KCOOKENA11-character variant (head office):
KCOOKENAXXX| Bank code | Country | Location |
|---|---|---|
| KCOO | KE | NA |
| Co-op Bank | KE (Kenya) | Nairobi |
An 11-character variant like KCOOKENAXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'KCOOKENA001') refer to specific branches.
Co-operative Bank of Kenya was founded in 1965 to serve the country's extensive cooperative-society movement and has grown into one of Kenya's top-tier commercial banks. The bank is majority-owned by the cooperative-society sector through Co-op Holdings Co-operative Society. Co-op Bank operates more than 180 branches across Kenya and runs a subsidiary in South Sudan plus an investment-banking arm and an insurance business. The bank is listed on the Nairobi Securities Exchange. For inbound diaspora wires, SWIFT code KCOOKENA routes funds to the Haile Selassie Avenue head office; the long form KCOOKENAXXX explicitly designates the head office. The bank-code prefix KCOO is distinctive — derived from "Kenya Cooperative".
vs KES (Kenyan Shilling)
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SWIFT and BIC are two names for the same identifier: an 8 or 11-character code standardised by ISO 9362 that identifies a bank in the SWIFT payment network. For a wire to Co-op Bank, your sending bank needs this code (KCOOKENA) to route the payment message through correspondent banks to Co-operative Bank of Kenya in Nairobi.
An IBAN, by contrast, identifies a specific bank account — not the institution. IBANs are mandatory in the European Economic Area, the UK, most of the Middle East, and several African countries (but Kenya does not use IBANs universally). For most wires to Kenya, you will supply SWIFT code KCOOKENA + the recipient's account number, not an IBAN.
UK sort codes (6 digits) and US routing numbers (9 digits) are domestic-only equivalents — they do not work for international wires. If a US-based sender wants to wire to Co-op Bank, they need the SWIFT code, not the US routing number of the correspondent bank (although their bank may use the routing number internally to route their side of the wire).
One final technical detail on the 11-character form: the last three characters identify a specific branch. When they read 'XXX' (as in KCOOKENAXXX), they conventionally designate the head office itself. Most international wires use either the 8-character form or the 11-character form with XXX; unless your recipient explicitly tells you otherwise, that is the right choice.
Co-operative Bank of Kenya's SWIFT/BIC code is KCOOKENA. This 8-character code identifies the bank's Nairobi head office for international wire transfers.
Yes. SWIFT (Society for Worldwide Interbank Financial Telecommunication) and BIC (Business Identifier Code) are two names for the same 8 or 11-character identifier standardised by ISO 9362. You will see Co-op Bank's code referenced under either name on different financial platforms.
Yes. For an international wire to reach your Co-op Bank account, the sender needs SWIFT code KCOOKENA AND your account number. Some sending banks also request the recipient bank's full address (Co-operative Bank House, Haile Selassie Avenue, Nairobi).
Typically 1 to 5 business days. The timing depends on the intermediary (correspondent) banks between the sending bank and Co-op Bank. Wires from major global banks (HSBC, Barclays, JPMorgan, Citi) usually clear fastest.
For smaller amounts to Kenya, operators such as Wise, LemFi, Sendwave, and TapTap Send typically offer a rate closer to mid-market and lower fees than a classic SWIFT bank wire. See our Kenya inbound corridor comparison for side-by-side pricing.
Source: Co-op Bank's official website + Wise SWIFT directory. Last verified: 2026-06-04. SWIFT codes change rarely but always confirm with your bank before initiating a transfer. Educational only — not financial advice.