For those who love good life, the I&M Bank MasterCard Platinum Multicurrency Prepaid Card is the Ideal international traveling companion.
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The smartest way to secure your child's future
At I&M Bank through our wholly owned subsidiary (I&M insurance Agency Limited) we understand the importance of planning and saving for your child's education.
Step-up Option
With the unique Step – Up option available with this facility, you can choose to pay lesser monthly repayments in the initial years and higher amounts in later years, thereby matching your repayments to your future growing income.
One can borrow as little as Ksh 2million and as much Ksh 100 million payable for up to 20 years.
All loans come with:
1
Optional pre-approved Visa international credit card with a waiver on joining fees;
2
Free fire insurance cover for the first year with GA Insurance Co Ltd;
3
Pricing concessions for increased margin of financing.
Features
Feel Safe and Secure
Capability to offer trade finance services to all major financial centres worldwide through correspondent banking relationships with a host of major multinational Banks
Convenience
Cross-border financing arrangements through established financing lines from major worldwide correspondent Banks in several countries
Get help 24/7
Ability to deal in most major currencies
Manage Your Money
Dedicated Trade Finance Department provides very efficient processing and services.
Grow your credit score
Dedicated Trade Finance Department provides very efficient processing and services.
Experience Freedom with I&M Bank Credit Cards
Choose among a range of credit cards with many advantages like free credit period and loyalty points for usage.
Featured Products
Looking for a better Fit?
View All AccountsAre you ready to apply
A Transaction Account designed to fit your busy lifestyle and help you achieve your long-term financial goals
Apply in person
Request Call Back
One of our representatives will call you back as soon as possible.
We are available from 9:00 AM to 4:00 PM Weekly.
Apply for a loan
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We are available from 9:00 AM to 4:00 PM Weekly.
Home Loan Calculator
Regular Home Loan (EMI Option)
EMI stands for Equated Monthly Installment which is an important part of your home loan. It includes repayment of the principal amount and payment of the interest on the outstanding amount of your home loan. A longer loan tenure reduces the Equated Monthly Installment
Interest Rates
| Term | Call Rate (7 Days) | 1 Month | 3 Months | 6 Months | 1 Year |
| 50K to < 5M | 2.50 | 3.75 | 5.25 | 6.25 | 7.25 |
| Term | Call Rate (7 Days) | 1 Month | 3 Months | 6 Months | 1 Year |
| 50K to < 5M | 2.50 | 3.75 | 5.25 | 6.25 | 7.25 |
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Free quarterly statements or free email statements at your chosen frequency
Earn IMBA Reward Points every time you transact
Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions
Personal Accident Cover of KShs. 0.5M at KShs. 500 p.a premium or 1M at KShs 1,000 p.a. premium
We value our partners
We value and respect our various national and international partners as they help manage us and grow our business... and yours
Strategic Aspiration
Eastern Africa’s Leading Financial Partner for Growth
Mission (M) and Core Values (CV)
To be partners of growth for all our stakeholders. We will achieve this through:
Meeting our Customers’ expectations. (M)
Motivating & developing every employee. (M)
Enhancing shareholder value. (M)
General Insurance
- Motor vehicle
- Household-domestic protection
- Fire insurance
- Card insurance
- Medical
- School package
- Personal Accident
- Marine insurance
- Professional indemnity
- Public liability
- Computer all risks/electronic equipment
- Goods in transit
Life Insurance
- Child Education policy
- Household-domestic protection
- Individual life assurance policy – Endowment
- Family life assurance
- Group life assurance
- Salary protection
- Unit linked
- Mortgage protection
- Credit life assurance
- Karo plan – Schools
- Keyman insurance
Reach engaged users at the exact moment they're searching for your app.
A MasterCard pre-paid card in multiple major currencies suitable for use while travelling and shopping overseas
Feel safe and secure
With our card, it's easy to travel the world, make payments, request cash back and many more
Get help 24/7
With our card, it's easy to travel the world, make payments, request cash back and many more
Grow your credit score
With our card, it's easy to travel the world, make payments, request cash back and many more
Convenience
With our card, it's easy to travel the world, make payments, request cash back and many more
It is convenient, friendly and secure
I&M Mobile is a convenient and secure way to do banking. It is available to Smartphone and basic phone users.
Compare Credit Cards
Select a card
I&M Visa International Tamarind Gold Card
Joining Fee
Nil
Supplementary Joining Fee
Nil
Annual Fees
Kes 6,000
Supplementary Annual Fees
Kes 3,000
Credit Period
Up to 50 days
Roll-over Amount
90%
Minimum Payment
10%
Cash Advance
30% of credit limit
Revolving Credit Interest
1.5% per month on actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on due date, KShs 1,000/- maximum
Over Limit Charge
Kes 1,500
Cash Advance
Charge 7.50%
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
I&M Visa International Gold Card
Joining Fee
Kes 3,500
Supplementary Joining Fee
Nil
Annual Fees
Kes 4,000
Supplementary Annual Fees
Kes 2,000
Credit Period
Up to 50 days
Roll-over Amount
90%
Minimum Payment
10%
Cash Advance
30% of credit limit
Revolving Credit Interest
1.5% per month on actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on due date, KShs 1,000/- maximum
Over Limit Charge
Kes 1,500
Cash Advance
Charge 7.50%
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
I&M Classic Visa Credit Card
Joining Fee
Kes 2,500
Supplementary Joining Fee
Nill
Annual Fees
Kes 3,000
Supplementary Annual Fees
Kes 1,500
Credit Period
Up to 50 days
Roll-over Amount
95%
Minimum Payment
5%
Cash Advance
20% of credit limit
Revolving Credit Interest
1.5% per month on actual daily outstanding balance
Late Payment Penalty Rate
6% flat on outstanding minimum payment amount on due date, KShs 1,000/- maximum
Over Limit Charge
Kes 1,500
Cash Advance
7.50%
Unpaid Instruments Handling Fees
KShs. 2,000
Card Replacement Fees
KShs. 1,000
Compare Savings Accounts
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I&M Young Savers Account
Available in
TZS and USD
Minimum Daily Balance
TZS 50000 or USD 50
Ledger fees or account maintenance charges
Free
Transaction fee
Free
Interest rate
Attractive interest rates
Banking Facility
Easy Banking Facility with free registration for iClick services (Mobile and Internet Banking) and Rafiki ChatBanking (WhatsApp Banking)
Ndoto Yako Account (Recurring Deposits)
Minimum Monthly Instalment
TZS 50,000 or USD/GBP/EUR 50
Can be maintained in
TZS & USD
Deposit Period
Minimum 6 months and Maximum of 60 Months (in multiples of 3 months)
Maturity notification
Online free delivery of maturity notification to your registered email
Interest rates
Attractive returns with complete security and competitive interest rates.
Loan
Access to personal loans and overdrafts equivalent to 90% of the balance in the Fixed Deposit Account
Fixed Deposit
Available in
TZS and USD
Minimum Deposit
TZ 1M or USD 5,000
Term
Minimum 3 months; Maximum 120 months (Multiples of 3 months)
Interest Payment options
Monthly/ Quarterly/ Semi-Annually/ Annually or on Maturity
Tenure
Flexible
Withdraw
Partial amount can be withdrawn before maturity in case of emergency, however no interest Is payable on the withdrawn amount due to premature cancellation