KCB Bank is under fire from its own customers who accuse it of enabling fraud and failing to protect their money.
What should be a trusted financial institution is now being described as a danger to those who bank with it.
Complaints point to cases where customers lose large sums and instead of receiving proper support, they feel ignored or even pressured to keep quiet.
The growing anger shows a pattern where the bank seems more concerned with its image than the safety of people’s savings.
One of the loudest voices is that of a user called Ja Loka, who shared how he reported suspicious activity only for KCB to call him and demand he delete his post online.
This raised suspicions of a cover-up rather than a serious investigation. He later revealed that his inbox was flooded with similar stories from others who had also lost money or faced strange incidents that pointed to insider leaks within the bank.
The cases described are troubling. A family who withdrew 500,000 shillings from the KCB Kikuyu branch was later robbed by men dressed as police officers, and suspicions were immediately directed at the bank for possibly tipping off criminals.
Another customer reported receiving calls and messages right after depositing money, asking for secret codes to “fix” his account something that clearly hinted at internal compromise.
Even businesses are caught up in these scams. One timber dealer was tricked when a supposed client “overpaid” through KCB, leaving funds that appeared in his account but were unusable. Another customer said money sent from KCB to M-Pesa simply vanished, and the bank’s response was slow and dismissive. In Uganda, a customer complained that money was withdrawn without their consent, but the bank refused to disclose who was behind it.
KCB’s own record shows it has fired dozens of employees for fraud, yet the problems keep spreading.
Digital platforms like KCB M-Pesa have faced glitches where funds disappear, leaving communities stranded and treated like suspects. Customers argue this shows poor systems, lack of accountability, and possible insider involvement.
The picture that emerges is of a bank losing public trust. People feel unsafe, uncertain if their money will remain theirs once deposited. Instead of protecting clients, KCB appears to be failing in its basic duty, with many now openly calling it one of the worst banks to entrust with hard-earned savings.
Until there is real accountability and tighter controls, these scandals will continue to define KCB’s reputation.
