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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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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.

Corporate Trade Finance

Trade Finance

Trade Finance

Our range of Trade Finance solutions give you the  backing to execute the obligation of your contracts  without the hassle. We are committed to protecting  your business against the risks associated with  trade for our SME and Corporate clients.

Our Trade Finance Solutions enables you to;

  • Secure payments for the good and services sold.
  • Procure goods and services.
  • Improve their cash flow so that they can better negotiate extended credit terms prior to payment of goods/services.
  • Maintain control over their goods until payment is received.
  • Facilitate payments to be made easily and effectively.
  • Support performance of contracts both locally and globally.
  • Provide reassurance that the financial and commercial documentation are controlled in the banking system.

A written and signed/authenticated undertaking wherein the bank (guarantor) agrees to make certain stipulated payments on behalf of a customer/applicant to the beneficiary, should the customer/applicant fail to carry out specified terms under the contract or if a certain even materializes or fails to materialize.

Types of Guarantees Offered

  1. Bid Bonds

    A guarantee by the bank that the bidder will execute the contract under the terms at which they bid in the event they win the tender.

  2. Performance Bonds

    A banking facility that guarantees the borrower will abide and perform as per the terms of a specific contract.

  3. Advance Payment Guarantee

    A facility where a borrower asks for a sum of money to be paid in advance before commencement of works/service and in turn the employer requests for a guarantee before releasing the advance payment.

    The employer is therefore guaranteed that the advanced funds will be repaid if default on works/service occurs.

  4. Retention Bonds

    For some contracts/works, a specified percentage of the contract amount is held for a specific period to ensure performance as per the terms and conditions of the contract is met.

    The bank therefore can issue retention bonds for the same period to the employer to unlock the retained funds.

  5. Bank/Payment Guarantee

    An assurance that a buyer will fulfill their obligations for the goods/services supplied/provided as per their contract terms and conditions.

    It is an irrevocable undertaking given by the bank for transactions such as property/ motor vehicle sale, distributorship guarantees to manufacturers/suppliers, guarantees to utility companies, etc.

  6. Customs Bonds

    Custom bonds or guarantees are used to guarantee that a specified obligation will be fulfilled between customs (Kenya Revenue Authority, KRA) and an importer for any given import transaction.

    Guarantee payment of import duties and tax.

Letters of Credit

An undertaking issued by the bank at the request of the customer (importer/applicant/buyer) where the bank promises to pay the beneficiary (exporter/seller/supplier) for goods/services, provided that the beneficiary presents all required documents and that the documents meet all the terms and conditions set out therein.

Types of Letters of Credit

  1. Confirmed/Unconfirmed Letter of Credit
  2. Transferable Letter of Credit
  3. Back to Back Letter of Credit
  4. Revolving Letter of Credit
  5. Standby Letters of Credit
Documentary Collection

This is a form of payment whereby the exporter entrusts the handling of the commercial and transport documents and more often financial documents to Sidian Bank. Sidian Bank will be given instructions concerning the release of these documents to the importer/buyer. Terms of payment/delivery of the documents could be either documents against cash or documents against acceptance.

Types of Documentary Collections

  1. Import Documentary Collection
  2. Export Documentary Collection
  3. Clean Collections


Sidian Bank is requested by the importer to issue their undertaking over accepted bills of exchange, however the Bank is not obligated to do so. The drawee (importer) will request the bank in writing to avalize the bill of exchange drawn by the seller. If the bank chooses to avalize the bill of exchange it will present a counter bill of exchange issued by The Bank to the drawee for acceptance.

Trade Loans

We offer flexible short-term borrowings to customers regardless of the method used to trade; whether open account, advance payment, documentary collections or documentary credits linked to specific import, export or domestic transactions.

Trade Loans Offered

  1. LPO/Contract Financing

    Have you obtained purchase orders/letters to deliver goods and services or carry out contractual works? This is the product for you.

    We provide funds to the borrower against confirmed  orders/contracts to enable them perform contracts or meet the delivery of a specific order from the issuer.
  2. Invoice Discounting

    Short-term financing that allows the borrower obtain funds in advance from the bank against accepted bills of exchange or commercial invoices. The advance is based on the face value of the accepted bill of exchange or the commercial invoice drawn by the seller where the

    payment will be deferred.

  3. Pre-Shipment Finance

    Short-term financing to facilitate performance under a sales contract and will often be predicated on the credit strength of the end buyer/off-taker.

  4. Post Import Finance

    Short-term financing to enable the borrower meet their maturing/payment obligations under import letters of credit, import documentary collections or open account.

  5. Warehouse/Commodity Finance

    A facility available to customers who are traders or manufacturers on the basis of goods or commodities held in trust as collateral for the loan.

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