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Diaspora Products

Home never leaves you, even when you leave it. Whether you left the country years ago and settled in the diaspora, are abroad and send money back home, or you’re planning to retire back home and are looking for sound investment advice, look Diaspora with NCBA Bank. We have tailor-made products that suit your unique banking needs because we know what it’s like to be away from home.

We know you’ve got big dreams to grow your business so don’t just sit back. NCBA Bank assists clients to acquire new and used movable assets at competitive interest and term rates.

Asset Finance Application

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Being away from home doesn’t mean you can’t develop yourself further. Leverage on your personal assets such as car, home or personal savings to secure a loan at very competitive interest rates. We have carefully crafted solutions that are suitable to meet your personal as well as business development needs at very competitive lending rates and an early repayment option at no cost.

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Designed to provide you with everyday services no different from if you were home. Open your account and stay in control from anywhere in the world through Online Banking as you earn interest and bonuses on your money.
  • Zero minimum operating balance
  • Zero opening balance.
  • Zero monthly fees.
  • Available in Kenya Shillings and all major foreign currencies.
  • Transfer funds through M-Pesa to anywhere in Kenya and make wire transfers to any bank, Kenya and worldwide.
  • Set up standing orders to any NCBA account or other bank accounts.
  • Communicate and give instructions via Secure email.
  • Free email alerts to the beneficiary every time you transfer money.
  • Pay your taxes due to Kenya Revenue Authority (KRA)
  • A dedicated Account Relationship Manager
  • Free Monthly e-statements
  • Free incoming funds transfer on Local Currency.
  • Free intra-account transfers.
  • Access to a debit card and cheque book.

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It’s easy to send money back home to your loved ones through NCBA Bank. Our joy is when you can seamlessly transact even when you’re miles away through our Money Transfer Partners:
  • Western Union
  • World Remit
  • MoneyGram
  • Wave
  • Exchange 4 free
  • Visa Direct
  • Swift (International Bank Transfer)
  • Local Bank Transfers
  • M-PESA

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We’re here to help you choose the business transactional and savings solutions that are best for your needs. Whether you have high volumes of transactions, want to earn interest or need special services, we offer the financial solutions and expertise to help you grow your business.

  • Bulk Payments
  • Get cost-effective rates for multiple or large sets of transfers with our flexible bulk payment solutions that allow you to transact up to 200,000 records on a single bulk file.

  • API Integration
  • Enhance your client management with solutions that provide automatic payment notifications to the customer’s systems for auto-reconciliation. This service offers instant reconciliation and recognition of payment.

  • Tax Payments
  • Conveniently make your KRA Domestic Tax and Customs Tax Payments (CCRS), and Kenya Trade Network Agency (KENTRADE) payments through our internet banking and in-branch services.

  • Mobile Money
  • Enjoy secure, convenient and low-cost payments with real-time settlement when you use Mobile Money for your business. This solution offers easy reconciliation and you can easily transfer money from your NCBA account to M-Pesa and M-Shwari accounts instantly.

  • Pesalink
  • Enjoy the convenience of real-time transfer of money from one account to another locally, whether in bulk or not. You can process salary payouts and other obligations, on mobile or otherwise, at any time.

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We compile indicative foreign exchange rates daily for use by the general public. These rates reflect the average buying and selling rates of the major participants in the foreign exchange market at the open of trade every day, thus providing a good indicator for any interested party on the value of the shilling on any particular day.

Contact us for preferential forex rates.

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Enjoy a wide array of exemplary insurance products arranged through the Bank’s very own NCBA Insurance Agency Limited. We don’t just stop there – we go all the way to give you much-needed value offerings. Because you deserve nothing but the best.

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Our investment solutions are well suited to match and meet your growing needs. There is never a single solution to the investment question, but we are your single answer to all that you ask. Take advantage of our wide range of investment solutions, Fixed Deposits, Call deposits and various wealth management from NCBA Investment Bank, outlined below.

Wealth Management

NCBA Investment Bank provides world-class asset management services. We have experience in structuring investment solutions to suit your financial status, risk preferences, liquidity needs, and investment horizons. Some of our offerings include:

  • NCBA Unit Trusts Funds

NCBA Unit Trust Funds are licensed by the Capital Markets Authority. The unit trusts funds pool investors' money into a single fund, which is then channeled into various professionally managed investment vehicles. Under our stable, we have an NCBA Money Market Fund, NCBA Equity Fund and NCBA Dollar Investment Fund. The Money Market Fund and the Equity Funds are accessed for as low as KES. 5,000, while the Dollar Investment Fund has a minimum investment of USD 100.

  • Investments towards retirement.

We’re here to help you build confidence in your financial future after retirement.

NCBA Investment Bank manages your funds to ensure an optimal return on investments over the long term, providing you a solution to address the four critical needs in retirement: Meeting Essential living expenses; maintaining your lifestyle; preparing for the unexpected and leaving a legacy. We offer a personal pension plan (NCBA Individual Pension Plan), an Income Drawdown Fund (NCBA Income Drawdown Fund), which are regulated by the Retirement Benefits Authority.

Personal pension plan allows access for as low as KES. 2,000 per month while the Income drawdown fund is accessible at a minimum of KES. 500,000.

  • Bespoke Segregated Portfolios

We structure and manage investment portfolios specifically tailored to your unique investment objectives, reflecting your risk tolerance, time horizons, liquidity needs, and tax attributes. This solution provides access to both private and public, on-shore and off-shore investment instruments and unique opportunities through professionally structured and managed bespoke portfolios.

  • Execution Mandates

We offer a platform to invest in short term and long-term investments including Treasury Bills, Treasury Bonds, Eurobonds, Listed stocks, offshore investments etc. under custody. This allows you to retain decision-making control over the investment and the specific securities in your portfolios while outsourcing the administrative processes.

I am interested

NCBA Investment Bank provides world-class asset management services. We have key experience in structuring bespoke investment solutions to suit your financial status, risk preferences, liquidity needs, and investment horizons.

Some of our offerings include:

  • Pension Fund Management
  • We’re here to help you build confidence in your financial future after retirement. NCBA Investment Bank manages your funds to ensure an optimal return on investments over the long term, providing you with solutions to address the four critical needs in retirement: Meeting Essential costs, maintaining your lifestyle, preparing for the unexpected and leaving a legacy. All our solutions are in compliance with guidelines issued by the Retirement Benefits Authority.

  • Bespoke Segregated Portfolios
  • We structure and manage investment portfolios specifically tailored to your unique investment objectives, reflecting your risk tolerance, time horizons, liquidity needs, and tax attributes. This solution provides access to both private and public, on-shore and off-shore investment instruments and unique opportunities through professionally structured and managed bespoke portfolios.

  • Unit Trusts
  • NCBA Collective Investment Schemes are licensed by the Capital Markets Authority as NCBA Unit Trust Funds. Our unit trusts pool investors' money into a single fund, which is then channeled into various professionally managed investments.

  • Execution Mandates
  • We offer a platform to invest in short term and long-term investments under custody. This allows you to retain decision-making control over the investment and the specific securities in your portfolios while outsourcing the administrative processes

I am interested

Sounds like a deal?