How to access NIC Online Banking


Go to, then click on Retail (for Password users) or Corporate (for token users) to log in

How do you log into NIC Online Banking?

For personal/retail customers, you are required to  type in your; User ID: Password: For corporate customers, you are required to type in your; User ID: OTP (One Time Password ) generated by the token

3. What is a token? This is a Pocket-sized authentication token that allows corporate customers to access NIC Online .The token generates random codes that you  use to log –in to NIC Online.  It does not hold any personal or financial information about the user. The token is necessary for enhanced online banking security.

4. How do you use the token?

Switch on the token by pressing the OK button.

Enter Static Pin No. 1254 

Enter NEW PIN of your choice and confirm. (4 Digits)

Press the OK button

When you get a response e.g. 09210101 type the response in the OTP part of the corporate bank’s log in page

Click Sign On in the system to gain access.

5. How frequently should you change your Password or token Pin ? You should do this regularly . Once a month is considered ideal

6. What format should your User ID and password be? Your user ID MUST be in capital letters/UPPER case. The password can be a mix of capital letters, small letters, numbers and special characters

7. Are the user ID & Password Case sensitive (capital or lower case sensitive)? Yes. User ID must be  UPPER CASE. Password is case sensitive too. This means that if you must use the exact case or  combination of alphanumeric special characters that you  used.

8. Where do you change your Password if you are a password user? You go to My Details , select  change password  and proceed to change.

9. How do you reset your password if you are a token user? Contact the Bank and request for a change of password using our contacts or visit any branch countrywide to complete a password reset form. You can also call your Relationship Manager, Customer Contact Centre on 0711 041 111 or the NIC  online banking teams via  email .

10. What if you can’t remember your user ID and Password? This means you will not be able log in and will therefore need to contact the bank for assistance. You can call our Customer Contact Centre on +254 711 041 111 /+254 2888217 or the NIC Online banking teams via  email or get in touch with your Relationship Manager . You can also visit any of our branches country wide and seek assistance from the customer service team.

11. Where do you find help if you are stuck? You can call our Customer Contact Centre on +254 711 041 111 /+254 2888217 or the NIC Online banking teams via  email or get in touch with your Relationship Manager . You can also visit any of our branches country wide and seek assistance from the customer service team.

12. Why should you use Online Banking? You can carry out many transactions at your convenience 24/7 anywhere anytime. For example you can view balances ,request statement , make payments via RTGS or EFTS, transfer money from Bank to MPESA and MPESA to Bank and so much more. You can also decide to choose a view only profile or transacting profile. You can also update your profile from viewing to transacting anytime you wish.

13. What are some of the capabilities of NIC Online that a corporate user may want to know about?

  • It is built on a highly secure system
  • It has functionalities such as use of beneficiary to make payments.
  • You can request letters of credit for corporate users as well as SWEEPS
  • Corporate customers can conduct Bulk Mpesa payments

14. What is a beneficiary? A beneficiary is a template which you complete containing all the details of the person you intend to pay and have them stored in our system so that whenever you need to pay the person, you just select and need not re-enter their details every time .

15. What is the benefit of having a beneficiary? The beneficiary template gives you added security. It  ensures that you do not  pay the wrong people. In addition, it saves you time when making payments as you don’t need to worry about re-typing or re-entering the details of the people you are paying.

16. What type of payments can you make via NIC Online?  i.) Inter account transfers – between your accounts in NIC Bank (Uganda, Tanzania or Kenya ) ii.) Internal Transfers – paying a third party within NIC bank iii.) Mobile Money Transfer Service (MMTS) – Paying directly into a mobile phone e.g. sending out M-pesa iv.) Domestic EFT – this is a Kenya Shilling Payment to another bank v.) Real Time Gross Settlement (RTGS ) transfers – This is a same day transfer to another bank in any currency vi.) International transfers – These are payments out of Kenya in foreign currencies vii.) Bill payments – these are payments for Credit Cards, Petty cash and major billers some of which have to be introduced in due course. viii.) Standing Orders are also available on a separate module for retail customers

17. How do you request for bankers Cheques in NIC online? Go to Accounts ,choose Cheque Details then scroll down to request for Bankers Cheque

18. Can you get a debit advice if your beneficiary requires one? Yes, go to Accounts , click on Debit Advice, type the reference for the transfer whose advice you require and click find.

19. When you make a payment now, when will you see the entry in my account? All incoming and outgoing payments are visible immediately as the system is Real-time Online.

20. You are a client who does not live in Kenya, when can you access the system? The system is accessible 24/7/365. System is available throughout .

21. Can you use my Mozilla or Safari or Google Chrome? Yes you can.

22. Can you access the new NIC Online on my phone Yes , the NIC Online system supports major browsers including Samsung III browser phone as well as iPad/iPhone. However, not all phone browsers are compatible. Contact the NIC online team if you are not sure that your browser is compatible by sending an email to

23. Why must you create a beneficiary when you want to pay someone just once? This is one of the measures the Bank has taken to safeguard your transactions. Creating beneficiaries ensures that you are sending money to the right person .

24. You can only remember your Old bank account number; will the system allow you to use it? Yes. The system keeps both your old and new accounts hence they can be used interchangeably.

25. You are not interested in details /transactions .You are only interested in having a summary of your accounts. Is this possible ? Yes , its possible to have a ‘view only’ profile which does not allow you to transact. On the module called Home, you can have a snap shot of all your accounts  arranged as follows: local accounts , then foreign accounts, then Deposits (fixed and/or call) and lastly loans. This gives you on one page the summary of your accounts with us.

26. You are not enrolled on NIC Online Banking, How do you subscribe/sign up? Just send an email to  or call the Customer Contact Centre on +254 711 041 111 /+254 2888217 or  contact your Relationship Manager or visit any of our branches .

27. You need to make a transfer to a local or International bank but you do not have the bank codes or SWIFT codes. Where do you get these details? On the homepage of the bank:  under downloads, you can access and /or download all our Kenya, Uganda and Tanzania bank and SWIFT codes . When making an international payments ensure to get this information from the beneficiary.

28. Is the NIC online system secure? Nic Online Banking is very secure as it uses the latest security for financial systems. However, we urge you to ensure that you DO NOT SHARE your online log in credentials with anyone. As a bank we will NEVER ask you for your account number, pin or personal security details. Guard your credentials and report any suspicious communication to .

29. What is the cost of accessing Online Banking? NIC Bank has waived the cost of joining as well as viewing statements and balance enquiries. We only charge a transactional fee when you make transfers. The tariff for the charges on transfers is available on under Downloads>> Online Tariffs.

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