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For personal accounts the minimum is KES 1,000 share capital and KES 500 opening deposit. MSME accounts start at KES 5,000. Premium and Corporate tiers have higher minimums — see Products.

Visa and Mastercard debit cards (free for active members), Visa Premium credit cards, virtual cards for online shopping, and prepaid gift cards. All cards support tap-to-pay and 3-D Secure for online safety.

Three ways, instantly: (1) call our 24/7 hotline, (2) self-service in Internet Banking → Cards → Block, or (3) USSD *123*9#. A replacement is dispatched within 48 hours.

We are licensed by SASRA and supervised under the MFI Societies Act. All deposits are insured up to KES 500,000 by KDIC. Our systems are ISO 27001-certified and PCI-DSS Level 1 compliant for card data.

Call our 24/7 fraud line immediately. Then change your Internet Banking password and PIN, and request a card block. We will investigate, freeze affected transactions and refund eligible amounts per our fraud-protection policy.

Visit any branch with your ID, or dial *123*0# on your registered phone. You will receive a one-time PIN by SMS — use it to log in at Internet Banking and set your own password.

Check balance, mini statement, M-Pesa to / from account, loan repayment, send to other members, airtime top-up, and apply for an emergency loan. Works on every phone, no smartphone needed.

Payroll-deducted loans: 24 hours. Asset-backed loans: 3-5 business days. Emergency loans for active members: same day. Use the Eligibility Calculator to check your limit instantly.

Up to 3 times your share capital plus deposits, capped at one-third of your net monthly income for repayments. Specific limits depend on the loan product — see the comparison on the Loans page.

Rates range from 9% to 18% p.a. on reducing balance, depending on product and tenor. Members earn dividends on share capital, which effectively reduces net cost. See all loan products.

Yes — we have Diaspora membership for Kenyans abroad and Corporate tier for businesses operating in Uganda, Tanzania, Rwanda, Burundi and South Sudan.

Savings accounts earn 6-9% p.a.; Fixed Deposits earn 8-12% p.a. based on tenor. Members also share in the annual dividend pool — typically 12-15% on share capital over the past five years.

Yes. Member deposits are insured up to KES 500,000 by the Kenya Deposit Insurance Corporation (KDIC). Additionally we hold capital ratios above the SASRA-required minimum.