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Personal Loans

Whether you are in need of a short-term loan or are looking to buy property, NCBA will provide you access to the money you need. Our loans are competitively priced with flexible payment options to fit your financial position. 


If you’re looking for a flexible and instant line of credit that allows you to overdraw your account without a penalty, our personal overdraft service is perfect for you.


  • Availability in Kenya Shillings or in major foreign currencies such as US Dollars, Euros and Pounds.
  • Minimum banking period of one year for overdraft eligibility.
  • Interest is only charged on the amount drawn.
  • Customer salary must be channeled through the bank, or overdraft must be secured if not.

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Personal Loans

Acquire assets, accomplish your goals and move further with secured and unsecured personal loans custom-made to suit your lifestyle.

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Salary Advance

You don’t have to wait until payday to access funds to address a pressing financial need.

The NCBA Salary advance offers you short-term financing through your salary account.

  • Get up to KES 250,000 based on your salary.
  • Flexible repayment period of up to 6 months.
  • Fast processing of 12 hours upon submission of a complete application form.

To apply, download the application form here and submit it at your nearest NCBA branch.


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What is M-Shwari?

M-Shwari, coined from a Swahili word that means smoothen or make something better or good, is a revolutionary product set to change the lives of millions of Kenyans. M-Shwari is brought to you by NCBA and Safaricom. The "M" signifies mobile-centric as this product is operated entirely from your mobile phone. It will not be accessible through any NCBA branch but your handset. All you need is your handset and to be registered on M-Pesa! There are no forms or additional documents required for you to sign up to M-Shwari.

M-Shwari is a suite of banking products that are offered to M-PESA customers via their handset to enhance the M-PESA value proposition. With M-Shwari, one has access to Deposit and Loan products that are convenient, reliable, and cost-effective for making micro-savings and taking micro-loans.

Why M-Shwari?

With M-Shwari, one stands to enjoy several benefits which include the following:

  • The convenience of mobile banking i.e. you can transact from the comfort of your location
  • Paperless (mobile-centric), safe and fast service.
  • No minimum balance
  • No ledger fees
  • No transactional charges while moving money between M-Shwari and M-Pesa
  • Competitive interest rates
  • Access to credit facilities

How M-Shwari works

    Deposit Product

The M-Shwari Deposit Account is a micro-savings product that allows you to securely store your money for a specific purpose or for an unexpected event in your life. Enjoy the following features when you save with M-Shwari:

  • No minimum balance
  • No charges levied on the account
  • No charges for moving money from M-PESA to M-Shwari account and vice versa
    Loan Product

The M-Shwari Loan Account is a micro-credit product that allows you to borrow money in times of need or to complement your savings towards an investment or enterprise. A one-time fee of 7.5% is levied for each loan. Borrow with M-Shwari and start to build your credit history today. In order to qualify for a loan, all you need is to be an M-PESA subscriber for 6 months, save on M-Shwari and actively use other Safaricom services such as voice, data and M-PESA. To enquire how much you can borrow, go to M-Shwari, Loan, check Loan Limit.

    M-Shwari Interest Rates:
Customer Saving Amount M-Shwari Interest Rate
KSHS 1 - 20,000 3% P.A
KSHS 20,001 - 50,000 4% P.A
> KSHS 50,001 5% P.A
    Lock Savings Account

This is a savings account that allows M-Shwari customers to save for a defined purpose and for a specified amount of time. The funds saved on the M-Shwari Lock Savings account will be kept in the account until the maturity date which is determined by the customer upon opening the account and ranges between one and twelve months. However, the customer can request to withdraw the funds from their Lock Savings account. The request will be processed in 48 hrs.


Interest in Lock Savings account will be earned as below:

Customer Saving Amount Lock Saving Interest Rate
KSHS 1 - 20,000 3% P.A
KSHS 20,001 - 50,000 5% P.A
> KSHS 50,001 6% P.A

This is a savings account that allows M-Shwari customers to save for a defined purpose and for a specified amount of time. The funds saved on the M-Shwari Lock Savings account will be kept in the account until the maturity date; this maturity date is determined by the customer upon opening the account and ranges between one and six months. Customers can make micro-deposits into this.
The M-Shwari Lock Savings account is ideal for customers looking for higher interest rates and those wishing to keep money away safely for one to six months.

One must be an M-Shwari customer in order to access this service. To join M-Shwari, Go to your M-PESA menu, select “My account” and “Update menu” then go to your M-PESA menu, select Loans and Savings, MShwari, click on activate account and accept terms and conditions.

No minimum savings.
There are no charges levied on the M-Shwari Lock Savings account.
The interest rate is constant during the investment period and is calculated and paid out monthly or at maturity.
The Lock period varies from one month to six months depending on the customer needs.

The lock savings account can be accessed by going to M-PESA >>Loans and Savings >>M-Shwari>> Lock and selecting, “Lock Savings Account”. The menu is as displayed below when accessed the first time.

Go to M-PESA, Loans and Savings, M-Shwari, Lock Savings Account, Open Account, select to save from either M-PESA or From M-Shwari, Enter Target Amount, enter period between 1-6 months, Enter amount to save. You will receive an SMS confirmation that your Lock Savings Account has been set up. Next time you save, go to the Lock Savings option under M-Shwari, select to Save from either M-Shwari or M-PESA, Enter Amount and then your M-PESA PIN to complete your transaction.

Upon maturity, a notification will be sent to you via SMS from M-Shwari informing you of the amount saved and the interest earned.

Yes. However, a customer will receive the requested money after 48hours. A customer has the option to withdraw the entire amount – Break Lock or make a partial withdrawal of the funds- Partial Break

All relief measures that were implemented in March 2020 will remain as-is until further notice. However, if your loan remains unpaid for more than 30days from the date it was borrowed an additional facility fee will be applied.  Among the reliefs we have extended include:

  • If your loan is repaid after 60 days, you will be allowed to borrow a loan immediately after repayment.
  • We will not list any customer on CRB until further notice.
  • We will reduce your limit when your loan is still outstanding after 90 days (2 months).
  • We will cancel your limit to 0 if your loan is still outstanding after 120 days (4 months).

These changes will remain effective until further notice

No, your loan due date will remain as communicated, which is 30 days from when you request for a loan.

With effect from 30th July 2020, the rollover fee will be charged once the loan goes beyond 30 days from the day you borrowed. A reminder of when the fee will be charged will be communicated on day 28 and 29 of the loan being outstanding.

No, if your loan is already beyond day 30, you will get the usual loan reminder messages until loan repayment. However, if your loan is still outstanding on day 59 a roll over fee will be applied the following day (Day 60).

No, this has been halted until further notice.

Customers will be provided ample notice prior to listing if the loan remains unpaid to an extended period.

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Fuliza M-Pesa

  1. What is Fuliza M-PESA? 

This is a service that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.

  1. What are the requirements and how do I activate Fuliza M-PESA Service? 

You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt-in

  1. How many accounts can I hold for Fuliza M-PESA services? 

Every M-PESA registered line will be treated as a different account. Each mobile number will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every 3 months depending on your usage. 

  1. How will I know my Fuliza M-PESA account details? 

Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement and opt-out option. Every time you transact using Fuliza, you will receive an SMS with the outstanding Fuliza amount. 

  1. How many times can I use Fuliza M-PESA? 

You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit. 

  1. Which M-PESA transactions can I complete using Fuliza M-PESA?

Lipa Na M-PESA: Buy goods and Paybill, Airtime purchases, as well as Send money.

  1. How do I use my Fuliza limit? 

All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall. 

  1. How do I grow my Fuliza M-PESA limit? 

Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by topping up your M-PESA account. 

  1. Can I withdraw money from Fuliza? 

No, you cannot withdraw funds from Fuliza M-PESA. 

  1. How much will I be charged for using Fuliza M-PESA? 

You will be charged 1% access fee and a maintenance fee on the outstanding balance as per the below table. Normal M-PESA transaction charges apply. Transaction Promotional Tariff for Range (Kshs) Tariff 30 day from launch 

0 -100 One-time fee of Ksh 2  101-500 Kshs. 5 per day  501-1000 Kshs. 10 per day  1001-1500 Kshs. 20 per day  1501-2500 Kshs. 25 per day  2501-70000 Kshs. 30 per day 
  1. How will I repay my Fuliza M-PESA? 

Any funds received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA. 

  1. What is the minimum and maximum amount I can send using Fuliza M-PESA? 

M-PESA limits apply as below; 

  • Min KES 1.00 Maximum KES 42,000.00
  1. Will I get money reversed if I send/pay to a wrong number/till and had used Fuliza M-PESA? 

M-PESA reversal process applies as long as the recipient has not utilized the funds. You can also initiate reversal by sending the M-PESA SMS to 456 NB: Transactional charges will not be reversed. 

  1. Is Fuliza M-PESA a loan product? 

No. This is a continuous overdraft service that allows you to complete M-PESA transactions when you have insufficient funds. 

  1. Are there any Penalties for late repayment? 

You will not have access to your Fuliza M-PESA limit if you have any unpaid balance after day 30. This will, however, be restored on full repayment of your Fuliza balance.


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