Abstract: The demand for retail banking services is concerned with the demand for the financial services offered in retail/ commercial banks. The general objective of this particular study was to examine the factors affecting customer demand for financial services offered by commercial banks in Nairobi County. The researcher used both primary and secondary data sources. The target group for this study was bank customers from a select 13 of the 43 commercial banks operating in Nairobi County as registered by the Central Bank of Kenya that is; Barclays Bank, CFC Stanbic, Chase Bank, Commercial Bank of Africa, Co-operative Bank of Kenya, Diamond Trust Bank, Equity Bank, Gulf Africa bank, I&M Bank, Kenya Commercial Bank, NIC Bank, Standard Chartered Bank and the United Bank of Africa. From these 13 Banks, a sample population of 115 respondents was drawn for investigation. This sample was selected using stratified random sampling technique. Both open and closed ended questionnaires were used and the data was analyzed by SPSS version 17. The study results revealed that; many respondents reported earnings above Ksh20,000, there was under saving, many investors had accounts that were opened with nil requirements for bank balances, Interest rates on the other hand were cheaper for short term credit services, 51% of respondents operated savings accounts, 32 % operated checking accounts and 14% salary accounts.