{"game_intel_data":{},"featured_reviews":[{"content":"This is the best banking app in Kenya without a doubt. You can do virtually almost everything on this app. I have two accounts which I operate within the app. I can even do forex exchange right on the app. The best thing about I and M is they try to lower the costs of their transactions. Free to mpesa for example. It's not predatory. I and M is the bank of the future I am not kidding. I have rarely had issues with the app and when you do customer service always sorts you out.","version":"4.11.851","date":"2026-06-02T00:00:00Z","rating":5,"app_id":"com.imbank.digital.retail.app","username":"Ratimo Aduke","title":"","country":"US","tags":["service","customer_support","pricing"],"review_id":"7c8bf447-3568-44fd-9aa6-aab80a9763a8"},{"content":"Happy to see that you've solved the downtime issues which was the biggest problem before. I do very much like how easily you can create a new account just through the app. I wish it had tap to pay for added convenience, hopefully it will be put sooner rather than later. Edit: Have to revise my review down to 1 star. This is to bring to your attention that not all transactions are reflecting in the transaction list which is a very serious issue that needs to be resolved with haste!","version":"4.11.851","date":"2026-06-18T00:00:00Z","rating":1,"app_id":"com.imbank.digital.retail.app","username":"David Odhiambo","title":"","country":"US","tags":["updates_and_maintenance","feature_requests","performance_and_bugs","error_handling_and_messages"],"review_id":"6620eca8-634c-4c54-aa7c-1e913a326929"},{"content":"A very nice app! It's like having a bank in my hands. Whenever I want to do transactions, I can do it even in bed 🛏️. You can lock your money too and earn interest. I am blue 💙, and the color is very attractive to my eyes, so I feel connected to the bank. It's also a safe and secure bank to grow with. I highly recommend it to anyone who wants peace of mind about handling their banking needs.","version":"4.11.851","date":"2026-05-27T00:00:00Z","rating":5,"app_id":"com.imbank.digital.retail.app","username":"James Ngugi","title":"","country":"US","tags":["service","design","security"],"review_id":"9cd598cc-ab57-4321-868c-e22edbc474e9"}],"related_apps":[{"app_id":"com.airtel.africa.selfcare","app_view_url":"/android/us/airtel-africa/app/my-airtel/com.airtel.africa.selfcare/","country":"US","icon_url":"https://play-lh.googleusercontent.com/6oh2-7M8x7cGe411dzTjvtQInFg-oANWiNmaS3949nVyhcQJTMsfgf6JbGxmk_lHzum3jGayVvrVBgkgybNG8w=s150","name":"My Airtel","os":"android","price":{"currency":"USD","value":0,"string_value":"$0.00","subunit_to_unit":100},"publisher_id":"Airtel+Africa","publisher_name":"Airtel 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on Any Network","custom_fields_filter_id":{"errors":["Invalid params values: [nil], name: \"Advertised on Any Network\""]}},"categories":[{"name":"Finance","id":"finance"}],"content_rating":"Everyone","description":{"full_description":"Banking has never been easier. The I&M App allows you to enjoy unique banking services on your device anywhere and at any time.
The features that you will enjoy include;
1.\tSelf- registration & Login (Username + Password + Biometrics)
2.\tSwitch Context (Service agreement selection)
3.\tDashboard overview
4.\tAccounts overview- Operative, Deposit, Loan, Savings accounts and Credit cards
5.\tMobile money (Send money to Mobile, Mpesa Pay Bill, Till)
6.\tLocal payments (Own, Within, Pesalink and RTGS)
7.\tInternational payments
8.\tKRA Payment
9.\tPesalink to phone
10.\tUtility payments
11.\tAirtime top-up
12.\tJoint account:- Payments approval.
13.\tTransaction History
14.\tStatement
15.\tServices Requests:- Stop cheque and Lock/ Unlock credit card
16.\tManage Standing instructions
17.\tBeneficiary management
18.\tProfile management:- View basic customer details, Add a profile picture and remove profile picture
19.\tPreference and settings:- Change password, Disable transaction OTPs and Setup biometrics (Mobile apps)
20.\tStep-up authentication:- OTP via SMS and OTP via Email
21.\tNotifications
22.\tLogout.
23. Digital Lending:- I&M Bank's Unsecured personal loan (This feature is expounded further below)
DIGITAL LENDING - I&M BANK'S UNSECURED PERSONAL LOAN
The Unsecured personal loan is the unsecured instalment-based loan offered to existing I&M Bank customers that have been pre-scored/pre-approved to meet their short and medium term needs.
Unsecured loan features:
•\tLoan minimum limit amount KES 50,000
•\tLoan maximum limit amount KES 3,000,000.
•\tProcessing fee Charged at 4% flat on the loan amount.
•\tExcise duty – 20% on the processing fee amount charged.
•\tLoan tenor Min 1 month – Max 60 months.
•\tLoan interest charged 14.8% pa.
•\tCredit life Insurance Fee 0.028% per month
Which customer is Eligible for a Personal Loan?
•\tA customer who has an active account with I&M Bank for a minimum period of six months will be eligible for a personal loan.
•\tAn individual who is within the risk appetite threshold that has been set by the bank.
•\tCustomer that has no non-performing loan facilities
•\tCustomer that has passed all the eligibility business policy rules
The amount of one’s limit growth/reduction will depend on their savings and loan repayment behavior. Having a good loan repayment history, channeling your salary/Business proceeds will increase their chance of increased loan limit.
The customer’s loan instalment shall be recovered from operative/transactional account every due date.
The customer is at liberty to make early payments with no consequence to them in terms of penalties.
Our Privacy Notice:- https://www.imbankgroup.com/ke/information-security/privacy-notice/
Our Personal Loan Terms and Conditions:- https://www.imbankgroup.com/ke/wp-content/uploads/sites/2/2022/03/TERMS-AND-CONDITIONS_Personal-Loans-Final.pdf","app_summary":"'I&M OTG Personal KE', published by a Kenya-based company. The app was last updated on 27 April 2026. Released in US on 23 August 2021 and globally on 23 August 2021. 'I&M OTG Personal KE' belongs to the 'Finance' category maintaining a content rating of 'Everyone'. Last month's estimates were 30k downloads. The app is available in Kenya, Qatar, and Uganda but not being advertised actively. Sign up / Sign in to learn more about the time spent, session durations, usage & engagement (DAU, WAU, MAU), retention, churn, marketshare, growth trends, and other market statistics.","short_description":"I&M App offers you a safe, secure and convenient mobile banking experience"},"has_in_app_purchases":false,"installs":"500K - 1M","language":"EN","support_url":"https://www.imbank.com/","top_countries":["KE","QA","UG"],"valid_countries":["AE","AO","AR","AT","AU","AZ","BD","BE","BF","BG","BH","BJ","BO","BR","BY","CA","CG","CH","CI","CL","CM","CN","CO","CR","CY","CZ","DE","DK","DO","DZ","EC","EE","EG","ES","FI","FR","GB","GE","GH","GR","GT","HK","HR","HU","IE","IL","IN","IQ","IT","JO","JP","KE","KH","KR","KW","KZ","LA","LB","LK","LT","LU","LV","LY","MA","ML","MM","MO","MT","MX","MY","MZ","NI","NL","NO","NZ","OM","PA","PE","PL","PT","PY","QA","RO","RS","RU","SA","SE","SG","SI","SK","SN","SV","TN","TR","TW","TZ","UA","UG","US","UY","UZ","VE","VN","YE","ZA","ZM","ZW"],"available_countries":["KE","US","CY","MM","MO","IE","NI","GB","CN","RO","NL","GR","CZ","HU","SA","PL","FI","TR","NO","MY","DK","YE","LY","BE","AZ","CH","PY","UY","DZ","SK","OM","GH","DO","KH","LB","MG","IL","PT","CO","BM","MA","QA","CR","BH","EC","EE","LT","GT","UZ","AF","TN","SI","AO","KZ","MT","MZ","LV","AR","NZ","HK","BG","BB","UA","RS","VE","GE","EG","ZA","HR","PA","BO","KW","BY","PE","CL","LK","SV","AT","IQ","SG","AE","PK","VN","TH","JP","AU","BR","CA","FR","DE","KR","MX","ES","IT","RU","IN","ID","LU","NG","PH","SE","TW","BD","BJ","BF","CM","CG","CI","JO","LA","ML","SN","TZ","UG","ZM","ZW"],"pre_order_countries":[],"website_url":"https://www.imbank.com/","app_id":"com.imbank.digital.retail.app","app_view_url":"/android/us/i-m-bank-limited/app/i-m-otg-personal-ke/com.imbank.digital.retail.app/","country":"US","icon_url":"https://play-lh.googleusercontent.com/LfvJcNwaJXj9Cr5YOaDBmkX6Xfy4c37-NxkuA0F2S81vLC_n9UIBEGtAR-avvRnVlz78eWvsejyQd7pQWTfsLg=s150","name":"I&M OTG Personal KE","os":"android","price":{"currency":"USD","value":0,"string_value":"$0.00","subunit_to_unit":100},"publisher_id":"I&M+Bank+Limited","publisher_name":"I&M Bank Limited","publisher_profile_url":"/publisher/android/I&M+Bank+Limited","rating":3.606060606060606,"rating_breakdown":[880,0,0,160,1600],"rating_count":2640,"country_release_date":1629676800000,"current_version":"4.11.851","file_size":"Varies with device","first_released_in":["KE","US","CY","MM","MO","IE","NI","GB","CN","RO","NL","GR","CZ","HU","SA","PL","FI","TR","NO","MY","DK","YE","LY","BE","AZ","CH","PY","UY","DZ","SK","OM","GH","DO","KH","LB","IL","PT","CO","BM","MA","QA","CR","BH","EC","EE","LT","GT","UZ","TN","SI","AO","KZ","MT","MZ","LV","AR","NZ","HK","BG","UA","RS","VE","GE","EG","ZA","HR","PA","BO","KW","BY","PE","CL","LK","SV","AT","IQ","SG","AE","PK","VN","TH","JP","AU","BR","CA","FR","DE","KR","MX","ES","IT","RU","IN","ID","LU","NG","PH","SE","TW","BD","BJ","BF","CM","CG","CI","JO","LA","ML","SN","TZ","UG","ZM","ZW"],"minimum_os_version":"8.0","publisher_country":"Kenya","recent_release_date":1777248000000,"release_date":1629676800000,"release_status":"REGIONAL_RELEASE","supported_languages":[],"worldwide_release_date":1629676800000,"store_removal_date":null,"cohort_id":null,"worldwide_last_month_revenue":{"unit":"cent","type":"currency","currency":"USD","value":100000},"worldwide_last_month_downloads":{"unit":"unit","type":"integer","value":30000},"category_rankings":{"app_id":"com.imbank.digital.retail.app","country":"US","android":{"top_free":null,"top_grossing":null,"top_paid":null}}}