Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website. # Co-operative Bank of Kenya: Co-operative Bank of Kenya provides innovative banking solutions for individuals and businesses, offering secure, reliable, and customer-focused financial services. ## Sitemaps [XML Sitemap](https://www.co-opbank.co.ke/sitemap_index.xml): Includes all crawlable and indexable pages. ## Posts - [Caroline Wambui Karanja](https://www.co-opbank.co.ke/caroline-wambui-karanja/): Ambassadeur - [Chepkemoi Rosaline](https://www.co-opbank.co.ke/chepkemoi-rosaline/): Ngong/Tom Mboya - [Alice Majumah Obuya T/A Amo Computer Services](https://www.co-opbank.co.ke/alice-majumah-obuya-t-a-amo-computer-services/): Mfangano Trade Centre - [Isaac Kiguta Muriithi T/A Brown Twin Enterprises](https://www.co-opbank.co.ke/isaac-kiguta-muriithi-t-a-brown-twin-enterprises/): Terry House Mfangano Street - [Brown Twin Enterprises](https://www.co-opbank.co.ke/brown-twin-enterprises/): Terry House Mfangano Street ## Pages - [Board of Directors Remuneration Policy](https://www.co-opbank.co.ke/board-of-directors-remuneration-policy/): Purpose - [Board Member Attraction and Retention Policy](https://www.co-opbank.co.ke/board-member-attraction-and-retention-policy/): Purpose - [Stakeholder Engagement Policy](https://www.co-opbank.co.ke/stakeholder-engagement-policy/): Purpose - [Risk Management Policy](https://www.co-opbank.co.ke/risk-management-policy/): Purpose - [Procurement Policy](https://www.co-opbank.co.ke/procurement-policy/): Purpose - [Information Technology & Corporate Reporting Policy](https://www.co-opbank.co.ke/information-technology-corporate-reporting-policy/): Purpose - [Dispute Resolution Policy](https://www.co-opbank.co.ke/dispute-resolution-policy/): Purpose - [Corporate Disclosure Policy](https://www.co-opbank.co.ke/corporate-disclosure-policy/): Purpose - [Kesonia](https://www.co-opbank.co.ke/kesonia/): KESONIA stands for Kenya Shilling Overnight Interbank Average, that is computed from the interbank rates and published daily by Central Bank of Kenya. It shall now be used a Lending Reference Rate for all variable-rate Kenya Shillings denominated loans. - [credit page](https://www.co-opbank.co.ke/credit-page/) - [Careers](https://www.co-opbank.co.ke/careers-2/) - [Sarova Partnership](https://www.co-opbank.co.ke/sarova-partnership/) - [Investor Calendar](https://www.co-opbank.co.ke/investor-relations/investor-calendar/) - [Awards Gallery](https://www.co-opbank.co.ke/award-gallery/) - [Youth Account (Young Ennovators Account)](https://www.co-opbank.co.ke/youth-account-young-ennovators-account/) - [partnerships page 2](https://www.co-opbank.co.ke/partnerships-page-2/) - [All FAQs](https://www.co-opbank.co.ke/all-faqs/) - [All Terms](https://www.co-opbank.co.ke/all-terms/) - [YEA Privacy Policy](https://www.co-opbank.co.ke/yea-privacy-policy-page/): This privacy policy outlines how the YEA APP, developed by The Co-operative Bank of Kenya Ltd (hereinafter “the Bank”, “We", "Us" or "Our" in this policy), processes your personal data. Our commitment to respecting your privacy and safeguarding your personal data remains a top priority. - [partnerships page](https://www.co-opbank.co.ke/partnerships-page/) - [E-Citizen](https://www.co-opbank.co.ke/e-citizen/): Pay For E-Citizen Services Conveniently with Co-op Bank - [Corporate & Institutional Banking](https://www.co-opbank.co.ke/corporate-institutional-banking/) - [Government and Public Sector Banking](https://www.co-opbank.co.ke/government-and-public-sector-banking/) - [Institutional Banking](https://www.co-opbank.co.ke/institutional-banking/) - [Corporate Banking](https://www.co-opbank.co.ke/corporate-banking/) - [Coop Trust Reports](https://www.co-opbank.co.ke/coop-trust-reports/) - [Co-op Trust](https://www.co-opbank.co.ke/co-op-trust/) - [Flipbook – Coop Bank Q22022 Investor Presentation 3](https://www.co-opbank.co.ke/flipbook-coop-bank-q22022-investor-presentation-3/) - [Flipbook – Co-op Holdings Annual Report & Financial Statements 31st December 2022](https://www.co-opbank.co.ke/flipbook-co-op-holdings-annual-report-financial-statements-31st-december-2022/) - [Co-op Bank Group Managing Director & CEO Dr Gideon Muriuki fields questions from shareholders at the bank’s virtual14th Annual General Meeting held recently.](https://www.co-opbank.co.ke/co-op-bank-group-managing-director-ceo-dr-gideon-muriuki-fields-questions-from-shareholders-at-the-banks-virtual14th-annual-general-meeting-held-recently/) - [Good Numbers: The Group Managing Director & CEO Dr Gideon Muriuki together with Bank Chairman Mr John Murugu and the Vice Chairman Mr Macloud Malonza go through Co-op Bank’s Annual Report during the bank’s virtual 14th Annual General Meeting held recently.](https://www.co-opbank.co.ke/agm-photos/) - [2022 AGM Photos](https://www.co-opbank.co.ke/2022-agm-photos/) - [E-commerce](https://www.co-opbank.co.ke/e-commerce/) - [FAQs](https://www.co-opbank.co.ke/faqs/) - [Loan Calculator](https://www.co-opbank.co.ke/loan-calculator/) - [Sustainability Reports](https://www.co-opbank.co.ke/investor-relations/sustainability-reports/) - [Integrated Reports](https://www.co-opbank.co.ke/investor-relations/integrated-reports/) - [Proxy Forms](https://www.co-opbank.co.ke/investor-relations/proxy-forms/) - [Press Releases](https://www.co-opbank.co.ke/investor-relations/press-releases/) - [Notices](https://www.co-opbank.co.ke/investor-relations/notices/) - [Investor Briefings](https://www.co-opbank.co.ke/investor-relations/investor-briefings/) - [Financial Statements](https://www.co-opbank.co.ke/investor-relations/financial-statements/) - [Conference Call Transcripts](https://www.co-opbank.co.ke/investor-relations/conference-call-transcripts/) - [Co-op Holdings Co-operative Society AGM](https://www.co-opbank.co.ke/investor-relations/co-opholdings-co-operative-society-agm/) - [Analysis and Reviews](https://www.co-opbank.co.ke/investor-relations/analysis-and-review/) - [Thank You](https://www.co-opbank.co.ke/thank-you/) - [Whistleblowing](https://www.co-opbank.co.ke/whistleblowing/): Reporting Possible Violations - [Business Code of Conduct and Ethics](https://www.co-opbank.co.ke/business-code-of-conduct-and-ethics/): The Code helps us understand how Bank’s values are put into practice every day. - [Management](https://www.co-opbank.co.ke/management/) - [Sustainability](https://www.co-opbank.co.ke/sustainability/) ## Accounts - [Executive Banking Cards](https://www.co-opbank.co.ke/accounts/executive-banking-cards/) - [MSME Current Account](https://www.co-opbank.co.ke/accounts/msme-current-account/) - [Government and Public Sector Banking](https://www.co-opbank.co.ke/accounts/government-and-public-sector-banking/) - [Mshiriki Current Account](https://www.co-opbank.co.ke/accounts/mshiriki-current-account/) - [Club Special Loan](https://www.co-opbank.co.ke/accounts/club-special-loan/) - [Hekima Savings Account](https://www.co-opbank.co.ke/accounts/hekima-savings-account/) - [Haba na Haba Account](https://www.co-opbank.co.ke/accounts/haba-na-haba-account/) - [Corporate Banking](https://www.co-opbank.co.ke/accounts/corporate-banking/) - [Institutional Banking](https://www.co-opbank.co.ke/accounts/institutional-banking/) - [Current Account](https://www.co-opbank.co.ke/accounts/current-account/) - [Salary Account](https://www.co-opbank.co.ke/accounts/salary-account/) - [Children’s Account (Jumbo Junior)](https://www.co-opbank.co.ke/accounts/childrens-account-jumbo-junior/) - [Youth Account (Young Ennovators Account)](https://www.co-opbank.co.ke/accounts/youth-account-young-ennovators-account/) - [Goldfish Access Account](https://www.co-opbank.co.ke/accounts/goldfish-access-account/) ## Application Forms - [Account General Terms And Conditions](https://www.co-opbank.co.ke/application_forms/account-general-terms-and-conditions/) - [Co-op Bank App Registration Form](https://www.co-opbank.co.ke/application_forms/co-op-bank-app-registration-form/) - [Agency Banking Claim Form](https://www.co-opbank.co.ke/application_forms/agency-banking-claim-form/) - [MSME Terms and Conditions](https://www.co-opbank.co.ke/application_forms/msme-terms-and-conditions/) ## Borrow - [Kamilisha Transaction](https://www.co-opbank.co.ke/borrow/kamilisha-transaction/) - [Co-op-a-maji loan](https://www.co-opbank.co.ke/borrow/co-op-a-maji-loan/) - [Flexi Plus Salary Advance](https://www.co-opbank.co.ke/borrow/flexi-cash-salary-advance/) - [Personal Loan](https://www.co-opbank.co.ke/borrow/personal-loan/) - [Asset Finance](https://www.co-opbank.co.ke/borrow/asset-finance/) - [Asset Finance – Business](https://www.co-opbank.co.ke/borrow/asset-finance-business/) - [Mobile Loans in Kenya](https://www.co-opbank.co.ke/borrow/mobile-loans/) - [Mkopo wa Kujengana](https://www.co-opbank.co.ke/borrow/mkopo-wa-kujengana/) - [Mkopo wa Kujengana – Business](https://www.co-opbank.co.ke/borrow/mkopo-wa-kujengana-business/) - [Mortgage Financing & Properties](https://www.co-opbank.co.ke/borrow/good-homes-mortgages/) - [Share Registry Services](https://www.co-opbank.co.ke/borrow/share-registry-services/) - [Safe Keeping Services](https://www.co-opbank.co.ke/borrow/safe-keeping-services/) - [Corporate Trustee Services](https://www.co-opbank.co.ke/borrow/corporate-trustee-services/) - [Custody Services](https://www.co-opbank.co.ke/borrow/custody-services/) - [Club Special Loan](https://www.co-opbank.co.ke/borrow/club-special-loan/) - [Msamaria Women’s Loan](https://www.co-opbank.co.ke/borrow/msamaria-womens-loan/) - [Supply Chain Financing](https://www.co-opbank.co.ke/borrow/supply-chain-financing/) - [Import Duty Finance](https://www.co-opbank.co.ke/borrow/import-duty-finance/) - [Overdrafts](https://www.co-opbank.co.ke/borrow/overdrafts/) - [MSME Term Loan](https://www.co-opbank.co.ke/borrow/msme-term-loan/) - [MSME Overdraft Working Capital](https://www.co-opbank.co.ke/borrow/msme-overdraft-working-capital/) - [Business Mortgage and Construction Loans](https://www.co-opbank.co.ke/borrow/business-mortgage-and-construction-loans/) ## Card - [Co-op Business Cards](https://www.co-opbank.co.ke/card/business-card-2/) - [Co-op Prepaid Cards](https://www.co-opbank.co.ke/card/prepaid-cards/) - [Co-op Credit Cards](https://www.co-opbank.co.ke/card/credit-cards/) - [Co-op Debit Cards](https://www.co-opbank.co.ke/card/debit-cards-atm-cards/) ## Careers - [ICT Project Manager](https://www.co-opbank.co.ke/careers/co-op-bank/ict-project-manager-4/) - [SACCO Chief Executive Officer (REF: CBI/CEO/07/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-chief-executive-officer-ref-cbi-ceo-07-26/) - [ICT Risk Officer](https://www.co-opbank.co.ke/careers/co-op-bank/ict-risk-officer-3/) - [Employee Relations Manager](https://www.co-opbank.co.ke/careers/co-op-bank/employee-relations-manager/) - [Tele-Collector – MSME Collections](https://www.co-opbank.co.ke/careers/co-op-bank/tele-collector-msme-collections/) - [Sacco ICT Systems Officer (REF: CBI/ICTO/7/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-ict-systems-officer-ref-cbi-icto-7-26/) - [Sacco ICT & Compliance Manager Recruitment (REF: CBI/ICTM/06/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-ict-compliance-manager-recruitment-ref-cbi-ictm-06-26/) - [Sacco HR & Admin Officer (REF: CBI/HRO/6/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-hr-admin-officer-ref-cbi-hro-6-26/) - [Sacco ICT Officer (REF: CBI/ICTO/6/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-ict-officer-ref-cbi-icto-6-26/) - [Dealer – Local & Foreign Sales](https://www.co-opbank.co.ke/careers/kingdom-securities/dealer-local-foreign-sales-2/) - [Legal Officer](https://www.co-opbank.co.ke/careers/co-op-bank/legal-officer/) - [Quantity Surveyor](https://www.co-opbank.co.ke/careers/co-op-bank/434771/) - [Facilities Manager](https://www.co-opbank.co.ke/careers/co-op-bank/facilities-manager/) - [Data Privacy Analyst](https://www.co-opbank.co.ke/careers/co-op-bank/434731/) - [Internal Auditor](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/internal-auditor/) - [FX Trader](https://www.co-opbank.co.ke/careers/co-op-bank/fx-trader-3/) - [Sacco Finance Manager](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-finance-manager/) - [Digital & E-Channels Support Officer](https://www.co-opbank.co.ke/careers/co-op-bank/digital-e-channels-support-officer-9/) - [Retail & SME Dealer](https://www.co-opbank.co.ke/careers/co-op-bank/retail-sme-dealer/) - [Money Market Dealer](https://www.co-opbank.co.ke/careers/co-op-bank/money-market-dealer/) - [Enterprise Business Analyst – AI Enablement](https://www.co-opbank.co.ke/careers/co-op-bank/enterprise-business-analyst-ai-enablement/) - [Head – Projects & Facilities Management](https://www.co-opbank.co.ke/careers/co-op-bank/head-projects-facilities-management/) - [Product Manager – AI Enablement](https://www.co-opbank.co.ke/careers/co-op-bank/product-manager-ai-enablement/) - [Solutions Architect – AI Enablement](https://www.co-opbank.co.ke/careers/co-op-bank/solutions-architect-ai-enablement/) - [Data Architect – AI Enablement](https://www.co-opbank.co.ke/careers/co-op-bank/data-architect-ai-enablement/) - [Field Services Officer](https://www.co-opbank.co.ke/careers/co-op-bank/field-services-officer/) - [Sacco Chief Executive Officer (REF: CBI/CEO/05/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-chief-executive-officer-ref-cbi-ceo-05-26/) - [Society Finance Manager (REF: SFM/CBI/04/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/society-finance-manager-ref-sfm-cbi-04-26/) - [CHIEF EXECUTIVE OFFICER (REF: CBI/CEO/05/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/chief-executive-officer-ref-cbi-ceo-05-26/) - [SOA Support Engineer](https://www.co-opbank.co.ke/careers/co-op-bank/soa-support-engineer-4/) - [Sacco Business Development Manager Ref: (CBI/BDM/04/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-business-development-manager-ref-cbi-bdm-04-2026/) - [Sacco Information Systems Administrator Ref: (CBI/ISA/04/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-information-systems-administrator-ref-cbi-isa-04-2026/) - [Sacco Human Resource and Administration Manager (Ref: HR&A/3/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/human-resource-and-administration-manager-ref-hra-3-2026/) - [Sacco Training and Consultancy Manager (Ref: T&CM/3/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/training-and-consultancy-manager-ref-tcm-3-2026/) - [Sacco Advocacy Manager (Ref: ADVM/3/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/advocacy-manager-ref-advm-3-2026/) - [Corporate Dealer](https://www.co-opbank.co.ke/careers/co-op-bank/corporate-dealer-2/) - [Sacco Chief Executive Officer (REF: CEO/ASS/2026)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-chief-executive-officer-ref-ceo-ass-2026/) - [In Charge –NGO & Donor Business](https://www.co-opbank.co.ke/careers/co-op-bank/in-charge-ngo-donor-business/) - [SACCO Internal Auditor (REF:CBI /IA/03/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-internal-auditor-refcbi-ia-03-26/) - [Sacco Chief Executive Officer (REF: CBI/CEO/02/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-chief-executive-officer-ref-cbi-ceo-02-26/) - [Sacco Bancassurance Officer (REF: CBI/BO/03/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-bancassurance-officer-ref-cbi-bo-03-26/) - [Sacco Risk And Internal Auditor (REF: CBI/RIA/03/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-risk-and-internal-auditor-ref-cbi-ria-03-26/) - [Corporate Credit Analyst](https://www.co-opbank.co.ke/careers/co-op-bank/corporate-credit-analyst-4/) - [Full Stack Developer](https://www.co-opbank.co.ke/careers/co-op-bank/full-stack-developer-6/) - [Front – End Developer](https://www.co-opbank.co.ke/careers/co-op-bank/front-end-developer-5/) - [Integrations Developer](https://www.co-opbank.co.ke/careers/co-op-bank/integrations-developer-2/) - [Sacco Information Systems Administrator REF: (CBI/ISA/02/26)](https://www.co-opbank.co.ke/careers/co-op-consultancy-intermediary-limited-cbi/sacco-information-systems-administrator-ref-cbi-isa-02-26/) - [Head – Corporate Credit Risk Analysis](https://www.co-opbank.co.ke/careers/co-op-bank/head-corporate-credit-risk-analysis-2/) - [Finacle Support Engineer](https://www.co-opbank.co.ke/careers/co-op-bank/finacle-support-engineer-2/) - [Enterprise Architect](https://www.co-opbank.co.ke/careers/kingdom-securities/enterprise-architect-4/) ## Faqs - [Click here to view KESONIA documents](https://www.co-opbank.co.ke/faq/click-here-to-view-kesonia-documents/): Kesonia-pricing-notice-3.pdf - [Will I receive notifications monthly where there are changes in KESONIA rate?](https://www.co-opbank.co.ke/faq/will-i-receive-notifications-monthly-where-there-are-changes-in-kesonia-rate/): Customers should make reference for KESONIA rates from the Central Bank of Kenya (CBK) Website. Also, the Bank will publish the applicable KESONIA rate for the month on its website and applicable media platforms. - [What will happen to the interest rates for current facilities?](https://www.co-opbank.co.ke/faq/what-will-happen-to-the-interest-rates-for-current-facilities/): Existing facilities rates will transition to KESONIA-based rates by 28th February 2026. Customers shall receive their pricing notices in January 2026. - [Are there any new fees or additional costs?](https://www.co-opbank.co.ke/faq/are-there-any-new-fees-or-additional-costs/): There are no new additional fees or charges. - [What loans are affected?](https://www.co-opbank.co.ke/faq/what-loans-are-affected/): KESONIA applies to all new variable-rate loans denominated in Kenyan Shillings starting from 1st December 2025. - [What is Risk-based Credit Pricing Model (RBCPM)?](https://www.co-opbank.co.ke/faq/what-is-risk-based-credit-pricing-model-rbcpm/): The Risk-Based Credit Pricing Model (RBCPM) is a differentiated credit pricing that is determined by the customer risk profile. Borrowers with lower risk rating get better interest rates, while higher risk borrowers would get higher interest rates. Therefore, two borrowers in the same customer segment can have different pricing based on their different risk profile. - [What is KESONIA?](https://www.co-opbank.co.ke/faq/what-is-kesonia/): KESONIA stands for Kenya Shilling Overnight Interbank Average, that is computed from the interbank rates and published daily by Central Bank of Kenya. It shall now be used a Lending Reference Rate for all variable-rate Kenya Shillings denominated loans. - [How do we handle tranche mortgage disbursements, and will this affect KMRC?](https://www.co-opbank.co.ke/faq/how-do-we-handle-tranche-mortgage-disbursements-and-will-this-affect-kmrc/): Additional tranche disbursements for partially drawn facilities shall continue under existing pricing. They shall transition under existing credit facilities in February 2026. - [Effect of KESONIA on loan for restructures?](https://www.co-opbank.co.ke/faq/effect-of-kesonia-on-loan-for-restructures/): Loans under restructure review will also reflect KESONIA plus applicable Customer Premium (K) as at the time of restructure. - [What happens to existing facilities on concessions?](https://www.co-opbank.co.ke/faq/what-happens-to-existing-facilities-on-concessions/): Existing facilities under concessions shall retain their effective interest rate, unless where the justification or approval conditions for the concessions have been breached. - [What will happen to the current facilities?](https://www.co-opbank.co.ke/faq/what-will-happen-to-the-current-facilities/): Existing Variable rate Kenya Shilling denominated credit facilities will transition to KESONIA-based rates by 28th February 2026. Further guidelines shall be shared in due course. - [How changes in KESONIA and effective interest rates be handled?](https://www.co-opbank.co.ke/faq/how-changes-in-kesonia-and-effective-interest-rates-be-handled/): For Personal Loans – we will retain loan repayment schedule & adjust the tenor accordingly, unless customer requests otherwise. - [Will notifications be sent to customers monthly where there are changes in KESONIA rate?](https://www.co-opbank.co.ke/faq/will-notifications-be-sent-to-customers-monthly-where-there-are-changes-in-kesonia-rate/): Customers shall make reference for KESONIA rates from the Central Bank of Kenya (CBK) Website. Also, the Bank will publish the applicable KESONIA rate for the month on its website and applicable media platforms. - [Can a customer having two business loans e.g. asset finance and working capital, have different rates for the different facilities?](https://www.co-opbank.co.ke/faq/can-a-customer-having-two-business-loans-e-g-asset-finance-and-working-capital-have-different-rates-for-the-different-facilities/): Yes, a customer with two different credit facilities e.g. asset finance and working capital, can have different rates for each facility. If the facilities are approved at different times, the customer’s risk rating can be different for the two facilities based on changes in their financials, repayment behavior among others. - [How do we determine the effective rate for new-to-bank borrowers?](https://www.co-opbank.co.ke/faq/how-do-we-determine-the-effective-rate-for-new-to-bank-borrowers/): For new-to-bank borrowers, the effective interest rate shall be under the KESONIA model i.e. KESONIA Reference Rate plus a Customer Premium ("K"). This shall be determined by the applicable risk rating for the customer segment. - [Will the Customer Premium (K) be constant?](https://www.co-opbank.co.ke/faq/will-the-customer-premium-k-be-constant/): The Customer Premium (K) is a variable component of the overall effective interest rate. - [Is the Customer Premium (K) same across different banks?](https://www.co-opbank.co.ke/faq/is-the-customer-premium-k-same-across-different-banks/): No, each bank has developed its own risk rating model based on its risk appetite and risk evaluation criteria. - [Difference between KESONIA and Risk-based Credit Pricing Model (RBCPM)?](https://www.co-opbank.co.ke/faq/difference-between-kesonia-and-risk-based-credit-pricing-model-rbcpm/): KESONIA is an interbank rate publicly published by Central Bank of Kenya (CBK) in their website on a daily basis. The Bank shall use KESONIA rates as the Lending Reference Rate for variable rate Kenya Shilling Denominated loans. - [How much does it cost to RE-SET my PIN?](https://www.co-opbank.co.ke/faq/how-much-does-it-cost-to-re-set-my-pin/): There is no charge for using this service. - [What is the process of resetting Co-op Bank App PIN?](https://www.co-opbank.co.ke/faq/what-is-the-process-of-resetting-mco-opcash-pin/): Dial *667#. Reply with 1 in case you have forgotten your PIN. Replying with 1 to Accept Terms and Conditions. Enter your National ID or Passport Number. Select your preferred option which is either 1. Calling the Contact Center number 0703 027 000.  2. Reset Via Security Questions When you select the option of Reset PIN via Security Questions, answer them Enter your preferred 4-digit PIN. Confirm your preferred PIN. - [Can I reset my PIN through the Co-op Bank APP?](https://www.co-opbank.co.ke/faq/can-i-reset-my-pin-through-the-mco-opcash-app-2/): Yes - [How long does the One Time Password (OTP) take to expire?](https://www.co-opbank.co.ke/faq/how-long-does-the-one-time-password-otp-take-to-expire/): The OTP expires in 30 minutes. If you exceed the 30 minutes before using the OTP, then you will be required to re-do the process. - [What should I do if I do not receive the One Time Password (OTP)?](https://www.co-opbank.co.ke/faq/what-should-i-do-if-i-do-not-receive-the-one-time-password-otp/): If you do not receive an OTP, kindly call our contact center on 0703027000. - [I am entering my correct ID or Passport number but I am still getting the error ‘’Invalid National ID Number or Passport number’’ What should I do?](https://www.co-opbank.co.ke/faq/i-am-entering-my-correct-id-or-passport-number-but-i-am-still-getting-the-error-invalid-national-id-number-or-passport-number-what-should-i-do/): Kindly visit your nearest branch to confirm that your ID or Passport number is properly captured. - [Is there a limit to the number of times I can reset my Co-op Bank app PIN? ](https://www.co-opbank.co.ke/faq/is-there-a-limit-to-the-number-of-times-i-can-reset-my-mco-op-cash-pin/): No. There is no limit on the number of times you can reset your Co-op Bank app pin. - [I am getting the message ‘’Invalid National ID or Passport’’ when I enter my ID number or Passport Number](https://www.co-opbank.co.ke/faq/i-am-getting-the-message-invalid-national-id-or-passport-when-i-enter-my-id-number-or-passport-number/): Kindly enter the national ID number or Passport number that you used when opening the Co-op Bank app account. - [How do I withdraw cash at a Co-op Kwa Jirani Agent?](https://www.co-opbank.co.ke/faq/how-do-i-withdraw-cash-at-a-co-op-kwa-jirani-agent-2/): Log into Co-op Bank App or by dialing *667#. Select WITHDRAW CASH. Select CO-OP KWA JIRANI AGENT. Follow the instructions. Receive SMS with a SECRET CODE. Give the SECRET CODE, your MCoopcash number, and original ID/Passport to the agent to complete the withdrawal - [How do I send cash by code for a beneficiary to withdraw at a Co-op Kwa Jirani Agent?](https://www.co-opbank.co.ke/faq/how-do-i-send-cash-by-code-for-a-beneficiary-to-withdraw-at-a-co-op-kwa-jirani-agent-2/): Log into Co-op Bank app or through *667#. Select Send Cash by Code. Select Co-op Kwa Jirani Enter the phone number and identification number of the Beneficiary. Follow the instructions The beneficiary receives an SMS with the Six Digit Secret Code to use at Co-op Kwa Jirani Agent. - [How can I access my Kes.1 deposited to my Co-op Bank App Account?](https://www.co-opbank.co.ke/faq/how-can-i-access-my-kes-1-deposited-to-my-mco-op-cash-account/): Dial *667# to access the main Co-op Bank App menu and explore the available options of utilizing the money. - [What if I Input the wrong M-Pesa PIN?](https://www.co-opbank.co.ke/faq/what-if-i-input-the-wrong-m-pesa-pin/): You will receive an SMS stating that you entered the wrong PIN and you will therefore be required to try the process again. - [What if I do not have money in my M-Pesa? ](https://www.co-opbank.co.ke/faq/what-if-i-do-not-have-money-in-my-m-pesa/): The validation process and consequent change of PIN cannot be completed. You will need to have at least Kes. 1/- in your M-Pesa account before beginning the reset process. - [What if I do not remember my M-Pesa PIN?](https://www.co-opbank.co.ke/faq/what-if-i-do-not-remember-my-m-pesa-pin/): You will not be able to successfully do a PIN reset unless you have the correct M-Pesa PIN. However, you can still call the Contact Centre via 0703027000 or visit your nearest Co-op Bank Branch for assistance. - [What should I do if my M-pesa PIN is compromised? Can I prevent someone else from resetting my pin?](https://www.co-opbank.co.ke/faq/what-should-i-do-if-my-m-pesa-pin-is-compromised-can-i-prevent-someone-else-from-resetting-my-pin/): If your M-pesa pin is compromised, and to prevent someone else from resetting your pin, urgently call our contact center for your account to be blocked to prevent someone else from resetting your pin. - [What is Co-op Bank App Salary Loan?](https://www.co-opbank.co.ke/faq/what-is-mco-opcash-salary-loan/): Co-op Bank App Salary Loan is available to those who receive their Salary through a Co-op Bank account. There is no need for your employer to have an MOU (prior agreement) with the bank. - [What are the charges?](https://www.co-opbank.co.ke/faq/what-are-the-charges/): You will be charged a one-off fee of 8% for a term of 1 month, 10% for a loan term of 2months and 12% for a loan term of 3 months, on the loan amount + 0.034% pm insurance fee (insurance is for all loan types) + excise duty of 20%. The fees are deducted upfront (i.e., before the money is deposited in your Co-op Bank App wallet account). For example, if you request a loan of Kes 10,000: - [What is the repayment period?](https://www.co-opbank.co.ke/faq/what-is-the-repayment-period/): You can choose to repay the loan in 1 month, 2 months or 3 months. The total cost of the loan will vary depending on the loan term you choose to repay your loan i.e. in 1 month, 2 months or 3 months. - [Can I apply for Co-op Bank App Salary loan if I have another loan with Co-op Bank, e.g. Personal Loan? ](https://www.co-opbank.co.ke/faq/can-i-apply-for-mco-op-cash-salary-loan-if-i-have-another-loan-with-co-op-bank-e-g-personal-loan/): Yes. If you have an existing Co-op Bank app loan, you are allowed to top-up after repaying at least 1 instalment. - [Must I open a Salary Account or can my salary be paid to any Co-op Bank Account?](https://www.co-opbank.co.ke/faq/must-i-open-a-salary-account-or-can-my-salary-be-paid-to-any-co-op-bank-account/): Your salary can be received in any Co-op Bank account except the pure savings (Hekima) account. - [If my salary starts being paid to a Co-op account today, how soon can I apply for an Co-op Bank App Salary Loan?](https://www.co-opbank.co.ke/faq/if-my-salary-starts-being-paid-to-a-co-op-account-today-how-soon-can-i-apply-for-an-mco-op-cash-salary-loan/): You can apply for the loan after receiving at least 1 salary credit. - [What if my loan application is declined?](https://www.co-opbank.co.ke/faq/what-if-my-loan-application-is-declined/): You can visit the nearest Co-op Bank branch, call customer service on 020 2776000 / 0736 690101 / 0703 027000 or email customerservice@co-opbank.co.ke. - [What are some of the reasons a loan application can be declined?](https://www.co-opbank.co.ke/faq/what-are-some-of-the-reasons-a-loan-application-can-be-declined/): Borrowing history. Overdrawn salary account. Co-op Bank app loan arrears. Any other Co-op loan in arrears. - [How will I repay the loan?](https://www.co-opbank.co.ke/faq/how-will-i-repay-the-loan/): The loan repayments will automatically be deducted from your salary account when they’re due. Loans taken between 1st and 10th fall due on 19th of the same month Loans taken between 11th and 31st fall due on 19th of the following (consecutive) month. - [How do I check my loan balance?](https://www.co-opbank.co.ke/faq/how-do-i-check-my-loan-balance/): Check loan Balance on the App via: Eloans >> check balance - [How many times can I apply for the loan?](https://www.co-opbank.co.ke/faq/how-many-times-can-i-apply-for-the-loan/): You can apply for the loan as many times as possible, but you can only qualify for Co-op Bank App loan at a time. - [If I have more than one registered mobile number, can I register for more than one Co-op Bank app account and apply for several loans?](https://www.co-opbank.co.ke/faq/if-i-have-more-than-one-registered-mobile-number-can-i-register-for-more-than-one-mco-opcash-account-and-apply-for-several-loans/): You can register more than one Co-op Bank app account, but you can only take one Co-op Bank app loan at a time. - [Can I top up my loan?](https://www.co-opbank.co.ke/faq/can-i-top-up-my-loan/): Yes. If you take a loan, which you opt to pay in 2 or 3 months, you can top up the loan after paying at least one installment. When you take a 1-month loan, you are allowed to access more amount which is within your limit before the loan falls due. - [Can I access Co-op Bank app outside Kenya?](https://www.co-opbank.co.ke/faq/can-i-access-mco-opcash-outside-kenya/): Yes. Through the Co-op Bank app which is internet-based. - [What if I lose network signal during a transaction?](https://www.co-opbank.co.ke/faq/what-if-i-lose-network-signal-during-a-transaction/): Whenever you successfully complete a loan application you will receive a confirmation message that the loan application is successful and the amount has been deposited in your Co-op Bank app account. If you do not receive this message due to a lost signal, check your account and re-apply for the loan if it did not get processed. - [What if I lose my phone?](https://www.co-opbank.co.ke/faq/what-if-i-lose-my-phone/): Your money is safe because your Co-op Bank app PIN protects your Co-op Bank app account. You are advised to block and replace your SIM card with your mobile phone service provider. With the new SIM card in place, and as long as you have maintained the same mobile number, you can continue to use your Co-op Bank app through *667#. To access through the app on your new phone, you will need to visit the nearest branch in order to re-set your new phone. This is a security measure the bank has put in place to protect you from fraud. - [What if I forget my Co-op Bank App PIN?](https://www.co-opbank.co.ke/faq/what-if-i-forget-my-mco-opcash-pin/): Dial *667# and reply with 1. To accept terms and conditions, reply with 1. Enter your National ID or passport number (whichever you used to register for Co-op Bank App). Select your preferred option which is either 1. Reset PIN via Mpesa transaction. If you select option 1. Reset PIN via Mpesa transaction, an Mpesa pop-up will appear requesting you to confirm a deposit of Kes 1.00 to your Co-op Bank App account by entering your Mpesa PIN. If you enter the wrong Mpesa PIN you will be required to repeat the process. Once you enter the Mpesa PIN, you will receive an SMS with a 6-digit password. This password expires after 30 minutes, after which you will be required to repeat the process. If you do not receive the password, call our contact center on 0703 0270000. Redial *667# and enter this 6-digit password. You will be asked to enter and confirm your preferred new Co-op Bank App PIN. ## Investings - [Fixed Deposit Account](https://www.co-opbank.co.ke/investing/fixed-deposit-account/) - [Call Deposit Account](https://www.co-opbank.co.ke/investing/call-deposit-account/) - [Treasury Bill](https://www.co-opbank.co.ke/investing/treasury-bill/) - [Co-opTrust Investment Services Limited](https://www.co-opbank.co.ke/investing/co-op-trust-wealth-management-services/) - [Kingdom Securities Limited](https://www.co-opbank.co.ke/investing/kingdom-securities-limited/) - [Custodial & Investor Services](https://www.co-opbank.co.ke/investing/custody-and-investor-services/) - [Fixed Income & Money Market Products](https://www.co-opbank.co.ke/investing/fixed-income-money-market-products/) - [Treasury Bond](https://www.co-opbank.co.ke/investing/treasury-bond/) ## Investor Documents - [Co-Operative Bank Shareholding Structure As At 30.06.2026](https://www.co-opbank.co.ke/investor-documents/the-co-operative-bank-limited-shareholding-structure-as-at-30-06-2026/) - [Co-op Bank hosts South Sudan Cooperatives Forum](https://www.co-opbank.co.ke/investor-documents/co-op-bank-hosts-south-sudan-cooperatives-forum/) - [Investor Presentation – Q1 2026](https://www.co-opbank.co.ke/investor-documents/investor-presentation-q1-2026/) - [The Co-Operative Bank Limited 31.05.2026](https://www.co-opbank.co.ke/investor-documents/the-co-operative-bank-limited-31-05-2026/) - [Co-operative Bank Limited Shareholder Profile As At 30.04.2026](https://www.co-opbank.co.ke/investor-documents/co-operative-bank-limited-shareholder-profile-as-at-30-04-2026/) - [Co-op Bank Group -Q1 2026 Financials](https://www.co-opbank.co.ke/investor-documents/co-op-bank-group-q1-2026-financials/) - [2025 Integrated Report Co-op Bank Group](https://www.co-opbank.co.ke/investor-documents/co-op-bank-integrated-report-web/) - [Co-op Bank Q1 2026 Financial Results](https://www.co-opbank.co.ke/investor-documents/co-op-bank-qtr1-2026-financial-results/) - [Memoradum and Articles of Association Co-opbank Group PLC (NOHC)](https://www.co-opbank.co.ke/investor-documents/memoradum-and-articles-of-association-co-opbank-group-plc-nohc/) - [Co-op Bank Kenya Limited Memorandum and Articles of Association](https://www.co-opbank.co.ke/investor-documents/co-op-bank-kenya-limited-memorandum-and-articles-of-association/) - [Circular To Shareholders](https://www.co-opbank.co.ke/investor-documents/circular-to-shareholders/) - [Bank Proxy Form 2026](https://www.co-opbank.co.ke/investor-documents/bank-proxy-form-2026/) - [COOP 18TH AGM POLLING RESULTS 2026](https://www.co-opbank.co.ke/investor-documents/agm-2026-notice-2/) - [Agm 2026 Notice](https://www.co-opbank.co.ke/investor-documents/agm-2026-notice/) - [Summary Consolidated Financial](https://www.co-opbank.co.ke/investor-documents/summary-consolidated-financial/) - [Co-op Bank Alignment of Group Structure](https://www.co-opbank.co.ke/investor-documents/co-op-bank-alignment-of-group-structure/) - [Press Release – Co-op Bank Alignment on Group Structure 21 Apr 2026](https://www.co-opbank.co.ke/investor-documents/press-release-co-op-bank-alignment-on-group-structure-21-apr-2026/) - [Co-op Public Announcement April 2026](https://www.co-opbank.co.ke/investor-documents/co-op-public-announcement-april-2026/) - [The Co-Operative Bank Limited Shareholding Structure As At 31.03.2026](https://www.co-opbank.co.ke/investor-documents/the-co-operative-bank-limited-shareholding-structure-as-at-31-03-2026/) - [Co-operative Bank Shareholder Profile as at 28.02.2026](https://www.co-opbank.co.ke/investor-documents/co-operative-bank-shareholder-profile-as-at-28-02-2026/) - [Investor Presentation – FY 2025](https://www.co-opbank.co.ke/investor-documents/investor-presentation-fy-2025/) - [Co-op Bank Financials – FY 2025](https://www.co-opbank.co.ke/investor-documents/co-op-bank-financials-2025/) - [The Co-Operative Bank Limited Ownership Structure As At 30.04.2025](https://www.co-opbank.co.ke/investor-documents/the-co-operative-bank-limited-ownership-structure-as-at-30-04-2025/) - [The Co-Operative Bank Limited Shareholder Structure As At 31.10.2025](https://www.co-opbank.co.ke/investor-documents/the-co-operative-bank-limited-shareholder-structure-as-at-31-10-2025/) - [Press Release – Co-op Bank FY 2025](https://www.co-opbank.co.ke/investor-documents/press-release-co-op-bank-fy-2025/) - [Kesonia May 2026 Rate](https://www.co-opbank.co.ke/investor-documents/kesonia-may-2026-rate/) - [Kesonia April 2026 Rate](https://www.co-opbank.co.ke/investor-documents/kesonia-april-2026-rate/) - [Kesonia Public Notice](https://www.co-opbank.co.ke/investor-documents/kesonia-public-notice/) - [Investor Presentation – Q3 2025](https://www.co-opbank.co.ke/investor-documents/investor-presentation-q3-2025/) - [Co-op Bank Group – Q3 2025 Financials](https://www.co-opbank.co.ke/investor-documents/co-op-bank-group-q32025-financials/) - [Press Release – Co-op Bank Q3 2025](https://www.co-opbank.co.ke/investor-documents/press-release-q3-2025/) - [Investor Presentation – H12025](https://www.co-opbank.co.ke/investor-documents/investor-presentation-h12025/) - [Co-op Bank Group – H1 2025 Financials](https://www.co-opbank.co.ke/investor-documents/co-op-bank-group-h1-2025-financials/) - [Co-op Bank Reports Ksh 19.7 Billion Profit For H1 2025](https://www.co-opbank.co.ke/investor-documents/co-op-bank-reports-ksh-19-7-billion-profit-for-h1-2025/) - [2024 Integrated Report Co-op Bank Group](https://www.co-opbank.co.ke/investor-documents/2024-integrated-report-co-op-bank-group/) - [Co-op 17th AGM 2025 Questions & Answers](https://www.co-opbank.co.ke/investor-documents/co-op-17th-agm-2025-questions-answers/) - [Investor Presentation- Q1 2025](https://www.co-opbank.co.ke/investor-documents/investor-presentation-q1-2025/) - [Co-op 17th Annual General Meeting Polling Results](https://www.co-opbank.co.ke/investor-documents/co-op-17th-annual-general-meeting-polling-results/) - [Co-op Bank Group – Q1 2025 Financials](https://www.co-opbank.co.ke/investor-documents/co-op-bank-group-q1-2025-financials/) - [Press Release – Co-op Bank reports Sh9.63Bn Profit for Q1 2025](https://www.co-opbank.co.ke/investor-documents/press-release-coopbank-reports-sh9-63bn-profit-for-q1-2025/) - [Integrated Report](https://www.co-opbank.co.ke/investor-documents/integrated-report/) - [Proxy Form](https://www.co-opbank.co.ke/investor-documents/co-op-bank-proxy-form-2025/) - [ESG Report 2023](https://www.co-opbank.co.ke/investor-documents/esg-report-2023/) - [Consolidated Financial Statements for the Year ended 31st December 2024](https://www.co-opbank.co.ke/investor-documents/consolidated-financial-statements-for-the-year-ended-31st-december-2024/) - [AGM 2025 Notice](https://www.co-opbank.co.ke/investor-documents/agm-2025-notice/) - [Investor Presentation – FY 2024](https://www.co-opbank.co.ke/investor-documents/investor-presentation-fy-2024/) - [Co-op Bank Group-FY 2024 Financials](https://www.co-opbank.co.ke/investor-documents/co-op-bank-fy-financials-2024/) - [Press Release- Co-op Bank Reports Ksh 34.8B for full year 2024](https://www.co-opbank.co.ke/investor-documents/press-release-coopbank-report-ksh-34-8bn-profit-for-fullyear-2024/) - [Co-op Bank Shareholder Profile as at 31.01.25](https://www.co-opbank.co.ke/investor-documents/co-op-bank-shareholder-profile-as-at-31-01-25/) - [Co-op Bank Shareholder Profile as at 31.12.2024](https://www.co-opbank.co.ke/investor-documents/co-op-bank-shareholder-profile-as-at-31-12-2024/) ## Locations - [Kiganjo Police College](https://www.co-opbank.co.ke/locations/kiganjo-police-college/) - [Kebirigo](https://www.co-opbank.co.ke/locations/kebirigo/) - [Yaya Centre](https://www.co-opbank.co.ke/locations/yaya-centre/) - [Total Hurlingham](https://www.co-opbank.co.ke/locations/total-hurlingham/) - [Njoro](https://www.co-opbank.co.ke/locations/njoro/) - [Kehancha](https://www.co-opbank.co.ke/locations/kehancha/) - [Lugari Teachers Sacco](https://www.co-opbank.co.ke/locations/lugari-teachers-sacco/) - [Kwale](https://www.co-opbank.co.ke/locations/kwale/) - [Msambweni](https://www.co-opbank.co.ke/locations/msambweni/) - [Chagaik](https://www.co-opbank.co.ke/locations/chagaik/) - [Watamu Atm](https://www.co-opbank.co.ke/locations/watamu-atm/) - [Jogoo Road](https://www.co-opbank.co.ke/locations/jogoo-road/) - [Kenyatta Market](https://www.co-opbank.co.ke/locations/kenyatta-market/) - [Kenyatta National Hospital](https://www.co-opbank.co.ke/locations/kenyatta-national-hospital/) - [Kapsoit](https://www.co-opbank.co.ke/locations/kapsoit/) - [Uniliver Kapgwen](https://www.co-opbank.co.ke/locations/uniliver-kapgwen/) - [Greenspan Mall](https://www.co-opbank.co.ke/locations/greenspan-mall/) - [Total Kayole Junction](https://www.co-opbank.co.ke/locations/total-kayole-junction/) - [Uniliver Kaptien](https://www.co-opbank.co.ke/locations/uniliver-kaptien/) - [Nawiri Sacco Embu Town](https://www.co-opbank.co.ke/locations/nawiri-sacco-embu-town/) - [Daima Sacco Kianjakoma](https://www.co-opbank.co.ke/locations/daima-sacco-kianjakoma/) - [Daima Sacco Manyatta](https://www.co-opbank.co.ke/locations/daima-sacco-manyatta/) - [James Finlay Lemotit Farm](https://www.co-opbank.co.ke/locations/james-finlay-lemotit-farm/) - [Williamson Tea](https://www.co-opbank.co.ke/locations/williamson-tea/) - [Chepsol Tea](https://www.co-opbank.co.ke/locations/chepsol-tea/) - [James Finlay Changana](https://www.co-opbank.co.ke/locations/james-finlay-changana-2/) - [James Finlay Kitumbe](https://www.co-opbank.co.ke/locations/james-finlay-kitumbe/) - [James Finlay Kaisugu](https://www.co-opbank.co.ke/locations/james-finlay-kaisugu/) - [Uniliver Cheymen](https://www.co-opbank.co.ke/locations/uniliver-cheymen/) - [James Finlay Kymulot](https://www.co-opbank.co.ke/locations/james-finlay-kymulot/) - [James Finlay Hospital](https://www.co-opbank.co.ke/locations/james-finlay-hospital/) - [James Finlay Engineering](https://www.co-opbank.co.ke/locations/james-finlay-engineering/) - [James Finlay Changana](https://www.co-opbank.co.ke/locations/james-finlay-changana/) - [Uniliver Ngoina](https://www.co-opbank.co.ke/locations/uniliver-ngoina/) - [Uniliver Jamji](https://www.co-opbank.co.ke/locations/uniliver-jamji/) - [Uniliver Kerenga](https://www.co-opbank.co.ke/locations/uniliver-kerenga/) - [Kabianga University](https://www.co-opbank.co.ke/locations/kabianga-university/) - [Total Sotik](https://www.co-opbank.co.ke/locations/total-sotik/) - [Kenya Highlands Sacco](https://www.co-opbank.co.ke/locations/kenya-highlands-sacco/) - [Ndege Chai Sacco](https://www.co-opbank.co.ke/locations/ndege-chai-sacco/) - [Kipsigis Teachers](https://www.co-opbank.co.ke/locations/kipsigis-teachers/) - [Simba Chai Sacco](https://www.co-opbank.co.ke/locations/simba-chai-sacco/) - [Kisumu Milimani Executive Plus Center](https://www.co-opbank.co.ke/locations/kisumu-milimani-executive-plus-center/) - [Nakuru Riria Hub Executive Plus Center](https://www.co-opbank.co.ke/locations/nakuru-riria-hub-executive-plus-center/) - [Eldoret Rupa Mall Executive Plus Center](https://www.co-opbank.co.ke/locations/eldoret-rupa-mall-executive-plus-center/) - [Laare Branch](https://www.co-opbank.co.ke/locations/laare-branch/) - [Nyali Executive Plus Center](https://www.co-opbank.co.ke/locations/nyali-executive-plus-center/) - [Kibwezi Branch](https://www.co-opbank.co.ke/locations/kibwezi-branch/) - [Rumuruti Branch](https://www.co-opbank.co.ke/locations/rumuruti-branch/) - [Isibania Branch](https://www.co-opbank.co.ke/locations/isibania-branch/) ## Management Team - [John Murugu, OGW](https://www.co-opbank.co.ke/_management-team/john-murugu-ogw/): He has over 25 years of banking experience at the Central Bank of Kenya notably as the Director, Bank Supervision. He holds a Bachelor of Education Degree and Master of Arts in Economics; and is an Associate of the Chartered Institute of Bankers (ACIB). - [Macloud Malonza, MBS, HSC](https://www.co-opbank.co.ke/_management-team/macloud-malonza-hsc/): He holds a Bachelor of Arts degree, a Masters in Organizational Change and Development, Master of Business administration, Post-graduate Diploma in Management and Information Systems, Certificate in Strategic Planning and Management and CPS 1. He has also attended Senior Management and Strategic Leadership Development Courses. - [Dr. Gideon Muriuki, CBS, MBS](https://www.co-opbank.co.ke/_management-team/dr-gideon-muriuki-cbs-mbs/): In 2018, he was awarded Best Banking CEO Kenya by International Finance and awarded Banking CEO of the Year by EMEA Finance – African Banking Awards in 2021. Awarded first Honorary Doctorate in Business Management in 2011 from Kabarak University for Business Leadership. In 2022, awarded a 2nd Honorary Doctorate from The Co-operative University of Kenya to recognize his contributions to Banking and the Co-operative sector and was conferred a 3rd Doctor of Humane Letters (Honoris Causa) - DLitt. of The Africa International University. - [Julius Sitienei](https://www.co-opbank.co.ke/_management-team/julius-sitienei/): He joined the Board of Directors in 2003. He is a businessman and an educationist with over 20 years’ experience in the teaching profession before he took leadership positions in the management of co-operative societies. He is the Vice Chairman of Co-opholdings Co-operative Society Limited and the Chairman of Kingdom Securities Limited. He holds a Bachelor Degree of Business Administration and in Human Resources Management. He is also a director in Kingdom Bank Ltd. - [Weda Welton](https://www.co-opbank.co.ke/_management-team/weda-welton/): She is currently an independent Human resources consultant / Private business. She is a former Director of Human Resources with the Bank and retired in the year 2014 after an exceptionally decorated career spanning over 20 years. She has over 35 years’ experience in Human Resource Management in banking and financial sectors. - [Benedict W. Simiyu](https://www.co-opbank.co.ke/_management-team/benedict-w-simiyu/): Joined the Board of Directors in 2014. He is an Educationist and holds a Diploma in Education Management. He has also attended various management courses. He is a nonexecutive Board member of Ng’arisha Sacco (Former Bungoma Teachers Sacco). He is a Director of Co-opholdings Co-operative Society Limited - [Richard L. Kimanthi](https://www.co-opbank.co.ke/_management-team/richard-l-kimanthi/): Joined the Board of Directors in 1994. He is a businessman and has served in various leadership positions in the Co-operative movement for a considerable period. He holds a Diploma in Co-operative Management. He is a Director of Co-opholdings Co-operative Society Limited. - [Wanyambura Mwambia](https://www.co-opbank.co.ke/_management-team/wanyambura-mwambia/) - [Musa Kathanje](https://www.co-opbank.co.ke/_management-team/musa-kathanje/) - [Margaret Karangatha (Mrs.)](https://www.co-opbank.co.ke/_management-team/margaret-karangatha-mrs/): She was appointed as a director of the Bank on 24th September 2019. She is the Executive Director of The Lead Consortium Ltd and has over the last 25 years been consulting in Kenya and many African countries. She is an Executive Coach and mentor, and a Facilitator/Organizational Development Consultant in disciplines such as Health Care Industry, Publishing, Engineering, Real Estate, Educational Institutions, and Floriculture among others. She has served in several boards including Board Chairperson of the Navigators Economic Transformation Facility and Regional Treasurer of Scripture Union Africa. - [Wilfred Ongoro, HSC](https://www.co-opbank.co.ke/_management-team/wilfred-ongoro-hsc/): Joined the Board of Directors in 2006. He is an educationist with over 20 years’ experience and has served the Co-operative movement in various positions. He is a Director of Co-opholdings Co-operative Society Limited. - [Godfrey K. Mburia](https://www.co-opbank.co.ke/_management-team/godfrey-k-mburia/): Joined the Board of directors in 2017, having served in the Subsidiaries Board since 2004. Has been a director of Golden Pillar Sacco Society (formerly Imenti Sacco Society) since 1985 and Chairman for the last 20 years. He is also the Chairman of Imenti Housing Co-operative Society from its formation in the year 2005. He is an Accountant by profession and served as Head of Finance, Meru Central Farmers Union. He is a Director of Co-opholdings Co-operative Society Limited and the Chairman of Kenya Co-operative Coffee Exporters (KCCE). - [Scholastica Odhiambo (Mrs.)](https://www.co-opbank.co.ke/_management-team/scholastica-odhiambo-mrs/): Joined the boards of Co-optrust Investment Services Ltd in 2005 and Co-op Consultancy and Bancassurance Intermediary Ltd in 2008. She served at the Ministry of Finance and the Kenya Revenue Authority as a Revenue Officer for over 32 years. She holds a Bachelor of Business Administration and a Diploma in Corporate Governance from the KCA University. - [David Muthigani Muriuki](https://www.co-opbank.co.ke/_management-team/david-muthigani-muriuki/): Joined the boards of the subsidiaries in May 2014. He is a businessman and a coffee farmer, with vast experience in farm management and coffee production. He is the Chairman of Kibirigwi Farmers Co-op Society. He is a Director of Co-opholdings Co-operative Society Limited. - [James N. Njiru](https://www.co-opbank.co.ke/_management-team/james-n-njiru/): Joined the Boards of the subsidiaries in May 2014. He is a businessman and an Educationist. He holds a Diploma in Business Management and has experience in Co-operative Movement. He is a Director of Co-opholdings Co-operative Society Limited. He is also a Director in CIC Insurance Group, Chairman Co-operative Insurance Society and Chairman of Nawiri Sacco. - [Francis Ngone](https://www.co-opbank.co.ke/_management-team/francis-ngone/): Appointed Director on 27th April 2018. He has extensive knowledge and experience in the Co-operative movement and is currently the Chairman of Muranga Farmers’ Co-operative Union, one of the largest co-operative unions in Kenya and the Chairman of Gatunyu Kigio Farmers Co-operative Society Limited. - [Geoffrey M’Nairobi](https://www.co-opbank.co.ke/_management-team/geoffrey-mnairobi/): Appointed Director on 27th April 2018. He has extensive knowledge and experience in the Co-operative movement and is currently the General Manager of Meru South Farmers’ Co-operative Union Limited, one of the largest co-operative unions in Kenya, with over 32 years’ experience. He is also a member of the Board of Management of Muthambi Girls High School and Chief Mbogori Girls High School. - [Mr. David. K. Obonyo](https://www.co-opbank.co.ke/_management-team/mr-david-k-obonyo/): Mr. David K. Obonyo is a career civil servant who joined the Board of Directors in year 2021. He is a holder of Master of Arts (Rural Economics and Co-operation) from Bundelkhand University, India, Bachelor of Arts in Sociology and Political Science from Agra University in India and a Diploma in Industrial Relations from Indian School of Labour Relations. He has also attended various local and international courses on strategic leadership, Co-operative, and SME Management. He is the current Commissioner for Co-operatives Development. - [Michael M. Muthigani](https://www.co-opbank.co.ke/_management-team/michael-m-muthigani/): Mr. Michael Muriithi was appointed a Director on 26th April 2019. He has extensive knowledge and experience in finance and accounting matters and has held various senior positions with Kenya Accountants and Secretaries National Examination Board (KASNEB) since 1994; notably Revenue Officer, Account Assistant, Accountant and is currently the Senior Accountant. He has also diligently served in the KASNEB Sacco in various capacities including as a Treasurer for 8 years. - [Mr. Simon Memia](https://www.co-opbank.co.ke/_management-team/mr-simon-memia/) - [Samuel M. Kibugi](https://www.co-opbank.co.ke/_management-team/samuel-m-kibugi/): Has over 21 years’ experience as a lawyer and prior to joining Co-op Bank in 2008, he worked for a leading bank as a Legal Counsel. He is an Advocate of the High Court of Kenya, a member of the Institute of Certified Public Secretaries ICPS (K) and an Associate Member of the Chartered Institute of Arbitrators. - [William Mayar Wol](https://www.co-opbank.co.ke/_management-team/william-mayar-wol/): He is a South Sudanese Citizen by birth and holds a Higher Diploma in Agriculture Economics from Agriculture College Sudan University of Science and Technology, a Bachelor of Science Degree from Agriculture Engineering College, University of Alexandria- Egypt. He has served in various capacities including acting Head Government Banking in Co-operative Bank of South Sudan, field officer Ministry of Agriculture in Sudan, development, and formation of Co-operatives in South Sudan’s various states among others. - [Elijah Wamalwa](https://www.co-opbank.co.ke/_management-team/elijah-wamalwa/): He has 22 years banking experience and is one of the pioneers of Co-operative Bank of South Sudan where he worked from 2013 as Head of Credit & Risk Management, in 2015 as Head of Retail and Operations before being appointed Managing Director in 2017. He has served in various other capacities at the Co-operative Bank of Kenya as a Portfolio Manager, Head of Credit Administration and later as Head of Credit-Core Banking Implementation Team. - [Caroline Karimi](https://www.co-opbank.co.ke/_management-team/caroline-karimi/): She joined the bank in 2012 and has overall group responsibility of Finance and strategy. Previously she oversaw financial reporting and information management of the business. She has a career spanning 20 years as Finance professional and has worked in key corporates including Unilever, Safaricom, and Toyota East Africa. She holds an MBA in strategic management, a Bachelor of Commerce degree from the University of Nairobi, Certified Public Accountant and certified public secretary. She is also a Certified productivity coach CEPC (ICF) and is graduate of Harvard Kennedy School leadership program. She is a member of the Institute of Certified Public Accountants of Kenya (ICPAK). - [Charles Washika](https://www.co-opbank.co.ke/_management-team/charles-washika/): He joined the bank in 2015 and brings extensive experience in providing leadership in ICT, Innovation, Project Management and Change management of mission critical Financial Systems. He is responsible for Cooperative Bank’s Strategic technological direction, championing the use of Information and communication Technology to meet the Bank’s Strategic objectives and providing strategic leadership to align investments in ICT with the Bank’s strategy. He has managed the Implementation of Core Banking systems around Africa and Asia including Uganda, South Africa, Cote d’Ivoire, Senegal, Zambia, Tanzania, Kenya, India and Sri Lanka. He Holds a Bachelor of Education Degree, is a member of the Project Management Institute and has attained various Technology Certifications. - [Samuel Birech](https://www.co-opbank.co.ke/_management-team/samuel-birech/): He joined the bank in 2002. He is a career banker with over 25 years of experience in local and international banks. He has previously held various senior positions including Chief Operating Officer and Director, Retail Banking for 8 years where he presided over the transformation of the Retail and SME business at the Bank and later drove the Bank’s Human Resource and Administration Division. Director Samuel Birech brings solid human resource Management expertise into the dynamic Retail and Business Banking Division where he is a proven expert. He holds a Bachelor of Commerce degree from the University of Nairobi and has attended various local and international courses. He is a Board Member at Pan Africa Christian University. - [James G. Njane](https://www.co-opbank.co.ke/_management-team/james-g-njane/): James G. Njane joined the Co-operative Bank of Kenya in 2019 and currently serves as the Acting Director, Human Resources & Administration. In this role, he oversees the Bank’s people agenda, fostering a high-performance culture, Sourcing and Facilities while driving cost optimization, Marketing, and Communications across the Group. - [Lydia Rono](https://www.co-opbank.co.ke/_management-team/lydia-rono/): Lydia’s journey in banking spans over 30 years, showcasing her ascent through various senior positions, underpinned by exceptional leadership and deep industry acumen. In her previous roles, she has been instrumental in spearheading growth initiatives that have contributed to the Group’s business performance . Her foundational education includes a Bachelor’s Degree in Commerce & Business Administration and an MBA from the University of Nairobi, enriched by an Executive program from the London Business School . She has also attended various other Management and Leadership courses. Lydia is renowned for her strategic foresight and is dedicated to mentoring emerging leaders and continuously driving operational excellence within our organization. - [Jacquelyne Waithaka](https://www.co-opbank.co.ke/_management-team/jacquelyne-waithaka/): A career Corporate Banker with over 18 years experience having worked with various commercial Banks. She joined the Bank in 2005 and was appointed Head Corporate Banking in 2015 to oversee the growth of the Bank’s Corporate portfolio. She was appointed Director, Corporate & Institutional Banking Division in Feb 2020 to drive business growth in this key segment of the Group. She holds a Bachelor of Laws degree and a Bachelor of Business Administration degree. She also holds a diploma in Banking; advanced diploma Credit Management by Omega of UK and Culhane of South Africa. She is a Certified Engagement and Productivity Coach CEPC (ICF) and has attended various courses including executive leadership at Strathmore Business School and Harvard Kennedy School Executive Education on adaptive leadership for Africa. - [Vincent Marangu](https://www.co-opbank.co.ke/_management-team/vincent-marangu/): He joined the bank in 2003 and has wide experience in business and financial advisory working with cooperatives and rural finance sectors as Head of Co-op Consultancy and Insurance Agency Ltd. Vincent has key competencies in corporate finance, strategic planning, business planning, organizational development and business operations review. He has consulted for co-operatives in Kenya and East Africa region and implemented many donor projects with international agencies. He holds a Bachelor’s Degree in Economics and Business Studies and is a graduate of the School of African Microfinance. He is a member of the Association of Professional Co-operators (APC), Kenya. - [Joel Kaba](https://www.co-opbank.co.ke/_management-team/joel-kaba/): Joel Kaba is the Director, Youth Financial Services at Co-operative Bank of Kenya, having joined in April 2026. He leads the strategy, growth, and innovation of youth-focused financial solutions. - [William Otieno](https://www.co-opbank.co.ke/_management-team/william-otieno/): He joined the Bank in September 2023. He is responsible for the Credit Management Division, mandated to drive strategic credit growth and credit risk management. He was the Head of Corporate Credit Analysis at the Bank prior to his appointment as Ag. Director Credit management Division in February 2025. - [Andrew Wanjau](https://www.co-opbank.co.ke/_management-team/andrew-wanjau/): He joined the Bank in 2011.He has extensive experience in Change Management ,Business Analysis ,Project Management and Enterprise -wide Transformation programs management . - [Samuel M. Kibugi](https://www.co-opbank.co.ke/_management-team/samuel-m-kibugi-1/): He has over 18 years of experience as a lawyer and prior to joining Co-op Bank in 2008, worked for a leading bank as a Legal Counsel. He is an Advocate of the High Court of Kenya, a member of the Institute of Certified Public Secretaries ICPS (K) and an Associate Member of the Chartered Institute of Arbitrators. As the Company Secretary of the Co-op Bank Group, he has responsibility for the overall provision of legal counsel and company secretarial services, fraud prevention and investigations. He is also the Trust Secretary for the Co-operative Bank Foundation, a corporate social responsibility vehicle of the Bank. - [Mutahe Karuoro](https://www.co-opbank.co.ke/_management-team/mutahe-karuoro/): Joined the bank in 2010 and has over 15 years of experience in Treasury management. She is responsible for the banks' Treasury management and growth objectives. Prior to her appointment, she was the Head of Trading for the bank. She previously worked for Stanbic Bank for five years. She has held various leadership positions in the industry during her career, including President of ACI Financial markets Association of Kenya for 5 years. She holds an MBA from Strathmore Business School and a bachelor’s degree in Economics from Moi University. She is a certified dealer and a member of the financial markets Association of Kenya (ACI Kenya). - [James Kaburu](https://www.co-opbank.co.ke/_management-team/james-kaburu/): He holds a Master's in Business Administration, Strategic Management and a Bachelor's degree in Science (Accounting), both from the United States International University (USIU). He also holds a Global Diploma in Engagement and Productivity Coaching from CDI-Africa Coaching Group Limited. Has a wealth of experience spanning over 20 years in Financial Management and Strategy in the Financial Services sector. In addition, he is a full member of Good Standing of the Institute of Certified Public Accountants of Kenya. - [Joseph Gatuni](https://www.co-opbank.co.ke/_management-team/joseph-gatuni/): He is responsible for the Internal Audit function that evaluates the effectiveness of risk management, control and governance processes of the bank, its subsidiaries and related companies. He is an experienced professional in internal/external audits, consultancy and risk management. He holds a bachelor of Commerce Degree, Certified Public Secretaries CPS (K),Certified Internal Auditor (CIA) and Certified public accountants CPA (K). He has also attended various audit and Risk management training both locally and internationally. He is member of the Institute of Public Accountants of Kenya (ICPAK) and the Institute of Internal Auditors. - [Peter Njuguna](https://www.co-opbank.co.ke/_management-team/peter-njuguna/): Dr. Peter joined the Co-operative Bank of Kenya in 2014. He has 25 years of experience in Information and Communication Technology. He is responsible for the Co-operative Bank’s strategic technology and championing the use of information and communication technology. He provides the strategic leadership that drives innovation across the bank and its subsidiaries. His impactful contributions to technology and digital transformation have kept Co-operative Bank at the cutting edge of the financial sector, setting new standards for operational agility and efficiency. He has extensive experience in system development and project management and has successfully delivered a wide range of systems around Africa, Middle East and Asia. Prior to joining the bank, he worked with various Fintech companies where he advanced his technical and project management skills. He holds a PhD in Business Administration (JKUAT), Master of Business Administration (JKUAT) and a BSc. Computer Science (Egerton). He has also attended various technical courses, holds several certifications and is a member of Kenya Institute of Management. - [Anthony Mburu](https://www.co-opbank.co.ke/_management-team/anthony-mburu/): He is a leading credit specialist in the banking industry with over 27 years of banking experience both in Kenya and the region. Most of these years were spent in the line of Credit and Risk Management as the Director of Credit Management division of Co-operative Bank of Kenya and previously with Standard Chartered Bank. He holds a Bachelor’s degree in Commerce and has attended various professional and international Credit courses. Appointed Managing Director and CEO of Kingdom Bank in August 2020. - [Nicholas Ithondeka](https://www.co-opbank.co.ke/_management-team/nicholas-ithondeka/): Nicholas Ithondeka is a seasoned investment professional with over 20 years of experience in fund management and investment advisory. Since 2016, he has led Co-optrust Investments Ltd, growing Assets Under Management from KES 28 billion to over KES 521+ billion. Nicholas is an Alma Mater of Yale Business School (USA) – Global CEO Class of 2022. - [Nicholas Kamonye](https://www.co-opbank.co.ke/_management-team/nicholas-kamonye/): He joined the Bank in 2005. At Co-op Bancassurance Intermediary Limited he gives leadership to the various capacity building initiatives targeting cooperative societies across the country. He has consulted for cooperatives on microfinance, financial modelling, strategic and business planning, business process improvements and human resource development. He holds a Bachelor of Commerce Degree in Finance, Diploma in Project Management, is a Certified Public Accountant (K) and a member of ICPAK. - [Samantha Kibuga](https://www.co-opbank.co.ke/_management-team/samantha-kibuga/): She is an experienced corporate leader with a deep understanding of Strategic Management and Stakeholder Engagement. She has over 15 years experience leading investment management firms in the capital markets and has previously held various roles within the industry, including Senior Portfolio Manager, Financial Planning, and Head of Business & Client Relations . She holds a Bachelor of Commerce degree and is a member of the Institute of Certified Investment and Financial Analysts (ICIFA). She is also a Certified Engagement and Productivity Coach CEPC (ICF). - [Henry Karanja](https://www.co-opbank.co.ke/_management-team/henry-karanja/): He is responsible for the AML/CFT compliance function for the bank, its subsidiaries and related companies. He is an experienced professional in Risk, compliance and Anti-money Laundering. He holds a bachelor degree in Business Management, Certified Public Accountants of Kenya CPA (K), Certified Information Systems Auditor (CISA), and Certified Public Secretary (CPS). He has attended various AML/CFT training both Locally and internationally. He is a member of the Institute of Public Accountants of Kenya (ICPAK). - [Patrick K. Githendu](https://www.co-opbank.co.ke/_management-team/patrick-k-githendu/): Joined the board in 2017 having served in the Board of Co-optrust Investment Services Ltd since 1998 and the Board of Co-op Consultancy & Insurance Agency Ltd since 2009. He is a businessman, with vast experience, particularly in the coffee industry. He is the Vice-Chairman of Co-opholdings Co-operative Society Limited and Director of Kingdom Securities Limited. He is a Director in Kenya Co-operative Coffee Exporters (KCCE). - [Hon. Ocum Genes Karlos](https://www.co-opbank.co.ke/_management-team/hon-ocum-genes-karlos/): He was appointed director of Co-op Bank of South Sudan on 8th November 2018. He is a South Sudan citizen and is currently Under Secretary for Planning in the Ministry of Finance & Economic Planning. He is a seasoned finance and planning technocrat with a decorated service on financial matters in South Sudan. - [Mr. Zachary K. Chianda](https://www.co-opbank.co.ke/_management-team/mr-zachary-k-chianda/): Mr. Zachary K. Chianda was appointed a Director of the Co-operative Bank of South Sudan on 15th March 2023. Mr. Chianda is a former Managing Director & CEO of Co-operative Bank of South Sudan and one of the longest serving members of Co-op Bank having had a celebrated & distinguished service in Co-op Bank and the Kenyan Co-operative Movement and retired in December 2017. He joined Co-op Bank in 1980 and over the years he rose through the ranks to become Director – Co-operatives Banking and Director – Operations, and finally the Managing Director & CEO of the Co-operative Bank of South Sudan. Mr. Chianda is self-driven and highly motivated individual; truly dedicated and commitment to the growth, vision and mission of the Bank. He was a key pillar of the incredible transformation journey the subsidiary has undertaken despite the difficult operating environment. Mr. Chianda is a Bachelor of Science degree from the University of Manchester Science & Technology and an Associated Chartered Institute of Bankers (ACIB) of United Kingdom. He also holds a Certificate in Bank Management from Odense Business School in Denmark. - [Anthony Majak](https://www.co-opbank.co.ke/_management-team/anthony-majak/): Honourable Malek Anthony Majak Achuoth has over 10 years experience working the Government of the Republic of South Sudan in different capacities under the Ministry of Finance and Planning, Diplomatic Mission in Nigeria and State Government under the Ministry of Physical Infrastructure as a Director of Planning. Honourable Malek Anthony Majak Achuoth is a holder of a Masters of Public Policy and a Bachelors of Statistics and Demography both from the University of Juba. He also holds a Post Graduate Degree in Economic Development from Uganda Christian University. He teaches Research Methodology and Applied Statistics in Catholic University and University of Juba. ## Money Transfer - [Receive MoneyGram on Co-op Bank App](https://www.co-opbank.co.ke/money-transfer/co-op-bank-app/) - [Al Muzaini](https://www.co-opbank.co.ke/money-transfer/al-muzaini/) - [Exchange 4free](https://www.co-opbank.co.ke/money-transfer/exchange-4free/) - [Ria Money](https://www.co-opbank.co.ke/money-transfer/ria-money/) - [TransFast](https://www.co-opbank.co.ke/money-transfer/transfast/) - [CoopRemit](https://www.co-opbank.co.ke/money-transfer/coopremit/) - [Swift Transfers](https://www.co-opbank.co.ke/money-transfer/swift-transfers/) - [MoneyGram](https://www.co-opbank.co.ke/money-transfer/money-gram/) - [Western Union](https://www.co-opbank.co.ke/money-transfer/western-union/) - [Poa Pay](https://www.co-opbank.co.ke/money-transfer/poa-pay/) - [Ace Money](https://www.co-opbank.co.ke/money-transfer/ace-money/) - [Taptap Send](https://www.co-opbank.co.ke/money-transfer/taptap-send/) - [Terrapay](https://www.co-opbank.co.ke/money-transfer/terrapay/) ## Partnerships - [Africa Cloud Space](https://www.co-opbank.co.ke/partnership/africa-cloud-space/): Africa Cloud Space provides affordable SaaS solutions that automate business, school, and organizational operations with pay-as-you-use access anytime, anywhere, on any device, offering a 10% discount on subscription fees. - [Silqu](https://www.co-opbank.co.ke/partnership/silqu/): SILQU, an award-winning property management solution for landlords in Africa, streamlines rent, tenants, maintenance, and reporting, offering a 10% discount on subscription fees. - [Kodi](https://www.co-opbank.co.ke/partnership/kodi/): KODI, a SaaS property management solution for landlords in Kenya and abroad, streamlines rent, tenants, maintenance, and reporting, offering 5% monthly, 10% quarterly, and 20% bi-annual subscription discounts. - [Jumuisha](https://www.co-opbank.co.ke/partnership/jumuisha/): JUMUISHA, an award-winning provider of Church management solutions, streamlines administration and fosters engagement with tools for records, events, and finances, offering 5% monthly, 10% quarterly, and 20% bi-annual subscription discounts. - [Jaff’s Optical](https://www.co-opbank.co.ke/partnership/jaffs-optical/): Jaff’s Optical House offers designer eyewear with 10% discount on all products. - [Pharmaplus](https://www.co-opbank.co.ke/partnership/pharmaplus/): Pharmaplus, with 93+ branches across Kenya, offers healthcare, beauty, and supplements. A 10% staff, 5% customer discounts. - [Urban Studio](https://www.co-opbank.co.ke/partnership/urban-studio/): Urban Studio captures city life with style, offering 20% weekday and 10% weekend discounts. - [Ropem Telcom](https://www.co-opbank.co.ke/partnership/ropem-telcom/): ROPEM Telcom, Safaricom partner since 2007, offers top smartphones and accessories with 5% discount. - [Aurora scents](https://www.co-opbank.co.ke/partnership/aurora-scents/): Aurora Scents delivers innovative perfumes with artistry and dedication, offering 7% discount on all products. - [Viutravel](https://www.co-opbank.co.ke/partnership/viutravel/): Viutravel, Kenya’s first local booking platform, showcases explored and hidden destinations with up to 10% discount. ## Ways to Bank - [Become a CO-OP Agent](https://www.co-opbank.co.ke/ways_to_bank/become-a-co-op-agent/) - [Become a Co-op Merchant](https://www.co-opbank.co.ke/ways_to_bank/become-a-co-op-merchant/) - [PayBill 400200](https://www.co-opbank.co.ke/ways_to_bank/paybill-400200/) - [Paybill 400222](https://www.co-opbank.co.ke/ways_to_bank/paybill-400222/) - [Mobile Banking Using Co-op Bank App](https://www.co-opbank.co.ke/ways_to_bank/mobile-banking-co-op-bank-app/) - [Agency Banking (Co-op Kwa Jirani)](https://www.co-opbank.co.ke/ways_to_bank/agency-banking-co-op-kwa-jirani/) - [New Internet Banking](https://www.co-opbank.co.ke/ways_to_bank/new-internet-banking/) - [ATM Machines](https://www.co-opbank.co.ke/ways_to_bank/atm-machines/) - [Cash Deposit Machine (CDM)](https://www.co-opbank.co.ke/ways_to_bank/cash-deposit-machine-cdm/) ## Treasury Products - [Foreign Currency Account](https://www.co-opbank.co.ke/treasury_products/foreign-currency-account/) - [Correspondent Banking](https://www.co-opbank.co.ke/treasury_products/correspondent-banking/) - [Swift Transfers](https://www.co-opbank.co.ke/treasury_products/swift-transfers-2/) - [Get Great Forex Exchange Rates in Kenya with Coop-Bank](https://www.co-opbank.co.ke/treasury_products/treasury-sales/) ## Corporate & Institutional Banking - [EMBASSIES](https://www.co-opbank.co.ke/corporate/embassies/): Co-operative Bank Group is committed to transforming lives and being a responsible corporate citizen. The Bank believes that sustainable development and sustainable profit growth are complementary to each other and create a positive impact on the economy, society, and the environment. Our shared prosperity model has ensured that we give special focus to non-for-profit sectors that support the underserved in the bottom of the pyramid through a sustainable approach that has been recognized in the financial industry. We have been at the forefront of driving financial inclusion and promoting sustainable development in our country and transforming lives. - [DONOR AGENCIES](https://www.co-opbank.co.ke/corporate/donor-agencies/): Co-operative Bank Group is committed to transforming lives and being a responsible corporate citizen. The Bank believes that sustainable development and sustainable profit growth are complementary to each other and create a positive impact on the economy, society, and the environment. Our shared prosperity model has ensured that we give special focus to non-for-profit sectors that support the underserved in the bottom of the pyramid through a sustainable approach that has been recognized in the financial industry. We have been at the forefront of driving financial inclusion and promoting sustainable development in our country and transforming lives. - [PROFESSIONAL BODIES](https://www.co-opbank.co.ke/corporate/professional-bodies/): We have a range of products tailored to suit the needs of all professional bodies. - [HEALTH SECTOR](https://www.co-opbank.co.ke/corporate/health-sector/): We offer a wide range of products tailored to the healthcare sector, including: - [RELIGIOUS SECTOR](https://www.co-opbank.co.ke/corporate/religious-sector/): Apart from collection and payment accounts, we understand that religious organisation has unique needs. - [NATIONAL GOVERNMENT MINISTRIES, DEPARTMENTS & STATE CORPORATIONS](https://www.co-opbank.co.ke/corporate/national-government-ministries-departments-state-corporations/): Our wide range of solutions for this sector include payroll solutions , cash management solutions and other customized solutions itemized hereafter. - [COUNTY GOVERNMENTS & COUNTY ENTITIES](https://www.co-opbank.co.ke/corporate/county-governments-and-county-entities/): We offer affordable collection solutions, payment solutions and various other financial management solutions for your County. - [PRIVATE SECTOR](https://www.co-opbank.co.ke/corporate/private-sector/): We are also able to provide investment services , leasing solutions and an array of payroll solutions for your business. - [PUBLIC SECTOR](https://www.co-opbank.co.ke/corporate/public-sector/) - [DIPLOMATIC MISSIONS](https://www.co-opbank.co.ke/corporate/diplomatic-missions/): Co-operative Bank Group is committed to transforming lives and being a responsible corporate citizen. The Bank believes that sustainable development and sustainable profit growth are complementary to each other and create a positive impact on the economy, society, and the environment. Our shared prosperity model has ensured that we give special focus to non-for-profit sectors that support the underserved in the bottom of the pyramid through a sustainable approach that has been recognized in the financial industry. We have been at the forefront of driving financial inclusion and promoting sustainable development in our country and transforming lives. - [NGO’s](https://www.co-opbank.co.ke/corporate/ngos/): Co-operative Bank Group is committed to transforming lives and being a responsible corporate citizen. The Bank believes that sustainable development and sustainable profit growth are complementary to each other and create a positive impact on the economy, society, and the environment. Our shared prosperity model has ensured that we give special focus to non-for-profit sectors that support the underserved in the bottom of the pyramid through a sustainable approach that has been recognized in the financial industry. We have been at the forefront of driving financial inclusion and promoting sustainable development in our country and transforming lives. - [EDUCATION, HEALTH & FINANCIAL SERVICES](https://www.co-opbank.co.ke/corporate/education-health-financial-services/): Some of these include, financing of school infrastructure, capital intensive medical equipment , vehicles and much more. - [ICT, INFRASTRUCTURE & CONSTRUCTION](https://www.co-opbank.co.ke/corporate/ict-infrastructure-construction/): Our projects include some of the largest Malls in East Africa, Housing projects and ICT projects. - [AGRI BUSINESS](https://www.co-opbank.co.ke/corporate/agri-business/): At Co-operative Bank we believe that agriculture is essential for Kenya's economic growth. That is why we provide various financing options that support farmers and other agriculture value chain players. The financing options include: - [CORPORATES](https://www.co-opbank.co.ke/corporate/corporates/) - [ENERGY & NATURAL RESOURCES](https://www.co-opbank.co.ke/corporate/energy-natural-resources/): Co-operative Bank through highly specialized Relationship Managers seeks to provide strategic insights, technical assessment and advisory solutions for the Energy & Natural Resources Sector in the areas of Oil & Gas, Renewable/Green Energy, Energy Generation , Water and Mining - [Safe Keeping Services](https://www.co-opbank.co.ke/corporate/16805/): We offer safe custody services to clients who wish to keep important documents and valuables in a secure environment at a minimal fee. - [Corporate Trustee Services](https://www.co-opbank.co.ke/corporate/corporate-trustee-services/): We carry out our trustee services by taking legal ownership of the assets in a collective investment scheme, assuming fiduciary responsibility in managing of the assets and the general execution of the purpose of the trust as laid out in the trust deed. - [Share Registry Services](https://www.co-opbank.co.ke/corporate/16799/): With our wealth of experience in delivering the share registry mandate, our partnership will be worthwhile for both of our companies as well as your shareholders. - [Custody Services](https://www.co-opbank.co.ke/corporate/custody-services/): Our team is comprised of competent individuals with a wealth of experience in the retirement & capital markets industry to walk hand in hand with you while safeguarding your financial assets. - [Government and Public Sector Banking](https://www.co-opbank.co.ke/corporate/government-and-public-sector-banking/): Our relationship with the public sector is hinged on our responsive value-adding solutions focused on supporting efficiency in delivery of the core mandates of the National and County Governments and their Entities. - [Institutional Banking](https://www.co-opbank.co.ke/corporate/institutional-banking/): Our Institutional Banking Department offers solutions for NGOs, diplomatic missions, public sector and Private sector firms. We help you grow your business through robust transactional platforms while at the same time facilitating investments. - [Corporate Banking](https://www.co-opbank.co.ke/corporate/corporate-banking/): We offer value-added tailor-made propositions to our chosen market segments with special emphasis on the key economic sectors through a highly effective network of service points, operational excellence, and distinctive customer experience. ## Executive Banking - [Loans](https://www.co-opbank.co.ke/executive-banking/loans/) - [Insurance Solutions](https://www.co-opbank.co.ke/executive-banking/insurance-solutions/) - [Wealth & Investment Management](https://www.co-opbank.co.ke/executive-banking/wealth-investment-management/) - [Executive Airport Lounge Access](https://www.co-opbank.co.ke/executive-banking/executive-airport-lounge-access/) - [Executive Banking Cards](https://www.co-opbank.co.ke/executive-banking/executive-banking-cards-2/) - [Executive & High Net Worth Banking](https://www.co-opbank.co.ke/executive-banking/executive-high-net-worth-banking/) - [Co-op Bank Captain’s Club](https://www.co-opbank.co.ke/executive-banking/co-op-bank-captains-club/) - [Executive Banking Cards](https://www.co-opbank.co.ke/executive-banking/executive-banking-cards/) - [Partnerships and Discounts](https://www.co-opbank.co.ke/executive-banking/partnerships/) ## Coop Trusts - [Private Wealth Management](https://www.co-opbank.co.ke/coop-trust/private-wealth-management/) - [Co-op Unit Trust](https://www.co-opbank.co.ke/coop-trust/co-op-unit-trust/) - [Pension Management](https://www.co-opbank.co.ke/coop-trust/pension-management/) - [Property Management](https://www.co-opbank.co.ke/coop-trust/property-management/) - [Investment Advisory](https://www.co-opbank.co.ke/coop-trust/investment-advisory/) - [Trust Funds](https://www.co-opbank.co.ke/coop-trust/trust-funds/) ## Awards - [Infosys Finacle Innovation Awards](https://www.co-opbank.co.ke/award/infosys-finacle-innovation-awards-2/) - [Infosys Finacle Innovation Awards](https://www.co-opbank.co.ke/award/infosys-finacle-innovation-awards/) - [PesaLink Bank Awards](https://www.co-opbank.co.ke/award/pesalink-bank-awards/) - [Visa Client and Partner Awards](https://www.co-opbank.co.ke/award/visa-client-and-partner-awards/) - [FiRe Awards](https://www.co-opbank.co.ke/award/fire-awards-4/) - [Energy Management Awards](https://www.co-opbank.co.ke/award/energy-management-awards-2/) - [Global MSME Finance Awards](https://www.co-opbank.co.ke/award/global-msme-finance-awards/) - [Euromoney Awards for Excellence 2026](https://www.co-opbank.co.ke/award/euromoney-awards-for-excellence-2026-2/) - [Euromoney Awards for Excellence 2026](https://www.co-opbank.co.ke/award/euromoney-awards-for-excellence-2026/) - [CFI (Capital Finance International)](https://www.co-opbank.co.ke/award/cfi-capital-finance-international/) - [Financial Times / Statista](https://www.co-opbank.co.ke/award/financial-times-statista/) - [African Banker Awards 2026](https://www.co-opbank.co.ke/award/african-banker-awards-2026/) - [International Banker 2026 Africa & North Africa Banking Awards](https://www.co-opbank.co.ke/award/international-banker-2026-africa-north-africa-banking-awards/) - [Global Finance Best Bank Awards 2026](https://www.co-opbank.co.ke/award/global-finance-best-bank-awards-2026/) - [CIO 100 Awards](https://www.co-opbank.co.ke/award/cio-100-awards-2023/) - [EMEA Finance- African Banking Awards](https://www.co-opbank.co.ke/award/emea-finance-african-banking-awards-2023-3/) - [EMEA Finance- African Banking Awards](https://www.co-opbank.co.ke/award/emea-finance-african-banking-awards-2023-2/) - [EMEA Finance- African Banking Awards](https://www.co-opbank.co.ke/award/emea-finance-african-banking-awards-2023/) - [EMEA Finance- African Banking Awards](https://www.co-opbank.co.ke/award/354443/) - [The Middle East And Africa Awards](https://www.co-opbank.co.ke/award/354442/) - [SME Financier of the Year Africa – Gold](https://www.co-opbank.co.ke/award/sme-financier-of-the-year-africa-gold/) - [Best Bank in Customer Satisfaction](https://www.co-opbank.co.ke/award/best-bank-in-customer-satisfaction/) - [3rd runners up – Best in Sustainable finance](https://www.co-opbank.co.ke/award/3rd-runners-up-best-in-sustainable-finance/) - [2nd runners up – Best in Financing MSMEs](https://www.co-opbank.co.ke/award/2nd-runners-up-best-in-financing-msmes/) - [Best in Promoting PWD (People with Disability)](https://www.co-opbank.co.ke/award/best-in-promoting-pwd-people-with-disability/) - [Best in Promoting Gender Inclusivity](https://www.co-opbank.co.ke/award/best-in-promoting-gender-inclusivity/) - [Best in financing Commercial Clients](https://www.co-opbank.co.ke/award/sustainability-awards-6/) - [Most innovative Bank](https://www.co-opbank.co.ke/award/sustainability-awards-5/) - [Best Women and Youth empowerment Programs](https://www.co-opbank.co.ke/award/csr-100-awards-2/) - [2nd runner up Most innovative bank](https://www.co-opbank.co.ke/award/2nd-runner-up-most-innovative-bank/) - [2nd runner up Client Case Study – Commercial](https://www.co-opbank.co.ke/award/2nd-runner-up-client-case-study-commercial/) - [1st runner up Financing the informal sector](https://www.co-opbank.co.ke/award/1st-runner-up-financing-the-informal-sector/) - [1st runner up Bank Case Study – Bank Operations](https://www.co-opbank.co.ke/award/1st-runner-up-bank-case-study-bank-operations/) - [1st runner up Best in Sustainable Finance](https://www.co-opbank.co.ke/award/1st-runner-up-best-in-sustainable-finance/) - [Financing SMEs](https://www.co-opbank.co.ke/award/financing-smes/) - [Fire Awards](https://www.co-opbank.co.ke/award/fire-awards-3/) - [Financial Reporting (FiRe) Awards](https://www.co-opbank.co.ke/award/financial-reporting-fire-awards/) - [Financial Times of London](https://www.co-opbank.co.ke/award/financial-times-of-london/) - [FIRE Awards](https://www.co-opbank.co.ke/award/fire-awards-2/) - [Bankers Awards](https://www.co-opbank.co.ke/award/bankers-awards/) - [Energy Management Awards](https://www.co-opbank.co.ke/award/energy-management-awards/) - [World Finance Banking Awards](https://www.co-opbank.co.ke/award/world-finance-banking-awards/) - [International Banker](https://www.co-opbank.co.ke/award/international-banker/) - [East African Banking Awards](https://www.co-opbank.co.ke/award/east-african-banking-awards-2/) - [East African Banking Awards](https://www.co-opbank.co.ke/award/east-african-banking-awards/) - [Best Receiving Agent](https://www.co-opbank.co.ke/award/best-receiving-agent/) - [Visa Co-brand award](https://www.co-opbank.co.ke/award/visa-co-brand-award/) - [Msme Case Study (Varomatech Enterprises)](https://www.co-opbank.co.ke/award/msme-case-study-varomatech-enterprises/) - [Commercial Client Case Study (Strathmore University Solar Energy Project)Commercial Client Case Study (Strathmore University Solar Energy Project)](https://www.co-opbank.co.ke/award/commercial-client-case-study-strathmore-university-solar-energy-projectcommercial-client-case-study-strathmore-university-solar-energy-project/) - [Best Practice in Sustainable Finance](https://www.co-opbank.co.ke/award/best-practice-in-sustainable-finance/) ## Credit cards - [Secured Credit Card](https://www.co-opbank.co.ke/credit_cards/secured-credit-card/) - [Platinum Credit Card](https://www.co-opbank.co.ke/credit_cards/platinum-credit-card/) - [Gold Credit Card](https://www.co-opbank.co.ke/credit_cards/gold-credit-card/) - [Classic Credit Card](https://www.co-opbank.co.ke/credit_cards/classic/) ## All Terms & Conditions - [Crossboarder T&Cs](https://www.co-opbank.co.ke/all_terms_conditions/crossboarder-tcs/): The following terms and conditions apply to the Co-operative Bank and Visa Consumer Cross-border Acceleration Campaign from 13th July 2026 to 12th September 2026. By participating in the campaign, you will be deemed to have read, understood and accepted to be bound by these terms and conditions. - [E-credit T&cs – Agent Nomination-company](https://www.co-opbank.co.ke/all_terms_conditions/e-credit-tcs-agent-nomination-company/): Guarantee & Indemnity - [E-credit T&cs – Agent Nomination-individual](https://www.co-opbank.co.ke/all_terms_conditions/e-credit-terms-and-conditions/): Guarantee & Indemnity - [International Money Transfer Terms And Conditions](https://www.co-opbank.co.ke/all_terms_conditions/mto-terms-and-conditions/): I/We confirm having understood that my/our personal information provided in this application form shall be processed in accordance with the provisions of the Data Protection Act, 2019, and where applicable, the General Data Protection Regulation (EU) 2016/679 or any other relevant laws as may be amended from time to time. - [Co-op Kwa Jirani Terms and Conditions](https://www.co-opbank.co.ke/all_terms_conditions/co-op-kwa-jirani-terms-and-condition/): Subject to any other Agreement between the Bank and the Borrower, these Terms and Conditions, together with the Bank’s General Terms and Conditions, govern the relationship between the parties in respect of E-credit Loan Facilities. By accepting them, the Borrower agrees to be legally bound by their provisions, which take effect from the date of publication and may be amended by the Bank from time to time. - [Lending/Kesonia-K Terms And Conditions](https://www.co-opbank.co.ke/all_terms_conditions/lending-kesonia-l-terms-and-conditions/): The terms and conditions set out herein (the “Conditions”) shall, in addition to the terms and conditions set out in the Letter, apply to all facilities granted by the Bank on terms which expressly incorporate the Conditions or any of them. - [Pre-paid Cards Terms and Conditions](https://www.co-opbank.co.ke/all_terms_conditions/pre-paid-cards-terms-and-conditions/): Click Here to Download the Pre-paid Cards Terms and Conditions. - [Kamilisha Transaction Loan Terms And Conditions](https://www.co-opbank.co.ke/all_terms_conditions/kamilisha-transaction-loan-terms-and-conditions/): Subject to any other Agreement between the Bank and the Customer, these Terms and Conditions, together with the Bank's General Terms and Conditions, govern the relationship between the parties in respect of Kamilisha, an overdraft facility that allows eligible customers to complete transactions instantly, even when their account balance is low, by providing instant access to credit. By opting-in to the service, the Customer agrees to be legally bound by their provisions, which take effect from the date of publication and may be amended by the Bank from time to time. - [SaccoLink And Sacco Mco-opCash Campaign Terms & Conditions](https://www.co-opbank.co.ke/all_terms_conditions/saccolink-and-sacco-mco-opcash-campaign-terms-conditions/): The following terms and conditions apply to the December 2025 Saccolink Card and Sacco MCo-opCash campaign involving selected SACCOs that bank with Co-operative Bank of Kenya. By participating in the campaign, you will be deemed to have read, understood and accepted these terms and conditions. - [Digital Stock Finance Terms And Conditions](https://www.co-opbank.co.ke/all_terms_conditions/digital-stock-finance-terms-and-conditions/): "The Bank" means The Co-operative Bank of Kenya Limited, a bank incorporated under the laws of Kenya whose registered offices are at Co-operative Bank House, Haile Selassie Avenue and of PO Box 48231-00100 Nairobi. - [Loan General Terms and Conditions](https://www.co-opbank.co.ke/all_terms_conditions/loan-general-terms-and-conditions/): The terms and conditions set out herein (the "Conditions") shall, in addition to the terms and conditions set out in the Letter, apply to all facilities granted by the Bank on terms which expressly incorporate the Conditions or any of them. - [Mcollection/CopTill T&Cs](https://www.co-opbank.co.ke/all_terms_conditions/mcollection-coptill-tcs/): TERMS AND CONDITIONS OF MCOLLECTION/CO-OPTILL These Terms and Conditions shall be read together with the Application annexed hereto and shall form part of the contract between the parties hereto. These Terms and Conditions shall be read together with other regulations that govern the Bank as may be varied from time to time. The Applicant shall provide the Bank with a data base being beneficiaries’ reference, names, institution code and Co-opTill Number. The unique code shall be provided by the Bank to the Applicant. The Customer can provide the Bank with an alternative mobile number where the Bank will SMS alerts of payments done to the Co-opTill. The Bank bears no responsibility in case of any claims that may arise due to notification alerts sent to the alternative number provided by the Applicant. The accuracy and validity of the data shall be the responsibility of the Applicant. The Applicant shall fully indemnify and hold blameless the Bank against all losses, liabilities and action that the Bank may incur upon its reliance on the data as provided by the Applicant. The Bank shall strive to remit the money collected on account of the Applicant on a real time basis upon the money being collected by the Bank. The Bank shall, however, not be responsible for remitting the funds within the stipulated two hours if: The network system for mobile banking is down The platform is down The core banking system is down Any other external factors beyond the Bank’s control The amount received by the Applicant shall be the same amount sent and the Bank shall not impose any further transactional charges upon the sender. No failure or delay by the Bank or the Applicant in exercising any claim, remedy, right, power or privilege under this Agreement shall operate as a waiver nor shall any single or partial exercise of any claim, remedy, right, power of privilege preclude any further exercise thereof or the exercise of any other claim, right or power. Save in regard to matters which require to be fulfilled and are in fact fulfilled, this Agreement shall continue to be in full force and effect. Any remedy or right conferred upon the Bank or the Applicant for breach of this agreement including the right of rescission shall be in addition to and without prejudice to all other rights and remedies available to them. The parties hereto agree and covenant that any dispute that may arise out of this agreement shall be negotiated in good faith with the aim of resolving the matter. If the negotiation shall fail, the parties agree to subject the dispute to reconciliation before a single conciliator to be appointed by both parties. In the event that the reconciliation does not bear any fruit, the parties shall refer the matter to a single arbiter to be appointed by the parties, or failure thereto, by the sitting chairperson of the Chartered Institute of Arbitrators – Kenya Chapter. The data provided by the Applicant shall be shared on different platforms for purposes of facilitating collection payments and confirmations thereof. I/We confirm having understood that my/our personal information provided in this application form shall be processed in accordance with the provisions of the Data Protection Act, 2019, and where applicable the General Data Protection Regulation (EU) 2016/679 or all other applicable laws as may be amended from time to time. Dormancy. The applicant shall apply for the paybill till with sole purpose of collecting business payments via it and undertakes to use it for such to ensure the till is not inactive. The Bank shall from time to time send communications to the merchant via the registered options of SMS /EMAIL advising of any inactivity of up to 180 days spread on a 30-day interval. On the expiry of the 180 consecutive days of inactivity the Bank will proceed to automatically close the till without any further communication to Merchant. The till will only be re-opened upon after a written request to re-open by the merchant. Reversals due to erroneous payments: The Bank shall make every effort to contact the Merchant using the contact details provided by the Merchant, including but not limited to email, SMS, and phone calls. If the Merchant is unreachable within seven (7) days after receiving a reversal claim, the Bank shall reverse the disputed amount by debiting the Merchant’s account without further delay or liability. If the Merchant is reachable but fails to provide substantive evidence or explanation within seven (7) days of receiving the complaint, the Bank shall proceed to reverse the disputed amount by debiting the Merchant’s account without further delay or liability. The merchant hereby authorizes the Bank to debit his/her account in accordance with the terms set forth in clause 14 above and agrees to indemnify the Bank for any loss occasioned to the merchant by such reversal and debit. - [Multicurrency pre-paid card T&Cs](https://www.co-opbank.co.ke/all_terms_conditions/multicurrency-pre-paid-card-tcs/): Click Here to Download the Multicurrency Pre-paid Card Terms and Conditions - [Data Privacy Statement](https://www.co-opbank.co.ke/all_terms_conditions/data-privacy-statement/): The people whose personal data we process include: - [Digital Lending Terms & Conditions](https://www.co-opbank.co.ke/all_terms_conditions/digital-lending-terms-conditions/): Subject to any other Agreement between the Bank and the Borrower, these Terms and Conditions, together with the Bank's General Terms and Conditions, govern the relationship between the parties in respect of E-credit Loan Facilities. By accepting them, the Borrower agrees to be legally bound by their provisions, which take effect from the date of publication and may be amended by the Bank from time to time. - [Credit Card General T&C](https://www.co-opbank.co.ke/all_terms_conditions/credit-card-general-tc/): TERMS & CONDITIONS FOR THE USE OF CO-OPERATIVE BANK OF KENYA CREDIT CARD(S) - [Co-op Bank App T&C](https://www.co-opbank.co.ke/all_terms_conditions/mco-op-cash-tc/): TERMS AND CONDITIONS FOR CO-OPERATIVE BANK ONLINE BANKING SOLUTION - [YEA Privacy Policy](https://www.co-opbank.co.ke/all_terms_conditions/yea-privacy-policy/): This privacy policy outlines how the YEA APP, developed by The Co-operative Bank of Kenya Ltd (hereinafter “the Bank”, “We", "Us" or "Our" in this policy), processes your personal data. Our commitment to respecting your privacy and safeguarding your personal data remains a top priority. - [Privacy Statement](https://www.co-opbank.co.ke/all_terms_conditions/privacy-statement/): This statement provides information on how The Co-operative Bank of Kenya Ltd (hereinafter “the Bank” approaches processing your personal data. Our focus and commitment to respecting your privacy and safeguarding your personal data remain stronger than ever. - [Online banking solution T&C](https://www.co-opbank.co.ke/all_terms_conditions/online-banking-solution-tc/): The Service is available to both customers who hold an Account with the bank in any of its subsidiaries and also non-account holders who will be able to get payment services from the platform. The Service uses a high level of encryption and the use of such encryption may be illegal in some countries outside of Kenya. If you use the Service outside Kenya, You are responsible for ensuring that your use of the Service is permitted by local laws and we shall not be liable for any inconvenience loss or damage suffered by you as a result of You not being able to use the Service in these countries. - [Co-operative Banking Account General Terms and Conditions](https://www.co-opbank.co.ke/all_terms_conditions/co-operative-banking-account-general-terms-and-conditions/): The relationship between the Bank and the Customer is governed by the following general terms and conditions and subject to any further agreement in writing except where the said terms and conditions are in conflict with the Laws of Kenya in which case the Laws of Kenya will take precedence. Specific terms shall apply to specific accounts and products or service and are available to the Customer upon request. ## Media Center - [New Data Protection Act Webinar](https://www.co-opbank.co.ke/media-center-pt/new-data-protection-act-webinar/): Data Protection Webinar for Sacco's - [New Co-opPay Card](https://www.co-opbank.co.ke/media-center-pt/new-co-oppay-card/): Introducing Co-opPay. The prepaid card that puts safety, convenience and control in your child’s pocket money