Personal Banking

CBA has put together a thorough personal banking product suite specifically designed to make your day-to-day banking a pleasure. We provide solutions to your everyday money management needs as well as expert financial advice.

We offer some of the best rates on loans, debit card and credit card facilities and are constantly researching our markets find out how we can improve our product offerings.

Everything we do is focused around giving you time for more of the things that matter most to you. It’s this time for more ethos that drives us to continually improve our services by adapting them to your changing needs.

  • Transaction Solutions
  • Current AccountRead More

    Current Account

    Our Current Accounts make personal banking quick, simple and easy. These accounts have been designed to take care of all your most important transactional needs such as paying bills, school fees and shopping. The Current Accounts adapt to suit your financial situation and offer both bundled and pay as you transact tariffs.

    Bundled Tariff

    Benefits:

    • Same day clearing for CBA drawn cheques from any part of the country
    • Access to your personal account at

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  • Be More AccountRead More

    Be More Account

    6 reasons why you should have a Be More Account

    • Conveniently open online here and bank anywhere you are, anytime via CBA’s Internet and mobile banking.
    • Get a uniquely branded Visa Classic Debit Card that compliments your lifestyle to purchase globally, anywhere there is a Visa sign and withdraw cash.
    • Develop your financial, personal and professional success through CBA’s programs such as Be More Challenge, mentorship program and internships plus access

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  • Mobile BankingRead More

    Mobile Banking

    Our mobile banking service allows you to access your cash wherever you are at any time. It works seamlessly with M-Pesa and gives you the power to control your finances with nothing more than your mobile phone.

    With the rise of mobile banking in Kenya, Uganda and Tanzania, CBA were in fact first to market with a number of mobile products. This has given us the experience necessary to provide a refined mobile banking solution that meets your various needs.

    Services accessed on

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  • Internet BankingRead More

    Internet Banking

    Internet Banking

    With CBA Internet Banking you can transform your home or office computer into a complete personal financial management centre. To deliver on this, we have developed a secure, fully transactional, Internet-based banking platform.

    This gives you the freedom to access your accounts and transact at your convenience. All you need is a stable Internet connection.

    What services can you access on CBA Internet Banking?

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  • Freedom AccountRead More

    Freedom Account

    The Freedom Account is a perfect fit for those who need quick and easy access to their funds at all times. It provides extensive banking solutions that are free of the common restrictions of regular transactional services.

    Benefits:

    • A dedicated Account Relationship Manager
    • The account is available in Kenya Shillings only
    • Access via mobile and internet banking
    • Access to your funds from over 600,000 Visa branded ATMs and 19 million Visa

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  • Lending Solutions
  • CBA Property FinancingRead More

    CBA Property Financing

    If you have decided that it’s time to own a home, then CBA’S Home Loan will put the key into your hands-sooner than you think, with minimum fuss. You can Buy a home, Refinance your existing Mortgage, Construct, Purchase a plot or Move your existing mortgage balance to CBA, all at competitive interest rates and on reducing balance!

    With the support of highly skilled relationship managers and flexible repayment tenor you can realize your dream of owning your own home.

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  • Home LoanRead More

    Home Loan

    Features

    • Loan tenure – up to 25 years in local currency.
    • Loan tenure – up to 10 years in FCY
    • Facility fees- KShs.1%
    • Facility fees – FCY 1.5%
    • Debt to Income Ratio : Not exceed 60% of Net Salary
    • Minimum loan amount: KShs 500,000 or equivalent.
    • Maximum amount: Nil
    • Free cover limit: loan amount of KShs 20 million and below
    • Interest rates: Pegged to CBR for local currency

    Benefits

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  • Equity Release and or Take overRead More

    Equity Release and or Take over

    Take out a top-up loan against your mortgage for quick financing when unforeseen emergencies strike.

    This is to all customers who currently have a title deed that is charged to a bank and the property value is currently higher than the outstanding loan balance.

    One may also be having an alternative title which is free of any charge and he would like to use it as collateral.

    Features

    • Loan tenure – up to 25 years in local currency.
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  • Construction LoanRead More

    Construction Loan

    Financing for individuals looking to construct income-generating housing.

    Features

    • Loan tenure – up to 25 years in local currency.
    • Loan tenure – up to 10 years in FCY.
    • Construction period – up to 9 months
    • Facility fees- 1%
    • Facility fees – FCY 1.5%
    • Debt to Income Ratio : Not exceed 60% of Net Salary
    • Minimum loan amount : KShs 5 million
    • Maximum amount: Nil
    • Free cover

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  • 105OYOHRead More

    105OYOH

    This is to cater for the sales price plus the closing cost i.e. Stamp duty and legal fees to facilitate home ownership.

    Features

    • Loan tenure – up to 25 years.
    • Facility fees- 1%
    • Debt to Income Ratio : Not exceed 60% of Net Salary
    • Minimum loan amount : KShs 1 million
    • Maximum amount: Nil
    • Free cover limit: loan amount of KShs 20 million and below
    • Interest rates: Pegged to CBR for local currency

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  • Scheme Mortgage OffersRead More

    Scheme Mortgage Offers

    We offer discounted loans for organizations whose employees or members wish to purchase or construct a home.

    Features

    • Loan tenure – up to 25 years.
    • Facility fees- 1%
    • Debt to Income Ratio : Not exceed 60% of Net Salary
    • Minimum loan amount : KShs 1 million
    • Maximum amount: Nil
    • Free cover limit: loan amount of KShs 20 million and below
    • Interest rates: Pegged to CBR for local currency

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  • Diaspora Mortgage OfferRead More

    Diaspora Mortgage Offer

    This is aimed at helping Kenyans living abroad to get the best mortgage solution back at home for residential or commercial purposes. The offer is in either of the following currencies; Kenya shillings, Sterling pound, US dollar or Euros.

    Features

    • Loan tenure – up to 25 years in Local currency.
    • Loan tenure – up to 10 years in FCY
    • Facility fees- 1%
    • Facility fees – FCY 1.5%
    • Debt to Income Ratio : Not exceed 60%

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  • Plot Purchase LoanRead More

    Plot Purchase Loan

    A plot purchase is the first step to building your dream home.

    Features

    • Loan tenure – up to 5 years.
    • Facility fees- 1%
    • Debt to Income Ratio : Not exceed 50% of Net Income
    • Minimum loan amount : KShs 500,000
    • maximum amount: Based on ability to pay
    • Interest rates: Pegged to CBR for local currency

    Benefits

    • Flexible repayment terms
    • When assessing

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  • Asset FinanceRead More

    Asset Finance

    Our asset finance loan facility is designed to enable you to acquire moveable assets with ease. With this product, you can acquire an asset and use it as security for the facility. This product targets corporate customers, institutional customers, SME customers and individuals.

    Our documentation is simple, straightforward and there are no hidden costs. The level of finance we grant allows you or your business to continue operation unhindered. In most cases this product will allow you

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  • Home line of creditRead More

    Home line of credit

    If you’re looking for a flexible and instant line of credit that allows you to overdraw your account without a penalty, our Personal Overdraft service is perfect for you. This option is a lifesaver at times when your income just isn’t enough to pay the bills. The overdraft is linked to your CBA current account and will give you access to cash when you need it most.

    Benefits:

    • We only charge interest on the amount drawn
    • Loan protection insurance to cover

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  • Insurance Premium FinancingRead More

    Insurance Premium Financing

    If you’re feeling overburdened by a hefty insurance bill with premiums you can barely afford, we may have an ideal solution for you. With easy instalments and quick processing, our Premium Financing can take the load off. We simply give you a loan against your insurance premium bills and pay the proceeds directly to your insurer. This way if you ever lose your business or your job, you don’t risk losing everything else at the same time.

    Features and Benefits:

  • Loan CalculatorRead More

    Loan Calculator

    Find out how much your loan will cost monthly with CBA’s loan calculator. Our easy-to-use loan calculator helps you work out your monthly repayments for easy financial planning. Simply enter the relevant numbers below to get an approximate repayment amount for any loan.

    Loan Amount

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  • Bancassurance
  • Car Insurance CoverRead More

    Car Insurance Cover

    CBA’s comprehensive car insurance covers you against a variety of risks. Whether the fault was yours or another driver’s, in the case of an accident it doesn’t affect this cover. You’re covered for damage, fire, theft and even for the cost of renting another vehicle when your car is in for repairs. Our car insurance boasts extensive cover at very competitive rates. 

    Features and Benefits:

    • Own damage cover
    • Fire risk cover
    • Theft cover
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  • Home Contents InsuranceRead More

    Home Contents Insurance

    Domestic Package (Home Owner’s Insurance)

    CBA’s home insurance cover is designed to give you complete protection for your house and buildings as well as all the contents therein. Aside from that, it also covers repairs and improvements on the property and even provides cover for your domestic employees.

    This extensive service protects you against physical loss and/or damage arising from any of the following insured events:

  • Travel InsuranceRead More

    Travel Insurance

    From a sudden illness to a lost suitcase or a delayed flight, CBA’s traveller’s insurance cover will allow you to enjoy your holiday or business trip with peace of mind, knowing that you’re covered whatever happens.

    Traveling to another country can often be stressful with foreign languages and different cultures, even when everything is working out as planned there’s an element of uncertainty. With this travel insurance if you’re ever stuck in a country for any reason, CBA

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  • Education InsuranceRead More

    Education Insurance

    This is a combination of insurance protection and savings that allows you to prepare for the growing costs of education. The cover provides payouts to coincide with the payment of the educational expenses of your insured (child). This plan guarantees your children a great education, which translates later in life to more opportunity and more potential for success.

    Features and Benefits:

    • Guaranteed cash bonuses
    • Death benefit (accident or illness)
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  • Life InsuranceRead More

    Life Insurance

    Our life insurance cover provides financial protection to your loved ones in the event of your death, accidental disablement, and critical illness. With a number of variables to this life insurance option, you’re able to choose the cover specifics that best suit your needs.

    Features and Benefits:

    • Death benefit
    • Permanent total disablement benefit
    • Funeral cover
    • Various disability benefits
    • Income protection benefit

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  • Credit Protection InsuranceRead More

    Credit Protection Insurance

    Our credit protection plans are designed to ensure that in the event of death, permanently disablement or are diagnosed with a terminal illness the outstanding loan balance is paid off thus giving you financial security. Benefits include:

    • Death benefit
    • Permanent total disablement benefit
    • Critical illness cover

    Requirements:

    • Executed Letter of offer

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    To find out

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  • Personal Accident InsuranceRead More

    Personal Accident Insurance

    With the skyrocketing price of medical procedures these days, CBA’s Personal Accident Insurance is vital for those who don’t want to risk the serious financial setback if they ever have an accident. The cost of staying in hospital overnight alone is exorbitant. Our accident cover makes sure you always have the funds to cover medical procedures resulting from accidents of any kind. It provides cover against accidental death and injury.

    Features and Benefits:

  • Additional Insurance ProductsRead More

    Additional Insurance Products

    1. FIRE & PERILS

    This policy covers loss or damage to property occasioned by:

    • Fire
    • Lightning
    • Explosions
    • Earthquakes
    • Bushfires
    • Riots and strikes
    • Water damage  (floods)
    • Malicious damage

     

    1. BONDS

    This is a product where the insurance company undertakes to act as the guarantor to the insured to

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  • Investment Solutions
  • Term DepositsRead More

    Term Deposits

    The Call Deposit Account is ideal for the saver who wants to earn high interest over a short term and still have funds to use within a short period as needed. With the Call Deposit you may invest for a minimum period of 7 days onwards.

    The Time Deposit Account offers a high-yield return and allows you to determine how long you want to invest. You may

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  • Nufaika Savings AccountRead More

    Nufaika Savings Account

    Saving for a long term project or even for a rainy day is always a challenge. With our Nufaika Savings Account, you give your savings a real chance to grow. With attractive interest rates, your savings will grow faster as you enjoy other benefits that you can access through this account.

    Benefits:

    • Access to personal overdraft and loans of up to 75% of savings account balance
    • Access to investment opportunities for long-term

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  • Unit TrustsRead More

    Unit Trusts

    Click here to view the Annual Report and Financial Statements for the year ended 31 December 2013

    We offer solutions for our customers who are seeking investment options beyond the normal placement of deposits at a bank. If you are considering investing in this way our Money Market Fund and or Equity Fund

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  • Other Services
  • Safe Deposit LockerRead More

    Safe Deposit Locker

    CBA’s Safe Deposit Locker is one of the most secure places to store your valuables. Our storage facilities provide a simple, reliable and convenient way to safely store your valuable documents and articles. We ensure maximum privacy when you are accessing your valuables so that nobody other than you ever comes into contact with them.

    Our Safe Deposit Lockers can be operated by up to two people including an authorised agent, and are available in sizes small, medium and large, with

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