I&M Bank accounts

5 min read

ACCOUNT NAME:  

Personal Sapphire

ACCOUNT TYPE:

Current Account

BENEFITS:

  • Free quarterly statements or free email statements at your chosen frequency.

  • Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

  • Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

  • Earn IMBA Reward Points every time you transact.

  • Comes with a Visa International Debit Card and a cheque book.

  • Access the account through I&M Mobile, I-Click Internet Banking

  • . Daily emailed transaction advices

  • 15 free counter withdrawals

  • KES 30,000 minimum balance

QUALIFICATIONS:

  • An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

  • Copy of your ID/passport

  • Recent colour passport photograph

  • Copy of work permit (if applicable)

  • Copy of PIN card (if you have one)

FEES:

  • KES 500 monthly maintenance fees


ACCOUNT NAME:  

Personal Malaika Account

ACCOUNT TYPE:

Current Account

BENEFITS:

  • Free annual statements or free email statements at intervals of your choice.

  • Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

  • Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

  • Earn IMBA Reward Points every time you transact.

  • Attractive discounts from partnering Malaika merchants

  • Malaika App – Have Fun and be trendy with the exciting new Malaika App- an app specially designed for you.

  • An optional free linked auto-facility to save monthly as a Recurring Deposit earning high interest rates

  • Malaika Membership Card

  • Minimum balance of KES 5,000

  • 10 free counter withdrawals

QUALIFICATIONS:

  • An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

  • Copy of your ID/passport

  • Recent colour passport photograph

  • Copy of work permit (if applicable)

  • Copy of PIN card (if you have one)

FEES:

  • KES 500 monthly maintenance fee

  • KES 300 for  25 leaf check book


ACCOUNT NAME:

Personal Bahati Account

ACCOUNT TYPE:  

Current Account

BENEFITS:

  • Visa International Debit Card and a cheque book.

  • Customers can also access and operate on the account through I&M Mobile and I-Click Internet Banking facilities.

  • Free quarterly statements or free email statements at your chosen frequency.

  • Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

  • Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

  • Earn IMBA Reward Points every time you transact.

  • Minimum balance KES 10,000

  • 10 free counter withdrawals

QUALIFICATIONS:

  • An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

  • Copy of your ID/passport

  • Recent colour passport photograph

  • Copy of work permit (if applicable)

  • Copy of PIN card (if you have one)

FEES:

  • KES 500 monthly account maintenance fees

  • KES 300 for 25 leaf check book


ACCOUNT NAME:

Personal Tayari Account

ACCOUNT TYPE:

Current Account

BENEFITS:

  • Debit Cards, I&M Mobile and I-Click Internet Banking

  • Free annual statements or free email statements at intervals of your choice

  • Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

  • Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

  • Earn IMBA Reward Points every time you transact.

  • Minimum balance of KES 2000 and 8 free counter withdrawals

QUALIFICATIONS:

  • An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

  • Copy of your ID/passport

  • Recent colour passport photograph

  • Copy of work permit (if applicable)

  • Copy of PIN card (if you have one)

FEES:

  • KES 250 monthly maintenance fees

  • KES 300 for 25 leaf check book


ACCOUNT NAME:

Personal Nextgen Account

ACCOUNT TYPE:

Current Account

BENEFITS:

  • debit cards, I&M Mobile and I-Click Internet Banking.

  • Free annual statements or free email statements at your chosen frequency.

  • Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

  • Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

  • Earn IMBA Reward Points every time you transact.

  • Minimum operating balance of KES 1,000

QUALIFICATIONS:

  • An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

  • Copy of your ID/passport

  • Recent colour passport photograph

  • Copy of work permit (if applicable)

  • Copy of PIN card (if you have one)

FEES:

  • KES 250 monthly maintenance fees


ACCOUNT NAME:

Karibu Account

ACCOUNT TYPE:

Transaction Account

BENEFITS:

  • account opened and operated entirely from a smart phone – no paperwork, no documents, no visits to the Bank

  • no minimum balance

  • no ledger fees……ideal for someone who does not currently have a bank account.

  • Can be funded through Mpesa, Airtel Money, I&M Karibu agents, MobiKash agents, PostBank branches.

QUALIFICATIONS:

  • You must fund the account (Min KES 250) so that you can get access to I&M Mobile Banking Services.

FEES:

  • No ledger fees


ACCOUNT NAME:

Young Savers

ACCOUNT TYPE:

Savings Account

BENEFITS:

  • No Ledger Fees

  • No Account Maintenance Charges

  • No Transaction Charges

  • A young Savers Membership card is issued which entitles the child to enjoy discounts at many shops and other outlets.

  • Minimum balance of KSH 1000

  • Free and exciting Savers App with features such as Group chat, Careers, Timetable, Games, Time Machine, Paint Board, Wish list creator and so much more.

  • Interest payment payable on the minimum monthly balance

  • 50% additional interest payable at the end of the year on average yearly balance for withdrawals between 1 - 6 within the calendar year.

  • If no withdrawals within one calendar year, bonus interest of 1% p.a. at the end of the calendar year on average yearly balance

QUALIFICATIONS:

  • Maximum eligible age is 17

  • Child’s birth certificate

  • National ID/Passport of parents

  • KRA PIN certificate

FEES:

  • No ledger fees


ACCOUNT NAME:  

Online Savers Account

ACCOUNT TYPE:

Savings Account

BENEFITS:

  • Paperless, easy and free to open – Open account online through I-Click internet banking

  • Convenient – Open account from wherever you are anytime, no paperwork.

  • 24/7 Banking – View balance and transfer funds anytime through I-Click.

  • Unlimited deposits of any amount from your other I&M Bank accounts

  • Interest calculated based on monthly average balance

  • Interest is paid monthly

  • Prevailing rate is 70% of CBR Rate

  • Withdrawals restricted to 2 per month. No interest is paid  in a month where number of withdrawals exceed 2.

  • Interest is paid only when monthly average balance is above Kes 5,000

QUALIFICATIONS:

  • be registered in I-Click

  • have an existing KES transaction account.

FEES:

Minimum balance of KES 5000

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