Banking that fits your life
Choice Bank is built for real people and real businesses. Fast loans, smart accounts, international transfers, and full banking infrastructure, all under one trusted roof.
Rated 4.5 stars by over 5,000 users on the App Store & Google Play
Borrowing
Financing that fits your lifestyle
Logbook Loans
Use your vehicle as security and access up to KES 6M and keep driving while we fund your goals.
KES 6M
Max Amount
1.5%
From P.M
36 MO
Max Term
Vehicles & Asset Finance
Start driving a new or used car today and pay over flexible terms up to 36 months.
New & Used
Vehicles
FAST
Approval
36 MO
Max Term
Digital Banking
Experience the future of embedded finance
API Banking
Connect your ERP, lending app, or e-commerce platform directly to Choice Bank’s core banking. Payments, accounts, lending, and FX — via one secure API layer.
POST /v1/payments/initiate { "channel": "MPESA", "amount": 25000, "currency": "KES", "reference": "PO-2026-081" } // { "status": "SUCCESS", "txnId": "TXN-88291" }
- Mobile Money (MPESA, Airtel Money)
- Account opening & KYC APIs
- Lending origination & disbursement
- Sandbox environment · 99.9% uptime SLA
Banking-as-a-Service
Launch a fully branded bank — accounts, loans, cards, savings — without a CBK licence. Your brand. Your customers. Our regulated infrastructure underneath.
Fully white-label
Your brand
FAST
Approval
36 MO
Max Term
- White-label accounts, lending & savings
- Card issuing — virtual & physical
- FX & multicurrency wallets
- No CBK licence required by your business
Everyday Banking
All the banking you need, in one place
From accounts, deposits, FX, and transfers, the complete banking suite for individuals, diaspora Kenyans, and businesses.
Bank your way, every day.
A current or savings account for everyday Kenyans with M-Pesa integration, mobile banking, and direct access to loans and financial products. Open online in minutes, no branch visit required.
Bank in Kenya from anywhere.
Banking for Kenyans living abroad. Send money home, earn interest on KES deposits, access Kenyan investments, and manage your finances across multiple currencies all without setting foot in a branch.
Banking built for business.
Current accounts, overdraft facilities, and relationship banking for SMEs, corporates, SACCOs, and NGOs. Bulk payments, payroll processing, and a dedicated relationship manager who knows your business.
Earn guaranteed returns on savings.
Competitive fixed interest on savings over a fixed term in KES or foreign currencies. Tenors from 1 to 12 months, with the option to use deposits as loan collateral. Your money grows, risk-free.
Receive payments in any currency.
Exchange currencies at real-time market-linked rates with no hidden margins. Hold, send, and receive in KES, USD, GBP, EUR, UGX, TZS, and RWF. Built-in SWIFT, RTGS, and M-Pesa rails for seamless settlement.
Move money anywhere around the world
Send money locally or internationally via SWIFT, RTGS, EFT, or M-Pesa. Whether you’re paying freelancers, importers, or family abroad, your card automatically matches the right currency for every transaction.
Why Choice Bank
Built on trust. Designed for you
We combine the credibility of CBK regulation with the speed and personalisation of a bank that truly knows its customers.
News and Insights
Leading the Financial Conversation
3 Tips for Healthy Asset Financing
Asset financing should do more than just help you acquire equipment. It should pay for itself through increased efficiency. At Choice Bank, we recommend focusing on Cash Flow Alignment, ensuring
Streamlining the Kenya-China Trade Corridor
For Kenyan importers and traders, the volatility of traditional currency routes can erode profit margins overnight. Our CNY Foreign Currency Accounts and FXaaS platform are designed to eliminate the “middle-man”
Why Regulated Infrastructure is the Next Frontier for Fintech Start-ups
The days of fintechs building every banking layer from scratch are fading. As the industry matures, the focus has shifted to speed-to-market and regulatory resilience. At Choice Bank, we provide
