About this Service

The GTBank GAPS service is a secure web-based service that facilitates the processing of vendor, supplier or salary payments in batches or single payments, using secured (https) connections over the Internet.

It gives you 24/7 online, real-time access to your account.

GAPS-Lite is a stripped down version of GAPS targeted at sole proprietorship accounts.


  • Role based system – each user is given a role with specific functions e.g. Uploader, Reviewer, Approver etc
  • Multi-user solution – supports multiple users for each role
  • Two-Phase Login – every user logs in with an access code in addition to a unique username and password
  • Two factor token authentication – approvers are issued hardware token devices which generates a dynamic password to authenticate log-in.
  • Multi-level transaction authorization – No single user can commence and conclude a transaction except otherwise stated on the account mandate
  • Full audit ability
  • Comprehensive reports – ability to generate payment reports, approval reports etc.
  • Customizable – the system can be customised to meet specific corporate requirements

Financial Functions

1. Account Transfers

  • Single & batch payments to M-Pesa, any GTBank account as well as other banks via EFT and RTGS.
  • Payroll Payments e.g salaries, bonuses, suppliers etc
  • Custom duties & Tax Payments.
  • International Payments –  Telegraphic transfers to any account worldwide.
  • Corporate Airtime Top-up and Utility payments – Ability to purchase airtime for single or multiple devices for corporate use as well as make corporate bill payments to electricity , water , internet , etc .
  • FX transfers between GTBank Accounts.

2. Accounts Monitoring

  • Balance enquiry.
  • Generate Account Statements.
  • Online real time account transactions monitoring.

3. Charges

  • Mpesa Payments - KES 70 per transaction plus 20% excise.
  • RTGS payments – KES 416.67 plus 20% excise.
  • EFT Payments – KES 100 plus 20% excise.
  • Airtime Purchase – KES 10 plus 20% excise.
  • Utility Payments - KES 50 plus 20% excise.


  • Elimination of cheque-books
  • Efficient and secure channel for making payments and collections
  • Ability to initiate and monitor payments from any location in the world
  • Ease of fulfilling your obligations in a timely fashion
  • Online real-time access to your account
  • Configuration flexibility to align with your payment process flow
  • Local Payments – Single & batch payments M-Pesa, to any GTBank account as well as other banks.
    • Payroll Payments e.g. salaries, bonuses.
    • Vendor Payments etc.
  • International Payments – Telegraphic transfers to any account worldwide.
  • Realtime accounts Monitoring.

How to Register

Fill the GAPS Registration Form and drop them at any of our branches.

Click here to download the GAPS User Guide