Branch

Branch Branch is a finance app with a complete e-wallet for transfers, bill payments, and savings, plus low-interest personal loans with no hidden fees and automatic spending reports.

Branch

Branch is a high-quality finance app that gives you a full e-wallet experience. With Branch, you can send money to friends and family, pay bills, and grow your savings. You can also apply for loans with very low interest and no hidden fees, designed to support your everyday needs.

The app automatically monitors your spending and bill activity, then creates easy-to-understand analysis reports so you can see where your money goes. You can even invest inside the app—plus, built-in tutorials help you learn and potentially earn extra income.

Key Features

Flexible loan options

• Choose personal loans from Ksh 500 up to Ksh 300,000.
• Select repayment periods from 62 days to 1 year.
• Get interest rates ranging from 2% to 18%, based on your personal risk profile.
• No processing fees and no onboarding fees.
• Funds can be used for needs such as medical expenses, home renovations, education, and more.

Savings and transfers

• Earn up to 15% return per year on investments (interest is paid weekly).



• Money saved in your Branch wallet can be accessed anytime.



• Alternatively, you can lock funds for a fixed period to potentially boost returns.
• Transfer money smoothly between Branch (Digital Bank & Loans) and MPESA.

Security and privacy

• Your information is protected using advanced encryption.
• All transactions and personal details are kept confidential.
• Designed to be both secure and accessible—making Branch a dependable option for digital banking in Kenya.

Why Branch Stands Out

Fair access for everyone

Branch helps many users get their first experience with a set of strong digital banking tools, including instant loans, money transfers, bill payments, and high-yield savings and investments—all in a single place.

Easy, smooth transactions

Your Branch wallet acts like a hub for our digital banking services. Send and receive money to family and friends with no hidden charges. Pay everyday bills with confidence, and enjoy bonuses and rewards along the way.

Pay with ease (Nigeria)

Branch launched a debit card in Nigeria so customers can make dependable payments and withdraw cash from ATMs without charges. Availability in other markets is coming soon.

Make your money work harder

Many customers use Branch to save and invest securely. With just a few taps, millions keep their funds protected in Branch and can benefit from competitive yields. Let your money grow while you focus on life.

FAQs

What is Branch?

Branch makes it simple for people in Kenya to access a loan at any time. Complete the application in seconds and receive your loan directly into your mobile money account. Think of it as a bank in your pocket. For more information, visit the website.

Where is Branch located?

Branch has offices in Nairobi (Kenya), Lagos (Nigeria), Mumbai (India), and San Francisco (United States).

Which countries does Branch operate in?

Currently, Branch operates in India, Kenya, Tanzania, and Nigeria.

Is there a Swahili version of Branch?

Yes. Make sure you’re using the latest version of the app, then open the app and go to My Account. Tap Edit next to Language, select Kiswahili, and tap Submit to save.

How can I get the latest version of the app?

You can use the update link provided, or go to Google Play, search for Branch International, and tap Update.

Why is my SIM unsupported?

This message may appear if Branch can’t detect the SIM it needs on your phone. Remove all other SIM cards and keep only the Safaricom SIM you want to use. Then log back into Branch. You should then be able to add your number and proceed with validation.

Can I change my identification number after I receive a loan?

No. Branch follows strict standards for data accuracy and integrity. That means you can’t change details that were used to process a successful loan application. We apologize for any inconvenience.

Final Thoughts

Overall, Branch is a strong option for anyone who needs quick access to funds but doesn’t fit traditional credit requirements. Its simple interface, fast loan processing, and focus on responsible lending make it a solid choice for people seeking financial support.