Advantage Banking is For You
As a KCB Advantage customer, you enjoy exclusive financial services tailored to your lifestyle.
Why Choose Advantage Banking
Exclusive Benefits
Personalized Service
Experience top-tier service excellence, guided by a dedicated Relationship Manager who will walk alongside you throughout every phase of your financial journey.
Priority Services
Benefit from Relationship Manager, Branch Manager support and priority queueing with EQMS at over 200 branches.
VIP Support
Enjoy VIP treatment with a dedicated telephone line and email for all your banking inquiries.
Secure Storage
Keep your valuables secure with our safe deposit services.
Exclusive Events
Connect with Peers in exclusive events, offering networking opportunities.
Treasury Solutions
Leverage tailored Forex solutions, including negotiated pricing and FX swaps.
Gold Visa Card
Be life ready with the KCB Gold Credit Card, with eligibility for both KCB and non-KCB customers. Perfect for individuals looking for higher credit card limits of Kes 200,000 and above; Go for gold!
View Gold Visa Card DetailsInterest Free Period
Enjoy up to 45 days interest free period on your card *Terms and conditions apply.
Exclusive Discounts
Enjoy discounts at 50+ KCB merchants, when you pay with your classic card. Get Deals
Secure Transactions
Our 3D security features ensure that all your transactions are safe and secure.
Flexible Repayment Options
Flexible repayment options of between 10% to 100% of the outstanding balance.
Simba Points
You earn Simba Points every time you make payment with your card which you can redeem for cash, airtime and many more.
Convenience
Absolutely free. No charge at any merchant globally.
Mobile Banking
We pride in a robust and innovative mobile banking platform which has revolutionized banking for our customers. Pay your utilities, get loans, buy airtime, send and receive money, and access other banking services conveniently, all at the palm of your hand.
View Mobile Banking DetailsConvenience
Carry out multiple transactions off the palm of your hand, from airtime purchase to bill payments and money transfers.
Access Loans
Access quick and short-term loans without security.
Real-time Notifications
You receive real-time notifications when money comes in or out of your account.
Secure Transactions
Verify transactions such as bill payment or account details prior to authorizing the payments.
24/7 Banking
Access banking services round the clock through mobile banking.
Simba Points
Earn Simba Points when you transact. Redeem for cash, airtime & much more.
Internet Banking
Our Internet Banking is safe and secure, offering convenience while giving you control over your finances anytime and anywhere. Pay your utilities, transfer money to other accounts and access your statements at the comfort of your internet enabled device.
View Internet Banking DetailsSeamless 24/7 Account Access
Manage your finances effortlessly from anywhere in the world, with round-the-clock access to your accounts and statements for ultimate convenience.
Enhanced Security
Benefit from cutting-edge security protocols, ensuring your transactions and personal information are protected at all times.
Transact Easily
Enjoy swift and secure transfers and pay for utilities easily.
Home Loans
Our mortgage loan enables you to buy or build your dream house, develop property for letting as well as buying land and plots while enjoying the best mortgage rates in Kenya. We can also help you purchase and develop commercial properties.
For existing mortgage customers, you can apply for a top up of your loan with our Mortgage Plus product. Our Home Loans are available at all KCB Branches countrywide.
View Home Loans DetailsFlexible Payment Periods
Borrow any amount from Kes 500,000 for home purchase or construction and repay in up to 25 years.
Open To All
Home Loans are available to salaried persons, self-employed, contract persons as well as Kenyans working abroad.
Easily Accessible
Express interest in a KCB home loan at over 200 KCB Bank branches countrywide.
Financing
Access up to: 90% for owner occupier, 80% for income generating properties, 70% for plot purchase.
Home Loan Top-Up
If you need emergency cash, you can get a top-up of your existing mortgage and repay within the remaining term of existing loan..
KCB Equity Release
Targets those who have existing, viable, developed & unencumbered security of which the bank can charge and lend against. Key factors are current OMV of the security & repayment ability. Max LTV is 80% & 90% of OMV if security is commercial and residential respectively. Loan tenure is dependent on purpose.
View Equity Release Mortgage DetailsFlexibility
Flexibility in assessing repayment Ability-Joint income considered, rental income, employment income, business income etc.
Quick Release of Funds
Release of Construction funds in a max 4 installments.
Service Interest During Construction
Applicants to service interest during construction and another 2 months thereafter.
Long Term Repayment Period
Enjoy a long term repayment period.
Personal Unsecured Non-check Off Loan
Get an easy loan of up to Kes 4 Million with no security, and a repayment period of up to 48 months (4 years). Available to salaried individuals with an active KCB account for a minimum of 3 months, and you’re all set for a quick loan.
View Personal Unsecured Non-check Off Loan DetailsFlexible Repayment Periods
Get repayment periods that match your needs, up to 48 months (4 years).
Security Free
No security deposit requirement to access this load.
Attractive Loan Limits
Access Personal Unsecured Loans of amounts between Kes 20,000 and Kes 4 Million.
Loan Open To All
Personal Unsecured Loan available to salaried and self-employed individuals.
Personal Secured Loan
With our Personal Secured Loan, you can borrow up to any amount you need, with the flexibility of a repayment period extending up to 120 months (10 years).
View Personal Secured Loan DetailsLoan Open to All
Secured personal loans are available to both salaried and self-employed individuals.
Higher Loan limits
Loans limits based on the maximum value of your security.
Flexible Repayment Periods
Get repayment periods that match your needs, up to 120 months (10 years).
Asset Based Finance
We are your partner in ensuring your productivity. If your business is one that requires movable assets to operate, then this is the perfect product for you. We’ll help you purchase motor vehicles such as trucks, heavy commercial vehicles and school buses, as well as plant machinery, agricultural, medical and construction equipment, among others.
View Asset Based Finance DetailsPurchase New Or Used Assets
Get financing for items within your budget at flexible terms upto 95% financing on new assets.
Flexible Terms
The financing terms are flexible, with payment periods of up to 72 months.
Bundled Products
Access Insurance Premium Financing and tracking costs.
Friendly Rates
Enjoy competitive rates for both local and international currencies.
Insurance Benefits
Get insurance for your assets, packaged as part of the plan.
Goal Savings Account
Start saving for your next big goal today and watch your money grow with attractive, competitive rates designed to help you reach your dreams faster!
Speak to a Relationship ManagerAccess loans
Get up to 100% of your savings in loans.
Free standing orders
Transfer money into the account monthly at zero charges.
Flexible savings period
Lock savings for the desired period of time between 6 months and 5 years.
Unlimited Goals
Open multiple Goal Savings accounts as desired, for multiple goals.
Cub Account
Let’s help you nurture the value of growing wealth in our little ones.
Speak to a Relationship ManagerFree Banker's Cheque
Free fees Banker’s Cheque every term.
Free Cubby Kits
Take home a free cubby kit for your child to save at home.
Free Cash Deposit
Free deposits at any Branch/or Express bank ATM.
Free Standing Orders
Transfer money into the account monthly at zero charges.
Competitive interest rates
Earn up to 8.5% interest on your savings per year.
Wealth Management
Affordable financing to help you invest, purchase assets or scale up as you pursue your dreams.
Speak to a Relationship ManagerComprehensive Cover
Delight in peace of mind with accounts featuring up to 10 premium insurance products, offering protection for your gadgets, personal accidents, hospital stays, and much more.
Holistic Insurance Solutions:
Secure your prosperity and well-being with a diverse range of insurance offerings, encompassing life, education, and medical coverage, alongside vehicle and general policies that shield every aspect of your life
Investment & Advisory Services
Enjoy tailored investment strategies designed to grow, safeguard, and preserve your wealth, ensuring a legacy that endures.
KCB Deals
Enjoy access to exclusive offers and discounts on travel, home and lifestyle brands, shopping and more thanks to specially selected partnerships with local and international vendors.
Simba Points
Get rewarded every time you transact with your credit or debit card, use KCB Mobi on *522#, bank online with KCB i-Bank, use KCB Mobile App, deposit money at any KCB Bank agent, process your salary, or even take a loan, mortgage or insurance cover.
