Tujenge Account
Bank savings account · Regulated by the CMA
A savings account to build up money for a rainy day. You can put in cash any time and earn interest.
Hear when this changes
The details that matter for this kind of plan
- Minimum operating balance
- KES 400.
- Minimum interest earning balance
- KES 10,000.
- Withdrawals
- 4 free withdrawals per year; then KES 200 per extra withdrawal.
- How interest is quoted
- Interest is calculated annually on average monthly balances. The bank does not publish the rate on the page.
- Monthly fee
- Nil monthly ledger fee.
How to open this
- Open with KES 200
What does it cost you?
| Admin chargeMonthly maintenance/ledger fee | Nothing |
|---|---|
| Charge for taking money outOver-the-counter withdrawal beyond the 4 free withdrawals per year (per extra) | 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 ledger fee. Your money stays in the account and keeps earning if you keep the balance.
What if you need the money early?
You get 4 free withdrawals a year. After that the bank charges KES 200 per extra branch withdrawal.
Who this suits
You want a simple account with no monthly fee and a small minimum to open.
You plan to make many cash withdrawals. Only four withdrawals a year are free.
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 200.
- 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: familybank.co.ke
- 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.
“Chama Account ... 4. Minimum interest Earning balance, Kes 50,000 2000 2000”
“Diaspora Accounts Mkenya Daima savings account Interest payable quarterly on an average monthly balance of 20,000 Kes (or FCY equivalent)”
“Group/Chama Account Opening Balance 2,000 Minimum Operating Balance 2,000 Minimum Interest Earning Balance Kes.20,000 Ledger Fees Nil”
“Mdosi Junior Account Opening Balance 200 Minimum Operating Balance 1,000 Minimum Interest Earning Balance Kes. 5,000; USD 100 Withdrawal over-the-counter 3 free withdrawals; 200 per extra withdrawal Ledger Fees Nil”
“Tujenge Account 1. Interest earning balance is KES 20,000 2. 4 free withdrawals per year 3. Minimum interest earning balance, kes 10,000/ USD 150 Opening Balance 200 Operating Balance 400”
“Tujenge Account Opening Balance 200 Minimum Operating Balance 400 Minimum Interest Earning Balance Kes. 10,000; USD150 Withdrawal over-the-counter 4 free withdrawals; Kes. 200 per extra withdrawal Ledger Fees Nil”
“Interest (Bank) | 15% | 15%”
Where we got this
- Family Bank Tariff Guide (as at January 2026)the company itselfRead on 2026-09-04
- Key Facts Document — Personal & Business Accounts (Sept 2023)the company itselfRead on 2026-08-22
- Tujenge Account — Family Bankthe company itselfRead on 2026-08-22
- Read on 2026-08-22