Cooperative bank Kenya gives businesses, SACCOs, and other cooperate bodies a chance to become Co-op bank agents, better known as a Co-op Kwa Jirani agent, by fulfilling the requirements made by the bank and the Central Bank of Kenya.
A Cooperative bank agent earns a commission based on the withdrawals, deposits, and utility bill payments made by customers.
This article will guide you step by step on how to become a Co-op Kwa Jirani agent and show you the commission they get.
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- How to Apply for Co-operative Bank Mco-op Cash Loan
Services offered at Co-op Kwa Jirani agents include cash withdrawals, cash deposits, money transfers, fee payments, utility bill payments, NHIF payments, KRA dues, balance enquiries, and mini statements.
All deposits made through the Co-op Kwa Jirani agent do not attract any charges. However, Co-op bank charges a certain fee on all withdrawals, depending on the amount.
Cooperative Bank (Co-op Kwa Jirani) Cash Withdrawal Charges and Agent Commission Chart
Amount (Kshs) | Charges (Ksh) | Agent Commission (Ksh) |
50 – 2,000 | 50 | 20 |
2,001-5,000 | 50 | 20 |
5,001-10,000 | 70 | 30 |
10,001-20,000 | 80 | 35 |
20,001-30,000 | 100 | 45 |
30,001-40,000 | 120 | 55 |
40,001-50,000 | 140 | 65 |
50,001-100,000 | 250 | 120 |
Disclaimer: Co-op bank can change their commissions and charges at any time at their own discretion.
Other Co-op Kwa Jirani Charges include:
- KPLC Prepaid, Water companies and other utility bills: Ksh. 50 irrespective of amount.
- Balance enquiry: Ksh. 10
- Mini Statement: Ksh. 20
- School fees with card: Ksh 50 or Free with cash
- Funds transfer to Co-op bank account, SACCO account, Fethalink: Ksh. 50 any amount.
- NHIF, County and KRA payments: Ksh. 50.
Co-op bank Agency Cash withdrawal limit is pegged at Ksh. 100,000. There are no limits to cash deposits and school fees payments.
How to Become a Co-op Kwa Jirani Agent

Here is a list of businesses and entities which can become Co-op Kwa Jirani agents:
- Limited liability companies
- Sole proprietorships
- Partnerships
- Societies
- Co-operative societies
- State corporations
- Trusts
- Public entities
Documents Required for Co-op Kwa Jirani Agency Application
It is not a must to be having a Co-op bank account in order to apply for agency services. All you need to do is to visit the nearest Co-operative bank branch and fill an application.
You will be required to submit the following documents together with the application form:
- Certificate of good conduct (for the individual)
- PIN certificate
- Bank 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 photographs
- Business owners’ or 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 – Ksh 1,000
- Float placement – Determined by customer limit which is arrived at during appraisal
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