DTB Savings Account
Bank savings account · Regulated by the CMA
What is this?
A savings account in Kenya shillings. You earn interest if your balance is over KSh 1,000.
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. |
What does it cost you?
| Admin charge | Nothing |
|---|---|
| Admin charge | KES 30 |
| Admin charge | KES 70 |
| Admin charge | KES 200 |
| Admin charge | KES 300 |
| Admin charge | KES 200 |
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.
How openly does this company explain its charges?
- What do they charge you every year?No yearly charge is printed in the sources we checked.
- What is taken off the money you pay in?They do not say how much of each payment is taken before it is invested.
- What does it cost to get out early?No exit penalty is printed in the sources we checked.
- What is the smallest amount you can start with?KES 0.
- How long is your money tied up?They do not say how long you are tied in.
- Is the advertised return before or after their charges?This product does not advertise a return.
- Do they warn you the return is not guaranteed?This kind of product does not advertise a return.
- Do they tell you what you get back if you stop early?You get whatever your money is worth on the day. There is no schedule.
- Do they list what is not covered?This is not insurance, so there is nothing to exclude.
- 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.
This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.
Talk to them
- If something goes wrong, the CMA is who supervises them.
Compared with the others
There are 23 other plans of this kind on the board. See all 24 side by side — what each one leaves you with, and which of them will not say.
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 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.”
“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 2026-08-22
- DTB Tariff Guide (As at August 2026)the company itselfRead on 2026-08-22
- KRA Withholding Tax: Qualifying interest rate 15%the regulatorRead on 2026-08-22
- DTB Products Staff Guide Book v19 compthe company itselfRead on 2026-08-22