{"id":44,"date":"2025-04-26T06:27:21","date_gmt":"2025-04-26T06:27:21","guid":{"rendered":"https:\/\/kba.co.ke\/site25\/?page_id=44"},"modified":"2025-05-08T08:45:45","modified_gmt":"2025-05-08T08:45:45","slug":"consumer-guide","status":"publish","type":"page","link":"https:\/\/www.kba.co.ke\/site25\/consumer-guide\/","title":{"rendered":"Consumer Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"44\" class=\"elementor elementor-44\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94f6664 e-flex e-con-boxed e-con e-parent\" data-id=\"94f6664\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f520f1 ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"5f520f1\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One Industry . Transforming Kenya<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a494bc elementor-widget elementor-widget-heading\" data-id=\"2a494bc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consumer Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22c2184 e-con-full e-flex e-con e-parent\" data-id=\"22c2184\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-82db868 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"82db868\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f8d007 elementor-widget elementor-widget-text-editor\" data-id=\"9f8d007\" data-element_type=\"widget\" data-settings=\"{&quot;_animation_mobile&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Kenya Bankers Association (KBA) encourages its members to employ best practice when providing financial services, including the highest level of customer care when engaging with the banking public. The purpose of this Consumer Guide, therefore, is to define standards of good banking practice for both bank customers and members of the Kenya Bankers Association.<\/p><p>An English and Kiswahili translation of this Guide can be downloaded here.<\/p><p><b>DISCLAIMER:\u00a0<\/b>The first edition of this Guide was published by the KBA in 2001 as \u2018The Banking Code\u2019. Please note that not all banks offer the entire suite of products and services covered in this Guide. The relationship between a customer and their Bank is contractual therefore this Consumer Guide is by no means a binding document with legal obligations between any customer and his\/her bank nor does it vary any clause in any contract between a customer and the Bank. Moreover, this Guide shall not be quoted in any proceedings between any KBA member and customer or customers either in part or in whole.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c87ad9a e-con-full e-flex e-con e-child\" data-id=\"c87ad9a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f27eb14 e-con-full e-flex e-con e-child\" data-id=\"f27eb14\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78cec68 elementor-widget__width-initial ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"78cec68\" data-element_type=\"widget\" data-settings=\"{&quot;_animation_mobile&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOWNLOADS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5e2787 e-grid e-con-full e-con e-child\" data-id=\"b5e2787\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8447ee ha-mode--compact ha-direction--right elementor-widget elementor-widget-ha-list-group happy-addon ha-list-group happy-addon-pro\" data-id=\"b8447ee\" data-element_type=\"widget\" data-settings=\"{&quot;_animation_mobile&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"ha-list-group.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <ul class=\"ha-list-wrap\">\n            \n                <li class=\"ha-list-item ha-list-item-custom elementor-repeater-item-0cd972c\">\n\n                                        <a class=\"ha-link\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/KBA-Consumer-Guide-2014.pdf\">\n                    \n                        <div class=\"ha-item-wrap\">\n\n\t\t\t\t\t\t\t                                <div class=\"ha-icon icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-arrow-right-circle\"><\/i>                                <\/div>\n\n                            \n                            <div class=\"ha-text\">\n\t\t\t\t\t\t\t\t\t<!-- title tag start -->\n                                    <h4 class=\"ha-list-title\">\n                                        Consumer Guide to Banking in Kenya                                                                            <\/h4>\n\t\t\t\t\t\t\t\t\t<!-- title tag end -->\n\n                                                                    <p class=\"ha-list-detail\">\n                                        Click to Download                                    <\/p>\n                                                            <\/div>\n\n                                                            <div class=\"ha-direction\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>                                <\/div>\n                            \n                        <\/div>\n\n                                        <\/a>\n                    \n                <\/li>\n\n            \n                <li class=\"ha-list-item ha-list-item-custom elementor-repeater-item-b904662\">\n\n                                        <a class=\"ha-link\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/KBA-Consumer-Education-March-2014.pdf\">\n                    \n                        <div class=\"ha-item-wrap\">\n\n\t\t\t\t\t\t\t                                <div class=\"ha-icon icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-arrow-right-circle\"><\/i>                                <\/div>\n\n                            \n                            <div class=\"ha-text\">\n\t\t\t\t\t\t\t\t\t<!-- title tag start -->\n                                    <h4 class=\"ha-list-title\">\n                                        Consumer Education on Banking in Kenya Faqs                                                                            <\/h4>\n\t\t\t\t\t\t\t\t\t<!-- title tag end -->\n\n                                                                    <p class=\"ha-list-detail\">\n                                        Click to Download                                    <\/p>\n                                                            <\/div>\n\n                                                            <div class=\"ha-direction\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>                                <\/div>\n                            \n                        <\/div>\n\n                                        <\/a>\n                    \n                <\/li>\n\n            \n                <li class=\"ha-list-item ha-list-item-custom elementor-repeater-item-5cede0f\">\n\n                                        <a class=\"ha-link\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/KBA-Total-Cost-of-Credit-Template-March-2014.pdf\">\n                    \n                        <div class=\"ha-item-wrap\">\n\n\t\t\t\t\t\t\t                                <div class=\"ha-icon icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-arrow-right-circle\"><\/i>                                <\/div>\n\n                            \n                            <div class=\"ha-text\">\n\t\t\t\t\t\t\t\t\t<!-- title tag start -->\n                                    <h4 class=\"ha-list-title\">\n                                        Total Cost of Credit Template                                                                            <\/h4>\n\t\t\t\t\t\t\t\t\t<!-- title tag end -->\n\n                                                                    <p class=\"ha-list-detail\">\n                                        Click to Download                                    <\/p>\n                                                            <\/div>\n\n                                                            <div class=\"ha-direction\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>                                <\/div>\n                            \n                        <\/div>\n\n                                        <\/a>\n                    \n                <\/li>\n\n                    <\/ul>\n\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d559f9b e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"d559f9b\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bee9b3 e-con-full animated-slow elementor-hidden-mobile e-flex elementor-invisible e-con e-child\" data-id=\"5bee9b3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38842b5 ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"38842b5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Links<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0db4fcd elementor-icon-list--layout-traditional elementor-list-item-link-full_width ha-has-bg-overlay elementor-widget elementor-widget-icon-list\" data-id=\"0db4fcd\" data-element_type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:153,&quot;sticky_offset_tablet&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/atm-safety-awareness\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">ATM Safety Awareness<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/banking-terms-glossary\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banking Terms Glossary<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/cheque-clearing\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cheque Clearing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/coin-week\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coin Week<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/islamic-banking-glossary\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Islamic Banking Glossary<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/payment-cards-in-kenya\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Payment Cards in Kenya<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.costofcredit.co.ke\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Total Cost of Credit<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/unclaimed-financial-assets-act\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Unclaimed Financial Services Act<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-and-Branches-July-2023v.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bank Branch Code<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/financial-literacy-and-education\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financial Literacy and Education<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>One Industry . Transforming Kenya Consumer Guide The Kenya Bankers Association (KBA) encourages its members to employ best practice when providing financial services, including the highest level of customer care when engaging with the banking public. The purpose of this Consumer Guide, therefore, is to define standards of good banking practice for both bank customers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-44","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":13,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/44\/revisions"}],"predecessor-version":[{"id":1731,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/44\/revisions\/1731"}],"wp:attachment":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/media?parent=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}