What is the official website of the payment service?
https://www.sidianbank.co.ke
https://www.sidianbank.co.ke
Customer support contacts are available in the "Contact Us" menu on the Sidian Bank official website.
+254 20 4221000
Sidian Bank does not publicly advertise a toll-free number; contact may incur standard call charges.
Most inquiries use [email protected]; specialized departments may have internal emails provided after initial contact.
Online chat support is typically not shown on the main website; users should check the Sidian Bank mobile app or internet banking portal.
Chat support availability is generally limited to regular business hours; 24/7 chat is not an industry norm for Kenyan banks.
Sidian Bank does not advertise support through Telegram or WhatsApp; communication is mainly through phone, email, or website forms.
Standard business hours are Monday to Friday, 8:30am–5:00pm, and Saturday, 9:00am–1:00pm; hours may vary by branch.
Limited support is available on Saturdays; holidays typically see reduced or no support availability unless stated otherwise.
As a licensed bank, Sidian Bank operates regional branches and locations for customer service across Kenya.
Headquarters at Sidian Centre, Ngong Road, Nairobi; branch locator available on official website for other locations nationwide.
Personal meetings can be scheduled by contacting the branch directly or through relationship managers.
Sidian Bank operates primarily in Kenya; there are no known international representative offices.
Support is available primarily in English and Kiswahili, common languages in Kenya's banking sector.
Email inquiries are typically answered within 24–48 hours; phone and in-branch services are handled in real time.
VIP or premier banking clients may receive priority service and have dedicated relationship managers.
Callbacks can be requested via website forms, phone, or by emailing customer support with a callback request.
Sidian Bank was established in 1989 in Kenya.
Sidian Bank has evolved from K-Rep Bank; majority ownership is held by Centum Investment Company Plc.
Sidian Bank originated as K-Rep Bank in 1989, rebranded in 2016, and expanded digital and SME banking services over time.
Major rebranding occurred in 2016, transitioning from K-Rep Bank to Sidian Bank to reflect a new focus on innovation and SME support.
The board includes representatives from Centum Investment and experienced Kenyan business leaders; full list available on the bank’s website.
Centum Investment Company Plc is the principal investor; Sidian partners with various fintech firms and service providers.
Sidian Bank itself is not publicly traded; its parent, Centum Investment Company Plc, is listed on the Nairobi Securities Exchange.
Market capitalization figures pertain to Centum Investment, not Sidian Bank directly, as Sidian is privately held.
Sidian Bank operates multiple branches throughout Kenya; no known separate subsidiaries.
Sidian Bank is licensed and regulated by the Central Bank of Kenya as a commercial bank.
Licensed to operate banking services throughout Kenya.
Sidian Bank does not publicly hold or advertise licenses for cryptocurrency operations.
As a Central Bank of Kenya regulated institution, full AML/KYC compliance is mandatory for all client accounts.
Kenya’s banks adhere to standards like PCI DSS for card payments and regularly update encryption protocols.
Banking institutions are subject to regular internal and external security audits by regulators and independent auditors.
Client funds are protected under the Kenya Deposit Insurance Corporation (KDIC) up to locally set limits.
Compliance includes PCI DSS, ISO/IEC 27001 for information security, and FATF recommendations for AML processes.
No notable public regulatory violations or fines have been reported for Sidian Bank.
User reviews are found on Google, Facebook, HelloPeter, Trustpilot, and local fintech forums.
Common complaints include loan processing delays, app connectivity issues, and occasional branch waiting times.
Users praise friendly staff, SME lending products, innovative digital services, and overall reliability.
Significant withdrawal delays are rarely reported; service is generally aligned with scheduled timelines.
The interface for both online banking and mobile app is rated as clear and easy to use by most users.
Transaction processing speed receives positive feedback, especially for internal and mobile transactions.
A majority of reviews indicate that users would recommend Sidian Bank to others, particularly SMEs.
Financial services analysts recognize Sidian Bank for strong reliability and a sound local reputation.
Sidian Bank has received nominations and awards for SME banking and innovation in Kenya.
Sidian Bank is listed in various Kenyan bank rankings, including KBA and business review reports.
Sidian Bank is fully licensed and recommended as a regulated bank by the Central Bank of Kenya.
Sidian Bank maintains a strong reputation among local fintech partners and merchant service providers.
Sidian Bank is noted for innovation in SME lending and adopting new digital banking technologies.
Banks seek ISO certifications and customer service awards, reflecting adherence to quality management standards.
Sidian Bank regularly attends Kenyan banking and fintech conferences, and regional industry events.
Sidian Bank markets itself as a premier SME-focused, innovative banking service with digital capabilities.
Kenyan Shilling (KES) is the primary currency; select forex products may support USD, EUR, GBP.
Cryptocurrency products are not currently supported by Sidian Bank.
Sidian Bank does not have a proprietary token or digital currency offering.
Foreign currency conversion is available for select types of accounts and business services.
Sidian Bank uses prevailing market and Central Bank rates for forex transactions; rates are published daily.
Exchange rates are updated daily in accordance with central bank and market fluctuations.
Stablecoin support is not offered by Sidian Bank.
Sidian Bank primarily processes major global currencies, with limited support for exotic currencies in forex products.
Currency processing restrictions may apply according to Kenyan law and international banking standards.
Local interbank, internal transfers, SWIFT, RTGS, mobile money, and bill payment transactions are supported.
Customer-to-customer account transfers are supported through mobile banking and online platforms.
Transfers to bank cards are enabled via mobile money (e.g., M-Pesa) and some card products.
Direct bank account transfers are supported via online, mobile, and branch banking.
Bill payment for utilities, school fees, retail merchants, and other local payees is available through various channels.
Automatic and recurring payment setups are available in mobile and online banking platforms.
Customers may configure automatic regular transfers between Sidian accounts or to external banks.
Payment scheduling for future-dated transactions is offered on digital banking platforms.
Group payments or split payments may be available for business and retail clients via specific products.
Payment link generation is not a standard feature; businesses may inquire about merchant services.
Minimum amounts depend on payment type; typically KES100 for digital transfers.
Maximum transfer amounts depend on user verification, platform, and regulatory limits; business clients may access higher limits.
Daily transaction caps are set for security and compliance; limits differ by account type and user verification.
Monthly and annual transfer limits apply for certain products and account segments, following regulatory requirements.
Limits can often be increased based on account upgrade, verification status, and a formal client request.
Verified users generally have access to higher transaction limits and advanced banking services.
New accounts may carry temporary limits until profile verification and account activation processes are completed.
Special limits may apply for cross-border transfers according to international compliance and Kenyan regulations.
Accounts and operations can be temporarily blocked due to suspicious activity, compliance, or customer request.
Daily limits on transaction count may apply for security, regulatory, or risk management reasons.
Minimum initial deposit for account funding is set by product type; personal accounts often require KES500–1,000.
Cash deposit, funds transfer, mobile money, cheque deposits, and wire transfer are supported.
Cash deposits typically do not incur fees; wire transfers, cheque processing, and mobile money may have associated costs.
The minimum funding threshold depends on account type; personal savings and mobile accounts have low entry points.
Funding via cash, mobile money, and internal transfer is typically instant; external transfers may take 1–2 business days.
Money can be withdrawn from Sidian Bank via ATM, over-the-counter, mobile money, or electronic transfer.
Withdrawal fees depend on the method; ATM withdrawals charge standard rates, and mobile money transfers may incur transaction fees.
ATM and branch withdrawals are immediate; electronic or mobile withdrawals process within minutes; external bank transfers take 1–2 business days.
Withdrawal limits are set per transaction, per day, or account type, adhering to regulatory guidelines.
Card funding through ATMs or branch terminals is credited nearly instantly within banking hours.
Local bank transfers typically complete within the same day or next business day.
As Sidian Bank does not support crypto, this service is unavailable.
Internal transfers within Sidian Bank are processed instantly, barring network or compliance delays.
Weekend funding may be delayed if external bank networks are not operational; mobile and ATM transactions typically remain available.
Public holidays may delay interbank transfers; mobile and internal transfer systems usually operate unless scheduled downtime.
Express or priority processing is not a standard feature; clients can request expedited service for critical cases.
Funding speed depends on transfer type, compliance checks, banking partner networks, and operational hours.
Clients receive SMS, email, and app notifications upon successful funding and account updates.
If funding is delayed, contact customer support, provide transaction details, and request tracking or escalation.
Withdrawal requests via ATM and branch are processed instantly; external transfer processing depends on involved banks.
Card withdrawals from ATMs take seconds; manual card withdrawal at branches is immediate.
Bank transfer arrival depends on route; local transfers often credit same day, but may take up to 24 hours.
Cryptocurrency withdrawal is not supported by Sidian Bank.
Weekend withdrawal may be delayed if partner banks are closed; ATM and mobile withdrawals usually proceed.
Public holidays can delay withdrawal processing between banks; Sidian Bank’s own network may operate on a limited basis.
Accelerated withdrawal is generally not offered; urgent cases may be managed through branch escalation.
Withdrawal speed depends on chosen method, bank partners, compliance reviews, day and time of request.
Withdrawal status notifications are sent via SMS, email, or app notification depending on user preferences.
Withdrawals already processed cannot be canceled; pending requests may be canceled by contacting support directly and promptly.
Registration takes place at branches, via mobile app, or online portal; applicant provides ID and completes required forms.
National ID or passport, phone number, address, next of kin, and other contact details must be provided for account opening.
Registration is possible without an email, provided other contact details such as phone number are supplied.
Phone verification is standard to activate mobile banking and enhance account security.
Users generally must be at least 18 years old to open bank accounts per Kenyan regulations.
Corporate and SME accounts are available with business documentation, company registration papers, director identification, and tax PIN.
Valid and real data are required according to national AML/KYC policy and banking standards.
Only Kenyan residents and businesses or those meeting cross-border criteria may register for Sidian Bank accounts.
Account activation completes within 1–3 business days, subject to documentation and compliance review.
Standard, enhanced (for high-volume or corporate accounts), and additional verification for high-risk transactions.
National ID or passport, address proof, recent photo, and contact details are needed for basic verification.
Full verification for business and high-risk accounts requires additional business registration, tax PIN, and directorship documents.
Digital copies are accepted for online registration; originals may be required for some account types.
Verification processing is typically completed in 1–3 business days depending on volume.
Limited service may be available pre-verification; most operations require verified status as per bank policy.
Unverified accounts have limited transaction and funding capabilities, and higher funds transfer levels are restricted.
Yes, address confirmation is required in line with KYC and AML requirements.
Photos and selfies may be required for online or app-based account registration and KYC compliance.
Documents are updated when expired, for changes in client status, or during periodic compliance reviews.
Sidian Bank uses SSL/TLS encryption and secure password protocols to protect digital banking data.
Two-factor authentication is offered for mobile and online banking access as an added security measure.
SMS confirmations are provided for account transactions, transfers, and security alerts to registered phone numbers.
Mobile app and branch services may use fingerprint authentication; advanced biometric features are being implemented across Kenya.
Sidian Bank does not currently use blockchain for payment processing or authentication.
Sidian Bank employs multi-layered security including firewalls, encryption, user authentication, and transaction monitoring.
User data is safeguarded by privacy policies, encrypted storage, and strict access controls under Kenyan banking law.
Cryptocurrency storage is not applicable; Sidian Bank does not hold or process digital assets.
Infrastructure includes DDoS mitigation measures to protect digital properties from service disruptions.
Regular internal, external, and regulatory security audits are conducted per banking compliance requirements.
Sidian Bank uses email notifications, awareness campaigns, and security features to protect clients against phishing.
Transaction monitoring systems are in place to detect and respond to suspicious or anomalous account activity.
AML protocols, transaction limits, source-of-funds checks, and regulatory compliance are strictly enforced.
Suspicious accounts are blocked or frozen pending investigation as part of anti-fraud and AML practices.
Report cases promptly by contacting customer support, providing details, and cooperate with the bank’s fraud investigation unit.
Suspicious activity can be reported via email, phone, in-branch, or through online banking portals.
Compensation depends on investigation outcomes and terms; banks strive to resolve and protect client interests if fraud is proven.
Users have the right to dispute transactions through the bank’s formal claims and investigation procedures.
Disputes regarding account blocking can be raised by contacting support and providing required verification details.
Sidian Bank maintains cyber risk insurance and data breach response plans per industry standards.
Transfer fees depend on method, amount, and destination; local transfers are generally low-cost, while international transfers incur higher fees.
Funding via cash and internal transfers usually has no fee; external wire and mobile money funding may involve transaction fees.
Withdrawal fees vary by method—ATMs have fixed rates, branch and mobile money have per-transaction charges.
Currency conversion incurs service margins and rates published by Sidian Bank.
Standard practice does not impose inactivity fees; dormant accounts may attract reactivation processing fees.
Personal and business accounts may have monthly or annual maintenance fees, stated in bank’s tariff guides.
Cancellation fees are not common, but reversing processed transactions may involve service charges.
Expedited processing is subject to special arrangement fees for urgent or premium clients.
Sidian Bank discloses fees transparently in account agreements and banking guides; hidden fees are prohibited by regulation.
Large transaction fees are calculated based on volume, method, and cross-border considerations, as per published tariffs.
Personal, business, and SME accounts offer different tariff and pricing plans with varied benefits.
VIP accounts feature dedicated managers, priority service, higher limits, and premium banking products.
Preferential terms may be obtained by maintaining high balances, conducting frequent transactions, or applying for premium account upgrades.
Some account plans offer free intra-bank transfers or a set number of free monthly ATM withdrawals.
Active users may qualify for reduced fees or special offers based on usage and transactional history.
Business and corporate accounts have tailored tariffs, bulk pricing, and specialized payment features.
Sidian Bank may offer custom pricing for high-value clients, subject to negotiation and agreement.
Promotional codes and campaigns for fee reductions may be run occasionally for new digital banking users.
Cashback is generally not standard in retail banking, but promotional campaigns may occasionally offer rewards.
Volume-based pricing and discounts apply to corporate and business accounts with high monthly transaction activity.
Sidian Bank offers an official mobile app for banking services.
The mobile app is available on both Android and iOS platforms via Google Play and App Store.
Mobile app features include balance inquiry, transfers, bill payments, loan application, transaction notifications, and card management.
Core banking functions are consistent; some advanced services or administrative features may be web-only.
Biometric authentication, including Touch ID and Face ID, is supported in the mobile app for secure login.
The app requires internet connectivity for transactions; limited account information may be accessible offline.
Push notifications are sent for transactions, account updates, and system alerts within the mobile app.
Dark mode is available in the latest mobile app releases.
The app is updated quarterly or as needed to address security, features, and compliance requirements.
Beta testing may be offered during major feature upgrades; interested clients can apply via the app or website.
The online banking website is user-friendly, with clear navigation and account overview features.
Sidian Bank’s web portal is mobile-responsive and accessible across most devices.
The interface supports English and Kiswahili, suitable for the Kenyan market.
Night/dark mode may be available on the web portal for user comfort.
Standard web navigation hotkeys are supported for efficiency and accessibility.
Transaction lists and account statements can be exported in PDF or CSV formats through online banking.
Sidian Bank may provide APIs for business partners; direct developer API documentation is available upon request.
Integration with payment gateways, mobile money, and select business software solutions is supported.
The web banking interface is reviewed and updated periodically to improve security and user experience.
Virtual card services may be available for select account types or upon client request.
Disposable, temporary cards may be offered for specific digital transactions or merchant use.
Multi-currency accounts are available for business clients and select personal accounts.
Sidian Bank offers investment products such as fixed deposits, Treasury bills/bonds, and savings options.
Interest is paid on select savings, fixed deposit, and investment accounts as per published rates.
Credit cards, personal loans, business loans, asset financing, and overdraft facilities are available.
Peer-to-peer trading is not offered as a standalone banking feature.
Cryptocurrency buying or selling is not supported by Sidian Bank.
Merchant acquiring, POS terminals, and payment gateways are available for business customers.
Bulk payment and payroll solutions are offered for business clients requiring mass payouts.
Loyalty programs for frequent users may be promoted seasonally or linked with partner campaigns.
Bonus or reward points can be earned via promotional campaigns, product usage, and partner services.
Cashback rewards may be provided during special campaigns or promotions for mobile and card transactions.
Referral programs may periodically offer rewards for inviting new clients to open accounts or download apps.
VIPs receive personal relationship managers, priority service, custom limits, and exclusive product access.
Sidian Bank regularly features seasonal campaigns, rate discounts, and product promotions.
Premium account upgrades are available based on transaction history, balance, or client request.
Sidian Bank collaborates with select merchants and service providers to offer partner discounts to customers.
Corporate and business clients may access loyalty programs for transaction volumes and partnership engagement.
Sidian Bank prohibits transactions with online gambling or casino operators in line with national regulations.
Transactions related to gambling may be blocked or declined based on Kenyan banking regulations.
Accounts may be restricted if used for prohibited gambling activities, per compliance standards.
Sidian Bank follows strict guidelines regarding gambling; transactions considered risky or non-compliant may be rejected.
No special allowances; transactions are monitored and restricted in accordance with legal requirements.
Sidian Bank monitors and may block transactions linked to gambling and flagged accounts.
Transactions cannot be hidden; financial institutions must report suspicious or restricted activities.
Notifications for flagged gambling transactions may be provided in response to compliance monitoring.
Gambling-related transactions may incur special fees or may simply be blocked outright due to legal policy.
Transaction monitoring and account rules may enforce limits or blocks on gambling-related payments.
Self-exclusion features for gambling-related transactions may not be standard in banking, but clients can request account limitations.
Sidian Bank can restrict account use for known gambling sites as part of regulatory compliance.
Expense management tools exist, but gambling-specific controls are limited; clients can monitor transaction categories.
Alerts are sent for transactions exceeding set limits, including those flagged as gambling related.
Yes, Sidian Bank can block transactions to online casinos and gambling sites.
General expense analytics are available, but gambling-specific breakdowns may not be standard.
"Cooling-off" periods are not officially offered, but account restrictions can be requested for a set duration.
Sidian Bank can recommend self-exclusion and provide resource contacts, but does not offer direct counseling.
Direct partnerships are not advertised; clients may be referred to local support organizations.
Notifications for gambling expenses can be configured in transaction categorization or by requesting custom alerts.
Sidian Bank does not officially support transactions to online casinos.
No exclusive casino payment partnerships are listed or supported.
Conditions are uniform and reflect banking regulations; transactions to casinos are generally restricted.
No known bonuses or incentives exist for casino transactions.
Sidian Bank restricts both deposit and withdrawal operations with casino platforms.
Kenyan banking regulations restrict casino transactions; geographic restrictions follow local laws.
Casino transactions originating from Sidian Bank accounts are typically blocked or denied.
Not applicable, as transactions to casinos are generally unsupported or restricted.
Casino fees are not applicable as Sidian Bank does not permit gambling transactions.
Sidian Bank is not compatible with online gambling platforms due to compliance with Kenyan legal restrictions.