NCBA Bank Kenya offers secure mobile banking through the NCBA NOW app and the USSD service *488#. Customers can check account balances, send money, pay bills, obtain account information and use eligible loan services without having to visit a banking hall.
NCBA was established after Commercial Bank of Africa (CBA) and NIC merged in 2019. It now serves eligible customers through one digital banking platform and its branch network.
What can you do with NCBA NOW?
- View eligible account balances and recent transactions.
- Transfer funds between NCBA accounts and other supported banks.
- Send money to supported mobile-money wallets.
- Pay bills and utilities, and buy airtime.
- Download or request account statements.
- Manage eligible bank cards and supported account services.
- View loan limits, apply for eligible digital loans and make repayments.
How to get the NCBA NOW mobile app
- Visit the official NCBA website and navigate to mobile banking.
- Download NCBA NOW from the verified Google Play Store or Apple App Store publisher.
- Open the app and follow the registration or activation prompts.
- Existing customers can activate digital banking and may not need to visit a branch.
- Complete any identity, device and account verification requested by the bank.
- Set a strong banking PIN or other available authentication method, then log in.
NCBA’s app guidance states that Android and iOS devices are supported and that the bank uses device binding and security checks. Keep the app updated and use only verified banking sources for activation.
How to use NCBA *488# USSD
*488# provides a menu-based route for customers whose phone number is registered for NCBA mobile banking. It can be used on suitable phones without the full smartphone app.
- Dial *488# from the mobile number registered with the bank.
- Follow the bank’s menu and enter the approved secure PIN when requested.
- Select account services, money transfers, bill payments or other available features.
- Confirm the recipient, amount and any service charges shown.
- Keep the transaction confirmation for reference.
Some customers may need to complete digital-banking activation first. Check the official bank registration form or speak to customer support if your phone number has changed.
Mobile loans and account eligibility
The NCBA NOW Loans section allows qualifying users to see any available mobile or digital personal loan limit, apply for financing and make repayments. Loan eligibility is assessed by the bank and may depend on maintaining an active account and satisfactory transaction history. Availability, fees, interest and repayment periods differ by product; review the current loan terms shown before accepting any offer.
Banking fees and digital security
USSD access, mobile-money transfers, bank transfers and other services can attract charges. Always review the current bank tariff and on-screen confirmation. Never disclose your PIN, password or activation key. Be cautious about fake mobile apps, phishing links, and anyone claiming to be an NCBA employee who asks you to move money.
NCBA customer support and contacts
NCBA lists its customer contact centre on +254 20 288 4444, +254 711 056 444 and +254 732 156 444. WhatsApp support is listed as +254 717 804 444 and email as contact@ncbagroup.com. Its offices are on Mara Road, Upper Hill, Nairobi.
Official NCBA resources
- NCBA mobile and USSD banking
- Digital banking registration
- NCBA banking and digital-loan FAQs
- Official NCBA website
