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www.ncbagroup.com
PRODUCT/SERVICE BANK TARIFF

• ATM - Automated Teller Machine

• A.T.S - Automated Trading System
• ARM - Account Relationship Manager
• EFT - Electronic funds transfer
• FCY - Foreign Currency
• LC - Letter of credit
• LCY - Local Currency
• p.a. - per annum
• p.q - per quarter
• RTGS - Real Time Gross settlement system
• USD - United States Dollars

Note: All amounts are in Kenya shillings unless stated otherwise

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PRODUCT/SERVICE BANK TARIFF

CASH GENERAL
• Bankers Cheques and Drafts
° Repurchase/Deposit Nil
° Replacement KES 2,000
° Bankers Cheque/Draft Stop Payment Indemnity KES 1,000
° Online Bankers Cheques (LCY/FCY) KES 300
° Online Bankers Draft KES 1,500
° Manual Bankers Cheque (Customer) KES 530
° Manual Bankers Cheque - (Non-Customer) KES 600
° Manual Bankers Draft (LCY/FCY) KES 2,000
• Boarderless Banking
° Cash withdrawal/ Cash Deposits/ Internal Transfers 0.5% max USD 50
• Cash in Transit Local International and Wage Packeting
° Collection/Delivery Refer to Bank

• Cash Withdrawal
° Amounts less than KES 40,000 KES 350
° Amounts above KES 40,000 KES 100
° Cash Withdrawal >/= FCY ($10,000) (GBP/EUR 8,000) 1%
° Corporate Cash Disbursements KES 400
° Online Petty Cash withdrawal 0.25%
• Cheque Book
° Small (50 Leaves) KES 675
° Large (100 leaves) KES 1,350
° Stop payments per Cheque KES 315
° Stop payments - Cheque book Series KES 1,000
° Counter Cheque: Customers only KES 365
° Retrieve old cheques/ withdrawal slips/Deposit slips KES 800
° Encashment of third Party Cheques
(notified to us by drawer) KES 400
° Specially printed cheque books Refer to Bank
• Clearing Cheques
° Credit clearing Inward LCY and FCY Nil
° Outward cheques unpaid by other banks KES 850 + back
value to deposit
date

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PRODUCT/SERVICE BANK TARIFF

° Outward FCY cheques sent on collection 0.5% min KES

1,250 max KES
7,500 + courier
charges
KES 3, 000
° Outward FCY cheques negotiated and returned
unpaid by correspondents KES 1 ,750 or
USD 25 if payable
in FCY + other
bank charges
° Incoming Cheque Collection 0.4% min
KES 2,000 max
KES 10,000 + cost
of swift/ postage
° FCY cheques unpaid (Off shore) USD 25 + other
bank charges
° Local cheques sent on collection above KES 1M KES 2,500
° Local cheques sent on collections
(none CTS-Cheque Truncation) KES 500
• Clearing Cheques - FCY
° Unpaid - Refer to Drawer - by ourselves USD 35, EUR 32,
GBP 25
° Unpaid - Refer to Drawer -by other bank USD 12, EUR 11,
GBP 9
° Technical Reasons - Outward FCY Local Unpaid USD 22, EUR 21,
GBP 17
° Foreign Currency Cheque Sent on collection 0.5% min
overseas-Unpaid Technical Reasons
° Sent on collection overseas unpaid KES 1,250 max
KES 7,500 +
Courier 3000
° Foreign Currency Cheque negotiated 1%
° Inward on Collection to non-member bank USD 50
° Outward on Collection to non-member bank USD 25
• Clearing Cheques LCY
° Payments against effects not cleared (ENC) KES 5,000
° Unpaid-Refer to Drawer KES 3,000
° Unpaid -Effects not cleared KES 3,000
° Unpaid -Technical reasons KES 1,000

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PRODUCT/SERVICE BANK TARIFF

• Clearing Cheques Value Dating

° Local LCY Clearing 2 Working Days
° Local FCY Clearing 3 Working Days
° Overseas FCY 14 Working Days
• All Credit Cards
° Monthly interest rate CBR + 4%pa
° Duplicate statement per page KES 150
° Unpaid cheque KES 1,000
° Repin KES 500 (USD 50)
° Autopay failure KES 3,000/FCY
equivalent
° FX Margin 3% KES/6% USD
• Credit Cards Classic
° Joining fee KES 3,500 (USD 50)
° Annual fee KES 6,000 (USD 60)
° Over limit fee                5% of amount
above the limit min
KES 2500/USD 35
° Late payment fee 5% min KES 100
° Cash Advance fee 6% min KES 200
° Supplementary card KES 2,500 (USD 50)
° Card replacement fee KES 500 (USD 5)
• Credit Cards Gold
° Joining fee KES 4,000 (USD 60)
° Annual fee KES 5,000 (USD 100)
° Over limit fee 5% of amount
above the limit
Min KES 2,500
(USD 35)
° Late payment fee 5% min KES 100
° Cash Advance fee 6% min KES 200
° Supplementary card 1 Free for first card;
then KES 2,000 per
card
° Card replacement fee 1 free then 750
(USD 7.5) per card

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PRODUCT/SERVICE BANK TARIFF

• Credit Cards Platinum

° Joining fee KES 6,000
° Annual fee KES 7,000
° Over limit fee 5% of amount
above the limit
Min KES 2,500
(USD 35)
° Cash Advance fee 6% min KES 200
° Supplementary card KES 3,000 (USD 30)
° Card replacement fee KES 2,000 (USD 20)
• Credit cards Signature
° Joining fee Nil
° Annual fee KES 10,000
(USD 100)
° Over limit fee 5% of amount
above the limit
Min KES 2,500
(USD 35)
° Cash Advance fee 6% min KES 200
° Supplementary card 5 free then
KES 2,000
° Card replacement fee KES 500 (USD 50)
• Credit Cards Infinite
° Joining fee Nil
° Annual fee KES 15,000 or
(USD 150)
° Over limit fee 5% of amount
above the limit
Min KES 2,500
(USD 35)
° Cash Advance fee 6% min KES 200
° Supplementary card Free for first 5;
then KES 7,500
(USD 75)
° Card replacement fee KES 500 (USD 50)
• Business VISA Gold Card
° Joining Fee KES 10,000
(USD 100)
° Annual Fee KES 5,000
(USD 100)

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PRODUCT/SERVICE BANK TARIFF

° Additional Card KES 5,000

(USD 100)
• Pre-paid Cards
° Card issuance KES 485 / USD 5/
4.5 EUR
° Loading fee KES 100 / USD 1 /
1 EUR
° Card replacement KES 485 / USD 5/
4.5 EUR
° Card restitution KES 100 / USD 1 /
1 EUR
° Cash withdrawal (Domestic) KES 150 / USD 1.50
/ 1.50 EUR
° Cash withdrawal (Intermational) KES 150 / USD 1.50
/ 1.50 EUR
° Balance enquiry (Domestic) KES 30/
USD 0.5/
0.5 EUR
° Balance enquiry (International) KES 50 /
USD 0.75 /
0.75 EUR
° VISA Direct KES 0.5% min 10/
USD 1 / 1 EUR
• Debit Cards
° Card issuance KES 500
° Card replacement KES 500
° Annual Card renewal - Classic KES 300
° Annual Card renewal - Gold KES 400
° Annual Card renewal - Platinum KES 500
° ATM withdrawal (Own ATM) 30
° ATM withdrawal Pesaconnect 60
° ATM withdrawal VISA KES 150
• Deposits/ Treasury Services
° Term deposit liquidation before maturity Forfeight Interest
° A.T.S. settlement KES 1,000 or FCY
equivalent

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PRODUCT/SERVICE BANK TARIFF

• Direct Debits
° Setup KES 300
° Incoming KES 150
° Outgoing KES 75
° Outgoing Unpaid KES 200
° Incoming Unpaid KES 3,500
• Fund Transfers Outgoing
° Manual Internal Transfer KES 400
° Manual KRA Payment KES 400
° Manual RTGS KES 500
° Manual EFT KES 500
° Manual Salary processing KES 500
° Semi -Automated Salary processing KES 500
° Manual Non Banking Financial Institution KES 500
° Manual International Transfer KES 2,400
° Online Internal Transfer (Business) KES 100
° Online/Mobile Internal Transfer (Personal) KES 15
° Online/Mobile KRA payment KES 200
° Online/Mobile EFT KES 140
° Online/Mobile RTGS KES 300
° Online/Mobile Bill (utility) Payments KES 75
° Payment Recall -EFT/RTGS/Pesalink/Mpesa KES 200
° Online/Mobile International Transfer KES 2,400
° Correspondent Bank Charges USD 15-30
° SWIFT Tracers KES 1,500
° Non Banking Financial Institution KES 500
° Online/Mobile Kentrade payment KES 200
• Funds Transfer Incoming
° Incoming International Transfer KES 1,000
° Incoming EFT and RTGS Nil
• Mobile Banking Services
° Value add alerts (Local number) KES 5
° Value add alerts (International number) KES 15
° PIN Reset KES 15
• Mobile Wallet Outgoing
° Manual Payments - Registered user KES 460
° Online Payments - Registered user KES 75
° Via APP or USSD - Registered user KES 75
° Non-Registered user KES 250

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PRODUCT/SERVICE BANK TARIFF

° Paybill KES 40
° Buy Goods 1% of value
• M-Pesa Super Agency
° Float Amount KES 5,000 - KES 100,000 KES 50
° Float Amount Above 100,000 0.05% of Value
• Online Banking Services
° User retraining fee (Corporate clients) KES 1,500
° Internet Banking Hard Token KES 3,500
° Internet Banking Access Fees KES 1,500
° Cash In Transit Refer to Bank
° Liquidity Management KES 10,000/
Bank Tariff per
transaction
° Verification and Certification - Above 10 pages 50 per page max
KES 2,500
• Overdrawn Account
° Minimum interest charge KES 525
• Pesalink Online/ Mobile
° 10 - 500 Nil
° 501 - 10,000 KES 50
° 10,001 - 50,000 KES 100
° 50,001 - 100,000 KES 150
° 100,001 - 200,000 KES 160
° 200,001 - 500,000 KES 180
° 500,001 - 999,999 KES 200
• Pesalink Other
° Bulk payments KES 200
° Manual payments KES 500
• Standing Instructions
° Manual Set-up -Internal KES 300
° Manual Set-up -External KES 366
° Manual amendment KES 250
° Stop Payment KES 500
° Processing per payment KES 200
° Standing Order unpaid due to lack of funds KES 3,000
• Safe Deposit Boxes
° Refundable deposit per locker KES 10,000
• Annual rental
° Small box KES 2,800
° Medium box KES 3,500

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PRODUCT/SERVICE BANK TARIFF

° Large box KES 5,800

° Extra large box KES 5,500
° Access to safe custody (per visit) KES 200
• Safe Deposit Lockers
° Undisclosed contents/ Insurance policies/ Title deeds KES 1,200
• Statements
° Paper statement - Posted KES 35
° e-statement; email/Online /Mobile/ATM-Mini Nil
° Closed accounts - per page KES 500
° Historical (> 2 years) - per page KES 3,000
° Call Center/over the counter enquiries Nil
• Interim Statements
° Less than 6months per page KES 105
° Older than 6 months per page KES 210
° Duplicate statements per page KES 100
° Certifying statements - per request or per page KES 500
• Other
° Re-issuance of Witholding Tax
Certificate/Interest confirmations on deposit accounts KES 1,000
° Certficate of Balance KES 800
° Bank Opinion Local/Foreign KES 2,000
° Audit Confirmation KES 2,200
° Revenue tax/stamp duty KES 100
° Dormant Account Activation KES 300
° Courier Charges KES 5,000
° Hold Mail for Collection over the counter KES 2,000
° Retrieval of Security Documents -discharge KES 1,000
• Visa on Mobile Cash Deposit (at merchant)
° 100 - 5,000 KES 30
° 5,001 - 10,000 KES 75
° 10,001 - 20,000 KES 100
° 20,001 - 30,000 KES 150
° 30,001 - 50,000 KES 200
° 50,001 - 100,000 KES 350
• Visa on Mobile Cash Withdrawal (at merchant)
° 100 - 2,500 KES 50
° 2,501 - 5,000 KES 75
° 5,001 - 10,000 KES 100
° 10,001 - 20,000 KES 150

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PRODUCT/SERVICE BANK TARIFF

° 20,001 - 30,000 KES 200

° 30,001 - 50,000 KES 325
° 50,001 - 75,000 KES 425
° 75,001 - 100,000 KES 600
• Visa on Mobile Funds Transfer
° 100-5,000 KES 30
° 5,001-10,000 KES 50
° 10,001-20,000 KES 100
° 20,001-30,000 KES 150
° 30,001-50,000 KES 250
° 50,001-100,000 KES 500

TRADE SERVICES
• Guarantees
° Shipping Guarantee 1.5% on issue 0.5%
every six months.
Min KES 2,500
° Security/Immigration Bonds 1.5% on issue 0.5%
every six months.
Min KES 2,500
° Other Guarantees/Bonds 1.5% on issue 0.5%
every six months.
Min KES 2,500
° Amendment Guarantees 0.5% per quarter
or part thereof min
KES 2,500
° Guarantee amendment not involving
increase in value or tenor KES 2,000
° Unsecured bid bonds 1.5% on issue 0.5%
every six months.
Min KES 2,500
° Maximum amount per single Bid Bond KES 10,000,000
• Documentary Collections
° Advising commision KES 2,000
° Document handling fees 0.5% min
KES 3,000
° Swift KES 2,000
° Foreign postage KES 5,000
° Local postage KES 3,500
° Acceptance commission if usance 0.25% per quarter
° Extension charges 0.25% p.q
min KES 2,000

12
PRODUCT/SERVICE BANK TARIFF

° If discharged unpaid (closing fee) KES 2,000

° Cost of revenue stamp KES 100
° Holding charges KES 2,500 per
month
Note: if bills not honored on due date then (holding) commission is charged monthly
until time of payment.
• Import LCs
° Opening commission Corporate 0.5% p.q min KES 2,000
° Opening commission SME/Business Banking 0.6% p.q min KES 3,000
° General amendments KES 2,000
° Payment commision 0.25% min. KES 2,000
° Acceptance commission Corporate 0.5% p.q min KES 2,000
° Acceptance commission SME/Business Banking 0.6% p.q min KES 3,000
° Settlement/ Payment 0.25% min KES 2,500
° Releasing documents on LOU KES 2,000
° Discharged unutilized KES 1,000
° Swift charges: opening KES 3,000
° General correspondence KES 2,000
° Amendments increasing amount or
period extension Corporate 0.5% p.q min KES 2,000
° Amendments increasing amount or
period extension SME/BB 0.6% p.q min KES 3,000
° Avalised bills 0.75% per quarter or part
there of min. KES 2,000
• Export LCs
° Advising commission KES 2,000
° Adding our confirmation 0.5% per quarter or part
thereof min KES 2,000
+SWIFT Charges
° General Amendment KES 2,000
° Discrepancy USD 50
° Negotiation/payment/Document handling 0.5% Min KES 3000
° Foreign Postage KES 5,000
° Local postage KES 3,500
° Indemnities 0.5% p.q or part thereof
min KES 2,500
• Value Chain Financing
° Invoice Discounting Commission of 1% & Interest
Rate of prevailing CBR +4%.

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PRODUCT/SERVICE BANK TARIFF

° Cheque Discounting Commission of 1% & Interest

Rate of prevailing CBR +4%.
° LC/Bill Discounting Commission of 1% & Interest
Rate of prevailing CBR +4%.
° Reverse Factoring Commission of 1% & Interest
Rate of prevailing CBR +4%.
° LPO Financing Commission of 1% & Interest
Rate of prevailing CBR +4%.
° For foreign currency 1% commission, interest: margin over the days lending rate

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 PERSONAL CURRENT ACCOUNTS
GOLD ALL IN PLATINUM PREMIER ALL PLATINUM PAY GOLD PAY AS SALARY @ WORK DIPLOMATIC PLATINUM FLEXI HOMEWARD WISER A/C
ONE ALL IN ONE IN ONE AS YOU GO YOU GO ACCOUNT PAY AS A/C A/C
BANK TARIFF

YOU GO
Minimum Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil
operating
balance
Minimum Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil
interest earning
balance
Ledger Fee KES 850 KES 1,400 KES 2,135 KES 350 >30 KES 640 210 - - 350 - -
KES 30,001-
100,000
KES 585
<KES 100,000
Free
Balance KES 300,000 KES 500,000 KES 1,000,000 KES 500,000 KES 100,000 - - KES 50,000 - -
requirement to
waiver ledger
fee

15
Per transaction - 30 - - - 300 (from 5th) - -
fee
No. of free - 10 - - - 4 - -
transactions per
month
Interest / bonus - Yes Yes Yes
earning (Tiered)
Special Criteria Kenyans residing Persons
abroad Above 55
years
• Student Account
PRODUCT/SERVICE

° Minimum balance Nil

° Min interesting earning balance Nil
° Ledger fee Nil
° Balance requirement for ledger waiver Nil
° Per transaction fee Nil
° No of free transactions per month Nil
° Interest / bonus earning Nil
PRODUCT/SERVICE BANK TARIFF

GO SAVING A/C JUMIIA SAVING A/C PREMIER SAVINGS A/C

Monthly service fee Free Free Free

Minimum opening/ operating balance KES 2,000 KES 2,000 KES 100,000

Minimum interest earning balance KES 5,000 KES 5,000 KES 100,000

Number of withdrawals (per month) 1 1 1

Interest payment interval Quarterly Quarterly Quarterly

Incoming funds transfer/Standing orders Free Free Free

e-statement of account Quarterly (free) Quarterly (free) Quarterly (free)

Interest payment Tiered Tiered Tiered

BUSINESS SAVER ACCOUNT

Monthly service fee Free

Minimum opening balance KES 2,000

minimum operating balance KES 2,000

Minimum interest earning balance KES 20,000

Number of withdrawals (per month) one

OTC cash withdrawal charge As per Tariff Guide

Interest payment interval Quarterly based on daily average Balance

Incoming funds transfer/ Standing orders/ Cash Free

deposits

Transfer to own current account Free via internet or Mobile banking

E-statement of account Monthly

Interest payment Tiered

Access to loans against deposit at preferred rates Yes

16
PRODUCT/SERVICE BANK TARIFF

Business Pay Business Business Business Business

as you Go Current Gold platinum Collection
Account Account Account Account Account

Minimum operating balance Nil Nil Nil Nil Nil

Minimum interest earning balance Nil Nil Nil Nil Nil

Account opening Balance 2,000 2,000 2,000 2,000 2,000

Ledger Fee Nil 350 1,000 2,500 Nil

Balance requirement to waive ledger fee N/A 300,000 500,000 800,000

N/A

Per transaction fee 30 30 30 30 Nil

No. of free transactions per month Nil 15 40 100 Unlimited

Debit Card As per Tariff Free Free Free N/A

Currency KES KES KES & KES KES

All Major
Currencies

Cheque book As per Tariff 1st Cheque 1st Cheque 1st Cheque N/A
Book Free Book Free Book Free

Cash handling fees 0.25% 0.25% 0.20% 0.20% 

17
PRODUCT/SERVICE BANK TARIFF

18
www.ncbagroup.com

NCBA IS REGULATED BY CENTRAL BANK OF KENYA