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How To Become A Co-Op Kwa Jirani Agent

Co-operative bank allows individuals and business to apply and work with Co-operative bank as agents through Co-op Kwa Jirani Agent services. One must meet the conditions before making Co-op Kwa Jirani Agent Application.

Co-op Kwa Jirani enables customers to carry out all banking transactions through an agent appointed by the bank.

As an agents you will be able to carry out co-operative bank transactions such as deposit taking, cash withdrawals, school fees payments, utility payments, balance inquiry, mini-statements among others. One will need to have an account with Co-operative Bank to work as an agent. Minimum balance of an agent will be determined by one’s appraisal forwarded to the Co-operative Bank.

Co-p Kwa Jirani Services allows Customers, non-customers, SACCO-link members, Co-operatives, MCU customers, SME customers and corporates to carry out transactions with Co-operative bank.

As an agent Cash withdrawals are limited for monies up to Ksh. 1000,000 but there is no limit on cash deposit and school fees payments.

Requirements For Application

Before you can apply as a Co-op kwa Jirani Agent make sure you have the listed below documents

  1. Certificate of good conduct (for the individual)
  2. PIN certificate
  3. Bank statements if you are not a Co-op Bank account holder
  4. Business permits for the last 12 months
  5. Current business permit
  6. Certificate of registration
  7. Copy of ID or equivalent
  8. Two passport size photographs
  9. Business owners’ or directors’ CVs
  10. CBK Form 3 & CBK Form 4 witnessed by Commissioner of Oaths
For corporates and SACCOs, the following additional documents will be required:
  1. Audited books of accounts for the last two years
  2. Resolution to carry out agency banking
  3. SASRA approval for FOSA’s
  4. VAT registration (where applicable)
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The applicable fees to facilitate approval are:
  1. CBK application fee – Ksh 1,000
  2. Float placement – Determined by customer limit which is arrived at during appraisal
Application Process

Once you have the necessary documents ready, visit the nearest Co-operative bank branch with your documents. You application will have to be approved by the co-operative bank and the Central bank of Kenya before you can begin the Co-op Kwa Jirani Agency services.

Co-op Kwa Jirani Agent Commission

Now that you have set up your agent shop how much commission will you earn?

Co-operative bank Customers earn commission on each transaction they make. The commission largely depend on the amount involved and the service being offered. Below is a breakdown of commission one can earn on both withdrawal, deposit and utility payments.

Also Read:How To Become A Jumia Agent


Cooperative Bank Agent Commission On Withdrawal

Amount (Kshs)Charges (Kshs)Agent Commission (Kshs)
50 – 2,0005020

Cooperative Bank Agent Commission On Deposit

Amount (Ksh)Charges (Ksh)Commission(Ksh)



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Majira M

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