Complete List of Central Bank of Kenya Regulated Financial Institutions
Before taking any loan, verify your lender is licensed by the Central Bank of Kenya (CBK). Licensed lenders follow strict regulations to protect borrowers.
Regulator: Central Bank of Kenya
Examples: KCB Bank, Equity Bank, Cooperative Bank, ABSA Bank, Standard Chartered
Regulator: Central Bank of Kenya
Examples: Kenya Women Finance Trust, Faulu Microfinance, SMEP Microfinance
Regulator: Central Bank of Kenya (since 2022)
Examples: M-Shwari (NCBA), KCB M-Pesa, Fuliza (NCBA), Tala, Branch
Regulator: SASRA (SACCO Societies Regulatory Authority)
Examples: Stima SACCO, Mwalimu SACCO, Kenya Police SACCO
Visit centralbank.go.ke and check the list of regulated entities. All licensed banks, microfinance banks, and digital credit providers are listed there.
The Central Bank Rate plus 4% for banks. Digital lenders must disclose the Annual Percentage Rate (APR) clearly before loan disbursement.
Report them to the CBK and the Competition Authority of Kenya. You may also file a complaint with the police if they engage in harassment.
Yes, since September 2022, all Digital Credit Providers must be licensed by CBK. Check their DCP license before borrowing.