	—

B
BRITISH AMERICAN TOBACCO KENYA LTD

SWIFT/BIC	City	Branch	Address
`BATSKEN1XXX`	NAIROBI	Head Office	—

C11 banks · 18 swift codes

C
CARITAS MICROFINANCE BANK LIMITED

SWIFT/BIC	City	Branch	Address
`CRMFKENAXXX`	NAIROBI	Head Office	—

C
CENTRAL BANK OF KENYA

SWIFT/BIC	City	Branch	Address
`CBKEKENXXXX`	NAIROBI	Head Office	—
`CBKEKEN1ELD`	ELDORET	ELD	ELDORET BRANCH
`CBKEKEN1KSM`	KISUMU	KSM	KISUMU BRANCH
`CBKEKEN1MSA`	MOMBASA	MSA	MOMBASA BRANCH
`CBKEKENXBKG`	NAIROBI	BKG	BANKING DIVISION
`CBKEKENXCNY`	NAIROBI	CNY	CURRENCY DIVISION
`CBKEKENXNDO`	NAIROBI	NDO	NATIONAL DEBT DIVISION

C
CENTRAL DEPOSITORY AND SETTLEMENT CORPORATION

SWIFT/BIC	City	Branch	Address
`CDSNKENAXXX`	NAIROBI	Head Office	—

C
CFC FINANCIAL SERVICES LIMITED

SWIFT/BIC	City	Branch	Address
`CFFSKEN1XXX`	NAIROBI	Head Office	—

C
CHARTERHOUSE BANK LIMITED

SWIFT/BIC	City	Branch	Address
`CHBLKEN1XXX`	NAIROBI	Head Office	—

C
CHASE BANK (KENYA) LIMITED

SWIFT/BIC	City	Branch	Address
`CKENKENAXXX`	NAIROBI	Head Office	—

C
CITIBANK N.A. NAIROBI

SWIFT/BIC	City	Branch	Address
`CITIKENAXXX`	NAIROBI	Head Office	—
`CITIKENATRD`	NAIROBI	TRD	TRADE SERVICES DEPARTMENT

C
COMMERCIAL BANK OF AFRICA LTD.

SWIFT/BIC	City	Branch	Address
`CBAFKENXXXX`	NAIROBI	Head Office	—

C
CONSOLIDATED BANK OF KENYA LTD

SWIFT/BIC	City	Branch	Address
`CONKKENAXXX`	NAIROBI	Head Office	—

C
CREDIT BANK LIMITED

SWIFT/BIC	City	Branch	Address
`CRBTKENAXXX`	NAIROBI	Head Office	—

C
CROSSFIELD SECURITIES LTD

SWIFT/BIC	City	Branch	Address
`CRORKEN1XXX`	NAIROBI	Head Office	—

D6 banks · 6 swift codes

D
DEVELOPMENT BANK OF KENYA LIMITED

SWIFT/BIC	City	Branch	Address
`DEVKKENAXXX`	NAIROBI	Head Office	—

D
DIAMOND TRUST BANK KENYA LIMITED

SWIFT/BIC	City	Branch	Address
`DTKEKENAXXX`	NAIROBI	Head Office	HEAD OFFICE

D
DIB BANK KENYA LTD

SWIFT/BIC	City	Branch	Address
`DUIBKENAXXX`	NAIROBI	Head Office	—

D
DISCOUNT SECURITIES LIMITED

SWIFT/BIC	City	Branch	Address
`DISRKEN1XXX`	NAIROBI	Head Office	—

D
DRUMMOND INVESTMENT BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FRDRKEN1XXX`	NAIROBI	Head Office	—

D
DYER AND BLAIR LIMITED

SWIFT/BIC	City	Branch	Address
`DYBRKEN1XXX`	NAIROBI	Head Office	—

E7 banks · 7 swift codes

E
EAST AFRICAN DEVELOPMENT BANK

SWIFT/BIC	City	Branch	Address
`EADBKEN1XXX`	NAIROBI	Head Office	—

E
EASTERN AND SOUTHERN AFRICAN TRADE AND DEVELOPMENTBANK

SWIFT/BIC	City	Branch	Address
`ESATKENAXXX`	NAIROBI	Head Office	—

E
ECOBANK KENYA LTD

SWIFT/BIC	City	Branch	Address
`ECOCKENAXXX`	NAIROBI	Head Office	—

E
EFG HERMES KENYA LIMITED

SWIFT/BIC	City	Branch	Address
`EFHKKEN1XXX`	NAIROBI	Head Office	—

E
EQUITY BANK (KENYA) LIMITED

SWIFT/BIC	City	Branch	Address
`EQBLKENAXXX`	NAIROBI	Head Office	—

E
EQUITY STOCKBROKERS LIMITED

SWIFT/BIC	City	Branch	Address
`EQSTKEN1XXX`	NAIROBI	Head Office	—

E
EURO BANK

SWIFT/BIC	City	Branch	Address
`EUOOKEN1XXX`	NAIROBI	Head Office	—

F4 banks · 4 swift codes

F
FAIDA INVESTMENT BANK LTD

SWIFT/BIC	City	Branch	Address
`FASRKEN1XXX`	NAIROBI	Head Office	—

F
FAMILY BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FABLKENAXXX`	NAIROBI	Head Office	—

F
FAULU MICROFINANCE BANK LIMITED

SWIFT/BIC	City	Branch	Address
`FAUMKENAXXX`	NAIROBI	Head Office	—

F
FIRST COMMUNITY BANK LIMITED

SWIFT/BIC	City	Branch	Address
`IFCBKENAXXX`	NAIROBI	Head Office	—

G4 banks · 4 swift codes

G
GIRO COMMERCIAL BANK LTD

SWIFT/BIC	City	Branch	Address
`GIROKENXXXX`	NAIROBI	Head Office	—

G
GUARANTY TRUST BANK (KENYA) LTD

SWIFT/BIC	City	Branch	Address
`GTBIKENAXXX`	NAIROBI	Head Office	—

G
GUARDIAN BANK LIMITED

SWIFT/BIC	City	Branch	Address
`GUARKENAXXX`	NAIROBI	Head Office	—

G
GULF AFRICAN BANK LTD

SWIFT/BIC	City	Branch	Address
`GAFRKENAXXX`	NAIROBI	Head Office	—

H3 banks · 4 swift codes

H
HABIB BANK AG ZURICH

SWIFT/BIC	City	Branch	Address
`HBZUKENAXXX`	NAIROBI	Head Office	—
`HBZUKEN1MSA`	MOMBASA	MSA	—

H
HAK SECURITIES LTD

SWIFT/BIC	City	Branch	Address
`HAKSKEN1XXX`	NAIROBI	Head Office	—

H
HFC LIMITED

SWIFT/BIC	City	Branch	Address
`HFCOKENAXXX`	NAIROBI	Head Office	—

I2 banks · 5 swift codes

I
I AND M BANK LTD

SWIFT/BIC	City	Branch	Address
`IMBLKENAXXX`	NAIROBI	Head Office	—
`IMBLKENAFTR`	NAIROBI	FTR	FUNDS TRANSFER DEPARTMENT
`IMBLKENASTL`	NAIROBI	STL	SETTLEMENT DEPARTMENT
`IMBLKENATRD`	NAIROBI	TRD	TRADE FINANCE DEPARTMENT

I
IMPERIAL BANK LIMITED

SWIFT/BIC	City	Branch	Address
`IMPLKENAXXX`	NAIROBI	Head Office	—

J1 banks · 1 swift codes

J
JAMII BORA BANK LTD

SWIFT/BIC	City	Branch	Address
`CIFIKENAXXX`	NAIROBI	Head Office	—

K1 banks · 7 swift codes

K
KCB BANK KENYA LIMITED

SWIFT/BIC	City	Branch	Address
`KCBLKENXXXX`	NAIROBI	Head Office	HEAD OFFICE
`KCBLKENX002`	NAIROBI	002	INDUSTRIAL AREA
`KCBLKENX005`	NAIROBI	005	KIPANDE HOUSE
`KCBLKENX012`	NAIROBI	012	GIGIRI-UNEP BRANCH
`KCBLKENX017`	NAIROBI	017	MOI AVENUE
`KCBLKENX077`	NAIROBI	077	KISUMU MAIN
`KCBLKENX080`	MOMBASA	080	TREASURY SQUARE

Showing 100 of 166 registered branch codes for Kenya. The full registry is searchable at swift.com, the authority that issues them.

Kenya SWIFT code questions

What does a Kenya SWIFT code look like?

ABCLKENAXXX (AFRICAN BANKING CORPORATION LTD): bank ABCL, country KE, location NA, branch XXX.

What are the SWIFT codes for major Kenyan banks?

Key Kenyan bank SWIFT codes include: Kenya Commercial Bank (KCB) — KCBLKENX, Equity Bank — EQBLKENA, Cooperative Bank of Kenya — COOPKENAXXX, NCBA Bank — CBAFKENAXXX, Stanbic Kenya — SBICKENX, Absa Kenya — BARCKENX, and Standard Chartered Kenya — SCBLKENX.

Can M-Pesa receive international SWIFT wire transfers directly?

No. M-Pesa is a mobile money network and cannot directly receive international SWIFT wire transfers. For bank-to-bank international wires, the sender must use the recipient bank's SWIFT code and account number. However, many international remittance providers (Western Union, WorldRemit, Remitly) can deliver funds to M-Pesa wallets through their own networks — this is separate from a SWIFT transfer.

How long does a SWIFT transfer to Kenya take?

SWIFT transfers to Kenya typically arrive within one to three business days. Transfers from the UK and US — major corridors for the Kenyan diaspora — usually settle within one to two business days. Same-day delivery is sometimes possible for transfers sent early in the business day to major banks like KCB or Equity Bank. M-Pesa deliveries via remittance provider networks can be near-instant.

Can I receive USD or other foreign currencies in a Kenyan bank account?

Yes. The Central Bank of Kenya permits individuals and businesses to hold Foreign Currency Accounts (FCAs) at licensed Kenyan banks. Inbound USD, EUR, and GBP transfers can be credited directly to an FCA without mandatory conversion to KES. This is particularly useful for recipients who regularly receive foreign payments and want to avoid conversion at potentially unfavorable rates.

Are there CBK regulations affecting large inbound transfers to Kenya?

Yes. The Central Bank of Kenya requires that large foreign currency inflows be reported for balance-of-payments purposes. Transfers used for specific purposes (investment, property purchase, business) may require documentation. For personal remittances under USD 10,000, the process is typically straightforward. Kenyan banks are required to perform KYC (Know Your Customer) checks and may request documentation for unusual or large transactions.

What is the difference between receiving money via SWIFT and via a mobile money provider?

SWIFT transfers go bank-to-bank and require the recipient to have a Kenyan bank account with a SWIFT code. They are best for larger amounts (above USD 500) and business payments. Mobile money providers like M-Pesa accept international remittances through remittance provider networks (not SWIFT directly) and are better for smaller, frequent personal transfers to recipients without formal bank accounts.

Are there fees for receiving a SWIFT transfer in Kenya?

Kenyan banks typically charge an inbound wire processing fee of KES 500–2,000 per transaction, depending on the bank and amount. Currency conversion includes an additional spread. For transfers from the UK and US, providers using mobile money or local bank payout networks often offer better value than standard SWIFT for amounts under USD 1,000.

How SWIFT works in Kenya

The Central Bank of Kenya (CBK) regulates banking and foreign exchange. Kenya has a dual financial ecosystem: M-Pesa dominates domestic mobile money transfers, while SWIFT underpins international wire transfers through the formal banking sector. Major Kenyan banks including KCB, Equity Bank, Co-operative Bank, and NCBA are all connected to SWIFT. Inbound international wires are credited in either KES or foreign currency depending on account type.

Kenya's four largest banks for international transfers are Kenya Commercial Bank (KCB), Equity Bank, Cooperative Bank of Kenya, and NCBA (formed from the merger of NIC Bank and Commercial Bank of Africa). Stanbic Kenya (a subsidiary of Standard Bank Group) and Absa Kenya are commonly used for USD and EUR corporate payments due to their South African parent networks.
CBK regulations permit Kenyans to hold foreign currency accounts (FCAs) at licensed banks. Inbound USD, EUR, or GBP transfers can be credited directly to an FCA without mandatory conversion to KES. This is advantageous for recipients who receive regular foreign payments and want to avoid conversion at unfavorable rates.
M-Pesa cannot directly receive international SWIFT wire transfers, but providers like Western Union and WorldRemit can deliver funds to M-Pesa wallets using their own networks. For bank-to-bank international transfers, the sender must use the recipient bank's SWIFT code. Settlement is typically within one to two business days.
2026 update: Absa Group's Global Pay platform (March 2026) added Kenya to its 18-country African remittance network, settling directly into M-Pesa wallets via Thunes' infrastructure. Combined with WorldRemit's long-standing M-Pesa rail and TapTap Send's competitive KES corridor pricing, the practical effect for diaspora senders from the UK, US, EU, and Gulf is that mobile-money delivery now usually beats SWIFT bank-to-bank wires on both speed (minutes vs 1–2 days) and cost (sub-1% all-in vs 2–3% via SWIFT correspondents). For high-value or business payments, SWIFT via KCB, Equity, Co-op, NCBA, Stanbic, or Absa Kenya remains the right rail; for everyday remittances, the wallet rails win.

Send money to Kenya

Other countries

Need an IBAN?

For transfers to Kenya, you may also need the recipient's IBAN.

Find IBAN formats by country→

Sending money to Kenya?

Compare providers

SWIFT codes in Kenya

Banks and SWIFT codes in Kenya

AAFRICAN BANKING CORPORATION LTD

AAFRICAN DEVELOPMENT BANK

AAFRIKA INVESTMENT BANK LTD

BBANK OF AFRICA KENYA LTD

BBANK OF BARODA (KENYA) LTD

BBANK OF INDIA

BBARCLAYS BANK OF KENYA, LTD.

BBARCLAYTRUST INVESTMENT SERVICES LIMITED

BBIASHARA BANK OF KENYA LTD.

BBRITISH AMERICAN TOBACCO AREA LTD

BBRITISH AMERICAN TOBACCO KENYA LTD

CCARITAS MICROFINANCE BANK LIMITED

CCENTRAL BANK OF KENYA

CCENTRAL DEPOSITORY AND SETTLEMENT CORPORATION

CCFC FINANCIAL SERVICES LIMITED

CCHARTERHOUSE BANK LIMITED

CCHASE BANK (KENYA) LIMITED

CCITIBANK N.A. NAIROBI

CCOMMERCIAL BANK OF AFRICA LTD.

CCONSOLIDATED BANK OF KENYA LTD

CCREDIT BANK LIMITED

CCROSSFIELD SECURITIES LTD

DDEVELOPMENT BANK OF KENYA LIMITED

DDIAMOND TRUST BANK KENYA LIMITED

DDIB BANK KENYA LTD

DDISCOUNT SECURITIES LIMITED

DDRUMMOND INVESTMENT BANK LIMITED

DDYER AND BLAIR LIMITED

EEAST AFRICAN DEVELOPMENT BANK

EEASTERN AND SOUTHERN AFRICAN TRADE AND DEVELOPMENTBANK

EECOBANK KENYA LTD

EEFG HERMES KENYA LIMITED

EEQUITY BANK (KENYA) LIMITED

EEQUITY STOCKBROKERS LIMITED

EEURO BANK

FFAIDA INVESTMENT BANK LTD

FFAMILY BANK LIMITED

FFAULU MICROFINANCE BANK LIMITED

FFIRST COMMUNITY BANK LIMITED

GGIRO COMMERCIAL BANK LTD

GGUARANTY TRUST BANK (KENYA) LTD

GGUARDIAN BANK LIMITED

GGULF AFRICAN BANK LTD

HHABIB BANK AG ZURICH

HHAK SECURITIES LTD

HHFC LIMITED

II AND M BANK LTD

IIMPERIAL BANK LIMITED

JJAMII BORA BANK LTD

KKCB BANK KENYA LIMITED