Accounts

Built around how Kenya pays

M-Pesa, built in

Receive to your paybill or till, send to any M-Pesa number, and see it in the same app as your bank balance.

Instant transfers

Bank to M-Pesa, M-Pesa to bank, bank to bank. No next-day settlement on the rails that matter.

Business banking

Paybill and till collection, bulk payouts to staff and suppliers, statements your accountant can use.

LipaLater

Payment plans on qualifying purchases, repaid from your M-Pesa wallet. Eligibility assessed at checkout.

Published fees

Every fee shown before you transact. No markup on Safaricom's M-Pesa tariffs.

One licensed entity

DirvenBank holds the customer relationship. Operations subject to CBK licensing.

The only bank

Kenya is the first. Not the last.

DirvenBank is opening in Kenya first. Every other country on our roadmap is served by Dirven Software — the compliance and settlement engine licensed to institutions, not a bank branch.

That distinction matters: we do not claim to be a licensed bank in Spain, the Netherlands, the USA or anywhere else. In those markets we supply software to institutions that already hold the licence.

One bank, one software company. Kenya is the bank. Everything else is the software company. See the software markets →

Open an account

Accounts opening ahead of launch. Join the list.