What is the official website of the payment service?
https://www.firstcommunitybank.co.ke
https://www.firstcommunitybank.co.ke
Contact details are available at the bottom of the homepage or via the 'Contact Us' section of the website.
+254 709 881 000
No verified toll-free number is provided; standard customer service numbers are listed for assistance.
General industry practice provides separate emails for departments like customer service, technical support, and complaints when volumes demand it.
If available, online chat is typically accessible via the bank’s official website or inside their mobile banking application.
Most banking chat support in Kenya operates during regular business hours, not 24/7, with possible limited hours on weekends.
Banks in Kenya sometimes offer WhatsApp support; however, no verified public WhatsApp or Telegram details are listed for FCB.
Normal support hours for Kenyan banks are Monday-Friday 8:00-17:00, with limited hours on Saturdays and closure on Sundays and public holidays.
Most support channels operate Monday to Friday; some branches may open for half-days on Saturday, closed on Sundays and public holidays.
Yes, First Community Bank has branches across major cities for in-person service and customer assistance.
Locations include Nairobi (Eastleigh, Kenyatta Avenue), Mombasa, Garissa, Kisumu, Eldoret, Wajir, and others as listed on their website.
Personal meetings are usually available by scheduling through branch phones or in-person requests at branch locations.
The bank operates in Kenya; there are no known international representative offices for customer visits.
Customer support is primarily available in English and Kiswahili to serve the Kenyan market.
Response times vary by channel; phone support is usually immediate, emails may take 1-2 business days, and social media replies often occur within 24 hours.
Many banks offer priority support to premium account holders, with dedicated relationship managers or specialized hotlines.
Most banks allow customers to request callbacks via web forms, mobile app, or phone, particularly for complex issues or VIP clients.
First Community Bank was incorporated in 2007 and officially started operations the same year.
First Community Bank was founded by a group of investors, with key involvement from local business and religious leaders; it is owned by shareholders.
The bank is registered and regulated in Kenya.
First Community Bank launched in 2008 as the country’s first fully-fledged Shariah-compliant bank, rapidly expanding its branch network across Kenya.
Recent years saw introduction of digital banking services and product diversification, but no major public rebranding events are reported.
The bank lists its board on the official website, including Chairman, CEO, and a mix of professional and religious authorities.
The bank has local and regional investors and strategic business partnerships, specific details may be available in annual reports.
First Community Bank is not a publicly traded company and therefore does not trade on the Nairobi Securities Exchange.
No public market capitalization, as the bank is privately held.
The bank operates branches throughout Kenya but no distinct subsidiary companies are publicly disclosed.
Licensed as a commercial bank by the Central Bank of Kenya, also Shariah-compliant under Kenyan law.
First Community Bank operates officially within Kenya as permitted by its banking license.
No public information indicates licensing or support for cryptocurrency operations.
The bank follows Kenyan regulations on Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures.
Banks typically comply with industry security standards such as PCI DSS for payment operations and secure customer data handling.
Regular security audits are standard practice for regulated banks; specifics are typically disclosed in annual or regulatory reports.
Customer deposits are protected under the Kenya Deposit Insurance Corporation up to the statutory limits.
The bank aligns with international standards such as ISMS and PCI DSS where payment systems are involved, as well as local requirements.
There is no public evidence of major regulatory fines or violations attributed to First Community Bank.
User feedback can typically be found on Google Reviews, Facebook pages, and local banking discussion forums.
Common complaints in Kenya include delays in service, branch congestion, and issues with digital banking stability or responsiveness.
Users praise Islamic banking adherence, customer service quality at specific branches, and Shariah-compliant products.
Withdrawal issues in Kenyan banks are rare but may occur during network outages or system maintenance periods.
Digital banking platforms in Kenya receive average satisfaction; users value simplicity and clear navigation but dislike complex authentication.
General satisfaction is high for internal and card transactions, with some delays possible for interbank or mobile money transfers.
Many users recommend FCB for its Islamic finance options and local community focus.
Experts rate the bank as stable and reliable within its operational focus, with compliance to local banking laws and Shariah governance.
First Community Bank and its products have received recognition in the Kenyan Islamic banking sector; specific awards may be detailed in bank reports.
The bank features in national banking sector rankings but does not typically hold top positions among all banks.
The Central Bank of Kenya may issue periodic advisories or approval for innovative products; positive endorsements reinforce compliance.
FCB is viewed as a reputable partner in Kenya’s banking and Islamic finance sector.
The bank is recognized for pioneering Islamic banking in Kenya and expanding digital Islamic finance options.
Quality certifications in banking are typical for key processes; public specifics for FCB are not listed.
Kenyan banks participate in local and international finance and fintech conferences, including Islamic banking forums.
FCB positions as Kenya’s leading Shariah-compliant financial institution, serving both retail and corporate clients with ethical banking.
Main support is for Kenyan Shilling (KES); foreign currency services are often available in US Dollar (USD) and sometimes Euro (EUR).
The bank does not support cryptocurrency products or transactions as per current Kenyan regulations.
FCB does not offer a native token or cryptocurrency.
Currency conversion services between KES and major foreign currencies are commonly available in-branch.
Exchange rates are determined by the bank in line with Central Bank guidelines and real-time market rates.
Currency exchange rates are typically updated daily based on global market movements and central bank rates.
Stablecoins are not supported by First Community Bank as per current regulations.
Kenyan banks mainly handle major global currencies; support for exotic currencies is limited and often subject to prior arrangement.
Currency services are compliant with Kenyan laws, and restrictions apply based on Central Bank of Kenya and international AML rules.
Supports local and international wire transfers, mobile money, intra-bank transactions, and payments via card.
Internal transfers between FCB accounts are supported and processed in real time.
Transfers to debit cards (local or linked accounts) are standard; direct transfers to non-affiliated cards may not be available.
Yes, standard functionality includes transferring funds to other bank accounts domestically and internationally.
Bill payment for utilities and services is commonly supported via mobile and online platforms.
Recurring payment setup for common bills or services is available through online or mobile banking platforms.
Automatic scheduled transfers can typically be configured through digital channels or in-branch requests.
Payment scheduling is a standard feature in most digital banking solutions and can be configured as needed.
Group or bulk payment features are available for business and institutional clients for payroll or multi-party disbursements.
Payment links are not a widely promoted feature for FCB but are increasingly offered in Kenyan banking for business customers.
Minimum transaction amounts depend on the type of service but for most retail payments, there is no minimum; certain transfers may have operational minimums.
Maximums depend on service type and regulatory compliance; banks publish specific limits per transaction and customer tier.
Daily operation limits are established per service channel and account verification level in line with banking regulations.
Monthly/annual transaction caps comply with AML regulations; exact figures vary by customer and account type.
Limit increases can be requested by supplying additional verification documents and justification for increased usage.
Verified customers are typically eligible for higher transaction limits versus unverified or restricted accounts.
New accounts may have temporary restrictions on transfer and withdrawal amounts until completion of full verification.
Geographic restrictions and special limits may apply for cross-border transactions as regulated by local and international law.
Temporary blocks are a standard security tool for suspicious activity or upon customer request.
Banks may set thresholds on transaction counts per day, especially for digital channels, to prevent fraud.
Minimum deposit amounts are often nominal or set at KES100-500 for in-branch or mobile deposits.
Funding methods include in-branch cash deposit, mobile money (like M-Pesa), bank transfer, cheque, and sometimes international wire.
Typical deposit channels are free; however, mobile money or interbank transfer fees may apply depending on the channel used.
Most deposit options have low minimums (as low as KES100) unless otherwise stated for special accounts.
In-branch and mobile money deposits are usually instant; interbank and cheque payments can take 1-2 business days.
Withdrawals are available at branch counters, ATMs, and via mobile money for linked accounts.
Withdrawal fees depend on channel; ATMs are charged per withdrawal, mobile money follows the provider’s tariff.
In-branch and ATM withdrawals are instant. Mobile money withdrawals are also typically instant after processing.
Withdrawal limits are defined by channel and account type, in compliance with banking regulations and set by the bank.
Card-based funds are credited instantly or within minutes, depending on network status.
Domestic bank transfers usually clear within 1 business day; international transfers may require 2-5 business days.
Cryptocurrency services are not available, so no transfer times apply.
Intra-bank (FCB to FCB) transfers are instant in most cases.
Most digital deposits process as normal; cheque or branch transactions wait until the next business day.
Official holidays may delay bank transfer and cheque processing; mobile money and card funding is typically unaffected.
Urgent processing options for deposits are not generally offered, but express clearing for cheque or wire transfers may be possible for a fee.
Processing speed is determined by channel, transaction type, and anti-fraud checks or regulatory requirements.
Digital and mobile banking platforms typically send SMS/app notifications when funds are credited.
In case of delays, contact customer service through phone, email, or by visiting a branch to initiate a trace or error resolution.
Withdrawals at ATMs and branches are instant; digital withdrawal requests may take a few minutes to an hour.
ATM transactions are processed instantly; teller-assisted withdrawals may take a few minutes.
Same-bank transfers are immediate; other domestic transfers complete in 1 business day; international may take up to 5 days.
Not applicable as FCB does not support cryptocurrency withdrawals.
ATM withdrawals are processed as normal; branch and cheque withdrawals process on the next working day.
Public holidays may delay traditional banking channel processing; digital/ATM options are usually unaffected.
Expedited withdrawals are generally not offered; urgent payment processing may incur fees for specific transaction types.
Channel used, transaction amount, time of request, and any required compliance checks.
SMS and app notifications are sent upon successful processing, with details available via digital banking.
Once processed, withdrawals cannot be reversed; pending requests may be canceled by contacting customer service.
Account opening can be initiated online or in-person at a branch by filling required forms and submitting identification documents.
Full legal name, national ID or passport, proof of address, contact information, and in some cases, income/employment details.
Registration may be completed without email at in-person branches, but email is often required for digital banking access.
Phone verification is standard to secure account access and facilitate mobile banking services.
Minimum age is 18 years; minors may be allowed with guardian consent and oversight.
Yes, business accounts are available for registered entities with additional legal and company documentation as required.
Genuine personal data and valid supporting documents are required for regulatory compliance.
Registration is predominantly available for Kenyan residents and legally present foreigners.
Account activation can be completed same-day for straightforward applications, otherwise within 1-2 business days after full verification.
Standard personal, premium, and business tiers exist, each requiring increasing documentation and offering higher transaction limits.
Kenyan National ID or Passport, passport-sized photo, and in some cases proof of address.
Full KYC requires proof of address, employment or business verification, and possibly additional supporting documents.
Digital copies are accepted for initial review, with originals required for physical verification or at branch visits.
Verification typically processes within 1-3 business days, provided all documents are accurate and complete.
Unverified accounts allow limited usage like viewing balances, but transactions are restricted until full verification.
Unverified users may face strict transaction limits, restricted access to services, and inability to perform transfers or withdrawals.
Proof of address is required for complete verification and higher transaction tiers.
Photo verification is sometimes required for digital KYC and to prevent identity fraud.
Updates are required upon document expiry, major life changes, or as part of periodic regulatory reviews.
Banks employ SSL/TLS for online security and may implement AES or equivalent encryption for sensitive data at rest.
2FA via SMS or authenticator apps is supported for digital banking access and high-risk operations.
SMS alerts and confirmations are standard for transactions, login notifications, and high-risk account activities.
Mobile app platforms may offer fingerprint or facial recognition for added security, particularly on modern smartphones.
Blockchain technology is generally not implemented in traditional banks in Kenya unless explicitly for new pilot projects.
Layered security combining login credentials, 2FA, biometric support, and transaction monitoring is standard in the industry.
Personal data is safeguarded through encryption, restricted access, compliance with data protection regulations, and secure data storage.
Not applicable as the bank does not offer cryptocurrency services.
Banks utilize DDoS mitigation solutions and network firewalls to protect online services from large-scale attacks.
Periodic security assessments and routine regulatory audits are standard banking practice, ensuring ongoing compliance.
Anti-phishing education, suspicious login monitoring, and notification systems are deployed to protect clients.
Monitoring systems analyze transaction patterns in real time to detect and respond to unusual or suspicious behavior.
Strict KYC, transaction monitoring, and mandatory reporting of suspicious activities are the main anti-money laundering procedures.
Immediate temporary or permanent blocking is enacted upon detecting fraud or regulatory violations, pending investigation.
Contact customer service immediately, freeze account as directed, and provide all requested details to facilitate rapid investigation.
Report via phone, email, branch visit, or, if available, through online banking secure message systems.
Compensation is considered for losses due to proven unauthorized transactions, subject to investigation and terms.
Clients can submit formal complaints for disputed transactions and have the right to investigation and regulatory escalation if unresolved.
Disputes can be handled by contacting customer service, providing documents, and, if unresolved, appealing to the regulator.
Some banks carry cyber insurance; customer funds may not be directly insured unless loss arises from the bank’s own error or breach.
Transfer fees vary by method (internal, domestic, international, mobile money); a full fee schedule is provided upon account opening or via website.
In-branch deposits are typically free; mobile money deposits and interbank transfers may incur standard service charges.
ATM and mobile money withdrawals incur set charges; teller withdrawals may have fees depending on account terms.
Currency conversion involves spread and/or commission fees disclosed at the time of transaction.
Account inactivity fees may be charged if an account remains dormant for an extended period, in accordance with published terms.
Many accounts incur monthly or annual maintenance charges as specified in the account's fee schedule.
Cancellation fees may apply for cheques or international wires that have not yet been fully processed.
Expedited or urgent processing (like same-day clearing) typically carries extra charges.
Banks are required to disclose all fees and charges transparently prior to service use.
Fees for large transactions are typically calculated as a percentage of the transferred amount, with possible upper/lower caps.
A range of personal and business accounts are available, each with unique fee structures and service inclusions.
VIP account holders enjoy benefits such as higher limits, dedicated relationship managers, and preferential rates.
Preferential terms may be granted by maintaining a high account balance, through negotiation, or by holding business or VIP status.
Some account types offer a certain number of fee-free transactions per month, as detailed in their tariff plan.
Active or high-value clients may qualify for discounts or fee waivers on some services.
Business accounts feature tailored tariff structures, sometimes with bundled services and custom rates for bulk transactions.
Custom pricing and terms may be available for large enterprise customers or those with special requirements.
Occasional promotions using codes may offer discounts for specific services or new clients.
Cashback offers are not typical for accounts, but some promotions may offer incentives; inquire with the bank.
High-volume clients may be eligible for negotiated fee reductions, subject to agreement and qualifying criteria.
Yes, First Community Bank has an official mobile application for digital banking.
The app is available for Android via Google Play Store and for iOS via the Apple App Store.
Functions include balance enquiry, funds transfer, bill payments, statement requests, and account management.
Some advanced features may be web-only; main transactional services are available on both platforms.
Latest app versions may support biometric login, subject to device capability.
Apps require an internet connection for banking transactions; limited read-only features (like last balance) may be available offline.
Push notifications about successful transactions, failed attempts, and security alerts are standard in the mobile app.
Dark theme may be available or under development, subject to app version and platform.
Updates are typically released quarterly or in response to regulatory or feature changes.
Banks may invite select customers to test beta versions ahead of major app releases.
The online banking interface is designed for user convenience, providing straightforward access to common features.
The web portal is mobile-responsive, adapting to different device screen sizes for convenient access.
English and Kiswahili are the primary interface languages.
Availability of night mode depends on current web design trends; it may be present on modern platforms.
Advanced functions such as hotkeys or keyboard shortcuts are not standard but may be available for accessibility.
Online and mobile banking usually permit export of statements and transaction history in formats such as PDF or CSV.
API access is generally available for business partners upon request for integration with business systems.
Integration with ERPs, accounting software, and third-party payment channels is supported for business accounts.
Updates are implemented as needed for security, regulatory compliance, or user experience improvements, typically several times yearly.
Issuance of virtual cards is not widely promoted but may be available for business or premium accounts.
Disposable card functionality is not standard but may be developed as the market evolves.
Multi-currency account options may be available for eligible business or personal clients.
Traditional savings and investment accounts like fixed deposits and Shariah-compliant investment schemes are offered.
As an Islamic bank, FCB pays profit rather than interest on savings according to Shariah principles.
Credit products include personal, business, and asset financing structured per Islamic finance contracts.
Peer-to-peer trading features are typically not standard in Kenyan commercial banks.
The purchase or sale of cryptocurrencies is not offered due to regulatory restrictions.
Merchant acquiring and POS solutions for businesses are available.
Mass payment/bulk disbursement solutions are available for business clients, e.g., payroll.
Loyalty programs are not a core offering; periodic customer reward campaigns and partnerships may occur.
Bonus point systems are not widely promoted; any available are likely through specific promotions.
Transaction-based cashback is not a widespread feature in Islamic banking, but may be offered in specific campaigns.
Referral campaigns may be run periodically to encourage client acquisition.
VIPs may have access to higher limits, dedicated managers, and priority service at branches.
Occasionally, the bank runs promotions tied to seasonal holidays or milestone events.
Premium account status is available, subject to eligibility such as higher balances or business needs.
Partnership discounts may be available during co-marketing campaigns with select merchants.
Corporate loyalty and reward programs can be negotiated for large institutional clients.
Licensed banks in Kenya do not actively promote online gambling payments; operations depend on regulations.
Regulatory restrictions may limit gambling-related transactions in compliance with national and international laws.
Accounts found violating terms related to gambling or suspicious activity may be subject to review or blocking.
As a Shariah-compliant bank, gambling is not encouraged and related transactions are likely not supported or outright refused.
No special conditions are offered; relevant transactions may be declined in accordance with Shariah and regulatory standards.
Transactions are monitored for suspicious activity; compliance checks include gambling if applicable.
All operations are recorded and visible to the bank for compliance; hiding transactions is not supported.
Banks notify customers of any transactions; specific gambling expense alerts are not standard.
Gambling-related transactions, if processed, incur normal transaction fees; extra fees may apply for compliance processing.
Limits can be set on card and digital transactions, but no specific gambling category controls are promoted.
Formal self-exclusion tools may not exist, but account restrictions can be requested.
Blocking gambling site payments can be requested, aligning with responsible banking practices.
Monitoring can be customer-initiated; banks can place transactional controls or restrictions at the client's request.
Exceeding spending limits always generates alerts or declines for security and compliance.
Yes, customers can request blocking of gambling transactions or these may be automatically restricted.
Such reporting is not standard; transaction categorization is possible in downloadable statements.
While not universally advertised, clients can request temporary account restrictions for personal reasons.
Advice or referral to professional help can be requested; some banks provide responsible gambling resources.
Direct partnerships are uncommon, but banks encourage financial literacy and responsible spending.
Clients can request specific transaction alerts, and banking apps can notify of all outgoing payments.
Online gambling with local Kenyan banks is not officially supported or promoted.
No known partnerships with online casinos are promoted.
As casino transactions are generally restricted, conditions do not vary.
No bonuses for gambling payments are available due to Shariah compliance.
Casino-related deposits and withdrawals are typically restricted or declined.
Payments for gambling may be prohibited based on jurisdiction or as per bank policy.
Processing is rarely supported; operators may redirect customers to alternative payment channels.
Not applicable as bank restricts these transactions.
Not applicable; transactions are generally not processed.
Incompatibility is standard due to policy restrictions on gambling transactions.