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Find a branch near you.

Talk to our Contact Centre 24 hours a day, 7 days a week , on

020 277 6000, 0703 027 000 or 0736 690 101 or SMS 16111.

Email:  This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Whatsapp 0736 690 101.


Log in to Co-opNet here: https://co-opnet.co.ke/cobk/engine

What is Co-opNet?

Co-opNet is the internet banking service of Co-operative Bank. Co-opNet enables customers to do full end-to-end banking through a web-based channel. The service is available through PCs, laptops and other internet-enabled devices. Co-opNet therefore is an additional channel for delivery of banking services by Co-op Bank besides branches, mobile phones, ATMs and authorized Agents.

Who can use Co-opNet?

All customers with any operational account, both individuals and institutions.

What do I need to start using Co-opNet?

The first step is to open an account with Co-operative Bank. If you already hold an account, complete the Co-opNet Application form available at our branches and return it to your branch. Once the application has been approved, you will be notified within five business days of your login information. Registration is free.

After how many days do I get my User ID, PIN and Code Card?

Upon registration, you will be issued with your Code Card Immediately.

Your PIN will be ready within 5 working days (at the branch where you applied unless otherwise specified).

How do I log on to the Internet Banking Site?

Go to https://co-opnet.co.ke/cobk/engine

Do I get to choose my User ID and PIN?

No, the bank will provide you with a User ID and initial PIN randomly generated by the system. These are both private and confidential and should not be shared with any other person. You can change your PIN at any time.

What does Co-opNet allow me to do?

Co-opNet will allow you to do the following:


1. View balances and transactions on your account.

2. Download and print account statements for the last three months

3. Make bill payments (KPLC & NWC) via electronic transfers

4. Make electronic transfers between your own accounts

5. Make electronic transfers to third parties, either to other Co-op bank accounts or to other local banks

6. Setup electronic transfers as future dated payments

7. Send communication directly to the bank through Secure Mail for any products and services. This can include:

  • Instructions to block lost cards

  • Instructions to stop cheques

  • General inquiries, complaints or compliments

How much will it cost me?

A monthly access fee of Kes. 100.00 for individual account holders and Kes. 1000.00 for institutions and Corporate Bodies and Kes. 500.00 for SMEs.

What information is required when registering for Co-opNet?

You are required to have your full account details and Identification documents used to open the account (ID/Passport). This information will provide verification of your identity and allows you access to the online banking services.

Note: If you don't have an account with Co-operative Bank, you can apply for several different account types from any branch. You can talk to us on 277 6000 or Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Can I use Co-opNet if I live outside Kenya?

Yes. It is an internet-based system which means you can access Co-opNet globally provided you have a computer with internet access.

How secure is Co-opNet?

The Bank uses security provided by robust authentication software and enterprise firewalls along with full 256 bit Secure Socket Layer (SSL) encryption. These security features, including multi-factor authentication, protect your identity while making it easy and safe for you to access your account information online. Also, the system will log you out if your browser is left idle for a while and will always indicate date and time of last login for your verification.

Is it safe to enter my password online?

YES! Thanks to the sophistication of encryption, sending and receiving information through Co-opNet is very secure and reliable. Encryption helps keep information private (such as your PIN or the transactions you perform) between the bank's computers and your Internet browser.

When on Co-opNet, how do I know I am visiting a secure internet site?

Co-opNet is accessed through a "secured" Internet site to help keep your online financial information private and secure. You will know you are at a secured site when you see the “https://” in the address field on your browser and the lock symbol at the bottom of your screen.

What do I do when I am unable to login?

You can call our support desk for assistance on 020 3276000 - Electronic Banking Dept. Notify the Bank immediately if your password does not work or you believe your User ID or password has been lost, stolen, or compromised in any way.

Guidelines on use:

a. Once you have your TAN card and login credentials, do not disclose this information to anyone.

b. If you lose your TAN card, you must block it by contacting the Bank.

c. On suspicion of misuse, you must block your TAN card by contacting the Bank.

d. Always store the TAN card and logon credentials separately.

What do I do when I get a warning that my TAN Card is about to expire?

Once you receive this warning, you can still use your card for 30 days after which you shall no longer be able to login. You can contact your branch directly or the Electronic Banking dept.(Corporate Customers) to request for a replacement. Duly signed instructions as per account mandate are required for any card replacements.

What proof do I receive for Bill Payments made through Co-opNet?

Once your online bill payments or transfers have been confirmed, a transaction reference number is provided on the statement as verification that your payment was accepted. You can refer to the number by clicking on the Process Date of a specific payment in the "Payment Search" section. You can also get a PDF print-out of the same from the website. If you have any questions or problems, contact our Customer Support for assistance on 020 3276000-Electronic Banking Dept.

Can I Bookmark the Co-opNet Site to Gain Access More Quickly?

Yes, you can bookmark the Co-opNet site. From your browser menu, click on "Favorites" if you use Internet Explorer or "Bookmarks" if you use Mozilla Firefox. Bookmark the Co-opNet site while on the Log-In page.

How do I find help / Answers to the queries that I may have on the use of Co-opNet?

You can access help on the various functions by clicking on the help link (Top right corner of the page). This will give you a detailed explanation of the various functions. You can also contact our Customer Support for assistance on 020 3276000-Electronic Banking Dept.

Can I view my loan balances online?

Yes – provided you specified that loan account as one of the accounts to be accessed through Co-opNet

Is there a limit on how much I can transfer online?

No. Unless you specify a limit during the application process, there are no other limits set as to how much you can transfer using Co-opNet. The service is entirely safe provided the UserID, PIN and Code Card is kept away from any other person. Remember that these security credentials are private to you and should not be shared at any time.

What happens if I forget my PIN or loose my Code Card?

Visit any branch near you and fill in the request form to get a new PIN and Code Card.

Can we sign on for Co-opNet if our account has joint mandates – both to sign jointly?

Yes. However for any funds transfers to be effected the two signatories to the account must both authorize the transaction online as per the existing mandates.

My company has several authorized signatories and the transactions are authorized by us jointly as is stipulated in the Bank Mandates.

Can we still use Co-opNet to transfer funds?

Yes. Co-opNet is able to allow authorizations in line with the existing mandates held by the Bank.

Feel free to get in touch through our Call Centre 0729 277 600, 0736 690 101 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it.