NCBA Bank Kenya PLC is a commercial bank that serves individuals, businesses and institutions through branches and digital banking services. Formed after the merger of NIC and Commercial Bank of Africa in October 2019, the bank offers current and savings accounts, personal loans, asset finance, business banking, investment services and payment solutions.
NCBA personal and business accounts
Customers can enquire about eligible personal current accounts, savings products, term deposits and business banking accounts. An account’s minimum deposit, fees, interest, card availability and transaction limits depend on its current published terms. Business and organisation accounts may require registration documents and approved signatories.
- Personal current accounts for everyday transactions and payments.
- Savings and deposit products for planned goals or longer-term saving.
- Business banking accounts for receiving payments and managing cash flow.
- Corporate and institutional services for authorised organisations.
- Supported international banking or foreign-currency accounts, subject to eligibility.
NCBA NOW app and mobile banking
The NCBA NOW app allows eligible users to check balances, make transfers, pay bills, manage supported cards and access available financial products. The bank also provides the *488# USSD service for eligible registered customers. Mobile features and fees differ according to the customer’s account and approval status.
NCBA internet banking
NCBA provides an authenticated internet banking platform and a Self Service Portal for registration and token management. Eligible customers use their bank-issued login details and approved soft or hardware authentication tokens. Corporate account access may include initiator and authoriser workflows.
For full steps, see the NCBA internet banking registration and login guide.
Personal loans and salary advances
NCBA offers personal secured and unsecured loans, employer check-off facilities, salary advances, education borrowing and selected digital personal loans. Its advertised terms depend on the product. For example, the bank’s Kenya personal loan page lists eligible salary check-off and non-check-off options, while the NCBA NOW app offers digital loans to qualifying customers. Borrowers must pass credit and affordability checks.
Vehicle and asset finance
NCBA provides car finance, refinancing and selected asset financing for vehicles, equipment and business needs. Its asset-finance service includes a digital application route and the CarDuka platform, which helps customers explore vehicles and financing options. Available financing, the required deposit, vehicle age limit and repayment term depend on the specific loan and asset.
How to find NCBA branches
NCBA maintains an official branch and ATM locator covering banking halls, ATMs, cash deposit machines and selected premium banking locations in Nairobi and other Kenyan towns. Consult the chosen branch entry for directions and opening hours before travelling.
How to open an account or request a loan
- Visit NCBA’s official website and select the account or financing product you want.
- Check eligibility, fees, documents and applicable repayment terms.
- Use the bank’s authorised digital application route or visit a verified branch.
- Provide required identification, KRA and other supporting documentation.
- For a loan, request the interest rate basis, insurance, total charges and repayment schedule.
- Read and accept the relevant account agreement or loan offer only after verifying its terms.
NCBA head office and contacts
Mara Road, Upper Hill, Nairobi, P.O. Box 44599-00100. NCBA customer care: +254 20 288 4444, +254 711 056 444, +254 732 156 444, toll-free 0800 720 444 and email contact@ncbagroup.com. Never disclose a PIN, password or one-time authentication code to someone contacting you.
Official banking information and resources
- NCBA Kenya official website
- NCBA NOW and banking channels
- Personal lending options
- Car and asset financing
- Branch, ATM and CDM locations
