Current Accounts Kenya 2026
Compare business and personal current accounts from top Kenyan banks. Find accounts with lowest fees and best features.
Reviewed byPesaMarket Research Team
Compare Current Accounts
| Bank | Monthly Fee | Min Balance | Free Transactions | Best For | |
|---|---|---|---|---|---|
KCB Bank KCB Current Account | KES 500 | KES 10,000 | 5 per month | SMEs & Corporates | View Details → |
Equity Bank Equity Current Account | KES 0 | KES 5,000 | Unlimited via app | Small businesses | View Details → |
Co-op Bank Co-op Current Account | KES 350 | KES 5,000 | 10 per month | SACCO members | View Details → |
NCBA Bank NCBA Business Account | KES 750 | KES 20,000 | 3 per month | Mid-size businesses | View Details → |
Stanbic Bank Stanbic Business Current | KES 1,000 | KES 50,000 | Unlimited online | Large corporates | View Details → |
ABSA Bank ABSA Business Account | KES 600 | KES 10,000 | 5 per month | Growing businesses | View Details → |
KCB Bank
KCB Current Account
Monthly FeeKES 500
Min BalanceKES 10,000
Features
Free M-Pesa transfersOnline bankingCheque book
Equity Bank
Equity Current Account
Monthly FeeKES 0
Min BalanceKES 5,000
Features
Zero ledger feesEquity app bankingFree EazzyPay
Co-op Bank
Co-op Current Account
Monthly FeeKES 350
Min BalanceKES 5,000
Features
MCo-op Cash accessSalary processingTrade finance
NCBA Bank
NCBA Business Account
Monthly FeeKES 750
Min BalanceKES 20,000
Features
Loop appCorporate cardsTreasury services
Stanbic Bank
Stanbic Business Current
Monthly FeeKES 1,000
Min BalanceKES 50,000
Features
Trade financeFX servicesCash management
ABSA Bank
ABSA Business Account
Monthly FeeKES 600
Min BalanceKES 10,000
Features
Timiza appPayroll servicesInternet banking
Business vs Personal Current Accounts
👤 Personal Current Account
- ✓ For individual use
- ✓ Lower minimum balance
- ✓ Basic transaction features
- ✓ Personal cheque book
- ✓ ATM/Debit card access
🏢 Business Current Account
- ✓ For registered businesses
- ✓ Payroll processing
- ✓ Multiple signatories
- ✓ Trade finance access
- ✓ Business overdraft facility
Frequently Asked Questions
What is a current account?
A current account is a bank account designed for frequent transactions, typically used by businesses. Unlike savings accounts, they offer unlimited withdrawals and often come with cheque books and overdraft facilities.
What documents do I need?
For personal: ID, KRA PIN, proof of address. For business: Certificate of incorporation, CR12, business permit, directors IDs and KRA PINs, and board resolution.