Mobile Banking

Access core banking services anywhere, anytime through your phone. The service is available to all First Capital Bank customers with a valid ATM card.

To register, Customers need to have an First Capital Bank ATM card prior and fill the First Mobile form at the branch.  First Mobile is available on all networks.



  • 24hrs access to your accounts
  • Easy, fast, and convenient way for you to access your account.
  • Keep track of your accounts activities.
  • Free Registration
  • Balance Enquiry
  • Mini Statements
  • Direct airtime top-ups
  • Bill Payments
  • Money Transfers


Details and Pricing

Item Charge
Balance inquiry Free
Mini statement Free
Mobile airtime top-up Free
Bill payments Free
Transfer of money to one’s other  First Capital Bank accounts Free
Transfer of money to First Capital Bank accounts of others  – Free
Transfer of money to Other Banks (Outside First Capital Bank) TBA
Ziri M’manja 5% – Minimum of K500


Ziri M’manja

Product Description

The First Capital Bank Ziri M’manja is a fast and secure way of transferring funds from one’s First Capital Bank account to Non-First Capital Bank account holders.

Ziri M’manja can either be done on one’s mobile phone (if registered for First Mobile). Maximum amount that can be sent per transaction being MK500, 000.00 and a Minimum of K500.00. The sender receives a code and a PIN which is used to withdrawal funds on the ATM.


Target Market

Any First Capital Bank account holder with an ATM Card


Customer Benefits

  1. Quick, easy, and very secure
  2. Very affordable (5% of amount sent with a Minimum charge of K500)
  3. Convenient
  4. Recipient does not need to have an First Capital Bank account or ATM card
  5. Recipient can access funds at any First Capital Bank ATM


First Capital Bank Benefits

  •  Income from service charges
  • Excellent Customer Service


Cross-Sell Potential

  • First Capital Bank Bill payments
  • Fixed/Term Deposit
  • Deposits


Details and Pricing

5% of amount with a Minimum of K500.

Fill in your details below and a First Capital Bank representative will contact you with further details.