KENYA COMMERCIAL BANK

The KCB Group is the leading institution in Kenya’s banking and financial sector with an asset base of over KShs 170 billion. Today, KCB Group has the widest network of outlets comprising of over 145 branches across the region and over 280 Automated Teller Machines (ATM). KCB Bank Group is composed of Kenya Commercial Bank, a Commercial Bank; S&L, a mortgage lender; KCB Tanzania Limited, KCB Sudan Limited and KCB Uganda Limited.

Retail Banking

Personal Banking

Cub Account

As a parent, you want to secure your child’s future and teach them the value of money when they are still young. To help you do this, we have designed the Cub Account that teaches your child how to save for the future and have fun doing so! This account offers attractive interest rates on savings and does not have any service charges. It also includes a free banker’s cheque for every school term. Your child will also enjoy lots of exciting benefits that include:

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Annual fun events
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Invites to KCB KNRC rallies
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Discounts from Numetro Cinemas, Text book center and many more
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Open a Cub account for your child and get them started on a secure future.

Requirements

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Two high quality, colour, passport-size Photos.
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Original and copy of national ID/passport (for parent).
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Birth certificate/birth notification

Student plus Account

As a student, it is sometimes hard managing your allowances and loans from the start till the end of the semester. That’s why you need to open a KCB Student Plus Account, because it is the most easy-going economical way to keep tabs on your money through out your student life. And again it’s Cool to do so.

The student account gives you

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A Free QuickServe ATM card for unlimited banking hours through our country’s wide ATM network.
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Regular internal transfers from other accounts.
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Interest payable once a year.
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Access to KCB connect, KCB’s SMS banking service

Requirements

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Two high quality, colour, passport-size Photos.
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Original and copy of national ID/passport (for parent)
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Letter from College/ Institution of learning and/or Student card

Mapato Account

Working hard for your money is important, where to put is equally important. That’s why we have designed the Mapato Account, making it easy and convenient to manage your savings as well as have easy access to it whenever you need it. The account features are

No opening balance.

‘ Low operating balance of Ksh.500.

‘ Attractive interest rates.

‘ Salary advance facilities of up to Ksh 100,000.

‘ Free quick serve ATM card.

‘ Cash deposit facilities available at every branch.

Requirements

‘ Two high quality, colour, passport-size Photos.

‘ Original and copy of national ID/passport (for parent).

‘ Adequate references.

Simba Savings Account

You have worked hard for your money and want to make sure it grows in a safe and stable environment. With no minimum balance required to open a Simba account, you can start saving for your holiday, car or a deposit for your dream home with what you have now. To realize this dream, KCB offers you

‘ No maintenance charges

‘ No minimum opening and operating balance

‘ Four withdrawals per annum

‘ No restrictions on deposits into account

‘ Personalized service

‘ Attractive interest paid annually

‘ Access to KCB connect, KCB’s exciting SMS banking service

Requirements

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Two high quality, colour, passport-size Photos
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Original and copy of national ID/passport
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Adequate references

Golden Account

As a successful person, you would like your money to work for you in many ways. The Golden Account has been designed to give you exclusive benefits to make your money grow and savings with KCB worth while. With attractive interest rates and benefits, the Golden account truly recognizes your status and success. The account features

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A personal accident cover of up to Ksh.500,000
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Personalized service
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Waiver on initial subscription and joining fee for KCB Classic Visa Card
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A waiver on monthly maintenance fees on a current account under the same name
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An automatic loan of 80% of your deposit
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Free over counter withdrawals and deposits

Requirements

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Two high quality, colour, passport-size Photos.
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Original and copy of national ID/passport.
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Opening balance of Ksh.100,000

Goldplus account

As a successful person, you would like your money to work for you in many ways. That is why the Goldplus Account has been designed to give you exclusive benefits to make your money grow and savings with KCB worth while. With attractive interest rates and benefits, the Goldplus account truly recognizes your status and success. The account features

‘ Waiver on initial subscription and joining fee for KCB International Visa Gold Card.

‘ A waiver on monthly maintenance fees on a current account under the same name.

‘ An automatic loan of 80% of your deposit

‘ A personal accident cover of up to Ksh.1.2 million

‘ Free withdrawals

‘ A Free cheque book

‘ Personalized service

Requirements

‘ Two high quality, colour, passport-size Photos.

‘ Original and copy of national ID/passport.

‘ Opening balance of Ksh.500,000

Current Account

Our current account offers fast and convenient access to your cash at any time. You will enjoy the convenience of making payments using your cheque book and easily manage what goes in and out of your account through regular statements. The account offers you

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Free Quick serve ATM card.
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Cheque book.
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Personalized service.
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No minimum operating balance.
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Regular transfer from other current or savings accounts.
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Statement of accounts at regular intervals or on request to cheque book.
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Cash deposit at any branch.
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Access to KCB connect, KCB’s exciting SMS Banking Service.

Requirement

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Two high quality, colour, passport-size Photos.
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Original and copy of national ID/passport.
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Adequate reference

Amana Account

Amana is a new Sharia-compliant account designed for our Muslim customers under the advice and supervision of the Sharia advisory board. The KCB Amana account will operate as a checking account both for personal and business customers trading in personal names. You get

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An interest-free account
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Sharia compliant under the advice and supervision of the Sharia advisory board
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50 leaves cheque book
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Quick serve ATM card
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Access to KCB Visa prepaid cards
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Access to KCB connect, KCB’s exciting SMS Banking Service
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Low monthly service charge

Requirements
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Original and copy of National ID or passport.
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Letter from employer (if employed)/School or college or who should be an existing KCB customer.
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Two passport size photographs.
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Original and copy of National ID/ Passport or college ID

Grace Loan

KCB Grace Loan is tailor made for individual women entrepreneurs and women entrepreneurs in groups. You can get a business loan if you’re managing profitable small-scale income generating activities with assets not exceeding Ksh 20M.
You can use the loan to purchase machines, tools and equipment to expand your business or just for working capital.

The loan sizes are as below:

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Up to Ksh 0.5M for individual women entrepreneurs
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Up to Ksh 5M for women entrepreneurs in groups

The loan’s benefits are:

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A Six month grace period before you start repaying the loan
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Long and flexible repayment period of up to 36 months.
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Competitive fixed low interest rate
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Flexible Security Requirement
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Quick processing period
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Personalized advice
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Opportunity to join the KCB Biashara Club

Application requirements:

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A completed loan application form
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Bank statements for 6 months.

Personal Loan

The KCB Personal Loan gives you quick and convenient access to cash that you will need for school fees, a car, medical bills, home improvement and renovations, purchase of furniture, appliances, farm inputs or perhaps you just need it for that holiday you’ve always wanted.

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Both Secured and Unsecured loans
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Competitive interest rates on reducing balance
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Quick loan processing
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Flexible loan repayments

Requirements

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Have maintained an account with KCB for at least six months
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Provide security for secured loans to cover a specified amount to be taken.

Easy Pay Loan

BORROW UP TO 3 MILLION AND REPAY IN 72 MONTHS
The Easy Pay loan is an exciting loan facility that now offers unsecured loans of up to Ksh 3 million. This facility is available to employees and is easy to apply for. This unsecured loan facility has the following features:

‘ Loans of up to Ksh 3M

‘ Competitive intrest rates

‘ Repayment period of up to 72 months

‘ Refinancing of existing loans with other institutions

‘ To-up of existing loans already taken with KCB

Requirements

‘ Be an employee of the selected organizations

‘ Original and copy of National ID or passport

‘ Employment card (where applicable)

‘ Latest 3 Months pay slips (original)

‘ A verified and signed check-off form authorizing the employer to deduct the loan amount and remit to KCB

Salary Advance

Some expenses are unforeseen and may end up putting a strain on you or make you loose out on an opportunity. At KCB we understand your need for urgent money as and when a problem occurs. That is why we have the Salary Advance facility that offers you fast cash when you need it most. With attractive interest rates you can borrow up to 50% of your salary and pay back when your next salary is paid. You will not be required to provide any security, or pay an application fee, just have your account well managed with KCB for at least 6 months. It’s that easy.