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Sidian Online Bank

Sidian Online Bank

Online banking allows you to bank whenever, wherever. It cuts out the need of going to the bank saving you time and money. When you have an internet connection, you have your own personal branch with you.

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Calculate how much your load would cost using the form below


Locate Us

Bungoma Branch
P. O. Box: 288 Bungoma
Mobile: 0755058127/227
Landline: 055-30032 / 30822 / 30108
Location: Moi Avenue, Opposite KCB
Buruburu Branch
P. O. Box: 853-00515, Buruburu
Mobile: 0724 253341
Landline: 020 784373/223/518/214
Location: Vision Plaza, First Floor, Buruburu Between Tuskys and Uchumi Supermarkets
Busia Branch
P. O. Box: 649 Busia
Mobile: 0755-058131
Landline: 055-22193
Location: Tesla Plaza
Chuka Branch
P. O. Box: 2544-60400, Chuka
Mobile: 0755-058115
Landline: 064-630302
Location: Captain House, Meru/Nairobi Highway
Eldoret Branch
P. O. Box: 1362, Eldoret
Mobile: 0724-253360 , 0733-600109
Landline: 053-20-60539 / 20-62835
Location: Kirem Arcade, Nairobi Road
Emali Branch
P. O. Box:
Mobile: 0755-058120, 0755-058220, 0714-779941
Location: Next to Post Bank Nairobi/Mombasa Highway
Embu Branch
P. O. Box: 1167 Embu
Mobile: 0755058206 /0750555029/0750555 030
Landline: 068-30587/31014/5/6
Location: Mumaka Building, Embu Kiritiri Road, Opp. Uchumi Supermarket
Head Office
P. O. Box: P.O. Box 25363-00603, Nairobi
Mobile: 0711 058000-7 , 0732 158000
Landline: 020 3906000-7
Location: K-Rep Center, Wood Avenue, Kilimani, Nairobi
Isiolo Branch
P. O. Box: 188, Isiolo
Mobile: 0755058223/123
Location: Ibada Plaza Building Isiolo Town, along Isiolo Marsabit Road
Kajiado Branch
P. O. Box: 377, Kajiado
Mobile: 0724-255190 , 0734-312891
Landline: 045-21205 / 21406
Location: Kajiado Township, Market Road
Kangemi Branch
P. O. Box: 25363-00603, Nairobi
Mobile: 0755-058119 / 0715428107
Location: Palace Building - Kangemi Opposite Naks Supermarket Next to Co-operative Bank
Kengeleni Branch
P. O. Box: 95615-80106, Mombasa
Mobile: 0724-995959, 0755-058235, 0755058134 / 0750555173
Location: Kongowea Market, Mombasa
Kenyatta Avenue Branch
P. O. Box: Box 4890-00200, Nairobi
Mobile: 0722-205905 / 0755058202
Location: Standard Building Kenyatta Avenue, Nairobi
Kenyatta Market Branch
P. O. Box: 4890-00200, Lavington
Mobile: 0722-205905 / 0755058202
Location: Ajit Chambers, Mtongwe Road Off Mbagathi Road
Kericho Branch
P. O. Box: 1455-20200 Kericho
Mobile: 0728-951772
Landline: 052-21409
Location: Kuriot House Moi Highway Opposite Police Station, next to Shell Petrol Station
Kerugoya Branch
P. O. Box: 1041-10300, Kerugoya
Mobile: 0755-058112
Landline: 060-021601 / 060 21453
Location: Kerugoya Kagumo Road, Opp. Total Petrol Station
Kibwezi Branch
P. O. Box: 390 Kibwezi
Mobile: 0755058126 / 0755058226
Location: Manna House, opp. Post Office
Kilimani Branch
P. O. Box: 25363-00603, Lavington
Mobile: 0711-058000/1-7 / 0732-158000
Landline: 390000/1-7
Location: K-Rep Centre, Wood Avenue, Kilimani
Kisii Branch
P. O. Box: 4110 Kisii
Mobile: 0728-970737 / 0733-590057
Landline: 058-31506 / 31456 / 9 / 61
Location: Ouru Superstore House
Kisumu Branch
P. O. Box: 3558 - 40100, Kisumu
Mobile: 0755058108 / 0755058208
Landline: 057-2026083/5
Location: Imperial Express Hotel, Oginga Odinga Road
Kitale Branch
P. O. Box: 314 Kitale, Kenya
Mobile: 0755058125/225
Location: Tanna Building, Kenyatta Street
Kitui Branch
P. O. Box: 408, Kitui
Mobile: 0755-058216 , 0750-555077
Location: Mututo Plaza, Kilungya Street
Machakos Branch
P. O. Box: 1932-90100, Machakos
Mobile: 0734-634444
Location: Mbolu Malu Road, off Syokimau Road
Meru Branch
P. O. Box: 3066 - 60200, Meru
Mobile: 0755-058124 / 0750-555120 / 0755-058224
Location: Ghana Road, Opp. Uchumi Supermarket
Mlolongo Branch
P. O. Box: 239-00519, Mlolongo
Mobile: 0705-411995 / 0750-555042/6/8
Location: Merchant Shopping Arcade
Moi Avenue Nairobi Branch
P. O. Box: 4928-00100 Nairobi
Mobile: 0728-970613 / 0750-555163
Location: Guilders Building, Opposite Ebrahim’s Supermarket
Msa. Moi Avenue Branch
P. O. Box: 90297-80100, Mombasa
Mobile: 0755058201, 0721-786446 /0733-717202
Location: Moi Avenue
Mtwapa Branch
P. O. Box: 513-80109 Mtwapa
Mobile: 0724-257109
Landline: 041-5480348
Location: Malindi Road – North Coast Next to Safaricom, Ground floor
Mwea Branch
P. O. Box: 352 Wanguru
Mobile: 0710-642764/0735-600264
Location: Nairobi Meru Highway Opposite Merica Petrol Station
Naivasha Branch
P. O. Box: 558, Naivasha
Mobile: 0755-058121/221
Landline: 050-2020590/1/2/3
Location: Naivasha Town, Moi Road Penibrah House, next to Total Petrol Station
Naivasha Road Branch
P. O. Box: 25363-00603 – Nairobi
Mobile: 0724-253352
Landline: 050-2020590/1/2/3
Location: Opp. Precious Blood Secondary School
Nakuru Branch
P. O. Box: 15222, Nakuru
Mobile: 0755-058103
Landline: 512216211
Location: Belpar House, Kenyatta Avenue, Nakuru
Nanyuki Branch
P. O. Box: 1359, Nanyuki
Mobile: 0711-311929, 0733-401077
Landline: 062-31902 /6 /38104
Location: Lumumba Road
Nkubu Branch
P. O. Box: 3066, Meru
Mobile: 0755-058129
Landline: 064-5051275
Location: Nkubu Centre, along Embu/Meru Road
Nyahururu Branch
P. O. Box:
Mobile: 0724-253346
Landline: 065-2022285
Location: Kenyatta Road
Nyeri Branch
P. O. Box: 870, Nyeri
Mobile: 0755 058104/204
Location: Caledonia House, Nyeri Next to Telcom Kenya
River Road Branch
P. O. Box: P O Box 25363-00603, Nairobi
Mobile: 0711058904
Location: Kamae Road, Off Luthuli Avenue
Rongai Branch
P. O. Box: 185 Rongai
Mobile: 0755-058253/4
Location: Honeymoon Building Magadi Road, next to Tuskys Supermarket
Sameer Branch
P. O. Box: P O Box 25363-00603, Nairobi
Mobile: 0711058906
Location: Along Mombasa road
Thika Branch
P. O. Box: 6043-0100, Thika
Mobile: 0711058211/111
Location: Nellion Plaza Harry Thuku Road, off Uhuru Highway
Two Rivers Branch
P. O. Box: P O Box 25363-00603, Nairobi
Mobile: 0711058665
Location: Kiambu Road
Westlands Branch
P. O. Box: P.O. Box 25363-00605 Nairobi, Kenya
Mobile: 0711058903
Location: Ground Floor, The Mall.

Sidian General Insurance

General Insurance

Crop Insurance

The insurance covers for physical loss or damage to growing crop directly caused by: drought, uncontrollable pests and diseases, flooding, fire and lightning and excessive rainfall.


The period of insurance is from germination to harvesting of the insured crops


The extensions below are given at an additional premium:

  1. Transit risks
  2. Storage risks

It covers the insured perils apart from those that are specifically excluded.

Domestic Package

Are you a home owner? This is the policy for you. Sidian Bank Domestic  Insurance, covers damage to  residential premises(house/apartmentss,walls,fences and gates) caused by ;

  • Fire, lightning, thunderbolt, earthquake or subterranean fire
  • Explosion
  • Riot & strike
  • Aircraft or another aerial device
  • Bursting or overflowing of a water tank apparatus or pipe
  • Theft accompanied by actual forcible and violent breaking
  • Impact with the buildings by any road vehicle or animal not belonging to the insured
  • Storm or tempest

The policy covers the contents, furniture and fittings, all risk items such as phones, jewellery, laptops and other portable items.

It also covers the domestic servants of the insured and, liability of the insured to third parties as an owner or occupier of the premises.

Travel Insurance

Travel insurance is a 24 hour worldwide cover designed for travellers on honey moon, business trips, education, medical grounds or leisure.

The policy covers for;

  • Worldwide medical and hospital expenses including medical evacuation
  • Accidental death and loss of limbs
  • Luggage compensation
  • Travel delay
  • Flight cancellation
  • Personal legal liability
Money Insurance

Do you run a company that deals in money transfer? Sidian Bank Money Insurance is a risk policy that covers for loss of money in direct transit or on premises including damage to safes or strong room caused by theft attempt.  Money which unless otherwise stated refers to cash, bank notes, cheques, money orders and postage stamps.

  • Money insurance cover is an accommodation class and must be taken with other insurances.
  • Scratch cards may be covered separately but on condition that they are put in a safe outside business hours.
Work Injury Benefits Act

Indemnity to the Employer against legal liability under the WIBA Act (2007) and awards for bodily injury, medical expenses and funeral cover arising by accident or disease caused to employees covered by WIBA only and occurring during the period of insurance and arising out of and in the course of that employment by the employer in the business, Subject to the terms, jurisdiction clause, exceptions, conditions, and warranties, of the Company’s WIBA Policy

WIBA policy covers both accidental and occupational risks.


Death: 96 months (8 Years) salary subject to maximum limits

Permanent Total Disability: 96 months (8 Years) salary

Temporal Total Disability: Maximum 52 weeks

Medical Expenses: Actual Expenses incurred but limited to Kshs.100, 000/- Per employee

Funeral Expenses: Kshs. 30,000/- per death

Factors to consider in rating:

  • Trade
  • Specific occupation of the employees
  • Client, Proposer (for purposes of gauging moral hazards)
  • Location – pressure of ambulance chasers.
  • Experience (claims)
  • No. of employees.
All Risks Cover

Sidian Bank All Risk Insurance is a policy that covers loss arising from all the risks specified unless those that are specifically excluded. This class of insurance is designed to cover delicate or valuable items or movable office equipment, generators etc. This policy is on accommodation only.


Protects property insured against all risks unless specifically excluded.

Personal Accident Cover

The policy will provide monetary payments in the event of bodily injury sustained by the insured. It covers injury caused by violent, accidental, external and visible means subject to the option selected by the insured.


Cover is available as follows:

a) Death

b) Permanent total disability

c) Hospital cash

d) Medical expenses

Employers Liability

This policy offers protection to employers for their legal liability, for damages and claimant’s costs and expenses of lawsuits filed by an employee.

Goods In Transit

If you run a transport business, this insurance cover covers the goods in transit by a prescribed motor vehicle, either owned or hired, against all risks including road risks unless specifically excluded from the point of loading to unloading of the goods and temporal housing in the course of transit within the prescribed territorial limits.

This insurance cover must be taken with a motor comprehensive cover.

The policy runs between the point of loading of the risk and unloading of the risk at the point of destination.

Marine Insurance

Do you transport goods frequently via air, sea, road or rail to the point of destination.

Marine insurance is divided into three categories;

  • Marine Cargo Insurance
    Marine cargo policy is a transit risk policy covering movement of cargo from a specified point to the point of discharge
  • Marine Hull Insurance
    Covers the vessel or craft from being stranded, sunk or capsized, over tuning or derailment, collision or contact of vessel or craft with any external object other than water, fire, lightning and explosions
  • Third Party Liabilities
    Covers the crew and passengers on board against any injuries or death while on board, this section also covers third party property against accidental damage but in most cases all the cargo being carried in a ship the owners have already arranged for alternative insurance for the property.

Perils Covered

  • Perils of the Sea- fire, explosion, storm, sinking, collision with other objects in the sea other than water, earthquake, volcanic eruption or lightning
  • War & SRCC Perils-war, riot, strike and civil commotion
  • Extraneous Perils- non-delivery, rain water damage, oil damage, overheating, denting, chipping, breaking.
Motor Insurance

Motor business shall be categorized into:

  1. Motor private
  2. Motor commercial: PSVs, Lorries, Tractors, Trailers, and Motor Cycle.



    Covers the insured against accidental loss or damage and/or death, bodily injury or loss or damage to property of third parties arising out of use of motor vehicles owned and/or operated by the insured.

    In addition to cover provided under third party only, this cover includes loss or damage arising from fire or theft only to the insured vehicle.
    In addition to the full third-party fire and theft, it covers accidental damage and malicious damage to the insured vehicle; however, comprehensive cover does not imply that every conceivable risk is covered. Every policy has some perils that are not covered as per the exclusion under the policy e.g. terrorism, special perils, nuclear energy risks exclusion, riot and strike.


The motor comprehensive insurance policy can be extended to cover the below benefits

  • Windscreen cover
  • Riots and strikes and civil commotion cover
  • Special perils cover (Volcanic eruptions, floods, hurricanes, typhoons, earthquakes,
  • sub-terrene fires)
  • Medical expenses
  • Repair authority. Limit above excess up to which a customer is allowed to undertake
  • Terrorism
  • Bail Bond-Incase insured is arrested, insurance Company pays for his bond at police station.
  •  Emergency charges for transport to hospital
  • Insured’s legal liability – Amount insured is liable to pay in case of a claim
  • Passenger liability – Liability arising out of injuries sustained or property lost by
  • Passengers while lawfully traveling in the insured’s car.
  •  Loss of use cover - If insured gets a claim, underwriter provides car hire charges.
  • Personal accident cover
  • Radio cassette and other additional accessories cover e.g. alloy, rims and other extras.
  • Towing charges.
Contractors All Risk

An all risk cover best suitable for contractors undertaking building and civil engineering works therefore covering risks surrounding the construction process of an actual property being built or developed in a contract site.

 Scope of Cover:

  • Contract works
  • Contractors plant and machinery
  • Third party liability
Fire and Perils

Fire insurance provides a standard cover against loss or damage to property, buildings or contents insured by fire, lightning and domestic explosions.

Burglary Cover

Covers damage arising from theft following upon an actual forcible and violent entry to or exit.

Attempt there to such building(s) for which the insured is responsible.


The policy covers loss resulting from forcible entry or exit into or out of the insured’s building/ premises. All points of entry therefore must be protected by adequate security devices.  Great care should be taken to ensure that the proposal form is accurately and fully complete.

Livestock Insurance

The insurance covers the insured for specified perils leading to death of the insured animal.

The insured will be indemnified in the below circumstances;

  • Accidents: lightening, internal and external injuries, electrocution or flooding.
  • Illness or disease.
  • Epidemic: widespread outbreak of an infectious disease affecting many animals at the same time in a region.
  • Emergency slaughter on advice of qualified veterinary surgeon following an accident, illness or disease.

It’s an all risk cover for livestock unless specifically excluded.

Claims Procedure

In case of an accident:

  • Don't leave the accident scene.
  • Notify us immediately, report to the police and obtain the police abstract
  • Note the details of any third party, including name, address, vehicle registration number, the name of their insurance company and their policy number.
  • Complete the claim form
  • Do not admit liability
Claims Procedure

When following up a claim, the following is advised:

Before you call

  • Call the police if your claim is the result of a criminal act or accidental loss. Make sure you obtain a police abstract.
  • Take immediate action to minimize the loss.

When you call

  • Your details will be checked to verify your identity.
  • The details of your claim will be taken - what happened, when, where and details of the loss or damage.
  • You will then be informed if you’re covered for the loss of damage and any excess that applies.

What you’ll need

  • Notify us immediately
  • Completed claim form
  • Police abstract

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