I&M OTG Personal KE 4.2.604

Banking services have been made convenient with the I&M App, allowing users to access a variety of banking features on their devices at any time and from anywhere.

The app provides an array of features including:

1. Self-registration & Login (Username + Password + Biometrics)
2. Switch Context (Service agreement selection)
3. Dashboard overview
4. Accounts overview - Operative, Deposit, Loan, Savings accounts, and Credit cards
5. Mobile money (Send money to Mobile, Mpesa Pay Bill, Till)
6. Local payments (Own, Within, Pesalink, and RTGS)
7. International payments
8. KRA Payment
9. Pesalink to phone
10. Utility payments
11. Airtime top-up
12. Joint account: Payments approval
13. Transaction History
14. Statement
15. Services Requests: Stop cheque and Lock/Unlock credit card
16. Manage Standing instructions
17. Beneficiary management
18. Profile management: View basic customer details, Add a profile picture, and remove a profile picture
19. Preference and settings: Change password, Disable transaction OTPs, and Setup biometrics (Mobile apps)
20. Step-up authentication: OTP via SMS and OTP via Email
21. Notifications
22. Logout
23. Digital Lending: I&M Bank's Unsecured personal loan (Further details provided below)

    DIGITAL LENDING - I&M BANK'S UNSECURED PERSONAL LOAN

    The Unsecured personal loan offers existing I&M Bank customers pre-scored/pre-approved loans tailored to meet their short and medium-term financial needs. Features include:

    • Loan minimum limit amount KES 50,000
    • Loan maximum limit amount KES 3,000,000.</il <ill i Processing fee Charged at a flat rate of 4% on the loan amount.
      
      
      
      </iil i Credit life Insurance Fee: 0.028% per month
      </iil i Loan tenor Minimum of 1 month - Maximum of 60 months
      </ill i Loan interest charged at a rate of pa.</ill <np>The eligibility criteria for a Personal Loan include having an active account with I&M Bank for a minimum of six months, staying within the bank's risk appetite threshold, maintaining no non-performing loan facilities and adhering to all eligibility business policy rules. Loan limits are adjusted based on savings and repayment behavior.

      The Privacy Notice can be found here, while the Personal Loan Terms and Conditions are available here.