Current Account

This account is ideal for business, either as an individual business name or limited liability company.

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Personal Account

This account is ideal for individuals who want to save and transact. This account will help

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Business Accounts

Your business is unique and tailored to meet the needs of your customers,first priority is customers

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Explore Rafiki Microfinance Bank

We offer tailor made banking solutions to our clients drawn from various segments of the economy.

Safe & Secure

Our security practices along with a multi-level authentication system has been put in place to authenticate your identity when you access your online account.


We provide customers with loans at affordable interest rate to ensure customer satisfaction and business continuity.

Transfer Money

Send money to friends, families, business associates and others from the comfort of your home.

24/7 Personal Support

We offer in-person service where and when you need it – in the branch, on your phone or online.


Locations as per County on Google maps.

Find our branches & ATM

Need Help ?

We are here, we will support you in case of any inquiry.

Get in Touch


Who we are

Rafiki Microfinance Bank is licensed and regulated by the Central Bank of Kenya, through the Microfinance Act, 2006 (amended, 2013). It is the third largest microfinance institution in Kenya. Rafiki has 19 branches spread across 11 counties in Kenya.

The microfinance bank uses the branches, internet banking, mobile banking, agency banking and VISA ATM network to serve customers. Rafiki offers savings facilities, credit, money transfer services, trade finance forex and banc-assurance services.

The sectors that Rafiki is actively involved are energy, housing, trade, health, education and agriculture among others. Rafiki targets the gap between micro-enterprises and large or medium enterprises, called the missing middle.


Our Vision

The Leading Microfinance Bank in Innovative Financial Solutions.

Our Mission

We support the growth and development of individuals, communities and MSMEs through providing integrated innovative financial solutions.

Our Core Values

  • Open Minded
  • United Through Teamwork
  • Respect
  • Professionalism
  • Responsible and Accountable
  • Integrity
  • Dependable
  • Effective Customer Focus

What we offer:

Economically active low income market with a focus on the youth segment including:

  • Farmers.
  • Salaried & self-employed.
  • Start-ups & existing youth business enterprises.
  • Self-help groups.
  • Investment clubs.

Daniel Mavindu-Chairman.

Joseph Njuguna-CEO.

Stephen Mugwe-Member.

Aggrey Jonathan-Member.


The Rafiki Mkononi App is the one-stop place for all banking and financial needs for Rafiki customers. Featuring a bold and modern visual design, it’s been carefully crafted to deliver a beautiful user experience.

Download Rafiki Mkononi App today.

Your one stop solution to convenient banking.