Internet Banking

Co-op Net is Co-operative Bank’s Internet Banking Service, which enables individual customers, business owners, corporate companies, and institutions (e.g. schools, government institutions) to do various transactions and monitor their bank accounts through the internet.

Any device that can connect to the internet can be used to access Co-op Net e.g. mobile phones, tablets, laptops, desk top computers, smart TV, game console and any other Internet Connected device.

For businesses, corporate companies, and institutions the service is available for Co-op Bank customers with business accounts, as well as non-Co-op Bank customers but for bulk payments only. However Co-op Bank customers can also register for bulk payments only.

With Co-op Net you can:
  • View, download, or print account statements for all your Co-op Accounts 
  • Start, stop or amend standing orders – real time
  • Transfer cash to another Co-op account - real time (up to 500,000)
  • Transfer cash to another local bank -  in 1 working day (up to 500,000)
  • Transfer cash to foreign account in foreign currency
  • Pay utility bills e.g. KPLC, DSTV, NAIROBI WATER
  • Make bulk payments (pay many people at the same time) e.g. salaries, dividends, loan disbursements, 
  • bonuses, supplier payments.
  • Order cheque books, stop cheques

How secure is Co-op Net? 

The Bank uses security provided by robust authentication software and enterprise firewalls along with full 256bit Secure Socket Layer (SSL) encryption.
In addition:
  • Every time you want to log in, you will be required to enter two passwords: the one you received at registration, and another one you will receive on SMS or generate using a ‘token’ at the point of logging in. The one you receive on SMS or generate using the ‘token’ is a one-time password that cannot be changed or repeated again.
  • The system will log you out if you leave your internet browser idle for a while. This offers some level of safety for customers who access their account at a cyber cafés and other public internet access points.

How to Register for Co-op Net:

Visit your nearest Co-op Bank branch and provide the following:

Existing Co-op Bank Customers: 
  • Completed application form
  • Completed token collection form

Non-Co-op Customers (businesses, corporate companies, instititions):
  • Completed application form
  • Completed token collection form
  • Certificate of Incorporation
  • Memorandum & Articles of Association
  • National ID/Passport copies of the company’s directors 
  • Once the application has been approved, the User ID and Password are automatically generated by the Co-op Net system and sent to your email address. If you prefer to be generating the second password using a token, you will collect it once your application has been approved, at a small fee.
Can a customer use Co-op Net if they live outside Kenya? 

Yes. Being an internet based system, you can access Co-op Net anywhere, as long as you have internet access. 

What are the charges for using Co-op Net? 

Monthly fee:
  • Corporate customers - Kes.1,000 
  • SME customers – Kes.500
  • Individual customers – Kes. 100
Viewing, downloading, or printing account statements: Free of Charge
Other transactions: vary depending on the type of transaction and transaction amount. For details, please visit

For business and corporate customers, how many users can be allowed to transact on an account? 

The customer can have as many users as possible access the accounts, as long as they have their own User ID and password. 

How to request for a password reset:

Write an email to requesting for a password reset, indicating your username, and the organisation (for business and corporate customers)

Can a customer withdraw from the service? 

Yes, you can withdraw from the service. All you need to do is give a letter to the bank with instructions requesting us to terminate the service. For a business or corporate customer, all the signatories will need to sign the letter.


Token Request Collections Form