Summary minimum rate of charges, commission, and interest effective January 2024.

These charges are subject to

change and details will be available at our branches and on the KCB website. BRANCH GENERAL SERVICES
1. Statements and Balances
PERSONAL BANKING SME BANKING ACCOUNTS DIASPORA DEBIT CARDS
-Below 2 years KES 320 Visa Debit Card
CURRENT ACCOUNTS CURRENT ACCOUNT Current Account
- Between KES 750 Payment at Point of Sale Free
Duplicate copies 1) Ledger Fees Business Current Account - Minimum opening balance KShs. 2,000 or US$ 500
2-5 years New Debit Card KShs. 430
on request - Per entry KES 35 Minimum Operating Balance Ledger fees per entry KShs. 35
- Over 5 years KES 2,000 Debit Card Issue and Replacement
- Minimum per month KES 350 Ledger fee: Minimum per month KShs. 350
Interim statements KES 105 Includes lost, stolen, damaged and compromised KShs. 430
- Maintenance per month KES 300 Maintenance per month KShs. 300
2. Banker's Cheque (Local) - per entry KES 35 PREPAID CARD
2) Cheque Books per leaf KES 8.00 Savings Account
Customer KES 200 - minimum per month Joining fee KShs. 500
3) Cheques Returned Unpaid Refer to drawer KES 3,000 KES 350 Minimum operating balance KShs. 1,000
Non-customer KES 200 Balances of KES 50,000 and above Nil Statement request fee Nil
Not arranged for KES 3,000 Maintenance fee Nil
Banker's Cheque (Foreign Currency) Business Privilege Account Card replacement KShs. 500
Effects not cleared KES 3,000 Transactional Account
Customer US$ 10 ATM charges KShs. 30
Technical reasons KES 850 Monthly fee bundled pricing KES 900 - Minimum opening balance KShs. 2.000/ US$ 500
Non-customer US$ 15 Stop payment KES 480 Cheque Book KES 17.50 per leaf - Minimum Operating Balance Nil KCB MORTGAGES - PRICING & TENURE
Standing Order (Local) Handling fee for inward unpaid cheque KES 585 Opening and operating balance Nil - Service Charge Nil
Setting up KES 265 Certificate of balance KES 1,065 Over the counter Withdrawals Free - Maintenance Fee for Balance below USD 1,000 US$ 5 *Base rate +/- Risk margin applicable to KShs Mortgages only
4) Closing Account Cash handling Nil Pricing (Variable Max Period
Processing (per item) to KCB branches KES 160 ATM SERVICES
Normal charges Nil Bulk coin deposit charge Nil Residential (Singe dwelling unit) USD Base Rate) (Month)
To other banks plus remittance commission KES 320 Ledger Fees to date or minimum KES 350 Interim statement Free ATM
0.3% of value or minimum Counter Debits/Cheques Charges per item KES 400 Maintenance fee Nil ATM Cash Withdrawal at: Purchase (Complete houses) 12% p.a. 300
Unpaid (per item) KES 2,500 TRANSACTIONAL ACCOUNTS 3. Entrepreneurs Account KCB ATMs KShs. 30
Student Plus Account (Opening Balance) KES 100 Minimum Operating Balance Nil Kenswitch ATMs KShs. 70 Purchase (Plot maximum 2 acres) 12% p.a. 120
Amendment KES 320 Nil
Minimum Operating Balance Cheque Book per leaf KES 14.50 Visa/MasterCard/UPI ATMs KShs. 250
Mortgage Plus (Top Up Loans) 12% p.a. 300
Stopped (per item) KES 430 Service Charges Ledger Fees Nil ATM Deposit at KCB ATMs (Recyclers & CDM)
Jiinue Account KES 200 Monthly statement Free Cash deposit Free Equity release
Salary Processing Fee KES 200 12% p.a. 300
Minimum Opening Balance KES 100 Maintenance Fee Nil Cheque deposit Free
Foreign Currency (FCY) KES 50
Minimum Operating Balance 4. Baraka Account Account Enquiries at KCB ATMs Construction 12% p.a. 300
a) Purchase Balance enquiry
Service Charges Minimum Opening Balance Kshs.1000 Free
Below US$40,000 or equivalent in other FCY Nil Mini-statement request
Mapato Account Minimum Operating Balance Kshs.1000 Free Combined plot purchase
Above US$40,000 1% to max of US$ 430 Minimum Operating Balance KES 500 12% p.a. 300
Maintenance Fee Nil Withdrawal fee using foreign card USD $4 and construction
b) Sale Service Charges: Over-the-counter Withdrawal Kshs.200 CREDIT CARDS
Below US$40,000 or equivalent in other FCY Nil - Below KES 3,000 KES 300 Diaspora Home Loans -
Bulk coins Deposits Nil Visa Gold Card
Above US$40,000 1% max US$ 430 - Above KES 3,000-KES 50,000 KES 200 Residential purchase only 12% p.a. 180
Cheque Book per leaf KES 8.0 Joining fees KShs. 4,000 (Waived)
6. Safe Custody (half yearly rate) - Above KES 50,000 Nil
SME BANKING-INVESTMENTS Annual fees KShs. 4000
Bankika Account Special Scheme Loans - Cash
- Minimum KES 1,280 ACCOUNT Supplementary annual fee KShs. 1000 N/A 300
Minimum opening balance KES 100 Backed, Check-Off or Hybrid
- Maximum Per locker KES 2,000 Business Investment Account Monthly interest 3.50%
Minimum operating balance Nil
- Small KES 2,400 Minimum Opening Balance KES 1,000 Replacement fees 1000
Services charges Nil Commercial (others/more than one unit)
Depending - Medium KES 2,500 Minimum Operating Balance KES 1,000 Late payment interest 5% of due amount
on size of the General Charges
- Large KES 4,000 Reactivation Fees KES 200 Cash advance interest 6% of amount withdrawn Purchase (Complete properties) 12% p.a. 240
item lodged Closing Account
- Extra-large KES 8,000 Nil AGRI-BUSINESS ACCOUNT Over limit interest KShs. 1000
(For All Transactional Accounts)
- Night Safe wallets KES 1,000 Farmer’s Current Account Minimum repayment 10% Purchase (Plots) 12% p.a. 120
SAVINGS ACCOUNT
- Access charges (per visit) KES 212 Minimum Operating Balance Nil Platinum Visa Card
Simba Savings Account Mortgage Plus (Top Up Loans) 12% p.a.
- Replace locker lost keys Maintenance Fee Nil Joining fees KShs. 4,000 (Waived) 240
KES 212 Minimum Opening Balance KES 1,000
Cash Handling (Commission) Cheque Book KES 8 Annual fees KShs. 4260 12% p.a.
Maintenance Fee Nil Equity Release 240
Closing Account Service Charge Nil Supplementary annual fee KShs. 2000
a) Local Currency (LCY) Deposits Nil
Cub Account Farmer’s Transactional Account Monthly interest 3.50% Construction 12% p.a. 240
Customers
Minimum Operating Balance Nil Replacement fees KShs. 1000
- Cash Deposits of upto KES 500,000 Nil Minimum Operating Balance KES 1,000
Nil Maintenance Fee Nil Late payment interest 5% of due amount Combined plot purchase and
- Cash Deposits exceeding KES 500,000 0.2% of Amount above Service Charges 12% p.a.
Service Charge Cash advance interest 6% of amount withdrawn construction 240
KES 500,000 Goal Account Nil
Mininmum Balance KES 1,000 3. MobiGrow Account Over limit interest KShs. 1000
Non-customers Diaspora Commercial
Maintenance Fee Nil Minimum Balance KES 10 Minimum repayment 10%
- Cash Deposits of any amount 0.4% or minimum KES 200 Loans - Commercial purchase only 12% p.a. 120
FOREIGN CURRENCY ACCOUNT Minimum Operating Balance Nil Classic Visa Card
- Depositing coins per bag for more than 100 Foreign Currency Current Account Joining fees KShs. 3000 (Waived)
Minimum Opening Balance Nil
Coins (except Cub and Priviledge accounts) KES 0.5 Salaried Up to 300 months
Opening Balance US$ 25 Maintenance Fee Nil Annual fees KShs. 3000
- Depositing coins per bag for more than 100 Account maintenance fee with: Supplementary annual fee KShs. 1000 Self-employed (Rentals) Based on source of repayment Up to 240 months
SCHOOL ACCOUNTS
Coins for Cub account FREE - Balance below US$1,000 US$ 5 School Fees Collection Account Monthly interest 3.50% Self-employed (Business) Up to 120 months
Cash Withdrawal (LCY) - Customer over-the-counter - Balance above US$ 1,000 Free Replacement fees
Minimum Operating Balance Nil KShs. 1000
For amounts upto KShs. 999,999 KES 200 Cheque returned unpaid Mortgages Fees and Commissions
Minimum Opening Balance Nil Late payment interest 5% of due amount
For daily cumulative amounts of KES 5,000 - Refer to Drawer’ by KCB US$ 30 Cash advance interest
Ledger and Maintenance Fees Nil 6% of amount withdrawn
- Refer to Drawer’ by other Item Description Tariff (KES)
KShs. 1,000,000=00 and above US$ 10 Statements and Cheque Book Over limit interest KShs. 1000
Free
Non-customer deposit 1% of deposit amount or - Technical Reasons US$ 10 Negotiation fees
Cash Deposit Charge Free Minimum repayment 10% Market Facilities
minimum of KES 200 - Stop payment’ included in the RBP
US$ 5 Over-the-counter Withdrawal over 1M MasterCard Gold
0.2% of amount
b) Foreign Currency (FCY) Deposits: Cheques sent on collection - Min. US$ 10 Joining fees KShs. 4000 Up to 2%
National Education Sector Programme Accounts (NESSP) Negotiation Fees Affordable Housing Scheme Mortgage
Upto US$ 10,000 or equivalent in other FCY Nil Commission 0.5% or Max. US$ 60 Annual fees KShs. 1000 of loan amount
NESSP Current Account
Closing Account (plus ledger fees to date) Nil 3.50%
US$ 10,001-US$ 200,001 or equivalent - Minimum Opening Balance Nil Monthly interest Up to 2.5%
Foreign Currency Saving Account FCY Mortgage facilities
in other FCY 0.25% of deposit - Monthly and Ledger Fees Nil Late payment fee 5% of due amount of loan amount
Opening Balance US$ 50 Supplementary annual fee KShs. 1000
US$ 200,001 or equivalent in other FCY 0.35% of deposit; max. - Minimum Operating Balance KES 1,000 Nairobi & Environs KES. 10, 000
Maintenance fee for balance below US$ 1,000 Nil Replacement fees
US$1,500 - Cheque Book per leaf KES 8.00 KShs. 1000 Site inspection
Bankers Cheque in Foreign Currency Overlimit fee
FCY notes in small denominations, soiled bills 0.25% - Banker’s Cheque Free KShs. 1000 Outside Nairobi KES.20, 000
- Customers US$ 10 Minimum repayment 10%
(c) Foreign Currency (FCY) Withdrawals: NESSP Savings Account
- Non-customers US$ 15 Cash advance interest Computed based on
- Minimum Opening Balance Nil 6% of amount withdrawn Mortgage Protection Insurance
Up to US$ 40,000 or equivalent in other FCY 0.25% of transaction Insurance age and number of
MICRO BANKING Visa Infinite Credit Card (MPI) with FCL of KES.40M
US$40,001-200,000 0.35% of transaction - Monthly and Ledger Fees Nil insured persons
TRANSACTIONAL ACCOUNTS Joining fee Waived
US$200,001 or equivalent in other FCY 0.50%; max US$ 1,500 - Funds Credit to the Account KES 100
Bankika Business Account - Account Operating Balance Annual fee Main Card 10,000 House Owners Comprehensive Insurance Computed based on
RTGS Opening Balance KES 1,000 replacement value
KES 100 M-PESA AGENT ACCOUNT Supplementary card Annual fee 10000
Remittance within Kenya KES 500 Minimum Operating Balance Nil - Minimum Operating Balance Replacement fee 500 Contractors All Risk Policy (CARP) Project specific
Inactive account reactivation KES 200 Monthly Maintenance Fee KES 1,000
Nil Late payment fee 5%
- Cash Handling Fees on Deposits Nil
Monetary claim of funds on dormant account KES 500 Withdrawal Charges KES 200
- One off Bundled Pricing Interest rate(PA) 0.42
Postage (actual stamp cost plus 30%) or KES 1,000 TERMS AND CONDITIONS
CURRENT ACCOUNT Cash Advance fee %
- Cheque Book per leaf KES 17.50 0.06 EXCISE DUTY ON MONEY TRANSFER SERVICES IS APPLICABLE @ 15% AND FOR
Minimum Revenue stamp KES 30 Tuungane Current Account
DEALERS’ PRIVILEGE ACCOUNT Over limit fee* 1,000 ALL OTHER FEES AND COMMISSIONS CHARGED BY THE BANK, THE RATE IS 20%.
Remittances outside Kenya KES 1,200 Minimum Opening Balance KES 1000 6. Mastercard World Elite Credit KES
Access to Advantage Centre Free
(TT’s and Drafts) 0.3% of value Minimum Monthly Deposit Nil Joining fee
KES 6,000 - Monthly Fee Bundled Pricing Waived
Nil KES 900
Postage (actual stamp cost plus 30%) - Minimum KES 300 Minimum Operating Balance Annual fee Main Card 10,000
KES 8 per leaf - Operating Balance Nil
Cheque Book
Income Tax P.A.Y.E KES 20 - Cheque Book charges Supplementary card Annual fee 10000
Withdrawal charges KES 200 KES 17.50
Foreign draft flat fee KES 500 - Maintenance Fee per leaf Replacement fee 500
Entrepreneur Account Nil
EAPS(East African Payment System) KES 500 Late payment fee 5%
Minimum Operating Balance Nil ADVANTAGE BANKING
SWIFT charges Interest rate(PA) 0.42
Ledger fee Nil
KES 600 or its equivalent Advantage Cash Advance fee % 0.06
Inward (Flat Fee) using the day’s rate in other Maintenance Fee Nil
Free - Monthly Fee Bundled Pricing Over limit fee* 1,000
currencies Monthly Statement KES 1,280
Cheque book charges per leaf - Cheque Book per leaf 7. Visa Signature Credit Card
Outward (Flat Fee) KES 14.50 KES 17.50
KES 2,000 Joining fee Waived
Transaction Charges KES 50 Platinum
Incoming to FCY FREE Annual fee Main Card 7,500
Withdrawals against uncleared effects 3% of advance - Monthly Fee Bundled Pricing KES 2,130
Dividend Warranties KES 50 - Cheque Book per leaf Supplementary card Annual fee 7,500
KES 17.50
Replacement fee 500
Government Pension Cheques
Late payment fee 5%
0.1% for cheques above KES 1,000 - minimum KES 50
Interest rate(PA) 0.42
Cash Advance fee % 0.06
Over limit fee* 1,000
8. Mastercard World Elite Credit USD
Joining fee Waived
Annual fee Main Card 100 USD
Supplementary card Annual fee 100 USD
Replacement fee 5 USD
Late payment fee 5%
Interest rate(PA) 0.42
Cash Advance fee % 0.06
Over limit fee* 10. USD
9. Corporate Card
Joining fees KShs. 4,000 (Waived)
Annual fees KShs. 4000
Supplementary annual fee KShs. 1000
CONTACT US TODAY CALL: 0711087000 or 0732187000 EMAIL: contactcentre@kcbgroup.com SMS: 22522 WHATSAPP: 0711087087 Monthly interest 3.50%

DISCLAIMER: KCB Products and Services and terms under which they are offered may change. Any change that may occur will be communicated. Replacement fees
Late payment interest
KShs. 2000
5% of due amount
Cash advance interest 6% of amount withdrawn
Over limit interest KShs. 1000
Regulated by the Central Bank of Kenya
Minimum repayment 10%