Quick answer
Family Bank's tariff guide effective January 2026 lists PesaLink at nil up to KSh 500 and KSh 50 to KSh 200 above that, agent withdrawals from KSh 25 to KSh 255, own-ATM withdrawals at KSh 30, branch RTGS at KSh 500 and Mwananchi account opening at KSh 100.
Updated 24 October 2026
Family Bank’s current tariff guide took effect in January 2026, and it is the document the bank points customers to when they ask what a transaction will cost. The figures below are taken from that guide as published on the bank’s website. All amounts are in Kenya shillings unless stated, and the bank notes that every fee is subject to withholding tax and other applicable taxes, and that the guide can change. If a charge matters for a big transaction, confirm it at a branch or on the bank’s customer care lines before you pay.
The guide is long, so this page groups the charges people ask about most: mobile banking on PesaPap, PesaLink, agent and ATM withdrawals, transfers, cheques, cards and the opening balances for each account.
In this guide
PesaPap mobile banking charges
PesaPap is Family Bank’s app and USSD mobile banking service. Its everyday charges are small, but they add up if you check your balance often.
| Service | Charge (KSh) |
|---|---|
| SMS notifications | 10 |
| Full statement | 30 |
| Mini statement | 5 |
| Airtime top up | Free |
| Utility payments | 30 |
| KPLC postpaid | 30 |
| KPLC prepaid tokens | 20 |
| KRA payments (income tax, VAT, PAYE, customs) | 30 |
Bank to mobile money charges
Moving money from a Family Bank account to a mobile wallet is charged by amount, and the guide says the same bands apply on all channels.
| Amount (KSh) | Charge (KSh) |
|---|---|
| 1 to 100 | Nil |
| 101 to 500 | 11 |
| 501 to 1,000 | 13 |
| 1,001 to 1,500 | 15 |
| 1,501 to 2,500 | 24 |
| 2,501 to 3,500 | 34 |
| 3,501 to 5,000 | 44 |
| 5,001 to 10,000 | 56 |
| 10,001 to 20,000 | 66 |
| 20,001 to 150,000 | 68 |
For a side by side look at what the two big wallets charge on their own networks, see our M-Pesa vs Airtel Money comparison. If you are depositing into Family Bank from M-Pesa, the paybill is listed in our bank paybill numbers guide.
PesaLink transfer charges
PesaLink sends money instantly to an account at another participating bank. Small transfers are free.
| Amount (KSh) | Charge (KSh) |
|---|---|
| 10 to 500 | Nil |
| 501 to 10,000 | 50 |
| 10,001 to 50,000 | 60 |
| 50,001 to 100,000 | 70 |
| 100,001 to 200,000 | 100 |
| 200,001 to 500,000 | 150 |
| 500,001 to 999,999 | 200 |
Family Bank agent charges
Deposits at a Family Bank agent are free. A balance enquiry at an agent costs KSh 10 and a mini statement KSh 20. Withdrawals at an agent are charged by amount, as listed in the agency section of the guide:
| Withdrawal amount (KSh) | Charge (KSh) |
|---|---|
| 100 to 2,500 | 25 |
| 2,501 to 5,000 | 45 |
| 5,001 to 10,000 | 75 |
| 10,001 to 20,000 | 120 |
| 20,001 to 35,000 | 150 |
| 35,001 to 50,000 | 180 |
| 50,001 to 75,000 | 210 |
| 75,001 and above (top band in the guide) | 255 |
Anyone who wants to become a Family Bank agent pays an onboarding and application fee of KSh 8,000, according to the same guide.
ATM and debit card charges
Using a Family Bank debit card at the bank’s own ATMs is the cheapest way to get cash out with a card. Other networks cost more.
| Service | Charge (KSh) |
|---|---|
| Cash withdrawal at Family Bank ATMs | 30 |
| Balance enquiry at Family Bank ATMs | 10 |
| Mini statement at Family Bank ATMs | 10 |
| Cash deposit at the counter or ATM | Nil |
| Point of sale (card) payment | Nil |
| Withdrawal at Pesapoint ATMs | 80 |
| Withdrawal at Kenswitch ATMs | 100 |
| Withdrawal at other local Visa or Mastercard ATMs | 200 |
| Withdrawal at international Visa or Mastercard ATMs | 200 |
| Retrieving a card captured by a Family Bank ATM | Free |
A Visa Debit Classic or Mastercard Gold Debit card costs KSh 500 to issue and KSh 500 to replace. The Visa Debit Gold and Mastercard World Debit cards cost KSh 750 to issue or replace. Prepaid cards cost KSh 350 to issue, with withdrawals at the bank’s own ATMs at KSh 30 and agent withdrawals at KSh 45.
Credit card fees
The joining fee on the Classic and Gold credit cards is waived. The annual fee is KSh 3,000 for Classic and KSh 4,000 for Gold. A cash advance costs 6.5 percent of the amount, with a minimum of KSh 200, and interest is charged at 3.5 percent a month. The minimum monthly payment is 20 percent of the outstanding balance. A late payment attracts 6 percent (minimum KSh 200), going over the limit costs 4 percent of the excess (minimum KSh 1,500), and a replacement card is KSh 1,000.
Transfers, RTGS and SWIFT
| Transfer type | Charge |
|---|---|
| Internal transfer (branch) | KSh 50 |
| Inward EFT | KSh 100 |
| Outward EFT | KSh 150 per item for 1 to 100 items, KSh 100 for 101 to 1,000, KSh 50 above 1,000 |
| RTGS outward (branch) | KSh 500 |
| RTGS inward | Free |
| SWIFT incoming | KSh 600, USD 10, GBP 5 or EUR 7 |
| SWIFT outgoing, USD (beneficiary pays) | KSh 1,500 |
| SWIFT outgoing, USD (sender pays) | KSh 3,500 |
| SWIFT outgoing, GBP or EUR | KSh 5,000 |
Doing the same transfers on internet banking or FamilyPay is cheaper in some cases: set up is free, an internal transfer is KSh 30, an EFT is KSh 100, RTGS is KSh 400 and a SWIFT transfer is KSh 1,500.
Standing orders cost KSh 250 to set up, then KSh 100 per internal payment and KSh 300 per external one. An unpaid standing order costs KSh 2,500, and an unpaid direct debit KSh 300.
Cheque charges
Local cheque leaves cost KSh 14 each, and a counter cheque is KSh 300 a leaf. Stopping a cheque costs KSh 500 and a banker’s cheque is KSh 100. The expensive part is a bounced cheque: if Family Bank returns your cheque for insufficient funds the charge is KSh 2,500, and the same applies when effects have not cleared. A cheque returned by another bank costs KSh 500.
Account opening balances and ledger fees
| Account | Opening balance (KSh) | Other conditions in the guide |
|---|---|---|
| Mwananchi Account | 100 | Minimum operating balance KSh 100, no ledger fees |
| Salary Account | 100 | No minimum operating balance, no ledger fees |
| Fuzu Prestige Account | 1,000 | Ledger fee KSh 500 on the bundle, nil on pay as you go |
| Bizna Savings Account | 100 | Interest from KSh 20,000 (or USD 250) |
| Tujenge Account | 200 | Minimum operating balance KSh 400, 4 free withdrawals, then KSh 200 each |
| Jenga Bizna Current Account | 250 | No ledger fees |
| Group or Chama Account | 2,000 | Minimum operating balance KSh 2,000 |
| Mdosi Junior Account | 200 | Minimum operating balance KSh 1,000, 3 free withdrawals |
| Scholar Account | 200 | Over the counter withdrawal KSh 60 |
| Personal Current Account | 2,000 | Minimum ledger fees KSh 500 |
| Business Current Account | 5,000 | Minimum ledger fees KSh 500 |
Two bundled current accounts replace most per-transaction fees with one monthly charge. Fuzu Premier costs KSh 800 a month and needs KSh 2,000 to open. The bundled Business Current Account costs KSh 1,500 a month and needs KSh 5,000 to open. Both include a free cheque book each year, a free banker’s cheque each quarter and free SMS alerts.
Other branch charges
Over the counter cash withdrawals on standard accounts cost KSh 100. Closing an account costs KSh 1,000. An interim statement is KSh 100 a page, a certified statement KSh 500 a page and a statement for a closed account KSh 2,000. A bank opinion letter is KSh 1,500, an audit confirmation letter KSh 500, and safe custody of documents is KSh 600 every six months. Dormant accounts are not charged, and reactivating one is free.
Comparing banks before you open an account? Our Equity Bank help guide covers that bank’s own channels and charges.
Frequently asked questions
How much does Family Bank charge for PesaLink?
Transfers of KSh 10 to 500 are free. From KSh 501 to 10,000 the fee is KSh 50, rising in steps to KSh 200 for KSh 500,001 to 999,999.
How much is a Family Bank agent withdrawal?
It starts at KSh 25 for KSh 100 to 2,500 and goes up to KSh 255 for the top band. Agent deposits are free.
What does it cost to withdraw at a Family Bank ATM?
KSh 30 at the bank’s own ATMs, KSh 80 at Pesapoint, KSh 100 at Kenswitch and KSh 200 at other Visa or Mastercard ATMs.
What is the cheapest Family Bank account to open?
The Mwananchi, Salary and Bizna Savings accounts each open with KSh 100, and the Mwananchi and Salary accounts carry no ledger fees.
Source: Family Bank Tariff Guide, effective January 2026, published on familybank.co.ke. Charges are exclusive of taxes and can change; confirm with the bank before large transactions.
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