Full List of All Bank Codes in Kenya For Kenyan Banks In 2024 (2024)

Bank codes, often seen as a jumble of numbers, hold more significance than one might initially perceive. These numerical sequences are not just random; they are the financial world's way of ensuring that money moves securely and accurately between banks, whether for local transactions or international transfers. In the dynamic and diverse banking sector of Kenya, where financial inclusion and technological advancements are on the rise, understanding and utilizing these codes becomes paramount for individuals and businesses alike.

The Kenyan banking landscape is a mosaic of both local and international banks, each serving a unique purpose and clientele. From bustling city centres to remote rural areas, these financial institutions have woven an intricate network that facilitates economic growth and accessibility. However, navigating this complex system requires a certain level of literacy, especially when it comes to bank codes, which act as unique identifiers for each bank and its branches. They are not just numbers but keys that unlock a smoother, faster, and more secure banking experience.

As we embark on this journey through the "List of All Bank Codes in Kenya for 2023," we'll explore what bank codes are, why they're so crucial in our daily financial undertakings, and how they shape the way we interact with our banks. We'll also provide a comprehensive list of these codes, ensuring you have the information you need at your fingertips. So, whether you're making a deposit, setting up direct debits, or engaging in international transactions, understanding your bank's unique code is the first step to ensuring your money is navigating the financial highways safely and efficiently.

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Understanding Bank Codes

Bank codes are like the DNA of financial institutions, unique to each bank and its branches, providing a way to identify them distinctly in the vast world of financial transactions. Understanding these codes is essential for anyone engaging in banking, whether it's for personal or business purposes. In this section, we'll explore what bank codes are, the differences between various types of codes, and their specific applications in the Kenyan banking sector.

What are Bank Codes?

At their core, bank codes are a series of numbers assigned to banks to identify them uniquely. These codes are used universally in the banking system to process payments, direct debits, and other transactions. In Kenya, these codes are crucial for everyday banking operations, ensuring that funds reach the correct destination safely and efficiently.

Differentiating Bank Codes, Branch Codes, and SWIFT Codes

While bank codes are a general term, there are specific types of codes used for different purposes:

• Bank Codes:These are typically the broader codes used to identify the main banking institution. For instance, each bank in Kenya has a unique code that distinguishes it from others.
• Branch Codes:These are more specific and are used to identify individual branches within a bank. For instance, the Kenya Commercial Bank in Nairobi's city centre will have a different branch code from its branch in Mombasa.
• SWIFT Codes:Standing for Society for Worldwide Interbank Financial Telecommunication, SWIFT codes are used for international money transfers. They are unique codes for each bank that participate in international banking.

Applications of Bank Codes in Kenya

In the bustling financial landscape of Kenya, bank codes find a variety of applications:

1. Facilitating Transactions:Whether you're transferring money between accounts within the same bank or to a different bank, the correct bank and branch codes ensure your money reaches the right destination.
2. Setting Up Direct Debits:For regular payments, such as mortgage or utility bills, the correct bank code is essential to ensure your bills are paid on time from the right account.
3. International Transfers:For sending money abroad or receiving funds from outside Kenya, SWIFT codes are used to identify your bank internationally.
4. Banking Software:Bank codes are integral to the software banks use for processing a myriad of daily transactions, ensuring accuracy and security.

Importance of Accurate Bank Codes

Using the correct bank code is not just a matter of ticking a box; it's about ensuring the security and speed of your transactions. Incorrect codes can lead to delayed transactions, funds being sent to the wrong account, or even the loss of money. Particularly in a fast-paced financial environment like Kenya's, where transactions are increasingly digital, the importance of accurate bank codes cannot be overstated.

Comprehensive List of Bank Codes in Kenya

Navigating through the Kenyan banking system requires a thorough understanding of the bank codes that facilitate seamless financial transactions. This comprehensive list is more than just numbers; it's a navigator for your banking needs, ensuring that your transactions are swift, secure, and directed to the right destination. Here we delve into the details of the bank codes for some of Kenya's most prominent banks, providing a reliable resource for anyone needing to make transactions within the country.

1.Kenya Commercial Bank (KCB)

Kenya Commercial Bank, known as KCB, is one of Kenya's oldest and most widespread banks, boasting a robust network of branches across the nation. Each branch has a unique code, making it essential for customers to know the correct code for their specific branch.

2.NCBA Bank Kenya

NCBA Bank Kenya, formed from the merger between Commercial Bank of Africa and NIC Bank, has a substantial presence in Kenya with a wide array of branches, each assigned a unique branch code.

3.Equity Bank

Equity Bank, known for its extensive outreach and a vast number of branches, provides a wide range of financial services across Kenya and even into neighboring countries. Its branch codes are essential for any transaction within its network.

4.Co-operative Bank’s Branch Codes

4. Standard Chartered Bank Kenya Limited Branch Codes

Standard Chartered Bank Kenya Limited is also among the oldest banks in Kenya since its existence in 1911. As of the writing here are the branch codes for its 37 branches;

5. National Bank of Kenya Branch Codes

6. Absa Bank Kenya PLC Branch Codes

7. Family Bank LTD Branch Codes

8. Bank of India Branch Codes

• Kenyatta Avenue – 05000
• Nkrumah Road – 05001
• Industrial Area – 05002
• Westlands – 05003
• Eldoret – 05008

9. Bank of Baroda Branch Codes

• Nairobi Main – 06000
• City Square – 06001
• Digo Road – 06002
• Thika -06004
• Kisumu – 06005
• Sarit Centre – 06006
• Industrial Area – 06007
• Eldoret – 06008

10. Central Bank of Kenya Branch Codes

• Head office – 09001
• Mombasa – 09002
• Kisumu – 09003
• Eldoret – 09004

11. Prime Bank Limited Branch Codes

• H/O Riverside – 10000
• Kenindia – 10001
• Biashara – 10002
• Mombasa – 10003
• Westlands – 10004
• Industrial Area – 10005
• Kisumu – 10006
• Parklands – 10007
• Riverside Drive – 10008
• Hurlingham – 10010
• Capital Centre – 10011
• Nyali Branch – 10012
• Kamukunji – 10014

12. Oriental Commercial Bank Branch Codes

• Koinange Street – 14001
• Nakuru – 14004
• Eldoret – 14005
• Kitale – 14006
• Westlands – 14007

13. Middle East Bank (K) Limited Branch Codes

• Head Office – 18000
• Nairobi – 18001
• Mombasa – 18002
• Milimani – 18003

14. Bank of Africa Kenya LTD Branch Codes

• Reinsurance Plaza Nairobi – 19000
• Mombasa – 19001
• Westlands – 19002
• Uhuru Highway – 19003
• River Road – 19004
• Thika – 19005
• Kisumu – 19006
• Baba Dogo – 19007
• Monrovia Street – 19008
• Ngong Road – 19010
• Eldoret – 19011
• Embakasi – 19012

15. Dubai Bank of Kenya LTD Branch Codes

• Head Office – 20000
• Eastleigh – 20002
• Mombasa – 20003
• Nakuru – 20004

16. Consolidated Bank of Kenya LTD Branch Codes

• Harambee Avenue – 23000
• Muranga – 23001
• Embu – 23002
• Mombasa – 23003
• Koinange Street – 23004
• Thika – 23005
• Meru – 23006
• Nyeri – 23007
• Maua – 23009
• Isiolo – 23010
• Umoja – 23013
• Eldoret – 23099

17. Credit Bank LTD Branch Codes

• Koinange Street – 25000
• Kisumu – 25001
• Nakuru – 25002
• Kisii – 25003
• Westlands – 25004

18. Trans-National Bank Branch Codes

• Head Office – 26001
• Mombasa – 26002
• Eldoret – 26003
• Nakuru – 26004
• Kirinyaga Rd Nairobi – 26007
• Olenguruone – 26009
• Kericho – 26010
• Nandi Hills – 26013
• Epz – 26014

19. Stanbic Bank Kenya LimitedBranch Codes

• Clearing Centre Head Office – 31000
• Kimathi Street – 31002
• Digo Road – 31003
• Waiyaki Way – 31004
• Industrial Area – 31005
• Harambee Avenue – 31006
• Chiromo Road – 31007
• International House – 31008
• Nkrumah Branch – 31009
• Upper Hill Branch – 31010
• Naivasha – 31011
• Westgate – 31012
• Kisumu – 31013
• Nakuru – 31014
• Thika – 31015
• Cfc Stanbic – 31017
• Buruburu – 31018
• Gikomba – 31019
• Meru – 31020
• Ruaraka – 31021
• Central Processing Head Office – 31999

20. African Banking Corporation (ABC) Branch Codes

• Main Branch – 35000
• Westlands – 35001
• Industrial Area – 35002
• Mombasa – 35003
• Kisumu – 35004
• Eldoret – 35005
• Meru – 35006
• Libra House – 35007
• Nakuru – 35008

21. Imperial Bank Limited Branch Codes

• Head Office – 39001
• Mombasa – 39002
• Upper Hill – 39003
• Parklands – 39004
• Malindi – 39005
• Industrial Area – 39006
• Watamu – 39007
• Diani – 39008
• Kilifi – 39009
• Eldoret – 39010
• Karen – 39011
• Thika – 39012

22. Giro Bank LTD Branch Codes

• Nairobi: Kimathi St. – 42000
• Mombasa – 42001
• Industrial Area – 42002
• Kimathi St. – 42003
• Kisumu Branch – 42004
• Westlands – 42005
• Parklands – 42007

23. Ecobank Kenya LTD Branch Codes

• Ecobanktowers, Head Office – 43000
• Moi Avenue Nairobi – 43001
• Akiba Hse Mombasa – 43002
• Plaza 2000 – 43003
• Kisii – 43009
• Kitale – 43010
• Karatina – 43012
• Westlands – 43013
• United Mall – 43014
• Nakuru – 43015
• Jomo Kenyatta Avenue – 43016
• Nyeri – 43017

24. Equitorial Commercial Bank LTD Branch Codes

• Head Office – 49000
• Nyerere – 49001
• Mombasa – 49002
• Westlands – 49003
• Mombasa Road – 49004
• Chester – 49005
• Waiyaki Way – 49007
• Kakamega – 49008
• Eldoret – 49009
• Nyali – 49011
• Kisumu – 49012
• Industrial Area – 49013

25. Paramount Universal Bank LTD Branch Codes

• Head Office – 50000
• Westlands – 50001
• Parklands – 50002
• Kimathi – 50003
• Koinange – 50005

26. Jamii Bora Bank LTD Branch Codes

• Head Office – 51000
• Industrial Area – 51001

27. Fina Bank Branch Codes

• Head Office – 53001
• Industrial Area – 53002
• Westlands – 53003
• Lavington – 53004
• Nkrumah Road – 53005
• Nakuru – 53006
• Eldoret – 53007
• Nanyuki – 53009
• Meru – 53013
• Thika – 53020
• Fina Bank – 53021

28. Guardian Bank Branch Codes

• Head Office – 55001
• Westlands – 55002
• Mombasa – 55003
• Eldoret – 55004
• Kisumu – 55005
• Biashara Street – 55006
• Mombasa Road – 55007

29. Investments and Mortgages Branch Codes

• Kenyatta Avenue – 57000
• 2nd Nong Avenue – 57001
• Sarit Centre – 57002
• Head Office – 57003
• Biashara St – 57004
• Mombasa – 57005
• Industrial Area – 57006
• Kisumu – 57007
• Karen – 57008
• Panari Centre – 57009
• Parklands – 57010
• Wilson Airport – 57011
• Ongata Rongai – 57012
• South C Shopping Centre – 57013
• Nyali Cinemax – 57014
• Langata Link – 57015
• Lavington Br – 57016
• Card Centre – 57098

30. Fidelity Commercial Bank Branch Codes

• Headoffice – 60001
• Westlands – 60002
• Industrial Area – 60003
• Diani – 60004
• Malindi – 60005
• Mombasa – 60006

31. Diamond Trust Bank (DTB) Branch Codes

• Head Office – 63000
• Nation Centre – 63001
• Mombasa – 63002
• Kisumu – 63003
• Parklands – 63005
• Westgate – 63006
• Mombasa Rd – 63008
• Industrial Area – 63009
• Kisii – 63010
• Malindi – 63011
• Thika – 63012
• Otc – 63013
• Eastleigh – 63015
• Changamwe – 63016
• T-Mall – 63017
• Nakuru – 63018
• Village Market – 63019
• Diani – 63020
• Bungoma – 63021
• Kitale – 63022
• Prestige – 63023
• Buruburu – 63024
• Kitengela – 63025
• Jomo Kenyatta – 63026
• Kakamega – 63027
• Kericho – 63028
• Upperhill – 63029
• Wabera – 63030
• Karen – 63031
• Voi – 63032
• Meru – 63034
• Tom Mboya – 63050

32. Charterhouse Bank LTD Branch Codes

• Longonot Place ‐ Kijabe Street – 64000
• Mombasa – 64002
• Ngong – 64003
• Uhuru H/Way – 64004
• Westlands – 64005
• Village Market – 64006
• Nyali – 64007
• Likoni – 64008
• Mega City – 64009

33. K-Rep Bank Branch Codes

• Head Office – 66001
• Mombasa – 66002
• Kenyatta Ave Nbi – 66003
• Nakuru – 66004
• Nyeri – 66005
• Buruburu – 66006
• Embu – 66007
• Eldoret – 66008
• Kisumu – 66009
• Kericho – 66010
• Kisii – 66015
• Machakos – 66018
• Nanyuki – 66019
• Kongowea Mkt-¬‐ Msa – 66021
• Naivasha Town – 66022
• Mima Center – 66023
• Isiolo Town – 66024
• Ghana Road – 66025
• Victor House – 66026
• Manna House – 66027
• Moi Street – 66028
• Kajiado – 66029
• Mtwapa – 66031
• Moi Avenue – 66033
• Mwea – 66034
• Kengeleni – 66035
• Kilimani – 66036

34. Gulf African Bank LTD Branch Codes

• Head Office – 72001
• Upperhill – 72002
• Eastleigh – 72003
• Kenyatta Avenue – 72004
• Mombasa – 72005
• Garissa – 72006
• Lamu – 72007
• Malindi – 72008
• Muthaiga – 72009

35. First Community Bank Branch Codes

• Wabera Street – 74001
• Eastleigh – 74002
• Mombasa 1 – 74003
• Garissa – 74004
• Eastleigh 11 – 74005
• Malindi – 74006
• Kisumu – 74007
• Kimathi – 74008
• Westlands – 74009
• South C – 74010
• Industrial Area – 74011
• Masalani – 74012
• Habasweni – 74013
• Wajir – 74014
• Moyale – 74015
• Nakuru – 74016
• Mombasa 2 – 74017
• Head Office/Clearing Centre – 74999

36. UBA Kenya LTD Branch Codes

• Head office/clearing centre – 76001
• Industrial Area – 76002
• Upper Hill – 76003
• Westlands – 76099

Understanding and Using the Codes

To use these codes effectively:

1. Verify the Code:Always double-check the branch code before making any transaction. A single digit off can divert your transaction to a completely different branch.
2. Ask for Help:If unsure, contact your bank's customer service or visit the branch to confirm the correct code.
3. Keep Updated:Bank branches can change codes or locations, so it's crucial to stay updated with the latest information from your bank.

How to Use and Find Bank Codes

Understanding bank codes is one thing, but knowing how to find and use them effectively is another. This part of the guide is dedicated to providing you with the knowledge and tools to confidently locate and apply the correct bank codes for your financial transactions in Kenya. Whether you're setting up a direct debit, making a wire transfer, or simply trying to understand your bank statements better, this section is your practical guide.

Locating Your Bank's Code

Finding the right bank code doesn't have to be a daunting task. Here are several reliable methods:

1. Bank Statements:Often, your bank's code can be found on your statements. Look for a series of numbers indicating your branch.
2. Online Banking:Most banks now offer online banking services. Log in to your account and look for a section detailing your account information; branch codes are usually listed there.
3. Bank Websites:Banks typically provide a list of their branches and corresponding codes on their official websites.
4. Customer Service:When in doubt, a call or visit to your bank's customer service is always a reliable way to obtain the correct code.
5. Banking Apps:If your bank has a mobile app, it's likely that the branch code is accessible through the app's account details section.

Using Bank Codes Effectively

With the correct bank code in hand, here's how to use it effectively:

• Transactions:Always double-check the bank and branch codes when performing any transactions. This ensures your money goes exactly where it's supposed to.
• Setting Up Payments:When setting up direct debits or automatic payments, accurately entering the bank code is crucial to ensure your bills are paid correctly and on time.
• International Transfers:For SWIFT codes, ensure the code matches the bank and branch you're sending money to internationally. Incorrect codes can lead to delayed or lost transfers.

Tips for Accuracy and Security

• Confirm Twice:Always verify the bank code twice before finalizing any transaction. A small mistake can lead to significant errors.
• Update Regularly:Bank branches may change codes or relocate. Regularly check for the most up-to-date codes, especially if you haven't used a specific branch in a while.
• Secure Sources:Only use bank codes from secure and official sources to avoid scams or incorrect codes.
• Record Keeping:Keep a record of the correct bank codes you frequently use for quick and error-free transactions in the future.

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FAQs

How often do bank codes change?

• Bank codes generally remain consistent to maintain continuity and ease of transactions. However, changes can occur in instances of bank mergers, rebranding, or branch closures. It's advisable to check with your bank for the most current information.

Can I use the same code for different branches of the same bank?

• No, each branch of a bank has a unique code. While the first few digits may be the same across branches of the same bank, the last few digits differ to identify each branch uniquely.

Are bank codes the same as SWIFT codes?

• No, bank codes are used primarily for domestic transactions and identify local branches within a country. SWIFT codes, however, are used for international transactions and identify banks globally.

What should I do if I can't find my bank's code?

• If you can't find your bank's code, contact your bank directly. They can provide you with the correct code and additional information you might need for your transactions.

How can I verify that a bank code is correct?

• The most reliable way to verify a bank code is to check directly with the bank through official channels such as their website, customer service, or your online banking portal.

Do all Kenyan banks have unique codes?

• Yes, all registered Kenyan banks have unique codes that differentiate them from one another. This system helps maintain a secure and organized banking network.

Are bank codes necessary for mobile banking?

• Yes, bank codes are often required in mobile banking when setting up payments or transfers to other banks. They ensure your money is directed to the correct bank and branch.

What's the difference between a bank code and a sort code?

• A bank code identifies a specific bank, while a sort code is used to identify an individual branch of a bank within a country. Sort codes are used primarily in the UK and Ireland.