OUR BUSINESS IS ABOUT COMMITMENTS
Bank on better
Reliable banking products for smart businesses
At National Bank, we believe that you need a reliable banking solution to help you grow
your business.
That’s why we offer you our business banking products so that while you work hard to run your business, we
work hard to support you.
Business Transactional Account
Designed to offer affordable day to day banking services to
enable you to achieve your business goals.
Features
• No minimum opening & operating balance • Zero maintenance fee
• Zero cash handling fee • Pay as you use • Free e-statements
• Access to trade, working capital & asset finance *Terms and conditions apply
Business Savings Account
Provides a convenient saving solution for your business,
plus easy access to your cash reserve.
Features
• Tiered attractive interest rates for balances over Kshs 500,000 • No restriction or charges on deposits into the account
• Free standing order set up from National Bank Business Current account • Can be opened in local currency and foreign denominated currencies • It is designed for unlimited deposits with only one withdrawal per quarter • One free over the counter withdrawal per quarter
• Minimum account opening and operating balance of Kshs 5,000 • No monthly account maintenance fee
* Terms and conditions apply
Professional Account
Specially dedicated to professionals who are looking to earn
genuine returns, while incurring fair bank charges.
Features
• No charge on over the counter withdrawals and deposits
• No charge on internal transfers from one account to the other within National Bank
• No charge on incoming wire transfers. • No minimum operating balance requirement • No charge on monthly statements
• Free processing of salaries for staff with accounts in National Bank • Preferential higher rates for deposit will be offered with room for
negotiation
• On term deposits, the indicative rates will be regularly advised by the relationship and branch managers to all professional account holders. • Relationship managed to provide personalized service and financial
advice.
*Terms and conditions apply
Business Current Accounts
Consisting of investment, transaction and lending
solutions, this account is tailored to complete all your
business basic needs.
Features
• The account is available in Kenya Shillings and in designated foreign currencies • No minimum operating balance
• Opening balance at Kshs 5,000 • Free monthly statements
• Free internal transfers within National Bank branches
• Sweeping arrangements may be made to transfer funds automatically from your current account to other accounts in your National Bank portfolio • Cheque book available
• Monthly maintenance fee of Kshs 300
• Dedicated foreign exchange officer to keep the client informed of daily market trends & changes
Institutional Account
Offers all the essential tools for easy management of funds
to enable the growth of non-governmental organizations.
Features
• The account is available in Kenya Shillings and in designated foreign currencies • Minimum opening balance of Kshs 20,000
• Minimum operating balance of Kshs 100,000 • Free cash deposits and withdrawals • Charge-free account
• No maintenance fees & ledger charges • Free cheque book & statements • Free inward TT’s
• Free local outward transfers
• Attractive forex rates, forwards, spots & swaps & auto sweeps /covers *Terms and conditions apply
Elimu Collection Account
Specifically designed to give a more cost effective fee
payment solution for learning institutions.
Features
• Access to cheque book
• Access to a business overdraft or loans. • Free statements
• Access to internet banking
• Attractive Interest rates for balances over Kshs 500,000
• National collection services for institutions engaged in mass retail receipts • Payment solutions to assist customers with large payrolls to process salaries with
ease
• Competitive foreign exchange rates • No cash handling fees on deposits
• Managed banking costs for students, as no charges are levied on cash deposits at any of our outlets
• No charge on incoming wire transfers *Terms and conditions apply
Term Deposits
Term deposits offer a secure way to grow your money,
while giving you the flexibility to choose a term that fits your
financial needs.
Benefits
• Competitive / attractive interest rates
• Varying maturity term periods to suit customer needs • Interest computation on daily balances
• Margin accounts can be used as security for loans and overdrafts *Terms and conditions apply
Jenga Biashara Account
This is a low priced transactional account meant to fulfill the
Micro-market appetite whilst offering convenient business
banking solutions.
Features
• Opening balance – at least ksh.200 • Nil operating balance
• Zero rated ledger fees
• Minimal ATM withdrawal charges of - Ksh.30 per transaction • Over the counter withdrawal – ksh. 100 per transaction • No limitation on withdrawals.
• No access to cheque book.
• Minimal opening requirements and procedures. *Terms and conditions apply
We’re making it our business to make your business
more successful
At National Bank, our commitment to help your business grow doesn’t end with our
business accounts. We’ve gon further in tailoring financial services that not only provide
continuity to your business but also give you a complete peace of mind.
FINANCIAL SERVICES
Asset Finance
In addition to helping you acquire movable and capital assets, National Bank’s asset finance allows you to use the obtained
assets as security.
Features New motor vehicle
• Deposit / down payment – minimum 10% of cost • Minimum amount from Kshs 300,000
• Maximum repayment period of: 48 months – (for commercial use) 60 months – (for personal use)
Used motor vehicle
• Deposit / down payment – minimum 20% of cost • Minimum amount from Kshs 300,000
• Maximum repayment period of: 36 months – (for commercial use) 48 months - (for personal use) • Maximum age of the vehicle is 5 years
Benefits
• Flexible interest rates
• Affordable monthly repayments • Quick processing of application • Financing of both new and used vehicles • Insurance premium finance available
Requirements
Individual (sole proprietors/partnerships)
• Certified copy of PIN and National Identification card • Latest 6 months bank statements • Certificate of registration
(if proprietor or partnership) • Copy of log book (used vehicle) • Valuation report from authorized valuer
(used vehicle)
Companies
• Certified copies of memorandum and articles of association • Certified copy of certificate of incorporation
• Latest annual returns and filing receipts • Board resolution authorizing the borrowing
Other terms and conditions
• Duly executed hire purchase agreement • Joint registration receipt
• Three blank transfer forms
• Comprehensive insurance cover for one year
• Directors joint several and personal guarantee and indemnity • Rights of set off
Trade Finance Products
From tendering solutions, performing contracts, expanding businesses to working capital, we’re dedicated to providing you
with easy, convenient and less risky trade finance solutions to ensure that your international transactions are trouble-free.
Letters of Credit (LC)
A Letter of Credit facility allows you to offer secure payment terms to your suppliers or exporters abroad, while ensuring the prompt delivery of the goods and services they require.
Benefits
• We offer our import clients the facility of opening both confirmed and unconfirmed Letters of Credit depending upon their needs
• We arrange for confirmation of Letters of Credit by a range of world-class international banking institutions.
Documentary collections
National Bank’s documentary collection facility helps you manage all your import and export process so your business can operate efficiently.
Import documentary collections
Boost your trading relationships by reassuring your suppliers of their payment, while safeguarding your title to the goods.
Export documentary collections
Simplify the process of receiving payments from importers, while safeguarding your title to the goods until payment has been received or documents have been accepted for payment.
Negotiation of export bills
We negotiate on your behalf to help your realize the proceeds faster and easier especially if you;
• Wish to receive immediate value for goods shipped under a Letter of Credit or Collection.
• Want to avoid the delays associated with cross-border presentation, mitigates cross-border and foreign bank risks.
Bills avalisation
We undertake to honour payment of bills of exchange from the supplier on your behalf, so you can enjoy complete peace of mind knowing that payment will be made.
Pre & post-import financing
Pre-shipment finance helps you in growing your business by providing you with working capital finance to purchase goods, purchase raw materials, warehousing, or to arrange for the transportation of your goods.
Post shipment finance helps you overcome the demands of exporting activity, allowing your business to maintain its cash flow.
Bank guarantees
We provide credibility to any deal your business is involved with by ensuring that in the event you’re unable to deliver on your promises of goods, services or equipment, your client will be fully reimbursed. Our guarantees range from tender guarantees (bid bonds), performance and payment guarantees, customs guarantees, advance payment guarantees, shipping guarantees and more.
Jenga Biashara Loan
Jenga Biashara loan is a credit product specifically designed
to cater for financing requirements of Micro and Small
Enterprises (MSEs).
Features
• Flexible collateral requirements
• Convenient & easy access through wide distribution network. • A safe, secure and solid financial intermediary
• Dedicated & knowledgeable Micro Bankers *Terms and conditions apply
Property Financing
At National Bank we offer various suitable products for individuals or businesses looking for financing to build or construct a residential or commercial property. The following types of finance options are available for you:
• Owner occupied residential -for a loan to purchase a property that the borrower intends to occupy as the primary home, we shall lend up to 90% of the value of that property.
• Investment residential - financing required for a property considered an investment and not intended for owner occupied as the primary home of the borrower.
• Equity release and top-up loans - as you repay your mortgage, you acquire equity in that property which can be availed to you for further property development or other uses. We can lend you money on the value of your own equity.
• Occupied residential loan. Only developed residential properties will be considered for this loan type.
• Construction loan - this is a facility to
finance the construction of a residential or a commercial property. • Residential plot purchases - this is a product that is intended to extend
money to people who want to buy a property to develop a residential house upon the plot.
Pro forma / Invoice Financing
Improve your business cash flow by turning your unpaid invoices into cash Different types of financing include:
• Export Invoice financing for financing commercial invoices issued to buyers.
• Import invoice financing for financing proforma invoices issued by suppliers.
Local Purchase Order (LPO)
Financing
Because the continuity of your business is important, our LPO
financing offers you with reliable financial support so you
can focus on growing your business.
Features
• Cheaper additional working capital • Finance up to 80% of the value of the LPO • Flexible security requirements
• Quick approval process
• Maximum tenor of 120 days depending on the terms of the LPO
We offer the following products tailored to meet the short-term funding needs of your business:
• Overdrafts
• Pro forma / Invoice financing • Local purchase order (LPO) financing
Insurance Premium Financing
National Bank’s insurance premium financing is the best
solution that will give you peace of mind by helping you pay
your premiums with ease. We simply give you loan against
your insurance premium bills and pay the proceeds directly
to your insurer.
Features and benefits
• The minimum qualifying premium amount is Kshs 25,000 • The maximum amount depends on your insurance premium • Easy installments over a maximum period of 10 months • We offer competitive interest rates
• Manage your cash flows through flexible repayment plans • Available to both account and non-account holders
Application requirements
• Duly completed application form
• Executed Insurance Premium Finance Agreement endorsed by the insurance company
Working Capital Finance
Working capital finance provides you with a smart and
affordable financial solution to help you meet your expenses
so you can focus on growing your business. We offer the
following products tailored to meet the short-term funding
needs of business:
We’re offering you a rich banking experience
Whether you’re looking for convenience or innovative financial solutions, at National Bank
we provide a range of genuine financial services to not only match your needs but to also
help you operate more efficiently.
OTHER SERVICES
Cash management
Specially tailored to provide you with innovative, relevant
and value added financial solutions so you can have
greater control of your money.
• Payments solutions • Collections solutions • Liquidity management • Channels and electronic banking
Our range of solutions fall under:
Treasury services
Equipped with efficient and innovative professionals, we’re
committed to making businesses better through managing
risks and being well prepared for regulatory market changes.
You can opt for:Forward transactions
This is a commitment to buy or sell a specific amount of currency at a fixed exchange rate on a future date.
Spot transactions
This allows buying and selling a specific amount of foreign currency at a specified exchange rate, for settlement in a given number of working days
Benefits
• Helps to manage your risk in currency and interest rates.
• Provides solutions to reduce volatility of earnings, protect benchmarks and other selective strategies that are consistent with your objective, while balancing a trade off between risk and reward.
Some of our products include:
• Strategic and countrywide outlets for competitive foreign currency trade in telegraphic transfers, drafts and bank notes.
• Real time gross settlement transfers at competitive charges. • Spot trades in major currencies against the Kenyan shilling. • Fixed term deposits on major currencies at highly competitive rates. • Cross currency trading in international markets.
Internet Banking
Whether your schedule doesn’t match our bank’s operating
hours or you’re looking for convenience, then internet
banking is for you. National Bank’s online banking offers you
a wide range of services that comes with adequate security
to suit your financial needs.
Benefits
• User friendly services; quick to download and easy to explore • Saves you time by making money transfers and bill payments without
visiting your branch
• Download your account information into a range of money management programs
• Cut down on paper work by stopping your postal statements
• Perform banking transactions • E-statement services
Mobile Banking
Take advantage of our mobile banking services to access our
banking services anytime, anywhere at the comfort of your
mobile phone.
With National Bank you can access:
• Account balance, • Utility bills payments, • Statement requests,
• Interest and exchange rates information, • Order cheque books or stop cheques, • Fund transfers
• Pin change and more.
Key Contacts
Nairobi (Head office): +254 (0) 20 282 8544, +254 (0) 20 282 8584, +254 (0) 20 282 8683,
+254 (0) 20 282 8417, +254 (0)20 282 8641
Coast:
+254 (0) 20 282 4307
Kisumu:
+254 (0) 20 282 4307
Eldoret:
+254 (0) 20 282 5318
Nakuru:
+254 (0) 20 282 5114
32 MACHAKOS NGEI ROAD - NAIVAS SUPERMARKET MACHAKOS TOWN
33 MALINDI ELITE PLAZA LAMU ROAD MALINDI TOWN
34 MAUA MAUA - ISIOLO ROAD MAUA TOWNSHIP
35 MERU NJURI NJEKE STREET MERU TOWN
36 MIGORI EMICUS PLAZA MIGORI TOWN
37 MOI UNIVER. ELDORET MOI UNIVERSITY ELDORET MAIN CAMPUS
38 MOI.INTER. AIRPORT MOI INTN’L AIRPORT MOMBASA PORT REITZ ROAD MOMBASA
39 MOI’S BRIDGE ELDORET -KITALE ROAD MOI’S BRIDGE TOWN
40 MOLO MAIN STREET MOLO TOWN
41 TECHNICAL UNIVERSITY OF MOMBASA MOMBASA POLY UNIVERSITY COL. TOM MBOYA RD.TUDOR MSA. MOMBASA
42 MTWAPA MTWAPA - KILIFI ROAD MTWAPA TOWNSHIP
43 MUTOMO OFF KITUI ROAD MUTOMO MARKET
44 NAKURU OPPOSITE MERICA HOTEL KENYATTA AVENUE NAKURU TOWN
45 NANDI HILLS NANDI TOWERS NANDI HILLS TOWN
46 NAROK NAROK - MAI MAHIU ROAD NAROK TOWN
47 NKRUMAH NKRUMAH ROAD MOMBASA CBD
48 NYERI SOHAN PLAZA KIMATHI WAY NYERI TOWN
49 ONGATA RONGAI RESCOM HOUSE MAGADI ROAD ONGATA RONGAI TOWNSHIP
50 PORTWAY HOUSE BRANCH OWN BUILDING MOI AVENUE MOMBASA CBD
51 RUIRU KINGARA BUILDING KENTATTA AVENUE RUIRU TOWN
52 ST PAUL UNIVERSITY ST.PAUL’S UNIVERSITY
53 THIKA ZUHURA PLACE KENYATTA ROAD THIKA TOWNSHIP
54 TIMES TOWER TIMES TOWER - GROUND FLOOR HAILE SELLAIE AVENUE NAIROBI
55 UKUNDA TIOSGIMA COMPLEX DIAN ROAD UKUNDA
56 UPPER HILL (TSC BUILDING) TSC BUILDING UPPER HILL NAIROBI
57 WESTLANDS VICTORIA PLAZA PARKLANDS ROAD WESTLANDS - NAIROBI
58 WILSON AIRPORT WILSON AIRPORT ENTRANCE OPPOSITE TOLL STATION
59 NSSF AGENCY NSSF BUILDING BISHOPS ROAD NAIROBI
60 GREEN SPAN GREEN SPAN MALL DONHOLM ROAD ,DONHOLM NAIROBI EAST
61 SAMEER BUSINESS CENTRE SAMEER BUSINESS CENTRE MOMBASA ROAD NAIROBI
62 SEKU SEKU UNIVERSITY CAMPUS KITUI
63 WAJIR BRANCH ADJACENT TO THE OLD MOSQUE ALONG MASJID UN NUR STREET WAJIR TOWN
NAME OF THE BRANCH BUILDING STREET TOWN
1 AWENDO MIGORI ROAD AWENDO TOWNSHIP
2 BOMET TILIL PLAZA BOMET TOWNSHIP
3 BUNGOMA KENYATTA AVENUE BUNGOMA
4 BUSIA UGANDA ROAD BUSIA
5 CHANGAMWE REFINERY PLACE REFINARY ROAD CHANGAMWE MOMBASA
6 EASTLEIGH EMIRATES SHOPPING MALL EASTLEIGH NAIROBI
7 ELDORET NEXT TO KDV HOUSE UGANDA ROAD / OLOO STREET ELDORET- CBD
8 ELDORET AIRPORT TERMINAL BUILDING ELDORET - KAPSABET ROAD ELDORET
9 EMBU EASTERN EMPORIUM BUILDING KENYATTA HIGHWAY EMBU TOWN
10 GARISSA IBNU ABASS PLAZA MIRAA ROAD GARISSA TOWN
11 HARAMBEE NATIONAL BANK BUILDING HARAMBEE AVENUE NAIROBI- CBD
12 HILL BRANCH NHIF BUILDING NGONG ROAD NAIROBI
13 HOSPITAL KENYATTA NATIONAL HOSPITAL NAIROBI
14 ICD KENYA PORTS AUTHORITY- CONTAINER DEPOT CONTAINER ROAD NRB - INDUSTRAIL AREA
15 J.K.I.A ARRIVALS J.K.I.A. ARRIVALS UNIT J.K.I.A. NAIROBI
16 J.K.I.A CARGO CARGO TERMINALS NAIROBI
17 KAKAMEGA WALIA’S SHOPPING CENTRE KAKAMEGA - KISUMU ROAD KAKAMEGA
18 KAPSABET KAPSABET - ELDORET ROAD KAPSABET
19 KARATINA COMMERCIAL - OPP. OPEN AIR MARKET KARATINA TOWNSHIP
20 KENYATTA AVENUE ICEA BUILDING KENYATTA AVENUE NAIROBI
21 KENYATTA UNIVERSITY STUDENTS BUSINESS CENTRE THIKA SUPER HIGH WAY KENYATTA UNIVERSTY
22 KIAMBU KIAMBU ROAD KIAMBU TOWN
23 KIANJAI HELENA PLAZA OFF MAUA ROAD KIANJAI TOWNSHIP
24 KILINDINI PORT MSA BL.111 KIPEVU KILINDINI ROAD MOMBASA
25 KISII HOSPITAL ROAD KISII TOWNSHIP
26 KISUMU OGINGA ODINGA ROAD KISUMU CBD
27 KITALE SUNGURA STREET KITALE TOWN
28 KITALE - ATM KHETIA SUPPERMARKET KITALE TOWN
29 KITENGELA KITENGELA CAPITAL CENTER NAIROBI - NAMANGA ROAD KITENGELA TOWNSHIP
30 KITUI BIASHARA / KILUGYA STREET KITUI TOWN
31 LIMURU MAIN STREET LIMURU TOWN
www.nationalbank.co.ke
Call us on 0703 088 900, (020) 282 8900; email callcentre@nationalbank.co.ke,
or visit any of our branches.
National Bank_Limited National Bank
