DTB Zawadi Savings Account
Bank savings account · Regulated by the CMA
A goal account in Kenya shillings. You save for at least 3 months and earn interest.
Hear when this changes
The details that matter for this kind of plan
- Minimum balance
- KES 1,000
- Interest credit frequency
- Half-yearly
- Interest rate published?
- Not published online; bank advises contacting branch for current rates.
How to open this
- Open with KES 1,000
- locked in for 3 months
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 |
| 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 normal bank charges when you transact.
What if you need the money early?
You can take money out. Standard ATM and counter charges apply as per the tariff.
Who this suits
You want to set a short goal and keep costs low.
You need a rate posted online or total fee-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 1,000.
- How long is your money tied up?3 months.
- 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”
“Interest calculated and credited half yearly”
“Minimum Balance - Nil”
“Minimum Period - 3 months”
“Opening Balance - KSH. 1,000”
“• 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”
“Qualifying interest / Interest – 15%”
Where we got this
- DTB Zawadi Account product page (savings)the company itselfRead on 2026-08-22
- 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 2026-08-31