NCBA Bank Kenya mobile banking provides banking services through the NCBA NOW app and the USSD code *488#. NCBA was formed in October 2019 through the merger of NIC and Commercial Bank of Africa. Eligible customers can manage their accounts and transact on a phone using the bank’s current digital platforms.
What services are available on NCBA NOW?
- View available bank accounts, balances and transaction history.
- Transfer money between NCBA accounts, other supported banks and M-PESA or Airtel Money wallets.
- Pay eligible bills, merchants, school fees and utilities.
- Purchase airtime and request digital account statements.
- Manage supported debit or credit card services and security settings.
- Apply for a new eligible bank account through digital onboarding.
- Check availability and repayment details for eligible digital loan products.
- Access certain investments or savings services where offered.
The precise features depend on customer eligibility, account type and the app version. The bank recommends keeping the application updated.
How to download and activate NCBA NOW
- Visit NCBA’s official website or its verified Google Play or Apple App Store listing.
- Download the latest NCBA NOW app.
- Open the application and choose Sign Up, Activate or the appropriate account-access route.
- Complete identity, account, mobile-number and device verification as instructed.
- Set up a private PIN, password and supported device authentication.
- Log in to view your eligible accounts or continue with digital account opening if available.
NCBA’s official mobile app guidance explains that existing customers can activate digital banking without having to visit a branch in many cases. New customers can use the bank’s digital account-opening process subject to identification and eligibility requirements.
How to use *488# USSD mobile banking
- Dial *488# from a phone number associated with your eligible NCBA banking profile.
- Complete any one-time registration or activation requested by the bank.
- Enter your private mobile banking PIN.
- If prompted, complete the security-question verification.
- Choose the available service, including a balance enquiry, transfer, payment or approved loan feature.
- Check the destination, fees and amount before authorising a payment.
NCBA’s USSD security guidance instructs customers to set up security questions in addition to their PIN. Incorrect answers may cause access to be blocked, in which case the bank’s official contact centre can assist. Never disclose the answers, PIN or one-time passwords.
NCBA mobile and digital personal loans
NCBA offers qualifying customers access to digital loans through NCBA NOW or *488#. Its digital personal loan page describes unsecured borrowing from KSh 1,000 to KSh 1 million, with terms typically ranging from 3 to 12 months, subject to eligibility. Customers generally require a qualifying current account, sustained activity and a satisfactory credit assessment. Available limits, loan fees and the actual repayment obligation are shown as part of the bank’s offer.
Charges, transfers and fraud prevention
Transfers, mobile-money services and digital loans may attract service charges or other costs. Review all transaction details before approval. Use only the official NCBA app, do not share PINs or activation codes, and call the bank if you see an unauthorised transfer. Ignore anyone claiming they can increase a digital loan limit after receiving an upfront payment.
NCBA customer contacts
NCBA’s customer contact centre lists +254 20 288 4444, +254 711 056 444 and +254 732 156 444. WhatsApp: +254 717 804 444; email: contact@ncbagroup.com.
Official websites and useful resources
- NCBA NOW and digital banking
- Mobile and internet banking registration
- NCBA digital personal loans
- Official NCBA FAQs and security information
