Verified 13 September 2026

I&M OTG: internet banking and the app

By Arnold Ochieng · I&M Bank Kenya hub · paybillke is an independent guide and is not affiliated with I&M Bank Kenya.

OTG, which stands for On The Go, is I&M's digital banking. OTG Personal lives at digital.imbank.com/inm-retail/login and OTG Business at digital.imbank.com/inm-corporate/login. There is also an OTG mobile app.

Type the address, do not search for it

The single most effective habit against phishing, and it costs nothing. Bookmark digital.imbank.com yourself and reach your bank through the bookmark. Do not get there through a search result, and do not get there through a link in an email or an SMS, however plausible it looks. Fake banking login pages are cheap to build and rank surprisingly well.

What OTG does

Balances and statements, transfers between your own accounts and to others, Send Money to Mobile for M-PESA and Airtel Money, bill payments, beneficiary management and standing instructions.

The M-PESA route is worth knowing by heart: Money Transfer tab, Send Money to Mobile, select the account, enter the number, Continue, confirm, then the OTP. Full walkthrough for all three channels on the send-to-M-PESA page.

OTG Personal and OTG Business are different products

Separate logins, separate registration, different capabilities. Business adds the approval workflows, multiple users and limits that a company needs and a personal customer does not. If you run a business through a personal account to avoid the complexity, be aware you are also choosing the personal fee structure, which on outbound M-PESA transfers is cheaper. That is a real trade-off worth making deliberately rather than by accident, and the charges page has the numbers.

The OTP is the thing to protect

Every OTG transaction completes with a one-time password. That code exists to prove you are you, so passing it to anybody else defeats the only thing it does. I&M will never ask for it. Nobody legitimate will. If a caller claiming to be from the bank asks you to read one out, hang up and dial +254 20 322 1000 yourself. I&M runs a fraud awareness page for reporting.

Verify a payment before chasing it

I&M publishes a Verify M-Pesa Payment tool at digital.imbank.com/payment-validation/landing. If somebody says they have paid you and it has not appeared, check there first. It is faster than the call centre and it tells you whether the problem is the payment or the reference.

About this guide

Independent guide. paybillke is not I&M Bank and has no commercial relationship with it. Paybill, USSD and charge details were checked against I&M's own site and live tariff on 13 September 2026. Bank tariffs change, so confirm anything you are about to act on with I&M on +254 20 322 1000 or on the I&M tariff page.

Frequently asked

What is I&M OTG?

On The Go, I&M's internet and mobile banking, with separate OTG Personal and OTG Business platforms.

Where do I log in to I&M internet banking?

digital.imbank.com/inm-retail/login for personal, and digital.imbank.com/inm-corporate/login for business. Bookmark it rather than searching.

How do I send to M-PESA on OTG?

Money Transfer tab, Send Money to Mobile, select your account, enter the number, Continue, confirm, then enter the OTP.

Will I&M ever ask for my OTP?

No. Nobody legitimate will. Hang up and call +254 20 322 1000 yourself.

How do I check a payment reached my I&M account?

Use the Verify M-Pesa Payment tool at digital.imbank.com/payment-validation/landing.