Updated 2 November 2026
The current DTB tariff guide is dated August 2026, with Diamond Trust Bank’s revised prices in force from 9 August 2026. Key charges: KSh 30 to withdraw at a DTB ATM, KSh 200 at another bank’s ATM, KSh 300 for a counter withdrawal below KSh 35,000, KSh 15 to send KSh 1,000 to M-Pesa, and a flat KSh 20 for PesaLink transfers above KSh 1,000 (free up to KSh 1,000). Below are all the main DTB charges, what they mean in practice and how to keep them low.
Updated November 2026 from the official DTB Kenya Tariff Guide “as at August 2026” on dtbafrica.com and DTB’s 27 April 2026 PesaLink pricing announcement. All charges are subject to applicable tax (excise duty).
DTB tariff guide: account fees and minimum balances
| Item | Charge |
|---|---|
| DTB Titan Account: minimum balance / monthly fee | KSh 50,000 / KSh 2,000 |
| DTB Elite Account: minimum balance / monthly fee | KSh 5,000 / KSh 750 |
| Zawadi Current Account minimum balance | KSh 1,000 |
| Transaction fee on current account (per entry) | KSh 30 |
| Account closure | Free |
| Debit alerts / other SMS alerts | Free / KSh 200 a month (optional) |
| Cheque book: 25 leaves / 100 leaves | KSh 375 / KSh 1,500 |
| Stop payment | KSh 400 per leaf, KSh 1,000 per continuous series |
| Interim statement (current year) | KSh 100 a page, max KSh 2,500 |
| Cheque returned “refer to drawer” or “effects not cleared” | KSh 2,400 |
| Unpaid standing order (insufficient funds) | KSh 2,400 |
Withdrawals and card charges
- DTB ATM: KSh 30 per withdrawal.
- PesaPoint or Kenswitch ATM: KSh 70.
- Any other bank’s ATM: KSh 200.
- Counter withdrawal: KSh 300 below KSh 35,000; KSh 200 from KSh 35,000 to under KSh 1 million. Bulk cash over KSh 1 million a day attracts 0.25%.
- Mastercard debit card: KSh 500 new, KSh 600 replacement; purchases at merchants are free. Card FX transactions: 7%.
- Credit cards: World Reward KSh 8,000 a year, Platinum KSh 5,000 a year; interest 3.5% a month; cash advance 5%; late fee 5% of the amount due (minimum KSh 200).
DTB to M-Pesa and mobile money charges
| Amount sent to a mobile wallet (KSh) | DTB fee (KSh) |
|---|---|
| 1 – 100 | Free |
| 101 – 500 | 11 |
| 501 – 1,000 | 15 |
| 1,001 – 1,500 | 18 |
| 1,501 – 2,500 | 25 |
| 2,501 – 3,500 | 35 |
| 3,501 – 5,000 | 47 |
| 5,001 – 7,500 | 57 |
| 7,501 – 20,000 | 67 |
| 20,001 – 250,000 | 70 |
Paying an M-Pesa till from your DTB account has its own bands in the guide, starting at KSh 3 for under KSh 50 and topping out at KSh 125 for large payments. Deposits into DTB through a DTB paybill attract only the mobile operator’s charge.
PesaLink, EFT, RTGS and SWIFT
| Transfer | Online and mobile | Branch |
|---|---|---|
| DTB to DTB | KSh 0 | KSh 100 (manual) |
| PesaLink KSh 0 – 1,000 | Free | – |
| PesaLink KSh 1,001 – 999,999 | KSh 20 flat | – |
| EFT outgoing | KSh 100 | KSh 500 |
| RTGS outgoing | KSh 500 | KSh 500 |
| SWIFT outgoing | KSh 1,500 | KSh 1,500 (KSh 700 for Indian rupee) |
| Incoming EFT / RTGS / SWIFT | Free / Free / KSh 500 | |
| Bill payments | KSh 30 | KSh 50 |
DTB’s KSh 20 flat PesaLink fee is one of the cheapest among large banks: paying KSh 300,000 to another bank costs KSh 20 by PesaLink against KSh 500 by RTGS. Read PesaLink vs RTGS vs EFT for limits and timing.
DTB loan and credit facility fees
- Term loans, hire purchase, mortgages and leases: appraisal fee of 2% at appraisal, then 1% on every anniversary.
- Overdrafts: commitment fee of 2% a year.
- DTB Weza (digital loan): facilitation fee of 7% on appraisal and a 7% roll-over fee on the outstanding amount.
- DTB Inua: application fee of 7%.
- Interest on most facilities is at the bank’s prevailing rate; see our DTB loan interest rates guide and the DTB loan calculator.
Worked examples
- Four DTB ATM withdrawals and five KSh 3,000 transfers to M-Pesa in a month: KSh 120 + KSh 175 = KSh 295 before tax.
- A KSh 10,000 cash need: DTB ATM KSh 30 vs counter KSh 300 vs another bank’s ATM KSh 200.
- A KSh 1 million term loan: KSh 20,000 appraisal fee upfront, then KSh 10,000 a year on each anniversary.
How to pay less at DTB
- Move money to other banks by PesaLink (KSh 20) instead of EFT at the branch (KSh 500).
- Use DTB or Kenswitch ATMs rather than other banks’ machines.
- Keep enough balance for standing orders; each failed one costs KSh 2,400.
- If you are on Titan or Elite, check you use the benefits; otherwise the KSh 750 to KSh 2,000 monthly fee is pure cost.
Comparing banks? See DTB vs NCBA, the Family Bank tariff guide and DTB paybill, SWIFT code and contacts. DTB’s contact centre is 0719 031 888 or 0732 121 888.
Sources
Frequently asked questions
How much does DTB charge for ATM withdrawals?
KSh 30 at a DTB ATM, KSh 70 at a PesaPoint or Kenswitch ATM and KSh 200 at any other bank’s ATM, plus tax.
What is the DTB PesaLink charge?
Free for up to KSh 1,000 and a flat KSh 20 for any amount from KSh 1,001 to KSh 999,999.
How much is DTB to M-Pesa?
KSh 11 for KSh 101–500, KSh 15 for up to KSh 1,000, KSh 47 for KSh 3,501–5,000 and KSh 70 for KSh 20,001–250,000.
Is there a fee to close a DTB account?
No. The August 2026 DTB tariff guide lists account closure as free.
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