NCBA Bank Kenya PLC
Formed from the merger of NIC Bank and Commercial Bank of Africa — retail, corporate, and digital banking through 60+ branches nationwide since 2019.
🏦 Tier 1 Commercial Bank
📅 Licensed 5 November 2019 (NIC/CBA Merger)
🏢 60 Branches, 11 Agencies
📋 About NCBA Bank Kenya
NCBA Bank Kenya PLC was formed through the 2019 merger of NIC Bank and Commercial Bank of Africa (CBA), officially licensed by the Central Bank of Kenya on 5th November 2019. The merger brought together NIC Bank’s asset finance expertise with CBA’s strength in digital banking and mobile lending, creating one of Kenya’s largest commercial banks by assets. NCBA Bank’s head office, NCBA Centre, is located at the junction of Mara Road and Ragati Road, Upper Hill, Nairobi, and houses the bank’s premier banking lounges alongside a full range of retail and corporate services.
NCBA Bank Kenya offers a comprehensive suite of financial products spanning retail banking, corporate banking, investment services, asset finance, bancassurance, and leasing, complemented by innovative digital platforms including M-Shwari, the mobile savings and loans product built in partnership with Safaricom, and the NCBA Loop digital banking app. As of the most recent count, NCBA Bank operates 60 branches and 11 agencies across Kenya, with a significant concentration in Nairobi County, alongside a regional presence extending to NCBA Rwanda, NCBA Uganda, and NCBA Tanzania.
🏷️ Company Details
| Type | Tier 1 Commercial Bank |
| Formed | 2019 (Merger of NIC Bank & Commercial Bank of Africa) |
| Licensed | 5 November 2019, Central Bank of Kenya |
| Head Office | NCBA Centre, Mara Road/Ragati Road, Upper Hill, Nairobi |
| City | Nairobi, Kenya |
| Postal Address | P.O. Box 44599-00100, Nairobi, Kenya |
| Branches / Agencies | 60 Branches, 11 Agencies |
| Regional Presence | NCBA Rwanda, NCBA Uganda, NCBA Tanzania |
| Customer Contact Centre | +254 20 2884444 |
| Toll-Free | 0800 720 444 |
| Mobile | +254 711 056444 / +254 732 156444 |
| Whistleblow Line (Toll-Free) | 0800 722626 |
| M-PESA Paybill | 880100 |
| Website | ncbagroup.com/ke |
⚙️ Products & Services
🔵 Corporate Banking
🔵 Investment Banking
🔵 Asset Finance
🔵 M-Shwari (Mobile Savings & Loans)
🔵 NCBA Loop Digital Banking App
🔵 NCBA Bancassurance
🔵 NCBA Leasing
🔵 Premier Banking Lounges
🔵 Wealth Management
🔵 24/7 ATM & Cash Deposit Machines
🏢 Branch Locations & Contacts
| Branch | Location |
| Head Office (Upper Hill) | NCBA Centre, Mara Road/Ragati Road, Upper Hill, Nairobi |
| ABC Place | ABC Place New Building, Waiyaki Way, Westlands, Nairobi |
| Galleria Mall | Galleria Shopping Mall, 1st Floor, Langata Road (Next to Carrefour), Nairobi |
| Buruburu | The Point, Rabai Road, Off Jogoo Road, Nairobi |
| Ciata City | Ciata City Mall, Kiambu Road, Nairobi |
| Moi Avenue | Moi Avenue, Nairobi CBD |
| Mombasa (Moi Avenue) | NCBA Building, Moi Avenue, Mombasa |
| Mwembe Tayari (Mombasa) | Mwembe Tayari Mall, Mombasa |
| Changamwe (Magongo Road) | Airport Centre, Ground Floor, Magongo Road, Mombasa |
| Nakuru (Kenyatta Avenue) | CBA Centre, Kenyatta Avenue, Nakuru |
| Nakuru (Moi Road) | Tower One Building, Moi Road, Nakuru |
| Bungoma | Coffee Garden House, Moi Avenue, Bungoma |
| Busia | Benna Plaza, Busia Highway, Busia |
| Embu | Sparko Building, Kenyatta Highway, Embu |
NCBA Bank operates 60 branches and 11 agencies nationwide. All branches share the central contact numbers (+254 711 056444 / +254 732 156444). For the full current branch list, visit ncbagroup.com/ke/ncba-branches
🕐 Opening Hours
| Monday | 8:30 AM – 4:00 PM | Open |
| Tuesday | 8:30 AM – 4:00 PM | Open |
| Wednesday | 8:30 AM – 4:00 PM | Open |
| Thursday | 8:30 AM – 4:00 PM | Open |
| Friday | 8:30 AM – 4:00 PM | Open |
| Saturday | 9:00 AM – 12:00 PM | Open |
| Sunday | — | Closed |
🗺️ Service Areas
📍 Mombasa & Coast Region
📍 Nakuru (Rift Valley)
📍 Bungoma & Busia (Western Kenya)
📍 Embu (Eastern Kenya)
🌍 Rwanda, Uganda & Tanzania (Regional Network)
📸 Photos
NCBA Centre — head office at the junction of Mara Road and Ragati Road, Upper Hill, Nairobi
An NCBA Bank branch serving retail and corporate clients
M-Shwari — NCBA’s mobile savings and loans product, built with Safaricom
The NCBA Loop app — digital banking for everyday transactions
📍 Location & Map (Head Office)
📍 NCBA Centre, Mara Road/Ragati Road, Upper Hill, Nairobi, Kenya · Get Directions →
📬 Contact Information
| 🌐 Website | ncbagroup.com/ke |
| 📞 Customer Contact Centre | +254 20 2884444 |
| 📞 Toll-Free | 0800 720 444 |
| 📞 Mobile | +254 711 056444 / +254 732 156444 |
| 🚨 Whistleblow Line | 0800 722626 (Toll-Free) |
| 📍 Head Office | NCBA Centre, Mara Road/Ragati Road, Upper Hill, P.O. Box 44599-00100, Nairobi, Kenya |
| 💳 M-PESA Paybill | 880100 |
🔗 Social Media
⭐ Reviews & Ratings
NCBA Bank is well known and widely used across Kenya, particularly for M-Shwari, one of the most popular mobile savings and loans products in the country, alongside strong asset finance and premier banking offerings inherited from its NIC and CBA legacy institutions.
“Been using M-Shwari for years and it’s genuinely become part of how I manage small emergencies and savings goals. Simple, fast, and directly through my phone without needing to visit a branch.”
“Financed my delivery van through NCBA’s asset finance product, building on what used to be NIC Bank’s strength in this area. The team knew the process inside out and got everything sorted quickly.”
“ABC Place branch is convenient for me being close to work in Westlands. Service is generally good, though the branch does get busy around month-end when salaries hit — worth planning for a bit of a wait during that period.”
“The premier banking lounge at the Upper Hill head office is a step above what I’ve experienced at other banks — private space, dedicated staff, and quicker turnaround on wealth management queries. Worth the account tier.”
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❓ Frequently Asked Questions
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