Open a Co-op Bank salary account today & grow yourself bila kiulizo.

The Co-op salary account – invest using ready benefits like loans, investment opportunities and insurance.

The Co-op salary account from Co-op Bank gives you an opportunity to get up to:

– Ksh. 8 million personal loan repayable in 96 months*

– Ksh. 500,000 mobile loan repayable in 1 month, 2 months or 3 months*

*If you already have an account, apply today!

Note: Personal accident insurance cover is also available for the newly recruited employees in government parastatals.

Interested? Fill out this form and we’ll reach out to you!

Open a Co-op Bank Salary Account and Enjoy

  • A secure way to earn your salary or regular income
  • Opening the account is free 
  • No monthly maintenance charges
  • A debit card will be issued to ease access of cash
Requirements to open the account:
  • Adult person earning salary or regular income
  • Original ID and copy
Account Benefits:
  • Access to unsecured personal loans of up to Kes.8M
  • Access to one-year salary advance of up to 4 times net monthly salary
  • Access to mobile loans after salary credit
  • Minimum operating balance is zero
  • Zero account maintenance charges
  • Flexible salary processing fee
  • Prompt salary processing

Explore our Loans

Mobile Loan

Access loans of between Kshs 1,000 to a maximum of Kshs 500,000 with no security required. Repayment within 1 month , 2 months or 3 months

  • Access to mobile loan of up to 30% of net salary with first salary credit (payable in 1 month)
  • Access to mobile loan of up to 60% of net salary with second salary credit (payable in 2 months)
  • Access to mobile loan of up to 150% of net salary with third salary credit (payable in 3 months)
  • Access to mobile loan of up to 200% if first mobile loan paid satisfactorily (payable in 3 months)
  • One can apply for a top up mobile loan after first repayment
  • Employed individuals or individuals with regular income and operate a Co-op Bank salary account

Co-op Personal Loan

Get a personal loan from Ksh.50,000 to Ksh.8,000,000 within 48 hours with a maximum term of 84 months.
  • Flexible repayment terms of up to 84 months 
  • Refinancing other banks and Sacco loans is possible
  • Access to top-up facilities for the existing loans.
  • No sighting of salary before loan draw down, just attach change of pay point
  • Unsecured higher loan limits of up to Kes.8M.
  • Loan processed within 48 hours
  • Dedicated Relationship Manager.
  • Adult person earning a salary or regular income
  • Original ID and copy

Low Interest Mortgage in Partnership with KMRC

Co-op Bank has launched a low-interest Goodhome mortgage in support of the affordable housing agenda. The mortgage will be offered at 9.9% on reducing balance.

  • We will fund applicants up to 90% of the property price or value – to either purchase a ready built house or buy a plot and build a house on it.
  • One can borrow from 500,000 up to Kes. 6 Million.
  • Maximum repayment period is 15 years for employed applicants and 10 years for self-employed applicants.
  • All you need is to bank with us for at least 6 months and have your salary or business income flowing through us.
  • Adult person earning a salary or regular income.
  • Original ID and Copy of KRA pin.
  • A gross household income of Kes 150,000 and below.

How to Apply for a Personal Loan

Choose easy and convenient banking that gives you more! Jijenge bila kiulizo!
Need more help?
Contact us on:
Call Center Numbers: 020-2776000, 0703027000
Email: customerservice@co-opbank.co.ke
Whatsapp: 0736690101