The Kenya Deposit Insurance Corporation (KDIC) has published the official list of institutions whose deposits are insured up to 30 June 2026.
Deposits placed in these institutions are protected under the Kenya Deposit Insurance Act, 2012, which guarantees up to KSh 500,000 per depositor per institution in the event of a bank failure.
This statutory guarantee strengthens confidence in the financial system and protects small depositors against potential losses.
What the Insurance Means
KDIC coverage acts as a safeguard for depositors. Should a licensed bank, mortgage finance institution, or microfinance bank collapse, each depositor is eligible to receive up to KSh 500,000.
- •The cover is automatic, requires no registration, and is funded through annual contributions paid by member institutions.
- •The 2025 update confirms that all 39 commercial banks, one mortgage finance institution (HFC Ltd), and 14 licensed microfinance banks remain protected.
Member Institutions (as of September 2025):
Commercial Banks
| No. | Bank Name |
|---|---|
| 1 | ABSA Bank of Kenya Limited |
| 2 | Access Bank (Kenya) PLC |
| 3 | African Banking Corporation Limited |
| 4 | Bank of Africa Kenya Limited |
| 5 | Bank of Baroda (K) Limited |
| 6 | Bank of India Limited |
| 7 | Citibank N.A Kenya |
| 8 | Commercial International Bank (CIB) Kenya Limited |
| 9 | Consolidated Bank of Kenya Limited |
| 10 | Co-operative Bank of Kenya Limited |
| 11 | Credit Bank Limited |
| 12 | Development Bank of Kenya Limited |
| 13 | Diamond Trust Bank Kenya Limited |
| 14 | DIB Bank Kenya Limited |
| 15 | Ecobank Kenya Limited |
| 16 | Equity Bank Kenya Limited |
| 17 | Family Bank Limited |
| 18 | Guaranty Trust Bank (K) Limited |
| 19 | Guardian Bank Limited |
| 20 | Gulf African Bank Limited |
| 21 | Habib Bank A.G Zurich |
| 22 | I & M Bank Limited |
| 23 | KCB Bank Kenya Limited |
| 24 | Kingdom Bank Limited |
| 25 | Middle East Bank (K) Limited |
| 26 | M-Oriental Bank Limited |
| 27 | National Bank of Kenya Limited |
| 28 | NCBA Bank Kenya Plc |
| 29 | Paramount Bank Limited |
| 30 | Premier Bank Kenya Limited |
| 31 | Prime Bank Limited |
| 32 | SBM Bank Kenya Limited |
| 33 | Sidian Bank Limited |
| 34 | Stanbic Bank Kenya Limited |
| 35 | Standard Chartered Bank Kenya Limited |
| 36 | UBA Kenya Bank Limited |
| 37 | Victoria Commercial Bank Limited |
Mortgage Finance Institution
| No. | Institution |
| 1 | HFC Limited |
Microfinance Banks
| No. | Institution |
| 1 | Branch Microfinance Bank Limited |
| 2 | Caritas Microfinance Bank Limited |
| 3 | Choice Microfinance Bank Limited |
| 4 | Faulu Microfinance Bank Limited |
| 5 | Kenya Women Microfinance Bank Limited |
| 6 | LOLC Microfinance Bank Limited |
| 7 | On It Microfinance Bank Limited |
| 8 | Muungano Microfinance Bank Limited |
| 9 | Rafiki Microfinance Bank Limited |
| 10 | Salaam Microfinance Bank Limited |
| 11 | SMEP Microfinance Bank Limited |
| 12 | Sumac Microfinance Bank Limited |
| 13 | U & I Microfinance Bank Limited |
| 14 | Umba Microfinance Bank Limited |
While the KSh 500,000 ceiling limits protection for large depositors, the vast majority of retail depositors fall within this threshold.
