# I&M OTG Personal KE — I&M OTG

> Secure mobile banking for account management, payments, and mobile money services. (iPhone/iPad app by I & M Bank Limited.)

- Source: https://appshunter.io/ios/app/i-and-m-otg-personal-ke/id1548694246 (this page in markdown: same URL + `.md`)
- Developer: [I & M Bank Limited](https://appshunter.io/developer/1438000060)
- Category: Finance, Business
- Price: Free
- Rating: 4.30/5 from 27 App Store ratings · 21 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 171 MB
- Languages: American English
- Released: 2021-08-24
- Data updated: 2026-08-12
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/i-and-m-otg-personal-ke/id1548694246/reviews.md

## What is I&M OTG Personal KE?

Banking has never been easier. I&M App offers you a safe, secure and convenient mobile banking experience and allows you to enjoy unique banking services on your device anywhere and at any time.
The features that you will enjoy include;
- Accounts overview
- Check your bank balances of operative, deposit, loan accounts and savings accounts
- Local payments
- International payments
- Mobile money (Mpesa pay bill, till and airtime top-up)
- Stop cheque services request
- KRA Payment
- Pesalink to phone
- Manage Standing instructions
- Beneficiary management
- Profile management (View basic details, Add and remove profile picture)
- Account to Card Payments
- Deposit Account Creation
- M-PESA to Bank Payment

## Key features

- Accounts overview
- Check bank balances
- Local and international payments
- Mobile money (Mpesa)
- Stop cheque requests
- KRA Payment
- Deposit account creation

## Recent user reviews (10 of 21)

All indexed reviews: https://appshunter.io/ios/app/i-and-m-otg-personal-ke/id1548694246/reviews.md

### 1/5 — John

*2025-06-23, version 4.55.570*

Worst app in the history of apps

### 1/5 — Biometric authentication

*2025-06-19, version 4.55.570*

This app used to be one of the best banking apps for me. However, over the past few months, the inconvenience caused by the lack of biometric authentication has been quite disappointing. Having to enter my password - and then an additional layer of password provision - every time has made using the app unnecessarily cumbersome.

As a result, I now find myself avoiding the app altogether whenever possible. It would be greatly appreciated if the biometric authentication feature could be reinstated or improved soon.

### 4/5 — Best in kenya

*2025-06-15*

Best banking app in kenya but, its 2025 and no dark mode ??!!!!!

### 1/5 — Worse than ever

*2025-05-31, version 4.55.564*

Cannot change account types. Suddenly cannot make any transactions from our accounts. Only one visible is the loyalty account. Go back to previous version!

### 5/5 — Works well

*2025-04-09, version 3.53.558*

I saw these remarks but there must be some other issue. I find it works very well. Thanks I&M

### 5/5 — Really good app

*2025-01-24, version 3.52.552*

Works very well. And super user friendly

### 5/5 — Buggy

*2024-01-06*

Card activation & pin reset, and touch ID setup not functional otherwise still a wonderful app

### 1/5 — App doesn’t open at all

*2023-08-15, version 2.36.450*

After providing my password and one time password the app loads momentarily and closes.
It’s been like this for weeks. I wonder whether the devs tested the app on real devices. Poor quality. Please fix. Same for my mothers phone

### 1/5 — Doesn’t work

*2023-08-15, version 2.36.450*

I can’t even access my own account. I can’t do zero stars unfortunately

### 1/5 — Unreliable

*2023-07-31, version 2.36.450*

Ones you log in, page disappears again and again. Reported the case nothing done! I have uploaded this app more than 20 times. Please rectify it is frustrating.

## Frequently asked questions about I&M OTG Personal KE

### What can I do with the I&M OTG Personal KE app?

The app allows you to manage your bank accounts, check balances for various account types, make local and international payments, and utilize mobile money services like M-Pesa. You can also request stop cheque services, make KRA payments, and manage standing instructions.

### Is the I&M OTG Personal KE app free to use?

Based on the provided information, the app is available for free. There are no mentions of subscription fees or upfront costs for downloading or using its core banking features.

### What are the key features of this mobile banking app?

Key features include an accounts overview, the ability to check balances for operative, deposit, loan, and savings accounts, local and international payments, mobile money services (Mpesa pay bill, till, and airtime top-up), stop cheque services requests, KRA payments, and PesaLink to phone transfers.

### Who is the target audience for the I&M OTG Personal KE app?

This app is designed for individuals who want a safe, secure, and convenient way to perform banking transactions from their mobile device. It's ideal for those who need to manage their accounts, make payments, and access mobile money services anytime, anywhere.

### Can I create new accounts through the app?

Yes, the app supports deposit account creation directly through the application. This allows users to open new accounts conveniently without needing to visit a physical branch.

## Version history (last 5 releases)

### 4.62.733 — 2026-08-09

What's New
• FX Calculator – Quickly estimate exchange rates before making your foreign currency transactions. 
• I&M Capital Wealth – Invest in the GBP Fund directly through the OTG app. 
• Fikisha Goalz – Close your savings goals conveniently within the OTG app.

### 4.61.729 — 2026-07-21

What's New
• FX Calculator – Quickly estimate exchange rates before making your foreign currency transactions. 
• I&M Capital Wealth – Invest in the GBP Fund directly through the OTG app. 
• Fikisha Goalz – Close your savings goals conveniently within the OTG app

### 4.61.728 — 2026-07-21

What's New
• FX Calculator – Quickly estimate exchange rates before making your foreign currency transactions. 
• I&M Capital Wealth – Invest in the GBP Fund directly through the OTG app. 
• Fikisha Goalz – Close your savings goals conveniently within the OTG app

### 4.60.727 — 2026-07-13

What's New
• FX Calculator – Quickly estimate exchange rates before making your foreign currency transactions. 
• I&M Capital Wealth – Invest in the GBP Fund directly through the OTG app. 
• Fikisha Goalz – Close your savings goals conveniently within the OTG app.
 
Improvements 
• General bug fixes, stability improvements, and performance enhancements for a smoother, more reliable experience.

### 4.59.717 — 2026-05-11

What's New
* I&M Capital Wealth – seamlessly open your wealth account within the OTG app. 
* Improved Local Transfer experience – easily choose between I&M Bank and other banks. 
* Enhanced Utilities and Lipa na I&M experience for smoother navigation and payments. 

Improvements
* General bug fixes and performance enhancements.

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## More apps by I & M Bank Limited

- [I&M Bank KE Retail](https://appshunter.io/ios/app/i-and-m-bank-ke-retail/id1438000451)
- [I&M TZ Retail](https://appshunter.io/ios/app/i-and-m-tz-retail/id1439310008)
- [InMTZCorp](https://appshunter.io/ios/app/inmtzcorp/id1439313035)
- [I&M Bank RW Corp](https://appshunter.io/ios/app/i-and-m-bank-rw-corp/id1439313791)
- [I&M Bank Business Connect](https://appshunter.io/ios/app/i-and-m-bank-business-connect/id1531732007)

All apps by I & M Bank Limited: https://appshunter.io/developer/1438000060

## Related topics

[imbank](https://appshunter.io/ios/topics/imbank) · [alphaz](https://appshunter.io/ios/topics/alphaz)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*