What is the official website of the payment service?
https://www.imbankgroup.com/ke/
https://www.imbankgroup.com/ke/
Visit the “Contact Us” page on the official website or check the footer for customer care phone numbers and emails.
+254 20 322 1000
I&M Bank provides a local support number; specific toll-free lines may not be widely publicized.
Yes, general customer care uses [email protected]; other departments may have unique emails listed on the website.
Online chat is accessible on the I&M Bank Kenya website main page as an interactive widget during business hours.
Chat support typically follows regular working hours and is not available 24/7 at most banks, including I&M Bank.
I&M Bank Kenya offers WhatsApp support via +254 719 088 000; Telegram support is not specified.
Standard support operates Monday to Friday from 8:30am to 5:00pm; limited services may be available on weekends.
Limited or no support on weekends and public holidays; urgent matters are sometimes handled via hotline or WhatsApp.
I&M Bank operates regional and branch offices throughout Kenya for face-to-face service.
Main office – I&M Bank House, 2nd Ngong Avenue, Nairobi; many branches exist in Kenyan towns and cities.
Appointments for personal meetings can be scheduled via phone, email, or by visiting a branch to request an advisor.
I&M Bank Group has presences in Kenya, Tanzania, Uganda, Rwanda, and Mauritius, but no global representatives outside Africa.
Support is primarily available in English and Swahili; other languages are generally not supported.
Response times range from instant (for chat/phone) to 24-48 hours for email, based on volume and inquiry complexity.
Priority and personalized support services are available for Premier, Business, and corporate/VIP clients.
Callback can be requested via online contact form, phone, or email; a representative usually responds within one business day.
I&M Bank Kenya was founded in 1974.
I&M Bank was founded by Suresh Bhagwanji Raja Shah and commercial partners; ownership is through I&M Holdings Plc.
Started as a community finance house in 1974, transitioned to a commercial bank in 1996, expanded regionally, and is now listed on the Nairobi Securities Exchange.
I&M Bank has rebranded and updated offerings multiple times, including a shift to digital banking and introducing mobile/online platforms.
The board comprises members like S.B.R. Shah (Chairman), Sarit S. Raja Shah, Daniel Ndonye, and other prominent regional business leaders.
Major shareholders include I&M Holdings Plc and international development finance organizations; strategic partners include VISA, Mastercard, and local fintechs.
Yes, I&M Holdings Plc is publicly listed on the Nairobi Securities Exchange (NSE).
Market capitalization fluctuates; refer to the latest NSE data for precise current figures.
Yes, subsidiaries include I&M Bank branches in Tanzania, Rwanda, Uganda, and Mauritius, as well as I&M Capital and other entities.
Licensed by the Central Bank of Kenya as a commercial bank and authorized to offer a range of payment and financial services.
Kenya, Tanzania, Rwanda, Uganda, Mauritius.
As of now, I&M Bank does not advertise licenses or support for cryptocurrency activities.
Compliance with stringent AML (Anti-Money Laundering) and KYC (Know Your Customer) protocols is standard.
Card processing and digital channels utilize PCI DSS compliance and other security standards, but details may vary by service.
Regular internal and external audits are conducted to maintain regulatory and security compliance.
Deposits are protected under Kenya’s Deposit Insurance Corporation up to the insured limits set by law.
Compliance includes PCI DSS for card payments, ISO/IEC for information security, and CBK-mandated standards.
No high-profile regulatory fines or penalties are publicly documented for I&M Bank as of recent records.
User reviews are on Google, Apple App Store, Facebook, HelloPeter, and Trustpilot.
Common complaints include delays in transaction posting, digital app glitches, and long in-branch wait times.
Users praise courteous staff, broad branch/ATM network, and fast mobile/online banking features.
Occasional delays may be reported due to network or interbank clearing but no widespread systemic issues.
The web and mobile interfaces are rated user-friendly, though some users note occasional lag during updates.
Most clients express satisfaction with transaction speeds, particularly for instant payments and in-country transfers.
A majority of users indicate they would recommend I&M Bank to others, especially for mainstream banking.
Experts view the bank as robust, secure, and well-regulated within the Kenyan banking sector.
I&M Bank has received multiple awards, including for best corporate and digital banking in Kenya.
Yes, participates in local and regional rankings for digital and retail banking performance.
The bank is a licensed entity in good standing with the Central Bank and other local regulators.
Seen as a reliable and innovative partner by international card networks and local business clients.
I&M Bank is recognized for innovation in digital banking and payments, such as integration with mobile wallets.
Quality certifications in banking services are maintained, such as ISO/IEC, but specific certificates may not be detailed publicly.
I&M Bank regularly attends and sponsors banking and fintech conferences in Africa.
Positions as a customer-centric, technology-driven, and relationship-focused financial services leader in East Africa.
Primarily supports Kenyan Shilling (KES), US Dollar (USD), Euro (EUR), Pound Sterling (GBP); others available for foreign exchange clients.
No official cryptocurrency support; no listed coin or token support.
No proprietary cryptocurrency or digital token.
Currency conversion is available at branches and via select digital channels for supported pairs.
Bank uses its own published forex rates, benchmarked against market sources, for conversions.
Exchange rates are updated daily on business days or more often as per market movement.
No support for stablecoins within current products.
Well-known exotic currencies may be available for trade or order at selected branches; advance arrangements may be necessary.
Currency handling is subject to Kenyan and cross-border financial regulations; restrictions apply in sanctioned or high-risk jurisdictions.
Supports intra-bank, interbank, international wire (SWIFT), RTGS, EFT, mobile money transfers, and in-branch payments.
Yes, immediate internal transfers are supported between I&M Bank accounts.
Transfers to debit/credit cards are usually supported through card-linked services.
Yes, supports both local and international bank account transfers.
Bill payment for utilities and other services is supported via digital channels and branches.
Users can set up standing orders and scheduled bill payments.
Automated transfer services, including regular debits and standing orders, are offered.
Scheduled payments and future-dated transactions are supported for certain services.
Specific group payment features may be offered for business/treasury clients or as custom corporate solutions.
Online payment link generation is typically offered via merchant and e-commerce solutions, not for retail customers.
Minimums vary by type—often KES 1–100 for most channels; international transfers may have higher minimums.
Maximums are set per channel and compliance—commonly up to KES 1,000,000 per day for individuals, higher for corporates.
Yes, daily transaction limits apply based on account type, channel, and verification level.
Higher-tier accounts have increased monthly/annual limits; limits depend on compliance rules and risk profiles.
Yes, by applying via branch, providing additional documentation, and fulfilling KYC requirements.
Verified users enjoy higher limits and access to larger transactions.
Initial lower limits and additional monitoring may apply to new accounts until full verification.
Cross-border and non-resident limits apply as per Kenyan and partner jurisdiction regulations.
Accounts can be temporarily restricted for security screening, compliance checks, or at owner’s request.
Daily transaction caps may be in place to limit the volume or total value of operations per client.
Minimum deposit requirements may apply, often KES 100 or higher depending on funding method.
Account funding via cash deposit, cheque, bank transfer, mobile money (M-Pesa, Airtel Money), card payments.
Most in-bank and mobile deposits are free; cheque/third-party transfers may incur fees.
Minimums depend on channel, often starting from KES 100–500 per transaction.
Cash and mobile transfers are usually instant; cheques and interbank may take up to 2 business days.
Withdrawals can be made via ATM, branch counter, agent, bank card, or transfer to other account.
ATM withdrawals may incur fees; in-bank and electronic transfer fees apply per schedule.
ATM withdrawals are instant; bank transfers may take 1–3 days, depending on destination.
ATM and mobile withdrawals typically limited to KES 40,000–100,000 per day; branch/online higher by agreement.
Card funding is generally credited within minutes if processed via POS or digital channels.
Local transfers typically 1–2 business days; international (SWIFT) 2–5 business days.
Not supported; no cryptocurrency funding or transfers.
Internal transfers are processed instantly or within minutes.
Electronic and ATM deposits are instant; interbank or cheque funding may be delayed until the next business day.
National holidays may delay clearing and processing of interbank or cheque deposits.
Priority/express clearance for cheques or certain payments may be available for an additional fee.
Method used, verification status, banking hours, and third-party system availability influence funding speed.
Clients are notified via SMS, email, or app notifications for successful funding and issues.
Contact customer support or visit a branch with proof of transaction for investigation and resolution.
ATM and mobile withdrawals are instant; other electronic and cheque withdrawals processed within official clearing timeframes.
ATM withdrawals are processed instantly.
Interbank local transfers take 1–2 business days; international transfers may take up to 5 business days.
Not applicable, as I&M Bank does not support cryptocurrency withdrawals.
Withdrawals via ATM are available weekends; bank, cheque, or interbank transfer may be delayed to business days.
Holidays may delay interbank, cheque, and branch withdrawals.
Express processing may be available for some services for a fee; not standard for all channels.
Channel, clearance procedures, security checks, and external banking hours affect withdrawal speed.
Clients are notified by SMS, email, or app on withdrawal status and completion.
Cancellations are possible before final processing; must contact branch/support quickly.
Registration is available in branch, via online forms, or on the mobile app, requiring personal/ID details.
Full legal name, date of birth, ID/passport, address, phone number, email, occupation, and KRA PIN (Kenyan tax ID).
Email is generally required for digital channels, though some in-person registration may allow exceptions.
Phone number and SMS/OTP confirmation are required for digital banking services.
Standard minimum age is 18 years for account opening; guardianship accounts for minors may be available.
Yes; businesses can open current, savings, or specialized accounts on providing company documents and resolutions.
Real and verifiable identification data is mandatory for compliance with KYC requirements.
Non-residents may be subject to additional restrictions and documentation requirements.
Activation is typically same-day for in-branch, up to 48 hours for online/digital applications.
Personal, business, and higher-tier (Premier) accounts may have different verification and documentation requirements.
Basic ID (national ID or passport), proof of address, tax identification; business accounts need registration documents.
Enhanced verification requires additional income proof, business registration, and sometimes reference letters.
Digital uploads are accepted for online banking registration, but originals must be presented in branch if required.
In-branch, within hours to one day; online, up to 1–2 working days depending on complexity.
Use is highly restricted without KYC verification; limited inquiry access only.
No or minimal transaction ability (view-only), no transfers, funding, or withdrawals until verification completed.
Proof of address is required for full activation, using utility bill or official correspondence.
May be requested during online registration or for enhanced verification.
Documents are updated upon expiry or as required by regulation (e.g., every 1–5 years).
Uses SSL/TLS encryption for web/app, along with card-industry standards for payment security.
2FA via OTP codes and app-based authentication is standard for online and mobile transactions.
Yes, SMS or app-based confirmations are required for most sensitive transactions.
Mobile app supports biometric authentication (Touch ID, Face ID, fingerprint) on compatible devices.
I&M Bank does not utilize blockchain technology for its core banking or payment services.
Multiple security layers are in place, including passwords, 2FA, and device authentication.
Personal data follows data protection laws and is stored securely, with access limited to authorized personnel.
Not applicable; the bank does not handle cryptocurrencies.
Standard DDoS mitigation and firewalls safeguard digital platforms from large-scale attacks.
Periodic security audits are performed internally and by external auditors as required by regulators.
Website and app include anti-phishing warnings, user advice, and secure login pages with unique identifiers.
Automated systems monitor for suspicious activity, fraud, and money laundering; alerts are generated for investigation.
Implements KYC, ongoing transaction monitoring, risk-based profiling, and regulatory reporting obligations.
Accounts with suspicious activity are blocked, frozen, or restricted pending investigation.
Immediately report to customer support or visit the nearest branch; accounts may be secured and investigated.
Suspicious transactions can be reported by phone, email, or in-branch—escalated immediately to compliance.
Compensation depends on investigation outcome; clients may be reimbursed if negligence is not on their part.
Users have the right to raise disputes; banks follow regulated procedures to resolve claims, with escalation options.
Contact customer support in writing or in-branch; cases are reviewed per regulatory and internal policies.
Banks generally have cyber insurance for business continuity, but not always for individual client losses.
Fees vary by transfer type—ATM, mobile, interbank, and international—usually listed on the tariff page or available in-branch.
In-branch and mobile account funding is usually free; cheque and third-party bank transfers may incur charges.
Withdrawal fees apply to ATMs (especially from other banks), over-the-counter (OTC), and electronic transfers.
Currency conversion involves a margin built into the buy/sell rates and may include an explicit commission.
Inactivity fees may apply for dormant accounts as per policy and regulatory guidelines.
Maintenance fees vary by account type—waived for basic accounts, but charged for premium or business accounts.
Cancelled transactions usually do not attract fees unless expenses have already been incurred.
Express/priority processing of certain payments may incur charges.
Fees are transparently disclosed; clients are encouraged to review published tariffs.
Large transfer fees are typically calculated as a flat fee plus a percentage of the transferred sum, per published tariff.
Yes, there are standard, premium, and specialized tariffs for different client types and products.
VIP accounts offer priority service, higher transaction limits, dedicated relationship managers, and exclusive products.
Qualify for preferential rates/conditions by maintaining high balances, frequent transactions, or subscribing to premium account packages.
Some personal and business packages offer free monthly transactions or withdrawals within set limits.
Loyalty or activity-based discounts may be available for active clients—specifics depend on current promotions.
Specialized tariffs are available for business and corporate customers with higher limits and bespoke services.
Clients with significant business or balances may negotiate for custom pricing or bundled service terms.
Promotional codes or campaigns may be periodically offered for reduced fees on digital channels.
Specific cashback rewards may be offered via card promotions or select partner transactions, subject to terms.
High-volume users or businesses may be eligible for tiered fee reductions or rebates.
Yes, I&M Bank KE App and I&M On The Go (iMOTG) are official banking apps.
Available on Android (Google Play) and iOS (App Store).
Account management, transfers, bill payment, statement request, card control, FX conversion, and more.
Most functions are mirrored, but some advanced or business services may only be accessible via web.
Supported on compatible iOS and Android devices.
No, an internet connection is required for app operations.
Yes, the mobile app issues push notifications for transactions and important account activity.
Dark theme is supported in most recent app versions.
Updates are released periodically, typically every 1–3 months for enhancements and bug fixes.
Beta versions may be available to select users or via invitation for early feature testing.
The web interface is designed for ease of use, supporting a range of popular browsers.
Yes, the website supports responsive design for optimal viewing on different devices.
Primarily English; Swahili support is available on some platforms.
Night/dark mode is currently available for the mobile app and may be partially implemented on the web version.
Most banking web platforms have limited hotkey support; specific shortcuts are generally not widely used.
Statements and transaction histories can be exported in PDF, CSV, or Excel from digital channels.
Open APIs are provided for approved business clients to integrate financial products and services.
Integration with payment, ERP, and accounting solutions is supported for business users.
Web interface is updated for security and feature enhancements, typically every 2–3 months.
Virtual debit cards are offered for secure online transactions via select channels.
Disposable/one-time-use virtual cards are generally not standard but may be possible via card control settings.
Certain accounts allow holding balances in multiple currencies, especially USD, EUR, GBP.
Yes, includes fixed deposits, treasury bills, unit trusts, and wealth management products.
Savings and some current accounts offer interest; rates vary by product.
Personal loans, business loans, mortgages, overdrafts, credit cards.
P2P (peer-to-peer) trading platforms are not part of core services; only supported for business partners in limited capacities.
No, I&M Bank does not offer cryptocurrency trading services.
Merchant acquiring services (POS, e-commerce payment gateway) are available for business customers.
Mass payment solutions are available for payroll and business payments.
Customer and cardholder loyalty programs may be available for eligible account holders.
Points can be earned through card transactions or participation in specific promotions.
Cashback promotions exist for certain cards or campaigns.
Periodic client referral campaigns are offered with incentives.
Premium clients get higher limits, exclusive products, personalized service, and priority call handling.
Regular seasonal promotions are run on accounts, cards, loans, and merchant services.
Premium accounts are available by maintaining set balances or meeting specified criteria.
Partner merchants may offer exclusive discounts to I&M Bank cardholders.
Corporate and SME clients may access special rewards or rebates based on usage.
Transactions to gambling/online casino sites may be restricted in line with Kenyan regulations and risk protocols.
Gambling transactions may be blocked or monitored; allowed only if compliant with Kenyan financial laws.
Accounts may be restricted or blocked for unauthorized gambling activity, according to risk management policy.
Follows regulatory requirements; prioritizes compliance, responsible use, and risk management.
Specific conditions may apply; contact branch for eligibility on casino-related transactions.
Transactions flagged as gambling are monitored for compliance with law and risk controls.
Full transparency is required due to anti-money laundering laws; hiding gambling spend is not permitted.
Notifications are provided for all transactions, including gambling-related, via SMS and app.
Gambling transactions may be subject to special fees or higher scrutiny per bank policy.
Spending or transaction limits may be set on request by a client for gambling-related merchant codes.
Self-exclusion is not widely available, but clients may request account restrictions for gambling.
Access to gambling merchants can be blocked on request, or per regulatory requirements.
Expense controls and transaction monitoring can help manage gambling-related spending.
Transaction alerts are sent if a spending or daily limit is exceeded, including for gambling.
Yes, operations coded for gambling or casinos can be blocked per risk or compliance policy.
Detailed spending analysis, including gambling expenses, may be available via statement download or app insights.
"Cooling-off" or voluntary temporary account blocks for gambling are not standard but may be arranged on request.
Bank staff can provide information on external support organizations for gambling-related issues.
No formalized partnerships are widely publicized, but referrals may be provided.
Alerts can be set up via mobile app/online banking to track all transaction categories.
Acceptance of I&M Bank cards and transfers depends on casino operator; not universally accepted.
No known exclusivity with any casino operators as of recent information.
Terms depend on the casino’s policies and payment acquirer arrangement.
No advertised bonuses for casino use of I&M Bank payment methods.
Usability for deposits/withdrawals with casinos depends on the online casino and card network acceptance.
Kenyan and international regulations may restrict gambling-related usage in certain countries.
Casino operators process these transactions using standard card payment or bank transfer mechanisms, subject to regulatory controls.
Processing times are standard—instantly for card payments, up to 3–7 days for bank transfers.
Additional operator fees may be applied by the casino in addition to standard bank charges.
Some casino platforms may not accept Kenyan bank cards due to geographic or network restrictions.