Personal Banking
Open an account in minutes.
Send money, make payments, top up and schedule transfers - from the comfort of your phone.
Send money, make payments, top up and schedule transfers - from the comfort of your phone.
Your Money.
Managed Better.
Open an account in 3 minutes. Send money home, save with purpose and grow your business all from one app. Kolomoni is here, wherever you are
Send MoneyInstant transfers, anytime
SavingsSave with purpose
- Central Bank of The GambiaLicensed
- Nationwide Coverage5 Branches
- Google Play & App StoreTop Rated
- Bank-grade Encryption256-bit
Everything you need.
Nothing you don’t
From everyday savings to daily transfers, Kolomoni has a product for every stage of your financial life
Corporate
Payroll, payments, working capital and dedicated business support.
Business Banking
Earn commission helping your community access financial services.
Loans
Personal and business loans with transparent terms and fast approval.
Savings
Three ways to save: Kodo Sonoya, Kolo Target, and Fixed Deposit. From GMD 50.
One app. Every financial tool you need.
Pay with QR, send money, save with purpose, buy credit, pay bills, and schedule payments — all in the Kolomoni app.
Download the appYour Money
Deserves Better.
Here's what sets us apart.
Made for life in The Gambia.
Whether you're a local, a diaspora family, or a business our products are built around how money actually moves here.
Bank-grade security.
Your money and data are protected with 256-bit encryption — the same standard used by major international institutions.
Always available.
Our app and 24/7 support keep you connected to your money from anywhere in the world.
Real branches, real people.
Digital-first doesn't mean digital-only. Visit any of our 5 branches when you need face-to-face support.
Save The Way
That Works For You.
Here's what sets us apart.
Kodo Sonoya
up to 5%Per annum
Save easily and access your money whenever you need it. Start with as little as GMD 50, deposit and withdraw freely, and earn 5% interest per annum.
Kolo Target
up to 10%Per annum
Set a savings goal and reach it faster. Save a specific amount over a set period, earn up to 10% interest per annum, and stay on track with a personalised schedule.
Fixed Deposit
Earn InterestUpfront
Lock your funds for a set term and earn interest upfront or at maturity. Minimum 90-day duration. Best for those who want their money working harder while they focus on other things.
Real People. Real
Results.
Our customers are our best story.
“I started using Kolomoni almost a year ago, and I am very satisfied with the services. The app, email notifications, and SMS updates make banking very convenient. The staff are active and responsive, they are also very punctual and professional with requests. Kolomoni has truly helped my business grow, and I am very grateful for their support.”
“I have been using Kolomoni for over a year now, and the service has been excellent. I took a loan through Kolomoni, and the repayment process was flexible and manageable.
My business has grown significantly since I started using their services and I receive prompt support when needed. I am very happy with the company and the quality of service they provide.”
“My experience has been excellent from the very beginning. The staff are friendly, welcoming, and always ready to assist whenever I need support.
I am very happy with the services Kolomoni provides. The banking experience is simple, convenient, and reliable. Over time, I have built a lot of trust in the institution, and today all of my savings and transactions go through my Kolomoni account.
For me, Kolomoni is more than just a financial institution, it feels like a family. I truly enjoy banking with them and would highly recommend their services to anyone looking for a trustworthy and customer focused banking partner.”
Your bank. In your pocket.
Manage your account, send money, repay loans, track your savings, schedule payments — all from the Kolomoni app. Available on iOS and Android.