Our Products & Services

Your bank in your pocket. Send, receive, save, and borrow — all via M-Pesa and USSD.

Quick emergency loans disbursed to your M-Pesa within 1 hour. No collateral needed for amounts up to KES 50,000.

Save together, grow together. Structured group savings with matching contributions and competitive interest.

Start saving with as little as KES 100. Earn interest and build your financial future one step at a time.

Financing for smallholder farmers — seeds, fertilizer, equipment, and post-harvest storage.

Working capital for small businesses and entrepreneurs. Grow your jua kali, shop, or market stall.

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

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

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

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)