DTB Savings Account
Bank savings account · Regulated by the CMA
A savings account in Kenya shillings. You earn interest if your balance is over KSh 1,000.
Hear when this changes
The details that matter for this kind of plan
- Minimum balance
- Nil
- Min balance to earn interest
- KSh 1,000
- Interest credit frequency
- Half-yearly
- 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 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 |
| Admin chargeover-the-counter cash withdrawal below KSh 35,000 | KES 300 |
| Admin chargeover-the-counter cash withdrawal KSh 35,000 to <1,000,000 | 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 |
| Admin chargeper new-card application | KES 500 |
| Admin chargeper card replacement | KES 600 |
What if you stop paying?
There is no monthly fee. Charges only apply when you transact.
What if you need the money early?
You can take money out any time. DTB ATMs cost KSh 30, Kenswitch KSh 70, and other banks KSh 200. Cash at the counter costs KSh 300 below KSh 35,000, or KSh 200 from KSh 35,000 to under KSh 1,000,000.
Who this suits
You want no minimum and no monthly fee. You are okay that DTB does not post a set interest rate online.
You need a published rate today. You want free ATM 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
- 20 October 2026
- Admin charge KES 200 → KES 0
- Admin charge KES 0 → KES 30
- Admin charge KES 30 → KES 70
- Admin charge KES 70 → KES 200
- Admin charge KES 200 → KES 300
- Admin charge KES 300 → KES 200
- Admin charge KES 200 → KES 500
- Admin charge KES 500 → KES 600
- 30 August 2026
- Admin charge KES 200 → KES 0
- Admin charge KES 0 → KES 30
- Admin charge KES 30 → KES 70
- Admin charge KES 70 → KES 200
- Admin charge KES 200 → KES 300
- Admin charge KES 300 → KES 200
- 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”
“Competitive interest rate on balances over Kshs 1,000”
“DTB currently publishes a card-replacement fee of KES 600, subject to applicable tax and the latest tariff.”
“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”
“Interest is calculated and credited half yearly. Kindly contact your branch for current rates.”
“Minimum balance - 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”
“The account enjoys a zero maintenance fee and a Mastercard debit card.”
“The current new-card application fee is KES 500, subject to applicable tax and the latest tariff.”
“Tiered interst rate for USD account (Kindly contact your branch for current rates)”
“Qualifying interest / Interest – 15%”
Where we got this
- DTB Savings Account product pagethe company itselfRead on 2026-08-30
- 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