FABLKENA11-character variant (head office):
FABLKENAXXXWhether funds come from abroad or another local account, here's how to receive — and what it costs.
Sender uses FABLKENA + your account number.
Sender uses Wise, LemFi, or Sendwave to deposit into your account.
Receive into M-Pesa, then move to Family Bank if needed.
Kenyan banks use a bank code plus branch code; PesaLink moves funds bank-to-bank without going through M-Pesa.
Money in a Kenyan bank account can move to M-Pesa via Paybill or the bank app, and from M-Pesa back to the bank, usually instantly.
Rail operator: ipsl.co.ke
When you actually need a SWIFT code: only for receiving money from another country. PesaLink handles every domestic kenya bank-to-bank, bank-to-wallet, and wallet-to-bank transfer at near-instant speed. If the sender is in the same country, SWIFT isn't involved at all — they just need your bank codes + branch codes or phone number.
For inbound international flows, PesaLink also matters: most modern remittance operators (Wise, Sendwave, LemFi, WorldRemit, TapTap Send) terminate their payouts via this rail rather than via correspondent SWIFT relationships. That's how they deliver in minutes instead of days — and why their all-in cost can be a fraction of a classic SWIFT wire.
Cash pickup is the fourth node in the receiving graph: Western Union, MoneyGram, Ria, RemitOne. These remain expensive but are the only option in some last-mile situations (no bank account, no wallet, urgent cash need). Mobile money cash-out via an agent network is increasingly the cheaper alternative — see our country mobile-money fee page for current cash-out rates.
One practical tip: if you're expecting a payment from abroad, ask the sender to choose the destination based on speed and amount. Small frequent payments below US$1,000 are almost always cheaper via a remittance app to your wallet. Mid-size payments (US$1,000–10,000) work well to your bank account via the same apps. Genuinely large payments (above US$50,000) are usually only practical via a SWIFT wire, even though they're the most expensive per dollar at that band.
| Bank code | Country | Location |
|---|---|---|
| FABL | KE | NA |
| Family Bank | KE (Kenya) | Nairobi |
An 11-character variant like FABLKENAXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'FABLKENA001') refer to specific branches.
Check any SWIFT/BIC code is correctly formatted before a transfer.
vs KES (Kenyan Shilling)
Family Bank, originally founded in 1984 as Family Finance Building Society, converted to a commercial bank in 2007 and has grown into one of Kenya's mid-sized tier-2 banks with around 90 branches across the country. The bank focuses on retail, SME, and microfinance lending with a strong upcountry presence. The correct SWIFT code is FABLKENA (not the variant FABKKENA that appears in some directories — verified June 2026 against Wise, TheSwiftCodes, bank.codes, and Remitly). The 11-character form FABLKENAXXX explicitly identifies the head office at Fourways Towers, Muindi Mbingu Street, Nairobi. Senders should always confirm the active code on the bank's own channel.
Fourways Towers, Muindi Mbingu Street, Nairobi
Map centred on Nairobi. Click "View on OpenStreetMap" below for precise location.
Family Bank — Kenya's commercial bank (founded 1984) — has the SWIFT/BIC code FABLKENA. The 8-character base BIC FABLKENA targets the Nairobi head office; the 11-character variant FABLKENAXXX names that same head office explicitly. You only need it for receiving an INTERNATIONAL wire (from another country). For transfers from another Kenya account, you just use your account number plus the domestic rail (PesaLink).
Yes. Operators like WorldRemit, Sendwave, Afriex, and Flutterwave Send let a sender abroad deposit directly into M-Pesa without going through your Family Bank account. It's usually faster and cheaper than a SWIFT wire for smaller amounts. You can then move funds to Family Bank via PesaLink if needed.
Via PesaLink, which interconnects banks and wallets in real time. From the Family Bank app: add M-Pesa as a beneficiary with your phone number, and the transfer arrives instantly. See our Kenya mobile money fees page for the exact cost.
For amounts under ~US$5,000, a remittance app (Wise, LemFi, Sendwave) depositing direct to your Family Bank account is almost always cheaper than a classic SWIFT wire — lower fees and a rate closer to mid-market. For larger amounts, compare SWIFT vs app on our Kenya inbound transfer comparison.
Yes. Family Bank is connected to PesaLink, which enables near-instant transfers to other Kenya banks and to mobile money wallets (M-Pesa, Airtel Money, T-Kash). This is the infrastructure remittance apps use behind the scenes to deliver in real time.
Source: Family 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.