{"id":4048,"date":"2025-10-29T20:28:43","date_gmt":"2025-10-29T17:28:43","guid":{"rendered":"https:\/\/www.ghafla.co.ke\/sponsored\/?p=4048"},"modified":"2025-10-29T20:28:43","modified_gmt":"2025-10-29T17:28:43","slug":"co-op-bank-launches-kamilisha-a-new-digital-overdraft-facility","status":"publish","type":"post","link":"https:\/\/www.ghafla.co.ke\/sponsored\/co-op-bank-launches-kamilisha-a-new-digital-overdraft-facility\/","title":{"rendered":"Co-op Bank Launches Kamilisha, a New Digital Overdraft Facility"},"content":{"rendered":"

Co-operative Bank of Kenya has stepped into the fast-growing digital credit space with the launch of Kamilisha, a new short-term overdraft facility.<\/p>\n

This facility lets customers top up their accounts instantly – up to Sh100,000 – whenever they fall short during payments.<\/p>\n

The new product allows users to complete transactions such as bill payments, stock purchases, and money transfers even when their balances can\u2019t cover the full amount.<\/p>\n

It\u2019s Co-op Bank\u2019s latest move in the battle for Kenya\u2019s digital lending market, going head-to-head with Equity Bank\u2019s Eazzy Overdraft and Safaricom\u2019s Fuliza service.<\/p>\n

In a notice to their customers, the bank says:<\/p>\n

\u201cKamilisha bridges the gap between what you have and what you need to finalize your payment, helping you stay on track financially,\u201d<\/em><\/p>\n

\"\"<\/a>
A Co-op Bank branch in uptown Nairobi, Kenya (Image: Files)<\/figcaption><\/figure>\n

Kamilisha: Flexible, Affordable and Instant<\/strong><\/p>\n

Customers using Kamilisha will pay a 2% one-off access fee on the borrowed amount.<\/p>\n

The access fee comes alongside a daily maintenance fee of 0.2% on the outstanding balance and a credit life insurance charge of 0.034% per month.<\/p>\n

An excise duty of 20% applies to the access fees.<\/p>\n

Altogether, that translates to roughly Sh84.34 per month, or an effective cost of about 8.4% per month, assuming the loan is fully used over that period.<\/p>\n

In comparison, Fuliza charges around Ksh6 daily on a Sh1,000 overdraft – about Ksh180 a month – making Co-op\u2019s new product notably cheaper.<\/p>\n

Repayment and Access<\/strong><\/p>\n

Once activated, the access fee, excise duty, and insurance are deducted immediately.<\/p>\n

Interest accrues daily and is recovered as soon as new funds are deposited into the customer\u2019s account.<\/p>\n

Borrowed amounts are due within 30 days from the first disbursement, and repayments are automatically deducted from subsequent deposits.<\/p>\n

According to Co-op Bank, the overdraft limit will depend on each customer\u2019s credit score, account usage and transaction patterns.<\/p>\n

\u201cWe review salary deposits, business turnover, and account behavior to determine what you qualify for.<\/em><\/p>\n

To grow your limit, just keep using Kamilisha actively and clear your balances promptly,<\/em>\u201d the bank explained.<\/p>\n

Raising the Stakes in Digital Lending<\/strong><\/p>\n

With Kamilisha, Co-op Bank joins the digital credit race that has long been dominated by telcos and fintechs.<\/p>\n

The lender already offers a suite of digital products – including salary advances and the popular Co-op kwa Maji loan – as it continues strengthening its position in the mobile lending ecosystem.<\/p>\n

As competition tightens, Co-op\u2019s Kamilisha is likely to appeal to customers seeking a reliable, regulated, and fairly priced overdraft service – especially those who\u2019ve grown weary of the steep daily rates associated with existing lenders.<\/p>\n","protected":false},"excerpt":{"rendered":"

Co-operative Bank of Kenya has stepped into the fast-growing digital credit space with the launch of Kamilisha, a new short-term overdraft facility. This facility lets customers top up their accounts instantly – up to Sh100,000 – whenever they fall short during payments. The new product allows users to complete transactions such as bill payments, stock […]<\/p>\n","protected":false},"author":6067,"featured_media":4049,"comment_status":"open","ping_status":"open","sticky":false,"template":"template-parts\/template3.php","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[499,1196,1336],"class_list":["post-4048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sponsored","tag-co-op-bank-kenya-news","tag-co-op-bank-loan-interest","tag-kamilisha-overdraft-news"],"yoast_head":"\nCo-op Bank Launches Kamilisha, a New Digital Overdraft Facility - Ghafla! 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