M-Oriental Bank
- Company typePrivate
- Founded2002
- HeadquartersNairobi, Kenya
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
M-Oriental Bank firmographics
Firmographics- Name
- M-Oriental Bank
- Legal name
- M-Oriental Bank Limited
- Website
- https://moriental.co.ke
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
M-Oriental Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- Commercial Banks, Nec (6029)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where M-Oriental Bank is headquartered
LocationHeadquarters
- HQ city
- Nairobi
- HQ country
- Kenya
- HQ region
- Africa
Offices7 records
Markets served
M-Oriental Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from lending activities including overdrafts, term loans, asset finance, and trade financing. The bank charges competitive interest rates on credit facilities and has recently reduced its base lending rate from 14.5% to 13.6% per annum effective September 2025.
- Fee-based Income: Transaction fees including SWIFT transfer fees (flat fee regardless of amount for international transfers), commitment fees of 1-2% per annum on credit facilities, and various account maintenance charges per tariff guide.
- Deposit Taking: Interest earned on customer deposits including fixed deposits, call deposits, and savings accounts. Fixed deposits offered in KES, USD, GBP, and EUR currencies with competitive interest rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Corporate Current Account - Basic |
| Subscription | Monthly | Personal Savings Account |
| Subscription | Monthly | Personal Current Account |
| Subscription | Monthly | Share Financing Savings Account |
| Usage-based | Pay-as-you-go | Overdrafts and Term Loans |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
M-Oriental Bank product offering
Product offeringCore offering
M-Oriental Bank is a Kenyan commercial bank regulated by the Central Bank of Kenya that offers corporate and personal banking products including current accounts (multi-currency: KES, USD, EUR, GBP), savings accounts, overdrafts, term loans, asset finance, insurance premium finance, trade finance (letters of credit, bank guarantees), bulk salary processing, tax payment, and treasury services (SWIFT transfers, FX spot dealing). The bank serves customers through 7 branches across Kenya, an Internet Banking platform, and M-Pesa Paybill integration.
Product overview
M-Oriental Bank is a Kenyan commercial bank offering a comprehensive suite of banking products and services. The bank's portfolio consists of corporate and personal banking solutions including current accounts, savings accounts, overdrafts and term loans, asset finance, insurance premium finance, and trade finance. Treasury services provide foreign exchange capabilities through SWIFT transfers, FX spot dealing, and currency accounts. Digital banking is delivered via Internet Banking platform with M-Pesa Paybill integration for mobile money transfers. Additional services include bulk salary processing, tax payment solutions, school fees collection accounts, and share financing. The bank operates from branches across Kenya including Nairobi CBD, Westlands, Mombasa Road, Nakuru, Eldoret, Kitale, and Mombasa, and is regulated by the Central Bank of Kenya.
Differentiator
Problem solved
Functional benefit
Products and services
- Corporate Current Accounts Bespoke current accounts for corporate clients in major currencies (KES, USD, EUR, GBP) with opening balance of KES 5,000, free monthly statements, free daily email statements, and overdraft facilities at competitive interest rates.
- Savings Account Personal savings account with minimum balance of KES 500, attractive interest rates credited monthly, no minimum withdrawal restrictions, and no account maintenance fee.
- Personal Current Accounts Current accounts for individuals in major currencies (KES, USD, EUR, GBP) with opening balance of KES 1,000 and free monthly statements.
- Overdrafts & Term Loans Working capital financing with overdraft facilities renewable yearly, plus short, medium, and long-term credit for business expansion, fixed asset acquisition, or commercial property purchase. Loan repayments up to 6 years, with commitment fees of 1-2% per annum and base lending rate of 13.6% p.a. effective September 2025.
- Asset Finance Asset-backed finance for business growth covering construction, transport, manufacturing, quarrying, printing, processing, and material handling sectors. Financing of assets not exceeding 6 years old with repayment starting one month after disbursement.
- Insurance Premium Finance Business protection solution through insurance premium funding that breaks down large insurance premiums into affordable payments while providing protection against external shocks.
- Bulk Salary Processing Employer-focused service enabling fast and efficient employee salary payments from the convenience of employer premises using bulk payment files submitted at bank branches.
- Trade Finance Customized trade financing including Letters of Credit (Import, Export, Back to Back, Transferable), Bank Guarantees (Bid Bonds, Performance Bonds, Advance Payment Guarantees, Credit Guarantees, Financial Guarantees), Trade Financing (Pre-Shipment, Post Import, Negotiation), Bill Avalization, and Documentary Collections.
- Tax Payment Convenient ITAX payment service through Internet Banking platform using KRA PRN numbers from E-slips.
- Fixed & Call Deposits Term deposit products at fixed terms for agreed contractual interest rates available in KES, USD, GBP, and EUR, plus call deposits with flexible withdrawal options at agreed contractual rates.
- School Fees Collection Current account tailored for learning institutions enabling easy fee collection with free daily E-statements, free cash deposits and withdrawals, unlimited transactions, and interest on deposits.
- M-Pesa Paybill Mobile money integration service enabling fast and convenient money transfers from M-Pesa to bank accounts using PayBill Number 986500.
- Treasury Services Foreign exchange services including Daily Exchange Rates, SWIFT Transfers, Daily Market Newsletter, FX Spot Dealing, Currency Accounts, and Drafts.
- Share Financing Savings Account Investment financing solution for acquisition of listed shares at the Nairobi Stock Exchange at 3 times the balance on the share finance account, with minimum balance of KES 10,000.
- SWIFT Transfers International money transfer service via SWIFT network for transactions in major currencies (USD, EUR, GBP, JPY, CAD, CNY, ZAR, AUD, CHF, NZD) with flat fees regardless of transaction amount.
Quantifiable outcome
- Base lending rate reduced to 13.6% p.a. (down from 14.5%) effective September 2025, demonstrating commitment to competitive pricing
- +1 more outcomes
Companies that use M-Oriental Bank
Customer profileSegments4 records
Ideal customer profiles4 records
M-Oriental Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
M-Oriental Bank partnerships and signals
Strategic signalScale indicators5 records
Recent moves7 records
Expansion highlights5 records
M-Oriental Bank competitors and assessment
Company assessmentDirect peers
- NCBA Bank Kenya: Kenyan commercial bank formed from merger of NIC and CBA; offers corporate banking, trade finance, treasury and digital platforms. Comparable product suite to M-Oriental across personal and corporate segments.
- Co-operative Bank of Kenya: Kenyan commercial bank with strong SME and co-operative segment focus, offering current/savings accounts, trade finance, asset finance and digital channels. Closely comparable business mix and customer segment targeting.
- Gulf African Bank: Small-cap Kenyan commercial bank offering corporate and personal banking, trade finance and treasury services. Closest scale-comparable peer to M-Oriental among Kenyan banks by branch count and balance-sheet size.
- Family Bank Kenya: Kenyan mid-tier commercial bank focused on retail and SME banking. Comparable product set (current/savings, overdrafts, asset finance, mobile/internet banking) and comparable positioning against Tier-1 banks.
- KCB Bank Kenya: Tier-1 Kenyan commercial bank offering current accounts, trade finance, asset finance, FX/SWIFT and digital banking. Directly comparable to M-Oriental's full-service corporate and personal banking suite, with a substantially larger branch network.
- Equity Bank Kenya: Largest Kenyan bank by customer base with extensive branch and digital footprint; competes directly with M-Oriental in corporate current accounts, SME lending, trade finance and multi-currency services. Same regulatory regime (CBK) and same East African focus.
- I&M Bank Kenya: Mid-sized Kenyan commercial bank with a strong private/corporate banking franchise and East African regional presence. Closely comparable in scale, target segments (corporate, SME, affluent retail) and multi-currency capability.
- Diamond Trust Bank Kenya: Kenyan commercial bank with strong corporate and trade finance orientation and East African regional footprint. Directly comparable on multi-currency, trade finance and corporate banking.
Broad incumbents
- Absa Bank Kenya: Major Kenyan commercial bank with full retail, corporate and trade finance capability. Directly overlapping product suite with M-Oriental but operating at greater scale and with deeper digital investment.
- Standard Chartered Bank Kenya: Global incumbent operating in Kenya with strong trade finance, FX and corporate banking franchises. Competes for the same corporate and trade-finance clients as M-Oriental but at substantially larger scale and broader product depth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
M-Oriental Bank compliance and trust
Trust signalCompliance1 record
M-Oriental Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
M-Oriental Bank leadership team
Management profileNumber of profiles
Profiles14 records
M-Oriental Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M-Oriental Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about M-Oriental Bank
What does M-Oriental Bank do?
M-Oriental Bank is a Kenyan commercial bank regulated by the Central Bank of Kenya that offers corporate and personal banking products including current accounts (multi-currency: KES, USD, EUR, GBP), savings accounts, overdrafts, term loans, asset finance, insurance premium finance, trade finance (letters of credit, bank guarantees), bulk salary processing, tax payment, and treasury services (SWIFT transfers, FX spot dealing). The bank serves customers through 7 branches across Kenya, an Internet Banking platform, and M-Pesa Paybill integration.
Is M-Oriental Bank a public or private company?
M-Oriental Bank is a private company. It is classified as corporate owned and is currently operating.
When was M-Oriental Bank founded?
M-Oriental Bank was founded in 2002. It employs 101 to 250 people.
Where is M-Oriental Bank based?
M-Oriental Bank is headquartered in Nairobi, Kenya, in the Africa region.
How does M-Oriental Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee-based Income and deposit Taking.
Who are M-Oriental Bank's main competitors?
Direct peers on record are NCBA Bank Kenya, Co-operative Bank of Kenya, Gulf African Bank, Family Bank Kenya, KCB Bank Kenya, Equity Bank Kenya, I&M Bank Kenya and Diamond Trust Bank Kenya. Broad incumbents are Absa Bank Kenya and Standard Chartered Bank Kenya.
Does M-Oriental Bank have an API?
No public API is recorded for M-Oriental Bank.
What industry is M-Oriental Bank in?
M-Oriental Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAIAD, Account & Balance Services (Operating accounts, statements, eBAM). Its NAICS code is 52211 and its SIC code is 6029.