Our Products & Services

Grow your wealth with competitive tiered interest rates up to 7.5% p.a. on your deposits. Start with as little as KES 1,000 and enjoy free mobile banking and Visa debit card.

Tier 3 (1M+): 7.5% p.a.

From KES 1,000

Flexible everyday banking with cheque book facility, overdraft options, and seamless M-Pesa integration for all your daily transactions. Free monthly transfers included.

Local Transfer: KES 50

From KES 0

Lock in guaranteed returns with our fixed deposit accounts. Tenures from 1 month to 5 years with rates up to 12% p.a. Loan against deposit facility available.

1-5 Years: 12.0% p.a.

From KES 50,000

Quick access to funds for emergencies, education, or personal projects. Borrow up to KES 5 million with competitive rates from 13% p.a. and 48-hour processing.

Interest Rate: 13% - 16% p.a.

From KES 50,000

Make your dream home a reality with affordable mortgage financing up to KES 50 million. Enjoy tenures up to 25 years with fixed or variable rate options.

Legal Fee: 1% of loan amount

From KES 1,000,000

Enjoy global acceptance, rewards points on every purchase, and a credit limit up to KES 500,000. Complimentary airport lounge access and travel insurance included.

Annual Fee: KES 5,000

Finance vehicles, machinery, and equipment for personal or business use. Up to 80% financing with flexible repayment.

Interest Rate: 14% - 18% p.a.

Comprehensive business transaction account with payroll management, bulk payments, and dedicated relationship manager.

RTGS: KES 200

Specially designed for customers aged 60 and above with higher fixed deposit rates, priority service at branches, and complimentary health insurance discounts.

Cheque Book: Free (25 leaves quarterly)

From KES 0

Zero-fee banking designed for students aged 18-25. Enjoy free transactions, a Visa debit card, and financial literacy resources to build your banking habits early.

Monthly Maintenance: Free

From KES 0

Working capital and expansion financing for small and medium enterprises. Flexible collateral options and rapid processing.

Insurance: Credit life required

Comprehensive business transaction account with payroll management, bulk payments, and a dedicated relationship manager. Ideal for established enterprises.

RTGS Transfer: KES 200

From KES 10,000

Put your business surplus to work with competitive interest of 3% p.a. while maintaining easy access to funds for operational needs.

Interest Rate: 3.0% p.a.

From KES 0

Flexible revolving credit facility up to KES 10 million to manage cash flow gaps. Interest charged only on the utilized amount with no fixed repayment schedule.

Renewal Fee: 1% annually

From KES 500,000

Unlock up to 80% of your outstanding invoice value within 24 hours. Improve cash flow without waiting for customer payments. Confidential facility available.

Facility Fee: 1% p.a.

From KES 100,000

Facilitate international trade with letters of credit, bank guarantees, and documentary collections in multiple currencies. Global correspondent banking network.

Amendment Fee: USD 50

Accept payments anywhere with our POS terminals, payment gateway, and QR code solutions. Competitive merchant discount rate of 2.5% with next-day settlement.

QR Payments: 1.5% per transaction

Working capital financing from KES 500,000 to KES 20 million for established SMEs. Flexible collateral options including LPOs, invoices, and property.

Insurance: Credit life required

From KES 500,000

Specially designed for micro and small enterprises with loans from KES 50,000 to KES 2 million. Simplified documentation with group lending and mentorship options.

Insurance: Group credit life included

From KES 50,000

Finance business equipment, vehicles, and machinery with up to 80% asset value financing. New and used assets eligible with tenures up to 60 months.

Insurance: Comprehensive required

From KES 200,000

Empowering women entrepreneurs with reduced interest rates, flexible collateral, and business development support. Loans from KES 100,000 to KES 10 million.

Training: Free (2 workshops per year)

From KES 100,000

Multi-currency savings account for Kenyans abroad. Hold balances in USD, GBP, EUR, and KES simultaneously with competitive interest on all currencies.

EUR Interest: 2.5% p.a.

From USD 0

Purchase or build property in Kenya from anywhere in the world. Finance up to KES 30 million with remote processing, virtual property tours, and trusted conveyancing.

Legal Fee: 1.5% of loan

From KES 1,000,000

Send money to Kenya quickly and affordably. Low transfer fees, competitive exchange rates, and instant M-Pesa delivery to recipients across the country.

FX Spread: 0.5% above mid-rate

Access Kenya's investment markets from anywhere. Invest in treasury bills, government bonds, money market funds, and unit trusts with expert guidance.

Advisory Fee: 0.5% of portfolio p.a.

From KES 100,000

Sharia-compliant cost-plus financing for asset purchases. The bank purchases the asset and resells it to you at a disclosed profit margin. Approved by our Sharia Advisory Board.

Profit Rate: 12% - 15% p.a.

From KES 100,000

Sharia-compliant leasing arrangement where the bank purchases and leases the asset to you. Ownership transfers at the end of the lease term. Asset-backed and interest-free.

Takaful: Included in rental

From KES 200,000

Joint partnership financing where the bank and customer co-invest in a venture. Profits are shared according to an agreed ratio. Ideal for property and business ventures.

Takaful: 0.75% p.a.

From KES 500,000

Sharia-compliant agency-based investment where you appoint the bank as your agent (Wakil) to invest your funds in Sharia-approved ventures. Target returns with profit distribution.

Agency Fee: 1% of investment p.a.

From KES 100,000

Invest in Sharia-compliant Islamic bonds backed by tangible assets. Earn halal fixed income with Government of Kenya and corporate Sukuk offerings.

Brokerage Fee: 0.12%

From KES 50,000

Trade 40+ currency pairs with competitive spreads and real-time pricing. Access our trading platform for spot, forward, and swap transactions.

Spot Spread: From 0.3%

Hold and manage up to 10 currencies in a single account. Ideal for importers, exporters, and frequent international travelers.

FX Conversion: 0.5% spread

From KES 50,000

Send and receive money internationally with competitive exchange rates and low fees. Coverage across 100+ countries with same-day delivery to major corridors.

FX Spread: 0.75% above mid-rate

Earn 3x reward points on travel and 2x on dining. Complimentary airport lounge access, concierge services, and travel insurance worldwide.

Annual Fee: KES 10,000

Earn 2x reward points on dining and lifestyle purchases. Enjoy dining discounts at 200+ partner restaurants and entertainment venues.

Annual Fee: KES 5,000

Earn automatic cashback on everyday spending — 5% on groceries, 3% on fuel, and 1% on everything else. No points to track, just real money back.

Annual Fee: KES 3,000

Protect your family with affordable term life cover up to KES 50 million. Flexible tenure from 5 to 30 years with optional critical illness rider.

No-Claim Bonus: 5% discount at renewal

Comprehensive health insurance for individuals and families. Inpatient, outpatient, dental, and optical cover with access to 500+ hospitals across Kenya.

Individual Plan: From KES 3,000/month

Comprehensive and third-party motor insurance for private and commercial vehicles. Includes roadside assistance, windscreen cover, and excess protector.

Third Party Only: KES 7,500/year

Worldwide travel protection covering medical emergencies, trip cancellation, lost baggage, and flight delays. Single-trip and annual multi-trip plans available.

Annual Multi-Trip: KES 25,000

Earn competitive returns of 10-12% p.a. on your idle cash through a professionally managed money market fund. Daily liquidity with no lock-in period.

Management Fee: 1.5% p.a.

From KES 10,000

Gain exposure to Kenya's top companies listed on the Nairobi Securities Exchange. Long-term capital growth with professional portfolio management.

Management Fee: 2% p.a.

From KES 50,000

Invest in a diversified portfolio of government bonds and corporate debt securities. Stable returns with capital preservation focus. Ideal for conservative investors.

Current Yield: 12.5% p.a.

From KES 25,000

A mixed portfolio of equities, bonds, and money market instruments for balanced risk and return. Ideal for investors seeking moderate growth with some income.

Management Fee: 2% p.a.

From KES 25,000

Bank on the go with our award-winning mobile app. Transfer funds, pay bills, and manage your finances from anywhere with biometric login and real-time notifications.

App Download: Free

Full-featured online banking portal for individuals and businesses. Manage accounts, make payments, view detailed reports, and handle multi-signatory approvals.

Registration: Free

Integrate banking services into your applications with our RESTful and GraphQL APIs. Payments, collections, account services, and webhooks with a free sandbox environment.

API Call Limit: 10,000/day (extendable)

Participate in Government of Kenya treasury bill auctions for 91, 182, and 364-day maturities. Competitive and non-competitive bidding with attractive risk-free returns.

91-Day T-Bill: ~10.0% p.a.

From KES 100,000

Invest in long-term Government of Kenya infrastructure and fixed coupon bonds. Tenures from 2 to 25 years with tax-free returns on infrastructure bonds.

Brokerage Fee: 0.12%

From KES 50,000

Exclusive banking for high-net-worth individuals with KES 10 million+ in assets. Dedicated private banker, bespoke investment advisory, and preferential rates across all products.

FD Rate Premium: +1% above standard

From KES 10,000,000