@Impunity...I can recommend Faulu. I put a lot of eggs ;) about 5.5M in Faulu. I wanted to leave it for 2-3 yrs @ 13% p.a., but liquidated after a few months (2.5 months) to pursue a new opportunity. In those few months, I earned an interest of about 80-90K. They are fast, communicative and efficient, compared to old bones like Barclays etc. I would highly recommend the Ngong road branch. If your eggs are there, make sure to control their quarterly financials esp liquidity...and if you smell a rat, bail out. I personally think the bank is stable and will go a long way with its business concept. But this is just my opinion. ...As for Jubilee, If Uhuru steps up his game kidogo, then I don't see them crashing any time soon....At the moment, I don't see any serious alternatives to Uhuru. RAO's chapter has been closed.