DTB Just for Me Account
Bank savings account · Regulated by the CMA
A children’s savings account in Kenya shillings. Interest is paid twice a year.
Hear when this changes
The details that matter for this kind of plan
- Minimum balance
- Nil
- Interest credit frequency
- Half-yearly
- Free withdrawals
- Up to 4 per year
- Interest rate published?
- Not published on the website; bank says contact branch.
How to open this
- Open with KES 0
What does it cost you?
| Admin chargeper month (maintenance fee) | Nothing |
|---|---|
| Admin chargeledger fee per transaction | Nothing |
| Admin chargeper ATM withdrawal at DTB ATM | KES 30 |
| Admin chargeper ATM withdrawal at Kenswitch/Pesa Point | KES 70 |
| Admin chargeper ATM withdrawal at non-DTB ATM | KES 200 |
| Taken off each payment you makeyour deposits. Nothing is taken off the money you pay in — this account's charges are monthly and per transaction, and are listed above | Nothing |
What if you stop paying?
There is no monthly fee. You only pay when you use chargeable services.
What if you need the money early?
You can withdraw any time. You get up to four free withdrawals each year. ATM and counter fees follow the bank’s tariff.
Who this suits
You want a kids’ account with no monthly fee and a few free withdrawals.
You need a set rate shown online or unlimited free withdrawals.
What they tell you
- What is taken off the money you pay in?Nothing. They state there is no charge here.
- What is the smallest amount you can start with?KES 0.
- Are all their charges published?Yes, every charge they mention has a figure against it.
- Do they say who regulates them?Yes — the CMA. That is who you complain to.
Talk to them
- Website: dtbk.dtbafrica.com
- If something goes wrong, the CMA is who supervises them.
Compared with the others
There are 25 other plans of this kind on the board. See all 26 side by side — what each one leaves you with, and which of them will not say.
What has changed here
- 28 August 2026
- Taken off each payment you make is now 0%, and was not published before
We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“• Cash withdrawal – DTB ATM per withdrawal Kshs. 30 • Cash withdrawal – Pesa Point/Kenswitch ATM per withdrawal Kshs. 70 • Cash withdrawal non-DTBK ATM per withdrawal Kshs. 200”
“DTB Explorer Savings Account ... Opening Amount 5,000; Minimum Balance 5,000; Minimum Period 6 months; Maximum Period Unlimited”
“Interest is calculated and credited half yearly. Kindly contact your branch for current rates.”
“Interest is credited half-yearly.”
“Just4Me account holders also enjoy up to four free withdrawals and four free banker's cheques per year for school fees.”
“Ledger fee - nil”
“Minimum balance - nil”
“Monthly maintenance fee - nil”
“Opening amount - nil”
“• Over the Counter Withdrawal below Ksh.35,000 Kshs. 300 • Over the Counter Withdrawal above Ksh.35,000 but less than Ksh.1 million Kshs. 200”
“Tiered interst rate for USD account (Kindly contact your branch for current rates)”
“Qualifying interest / Interest – 15%”
Where we got this
- DTB Just for Me Account product pagethe company itselfRead on 2026-08-29
- DTB Tariff Guide (As at August 2026)the company itselfRead on 2026-08-30
- KRA Withholding Tax: Qualifying interest rate 15%the regulatorRead on 2026-08-22
- DTB Products Staff Guide Book v19 compthe company itselfRead on 2026-08-30