Branch is a bank in your pocket, regulated by the Central Bank of Kenya. It makes it easy for people in Kenya to access loans, transfer money, pay bills and save at competitive rates. Visit our website to learn more.

Branch has offices in Nairobi, Kenya; Lagos, Nigeria; Mumbai, India; and San Francisco, United States.

At the moment, Branch operates in India, Kenya, and Nigeria.

Yes! Kindly ensure you are using the latest version of the app. Then from your app go to “My Account”, then tap “App Settings”, then select “Language”, choose “Kiswahili” and tap “Submit” to save.

You can follow this link and click Update. Or you can go to Google Play, search for “Branch International” then click “Update”.

In Kenya, we support Safaricom. We hope to expand our coverage in the near future.

Thank you for your interest! Kindly follow this link to our careers page to see a list of our current vacancies.

At the moment, we do not provide customer support by phone number or in person. Please send us a message via the app any time, and we will help you resolve whatever issue you may have.

Flexi Savings - Earn 3% p.a. & Access Anytime
• Deposit and withdraw funds anytime.
• Earn 3% interest per year (simple interest, non-compounding).
• Perfect for easy access to savings while still earning returns.

Target Savings - Earn Up to 4% p.a.
• Set a savings goal and contribute manually or automatically.
• Funds remain locked until your goal is reached.
• Minimum deposit per transaction: Ksh 10.
• Interest is calculated daily and paid out at maturity with your principal.

Fixed Savings - Earn up to 4.5% p.a.
• Lock in your savings for 1 to 12 months and earn up to 4.5% interest p.a.
• Receive your principal + interest in your Branch Wallet at maturity.
• Create multiple savings plans, customize names, and set different maturity dates.
• Interest is calculated upfront based on your deposit and tenure.

Liquidation
• In the event of an emergency liquidation for Target savings, reach out to our Customer Service team. Please note that by withdrawing your savings before maturity, all interest earned is forfeited.

• You can currently fund your savings from your Branch wallet or Mpesa. Once your Branch wallet is funded, tap the 'Savings' option and then select the type of savings you would like to create - flexi or target and proceed to customise your plan as you wish.

• For Flexi Savings, interest rates are based on the prevailing market rate which is calculated daily and paid every week. Your weekly interest earnings are added to your Flexi Savings account and you can withdraw the funds at any time into your Branch wallet.

• For Target Savings, interest is based on the prevailing market rate.

Flexi Savings – Withdraw your funds anytime, no restrictions.

Fixed Savings – Funds are locked and can only be withdrawn at maturity, based on the tenure you selected when starting your savings.

Target Savings – Withdrawals are only allowed once you reach your savings goal, ensuring you stay on track.

• Branch is a socially responsible company and does not invest in high-risk financial instruments that are volatile and unstable. Savings done through the Branch app are in low-risk securities with capital preservation as the ultimate goal.

• We are licensed by the Central Bank of Kenya to provide fund management services, we take the appropriate steps to ensure that your funds are safe and we are able to return them to you when you need them. We encourage you to also seek professional advice before investing your funds.

• Our deposits are also insured by The Kenya Deposit Insurance Corporation (KDIC).

To edit your personal details, click on this link My Account, or tap on the person icon on the top right corner of your screen that takes you to “My Account”. Then tap “Profile” to update your personal information.

To register a new mobile money number, click on this link then click on “Add Account”.

To register your mobile money number, click on the Human icon on the top left corner of your screen, click “Financial Accounts”, then click on “Mobile Money Accounts”, then click “Add account” and enter the phone number. Click “Validate” and then click “Continue”. You will receive an SMS with a 4-digit code which should automatically validate your number. If this does not happen, kindly enter the code you received via SMS on the app to complete validation. Read more here.

You may see this error message if Branch is unable to detect the required SIM in your phone. Kindly remove all other SIMs from your phone and leave only the Safaricom SIM you want to use and then log back into Branch. You should be in a position to add your number and proceed to validate it.

At Branch, we conform to the highest standards of data integrity. This means that you cannot change information that was previously used to process a successful loan application. We apologize for any inconveniences caused.

If you would like to delete your account, please make sure that you have repaid all of your loans and then write to us on the in-app chat or email us at [email protected] with your request.

Secure mode is a safety measure we turn on when we notice a new device using your account. It is designed to better protect your account, transactions, and personal information from fraud, unauthorized access, or any suspicious activity.

To exit Secure Mode and add your phone number as a financial account number, kindly reach out to customer support and confirm if the particular device belongs to you or if you are unfamiliar with it. Once we have this information, we will review your account and get back to you.

To remove your account from secure mode, follow the prompt and enter the OTP you will receive on your phone number. Once this is verified, your account will be automatically removed from secure mode.

Requirements are simple - all you need to apply is your phone number, National ID and mobile money account. We will also request access to the data on your phone in order determine your eligibility.

Branch uses data from your phone, including your handset details and SMS messages to make lending decisions. We combine this with your Branch repayment history to build an individualised credit score, which determines the loan offers you receive.

If you don’t get accepted when you apply, don't worry! Sometimes it may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and to reapply after the period stipulated.

We aim to process all loans within 24 hours. On average we process loans in less than 3 hours and hope to reduce that to a few minutes.

Branch uses data from your phone as well as other sources to make a lending decision. To increase your chances of approval, please make sure to save the data on your phone, stay current with all other lenders, and correctly input your account details.

Once a phone has been used to access Branch, it cannot be used by anyone else. To access Branch, kindly use another phone that you own and that has not been used for a Branch loan before.

Applying for a loan is easy! After you have downloaded the Branch app, all you need to do is sign up, navigate to the “Loans” option at the bottom of the Home screen, and fill in your personal details, phone number and mobile money account details. Then you can view available loan offers, select an option, and tap “Apply”.

Our loan sizes range from Ksh 500 to Ksh 1,000,000. If you repay loans as scheduled, the amount that you can borrow will increase.

The loan offers you see depend on a number of factors, including your repayment history with Branch. If you repay each installment by its due date, you may unlock access to larger loans over time. Note that the increase may not always be immediate, and that repaying your loan late may result in smaller loan offers.

Unfortunately, you won't be able to access a loan of a larger size. The fastest way to increase the amount you are eligible for is to build credit by making each repayment as scheduled.

At the moment, the highest loan amount we offer is Ksh 1,000,000 but this may increase in the future.

Interest rates are determined by a number of factors, including your repayment history with Branch and the cost of lending for us. Depending on these factors, our rates vary as follows:

• Loan Terms: 1 – 12 Weeks
• Late / Rollover Fees: 6%
• Interest Range: 17% – 35%
• Equivalent Monthly Interest: 1.7% – 17.6%
• Equivalent APR: 22% – 229%

Your loan offers are automatically determined by a number of factors. Even though it may not always increase immediately, it will increase over time as you continue to make all of your repayments as scheduled.

Each loan amount is automatically determined by our systems each time you repay based on a number of factors. We encourage you to keep making your repayments as scheduled to increase your loan amount.

It is insurance that pays off your outstanding loan balance if you pass away or become permanently disabled.

All loan customers aged 18 to 65 are automatically covered until age 70.

It covers death (natural or accidental) and Total Permanent Disability (TPD).

Cover begins 7 days after loan disbursement, unless the claim is due to an accident—then it starts immediately.

The premium is a small percentage of your loan. For example, a KES 100,000 loan costs KES 600 annually.

The insurer pays your remaining loan balance directly to Branch, clearing your debt.

A claim form, death certificate or medical proof of disability, loan statements, and possibly a police report for accidental death.

Claims are excluded if the borrower was involved in criminal acts, extreme sports, or defaulted on the loan.

No. This cover is compulsory for all loans.

No. The policy only applies within the Republic of Kenya.

To make a repayment, follow these steps:
1. Navigate to M-PESA in your Safaricom menu on your phone
2. Select Lipa na M-PESA
3. Choose the Paybill option
4. Enter the Paybill number 998608
5. For account number, enter your M-PESA number on which you received your Branch loan
6. Enter your repayment amount
7. Enter your M-PESA passcode
8. Confirm that all details are correct and press ‘OK’.

OR
1. Go to the loans section at the bottom of the menu
2. Click Make a payment
3. Select a Repayment Method
4. Select Branch wallet
5. Select the repayment amount
6. Confirm repayment details
7. Submit payment

We advise that you make your repayments as they appear on the “My Loan” page. Skipping your other repayments and paying the loan on the last due date will negatively affect your future loan amounts.

To view your repayment information, tap on your loan balance on the Home screen or the “Loans” option at the bottom of the Home screen, then tap on “Repayment Schedule”. You will be able to see your installments, due dates and the amounts due on those dates.

Depending on the loan amount you select, a monthly repayment option may be available. Tap “Select Loan Terms” to choose between weekly or monthly payments prior to requesting the loan. If you choose weekly repayments, you will need to pay each installment by its weekly due date in order for your loan to be considered on-time.

If you do not receive confirmation from Branch that your repayment was received within a few hours, kindly send us the transaction confirmation message you received and the number you used to make the payment via “Customer Care” in the app. You can also send us an sms via the shortcode 24788 or email us at [email protected] . We will follow up and update your account.

To increase your loan offer amount, we strongly encourage you to repay your loan according to your “Repayment Schedule”, which can be found by tapping the “Loans” option at the bottom of the Home screen.

If you overpay your loan on your last repayment, the amount will remain on your account and be applied on the repayment of your next loan.

Paying each installment by its due date allows you to access larger loan sizes. Late repayments will affect your ability to get subsequent or larger loans. If you are very late on your payments, we report to the Credit Reference Bureau (CRB). Negative listing by the CRB may affect your ability to borrow from other lenders. A late interest penalty of 6% can be charged on the outstanding loan repayment amount for some loans.

Unfortunately, Branch cannot alter your repayment schedule after you've received a loan. If you are unable to repay the full amount due, we advise you to start making partial repayments as soon as possible.

A Credit Reference Bureau (CRB) collects credit information on individuals and can provide your repayment performance data to banks, lenders, and potential employers. CRBs help promote financial inclusion and prevent over indebtedness.

We will update and forward your details to the CRB for clearance. If you wish to acquire a certificate of clearance, kindly check with the CRB within a week of making your repayment.

We report to Metropol and TransUnion.

If your account has been cleared with the CRB, please message customer care to receive the batch numbers for Metropol and TransUnion to follow up on your certificate.

The Reward program is not available at the moment. Thank you for choosing Branch.

Please advise the person who invited you to Branch to send you their promotion code. Kindly copy the code and paste it in the “Promotions” page, which can be found by navigating to “My Account” on the top right corner of the Branch app. If you were not invited by anyone or you have already repaid your first Branch loan, the code will not be applicable.

Go here. From there, you can message the person you want to invite. Your friend should then be able to click the link in the message they receive to download the app.

Bonuses are automatically deducted from the amount of principal you owe on your next loan. Kindly note that your friends must enter the code on their Promotions page before fully repaying their first loan or you won’t receive your bonus.

You can check your balance here. Click on “Review your bonuses” to see your balance for credits received.

In order to receive the credit, kindly ensure that the person you invited registers your code on their account before they finish repaying their first loan.

This is an account where all cash bonuses and rewards earned on Branch are accumulated until you can access the funds.

Withholding tax is the compulsory tax which in line with Kenyan Tax Regulations must be deducted from interest payable on your investment. The amount deducted is remitted to the Kenya Revenue Authority on your behalf.

The current rate for withholding tax in Kenya is 15% of earned interest.

Withholding tax is applied to total earned interest on any savings plan. For example if a user has a KSH100,000 savings account upon which they have earned a KSH1,000 interest, 15% (KSH150) of the KSH1,000 interest will be deducted before the interest is paid to the user’s account. This means that the user will be paid only KSH100,850 upon maturity. The KSh150 will be paid to the Kenya Revenue Authority.

Withholding tax is applied to interest earned on all savings products.

No, the withholding tax is only charged on the interest earned. You will still get the full principal amount invested

Branch has always remitted withholding tax on all interest paid without deducting the same from ours users. However, we have now been mandated to deduct the tax on all interest paid to our users in line with the Kenya Revenue Authority’s regulations.

We use world-class data security and encryption techniques to protect the data you share with us. Branch never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.

Branch uses your ID to ensure your account belongs to you, and so that no one else can apply for a loan using your account. We understand that this is very sensitive information and take our customer privacy very seriously. If you have additional concerns, please contact the Branch customer service team.

Branch uses data from your phone, including your handset details and financial transaction messages to make lending decisions. These data are a crucial part of our decision making process, and allow us to provide seamless and efficient financial services.

In your Android Phone, kindly go to Settings > Apps > Branch > Permissions and make sure that you have enabled Branch to access everything requested.

Please read our Terms of Use and Privacy Policy.