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ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Employee Banking Offering
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK AT A GLANCE 13,000+ Employees Approx. 32 Million Customers 669 Branches & Offices 2,427 ATMs 110,834 + XpressPoints ✓ A Pan-African bank present in 34 African countries (32 subsidiaries and representative offices in South Africa and Ethiopia).
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA 4 3 2 1 TRANSACTIONAL CONVENIENCE PILLAR 1 PILLAR 2 PILLAR 3 WEALTH MANAGEMENT PILLAR 4 We provide your employees with transactional convenience through carefully priced account solutions, easily accessible channels like ATMs, Mobile Banking, Online Banking, and Agency Banking Express Points across the African continent. Supported by globally accepted Visa Branded Debit, Credit and Prepaid Cards. ⋟ Multi-currency accounts (KES/USD/GBP/EUR) with seamless digital onboarding and access. ⋟ Secure payroll management for seamless salary processing. ⋟ Ecobank’s Remittance Services through the Rapid Transfer platform for fast, secure money transfers across Africa and beyond. Access a wide range of Savings and Investment Solutions to increase your earning capacity and grow your wealth and assets portfolio. Protect your life and assets using our bespoke insurance solutions designed to give you peace of mind and round-the-clock protection. ⋟ Savings, Investments (Money Market, Term Deposits, Smart Investor). ⋟ Life, Medical, Property & Travel Insurance. ⋟ Income Protection (Retrenchment Cover) & Pension Accounts. Custom-designed lending solutions to facilitate your personal and developmental goals. Preferential lending terms, loan limits and flexible payments to maximize your repayment capacity. Suitable for asset acquisition, home ownership, children`s education, business expansion, leveraged investing and much more. ⋟ Preferential personal, mortgage, and car loan terms. ⋟ Up to 90% car financing and Kes 60M mortgage limit. ⋟ Salary-backed loans with flexible repayment and quick turnaround. Our team of Certified Trainers from the Ecobank Academy facilitate free Financial Literacy courses and Personal Finance coaching to all employees within the company. Free investment and insurance advisory for all employees. Access to expert advice through industry partnerships on topical issues like mental health, personal branding, estate planning, among others. ⋟ Free financial literacy & personal finance coaching. ⋟ Advisory on investment, insurance, estate planning & wellbeing. ⋟ Dedicated Relationship Team for Embassy staff. WEALTH MANAGEMENT SUPPORTING YOUR GROWTH EMPLOYEE EMPOWERMENT CUSTOMER VALUE PROPOSITION
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Why Partner With Ecobank? Preferential Rate Competitive lending rates for your employees – better than walk-in customers Dedicated RM Support A named Relationship Manager available for employee queries and onboarding Pan-African Footprint 35 countries – your employees bank seamlessly across Africa with one account Income Protection Credit life with retrenchment cover on every facility – families always protected Full Product Suite Loans, mortgages, car finance, cards, salary advance – all under one roof Employee Empowerment Certified trainers deliver financial wellness sessions at no cost to the employer Ready to get started? Contact your Ecobank Kenya Employee Banking Relationship Manager today.
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Employee Banking Offering Transaction Facilitation Simple, digital first banking, Transact with Ease • Mobile Banking • Online Banking • USSD Code • QR Code Payment ▪ An enhanced employee benefits package which includes employee/employer relationships, drives loyalty and motivation as well as higher staff retention under key pillars. Executive Banking Experience Dedicated Banking services tailored for salaried individuals, designed to help them grow, protect, and preserve their wealth while addressing their complex financial needs and goals. Protection Solutions • Education Policies, • Last Expense plans, • Income Protection Cover, • Medical Insurance (Local and International) • Emergency Medical Evacuation • General Insurance (Motor, Home, Travel) • *** Insurance Premium Financing Specific for the Employer • Goods in Transit / Carriers Liability Cover • Employee Welfare Protection (WIBA, Group Life, Group Medical & Personal Accident • Business Asset Protection Cover Fast, safe and reliable pan-African money transfer and payment service owned by an African bank. Send and receive money across Africa • Employer Level • Employee Level • Personal Finance Advisory/ Financial Literacy Dedicated Relationship Management Tailored Lending Solutions • Unsecured Personal Loan • Home Ownership - Mortgage • Equity Release • Salary Advances • Car Loans Investment Solutions • Fixed Income Fund • Money Market Fund • Term Deposits • Smart Investor Solution Secure Card Transactions • Visa Credit Cards • Visa Debit Cards • Visa Prepaid Cards (KES & USD) (Available for Corporates and individuals)
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA 20-30 Years 30-45 Years 45-60 Years +60 Years Corporate Position: • Entry-Level Employee • Junior Analyst • Trainee/Intern Bank Solutions • Savings Account • Student Loan Repayment • Credit Card • Personal Loans • Mobile Banking • Investment Accounts 20-30 Years – Early Career Corporate Position: • Mid-Level Manager • Senior Analyst • Team Leader Bank Solutions • Mortgage Loans: • Savings and Fixed Deposit Accounts • Retirement Accounts: • Car Loans • Insurance Products • Investment Services • Education Savings Plans: 30-45 Years – Mid Career Corporate Position: • Senior Manager • Director • Top Executive Bank Solutions • Retirement Planning Services • Wealth Management • Estate Planning • High-Interest Savings Accounts and Fixed Deposits • Insurance Products • Investment Advisory: 30-45 Years – Late Career Corporate Position: • Retired • Consultant – Post Retirement Bank Solutions • Pension Accounts • Fixed Deposits • Annuities • Health Insurance • Estate Management +60 Years - Retirement EMPLOYEE LIFE CYCLE we offer solutions across all employment stages/ages. Wealth Age
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA UNSECURED PERSONAL LOAN KES 7M Max Loan 7 Yrs Max Tenor 60% Max DBR 0 Months History CREDIT CARD KES 300K Classic Limit KES 1M Gold Limit +5% DSR Bonus Unsecured Personal Loans | Credit Card | Salary Advance Access to High-Value Financing • Loans of up to KES 7 Million – no collateral needed • Finance home improvements, education, medical emergencies • Business investments, land acquisition & debt consolidation Flexible 7-Year Repayment Period • Lower monthly instalments for better cash flow management • Reduced financial pressure on household budgets • Improved budgeting flexibility over the loan lifecycle Higher Borrowing Capacity (60% DBR) • Access larger amounts to meet significant financial obligations • 60% DBR is among the most generous in the market • Consolidate multiple debts into a single manageable facility No Security or Collateral Required • Salary-backed facility – no personal assets at risk • Faster approval process vs traditional secured lending • Easier access to credit for all salary bands Easy Qualification for New Employees • Employer introduction letter accepted in lieu of banking history • No extensive credit track record required at point of application • Ideal for newly employed staff joining the scheme Refinance & Take Over Existing Loans • Transfer loans from other banks at competitive terms • Potentially secure better rates and lower monthly payments • Simplify debt management into a single facility Loan Top-Up Facility • Access additional funds as loan balance reduces • Avoid applying for entirely new facilities each time • Continued financial support as life goals evolve Financial Protection for Families • Mandatory Credit Life & Retrenchment Cover included upfront • Loan settled in qualifying events – no burden on dependents • Peace of mind for employees and their families Revolving Credit Access • Visa Classic: up to KES 300,000 • Visa Gold: up to KES 1,000,000 • Immediate access to funds wherever Visa is accepted Increased Borrowing Power (+5% DSR) • Bundle a loan + card to receive a +5% DSR bonus • Qualify for higher loan amounts than standard borrowers • Maximise your borrowing capacity within the scheme Global Payment Convenience • Visa Classic: up to KES 300,000 • Visa Gold: up to KES 1,000,000 • Immediate access to funds wherever Visa is accepted Up to 50 Days Interest-Free • Interest-free period on purchases when balance settled in cycle • Manage short-term cash flow without borrowing costs • Handle emergencies effectively without incurring interest Travel & Lifestyle Flexibility • Book hotels, flights & access international markets • No need to carry large amounts of cash abroad • Ideal for corporate travel and online marketplaces KEY BENEFITS KEY BENEFITS
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Mortgage Solutions | Including KMRC Affordable Housing Outright Purchase Buy apartments, townhouses, bungalows & mansionettes Up to 95% LTV Max KES ~100M Equity Release Unlock cash from your existing property without selling 80% LTV Max KES ~80M Mortgage Refinancing Take over from another bank or consolidate facilities 80% LTV Max KES ~80M Diaspora Mortgage Kenyans abroad & expats purchasing property in Kenya Up to 90% LTV Tenor: 20 Yrs KMRC AFFORDABLE HOUSING Special Initiative – Single-Digit Interest Rate 9.5% Fixed Rate KES 10.5M Max Loan KES 15M Max Property 25 Yrs Max Tenor 105% Max LTV Open to Kenyans locally & in the diaspora | Min age 21, Max 65 | Residential property only KEY BENEFITS FOR YOUR EMPLOYEES Highest LTV in market – up to 95% for salaried staff (105% via KMRC) Tenors up to 25 years – keeps monthly instalments manageable KMRC single-digit rate: 9.5% fixed – significant savings vs market rates Equity release available – unlock property value for education, business or emergencies Mortgage tax relief available under Kenya Income Tax Act Credit life & domestic insurance arranged – family protected throughout K E Y P AR AM E T E R S AT A G L ANC E DSR 60% (65% multi-income) Tenor – Salaried Up to 25 Years Tenor – Diaspora Up to 20 Years Arrangement Fee 1.5% of loan amount Currency KES, USD, EUR, GBP
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Car Loans | Asset Finance for Personal Vehicles BRAND NEW VEHICLES 100% Financing 0% Deposit 8 Yrs Max Tenor USD 100K Max SOL FE AT U R E S Zero deposit – drive away with no upfront cash Ecobank pays dealer directly – secure transaction All reputable dealer network accepted Payment undertaking issued to vendor USED VEHICLES 90% Financing 10% Deposit 7 Yrs Max Tenor 7 Yrs Max Car Age FE AT U R E S Only 10% deposit required – accessible financing Ecobank-approved valuation report required Tracking device installed for full loan tenor Vehicle not older than 7 years from manufacture MANDATORY INSURANCE PACKAGE (all three required on every facility) ① Credit Life & Disability – EKE as first loss payee, full tenor ② Retrenchment & Redundancy – up to 9 months' instalments ③ Comprehensive Vehicle Cover – renewed annually, Ecobank as loss payee + Tracking device by EKE-approved provider for the full tenor E MPLOYE E BE NE FITS - W H Y C H OOSE E C OBA NK C AR FINANC E ? 100% Financing – no savings needed Fast 48-hr approval turnaround Repayments auto-deducted from salary Access approved dealer network & deals Insurance arranged – asset protected
Lending Products | Summary at a Glance Employee Banking Scheme – Ecobank Kenya P R O D U C T M AX T E N O R L T V R AT E M AX L I M I T D S R S T AN D O U T B E N E F I T Unsecured Personal Loan 7 Years (84 months) N/A (salary-backed) Risk-based From 14.76% Up to KES 7,000,000 60% (max DBR) No collateral · zero months banking history · top-ups & takeovers accepted · Credit Life + Retrenchment cover mandatory Mortgage – Outright Purchase 25 Years (salaried) Up to 95% LTV Risk-based (From 14.76%) (KES/USD/EUR/GBP) Up to KES ~100M 60% (65% multi- income) Highest LTV in market · salary + rental + spousal income considered · tax relief on mortgage interest KMRC Affordable Housing 25 Years Up to 105% (incl. costs) 9.5% p.a. Fixed KES 10,500,000 (property ≤ KES 15M) 60% Only single-digit fixed-rate mortgage in Kenya · open to diaspora · covers transaction costs within LTV Equity Release Up to 25 Years 80% LTV Risk-based From 14.76% Up to KES ~80M 60% Unlock property value without selling · proceeds usable for education, business or emergencies Diaspora Mortgage 20 Years Up to 90% LTV Risk-based From 14.76% Up to KES ~80M equiv. 60% Available to Kenyans abroad & expats · KES / USD / EUR / GBP · credit life & property insurance arranged Car Loan – Brand New 8 Years (96 months) 100% Financing Risk-based From 14.76% USD 100,000 equivalent 60% Zero deposit · Ecobank pays dealer directly · 48-hr approval · comprehensive insurance + tracker arranged Car Loan – Used Vehicle 7 Years (84 months) 90% Financing Risk-based From 14.76% KES 10M (vehicle ≤ 7 yrs old) 60% Only 10% deposit · approved valuation required · salary auto-deduction · retrenchment & comprehensive cover Visa Credit Card (Classic / Gold) Revolving N/A Interest-free up to 50 days (3.5% pm thereafter) Classic: KES 300K Gold: KES 1,000,000 +5% DSR bundle bonus 50-day interest-free · +5% DSR when bundled with loan · globally accepted · online, contactless & travel use Salary Advance (Overdraft) 1 Month (next salary) N/A 3.5% – 7.5% (One-off processing fee) Up to 50% of net monthly salary Within existing DBR Same-day disbursement · available on mobile & online · auto-recovered from next salary credit · no default risk All lending products are subject to credit approval, Ecobank Kenya lending policy and CBK regulations. Rates are indicative and subject to prevailing terms at time of application. | Ecobank Kenya Limited | Confidential | 2025–2026
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA SALARY PROTECTION COVER (Retrenchment Cover) A life insurance bundled solution sold as a scheme for Ecobank Kenya salary accounts customers providing the following benefits: • Death Benefit • Funeral Benefit • Retrenchment/Income Protection - This benefit is payable to the assured member after suffering a loss of employment because of implementation of a staff reduction program affecting permanent employees, which results in the insured member not earning any income for a continued unemployment period of at least 30 (thirty) days. The reduction would be due to: • Adverse business condition • Introduction of new technology • Re-organization of the business by the employer
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK CURRENT ACCOUNTS Current accounts suited for your various needs and different customer profiles. Choose from a wide range of well-curated Transactional Accounts to help you manage your finances and make life easier. All supported by a powerful Mobile and Online Banking platform for ease of banking https://digitalekeonboard.ecobank.com/pwa/home
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA SCAN TO JOIN US : WE ARE HAPPY TO HAVE YOU
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK DEBIT CARDS For Direct Banking Clients For Advantage Banking Clients For Premier Banking Clients
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Infinite Card (New) ▪ Airport Lounge Access: Unlimited access to over 1,200 airport lounges worldwide with complimentary guest access. Check eligibility. ▪ Visa Infinite Insurance: Multi-trip travel insurance benefits for the cardholder, children, and parents/in-laws under 85 years. ▪ Buyers Protection: Additional security for eligible purchases. ▪ Extended Warranty: Extension of manufacturer warranty for up to an additional 24 months. ▪ Global Customer Assistance Service: Round-the-clock customer support every day of the year. ▪ Concierge Services: Personal assistant available 24/7 via digital or phone communication. ▪ AMREF Evacuation: Exclusive evacuation services in Kenya, with the option to upgrade radius and include family members. ▪ Pay support: Real time assistance with all their debit card declines through the CX team.
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK CREDIT CARDS With limits of up-to Kes 300,000 With limits of up-to Kes 1,000,000
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK VISA PREPAID CARDS Available in Kes and USD Available in Kes and USD
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA Prepaid Card Physical Use Case ❑ As a travel partner. ❑ Petty cash management for company employees ❑ For parents to disburse their child's upkeep. ❑ As a personal budget tool. ❑ A card to cater for your daily shopping expenses ❑ Payment of online expenses such as Netflix, Showmax, Apple ID, Google ads, LinkedIn Premium, Canva, Anti virus, other program licenses etc. ❑ Track your expenses on https://www.mycashxpress.com
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA BANCASSURANCE PILLARS & PARTNERS • Education insurance policies • Investment-linked insurance Policies • Embedded Income Protection insurance Policies • Credit life Insurance policies • Motor Insurance policies • Medical Insurance policies • Travel Insurance policies • Student Personal Accident Insurance policies • Last expense policies • Emergency Air and Road Medical Evacuation • Motor Insurance policies • Medical Insurance policies • Property Insurance policies • Last expense Insurance policies Life Insurance Sales Stand Alone Insurance Sales Medical Evacuation Policies Insurance Renewal Policies
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK REMITTANCE SERVICES Send and receive money across Africa and the world. Ecobank has over the years continued to work with other partners to provide first class transfer service to our customers.
ecobank.com/abetterway A BETTER WAY A BETTER AFRICA ECOBANK REMITTANCE SERVICES Send and receive money across Africa and the world. • Rapid transfer is an Ecobank proprietary remittance product in countries where Ecobank has retail operations or representative by alliance/agency. • Rapid transfer enables the sender to quickly and conveniently transfer money to someone (beneficiary) within a country (domestic) or cross- border Ecobank affiliates and Diaspora corridors. • Receive money into your Ecobank Kenya Account from other African Countries • Pay School Fees into Universities in Kenya from other African Countries
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