DTB Zawadi Savings Account
Bank savings account · Regulated by the CMA
What is this?
A goal account in Kenya shillings. You save for at least 3 months and earn interest.
The details that matter for this kind of plan
| Minimum balance | Nil |
|---|---|
| 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 |
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.
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 1,000.
- How long is your money tied up?3 months.
- 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”
“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 2026-08-22
- KRA Withholding Tax: Qualifying interest rate 15%the regulatorRead on 2026-08-22