Getting Started

How do I download the app?

Download from the App Store or Google Play search Choice Bank.

How do I register?

Open the app > tap "Create Account" > follow prompts. You'll need your ID/passport, KRA pin, and personal details.

How long does account approval take?

Same-day approval after submission.

Account Management

Can I add another currency account?

Yes tap "Add Current Account" in the app.

How do I update my personal info?

Contact customer support for changes.

How do I view a short version of my account number?

Tap the eye icon, enter your PIN, and your short code will be shown.

Deposits & Transfers

How do I deposit from M-Pesa?

Tap Deposit > From my M-Pesa, enter amount, and confirm. You’ll get an STK push to enter your PIN.

What's your Paybill number?

444174

Max Transfers to M-Pesa?

• Per transaction: KES 250,000
• Daily limit: KES 1,000,000
• M-Pesa wallet max: KES 500,000

Max transfer to Till/Paybill?

KES 999, 999

What is pesalink?

Real-time bank-to-bank transfers within Kenya (limit: KES 999,999)

Transfer types supported

• To M-Pesa
• To Till/Paybill
• Internal Transfers
• RTGS/EFT
• PesaLink?
• Cross-border
• Airtime purchase
• Currency exchange

Transactions & FX

How fast are transactions?

Most are instant; RTGS and cross-border may take a few business days.

Can I do cross-border transfers?

Yes – tap Transfer > Cross-Border and follow instructions.

How do I exchange currencies?

Tap Transfer > Currency Exchange, select currencies, confirm rate and complete.

Are exchange rates real-time?

Yes – rates update live and may vary.

What are the charges?

• Internal transfers: Free
• Others: Discounted, below market rates

App Features

What can I do in the app?

• Check balance
• Transfer money (local & cross-border)
• Open fixed deposit accounts
• Access real-time FX
• View transaction history
• Top up your account

Unique features

• Multi-currency accounts
• Real-time FX conversion
• High-interest fixed deposits (up to 15%)