TARIFF GUIDE

CASH GENERAL Direct Debits

TRADE SERVICES
Guarantees
Bankers Cheques & Drafts Incoming KES. 150
Shipping Guarantee 0.5% p.q min KES 2,500
Bankers Cheque/ Draft Stop Payment Indemnity KES. 1,000 Incoming Unpaid KES. 3,500
Security/ Immigration Bonds KES 2,500 per annum
Manual Bankers Cheque (LCY) KES. 530 Outgoing KES. 63
Other Guarantees/ Bonds 0.5% p.q Min KES 2,500
Manual Bankers Draft (FCY) USD 10 Outgoing Unpaid KES. 100
Amendment Guarantees 0.5% p.q Min KES 2,500
Online Bankers Cheques (LCY) KES. 163 Setup KES. 200
Guarantee amendment not
Online Bankers Draft KES. 800 Fund Transfers Outgoing involving increase in value or tenor KES. 2,500
Replacement KES. 1,500
Correspondent Bank Charges USD 15 - 30 Unsecured bid bonds 0.75% p.q or part there of min KES 2,500
Repurchase/Deposit Nil
Manual EFT KES. 500 Maximum amount per single Bid Bond KES 10,000,000
Boarderless Banking Manual Internal Transfer KES. 300 Guarantee Cancellation Corporate KES 200
Cash withdrawal 0.5% max USD 50 Manual International Transfer KES. 2,400 Guarantee Cancellation SME/Business Banking KES 1,500
Cash Deposits 0.5% max USD 50 Manual KRA Payment KES. 300 Swift charges (Opening) KES.3,000
Internal Transfers 0.5% max USD 50 Manual RTGS KES. 500 Swift charges (General) KES.2,000
Manual Salary processing KES. 500
Cash in Transit Local/ International and Wage Packeting Non Banking Financial Institution KES. 500 Documentary Collections (Imports)
Collection/Delivery Refer to Bank Online Internal Transfer (Business) KES. 90 Advising commision KES. 2,000
Online/Mobile Bill (utility) Payments KES. 63 Swift KES. 2,000
Cash Other
Online/Mobile EFT KES. 90 Documentary Collections (Imports)
Audit Confirmation KES. 2,100 Online/Mobile International Transfer KES. 1,950 Document handling fees 0.5% Min. KES.3,000
Bank Opinion Local/Foreign KES. 1,500 Online/Mobile Kentrade payment KES. 200 Foreign Postage KES.5,000
Hold Mail for Collection over the counter KES. 2,000 Online/Mobile KRA payment KES. 175 Local Postage KES.3,500
Certificates - Witholding Tax/ Online/Mobile RTGS KES. 300 Acceptance commission if usance KES. 1,750
Interest confirmation/ Deposit balance KES. 600 Payment Recall -EFT/RTGS/Pesalink/Mpesa KES. 200 If discharged unpaid (closing fee) KES. 2,000
Revenue Tax/ Stamp Duty KES. 100 Semi -Automated Salary processing KES. 245 Cost of revenue stamp KES. 100
Postage Courier KES. 3,250 SWIFT Tracers KES. 850 Holding charges KES. 2,500 p.m
Cash Withdrawal (OTC) Funds Transfer Incoming Avalised Bills 0.75% p.q or part thereof min. KES 2,000
FCY Cash Withdrawal 0.63% Incoming EFT and RTGS Nil Collection Payment Commission 0.25% Min. KES 2,000
Corporate Cash Disbursements KES. 375 Incoming International Transfer KES. 750 Note: if bills not honored on due date then (holding) commission is
Company/Facility Search KES 1,000 Mobile Banking Services charged monthly until time of payment.
PIN Reset KES. 15 Import LCs
Cash Withdrawal (OTC) Consumer Banking
Value add alerts (International number) KES. 15 Opening commission Corporate 0.5% p.q min KES 2,000
Amounts above Kshs 80,000 and below Kshs 1M KES. 100
Value add alerts (Local number) KES. 5 Opening commission SME/Business Banking 0.6% p.q min KES 3,000
Amounts below 80,000 KES. 325
General amendments KES 2,000
Cash Withdrawal/ Deposit/LCY Mobile Money Charges Payment commision 0.25% min. KES 2,000
Amounts above KES. 1 million 0.25% Acceptance commission Corporate 0.5% p.q min KES 2,000
Amount Airtel Charge Mpesa Charge Acceptance commission SME/Business Banking 0.6% p.q min KES 3,000
Cheque Book 1 - 100 0 0 Releasing documents on LOU KES 2,000
101 - 500 11 10 Discharged unutilized KES 1,000
Counter Cheque: Customers only KES. 315
501- 1,000 18 12
Small (30 Leaves) KES. 600 Swift charges: opening KES 3,000
1,001 - 1,500 20 14
Small (50 Leaves) KES. 675 General correspondence KES 2,000
1,501- 2,500 25 23
Large (100 leaves) KES. 1,350 Amendments increasing amount or
2,501 - 3,500 35 33
Retrieve old cheques/ withdrawal slips/Deposit slips KES. 775 period extension Corporate 0.5% p.q min KES 2,000
3,501 - 5,000 45 43
Specially printed cheque books Refer to Bank Amendments increasing amount or
5,001 - 7,500 55 55
Stop payments - Cheque book Series KES. 1,000 7,501 - 20,000 65 65 period extension SME/Business Banking 0.6% p.q min KES 3,000
Stop payments per Cheque KES. 283 20,001- 150,000 65 67 Discrepancy USD 100
Third Party Cheque encashment KES. 400 Export LCs
Mobile Wallet Outgoing Advising Commission (Customer) KES 2,000
Clearing Cheques
Manual Payments -Registered user KES. 460 Advising Commission (Non Customer) USD 100
Credit clearing Inward LCY and FCY Nil Online/Mobile Payments Non-Registered user KES. 250 Adding our confirmation 0.5% per quarter or part thereof
FCY cheques unpaid (Off shore) USD 25 + other Online Payments - Registered user KES. 72 min KES 2,000 +SWIFT Charges
bank charges Via APP or USSD - Registered user KES. 72 General Amendment KES 2,000
Incoming Cheque Collection 0.4% min KES. 2,000 max Negotiation/ Payment/ Document handling 0.5% Min KES 3,000
KES. 10,000 + cost of swift/ Mobile Payments Incoming
Foreign Postage KES 5,000
postage Paybill KES. 40
Local postage KES 3,500
Local cheques sent on collection above Kshs 1m KES 2500 Buy Goods 0.5% of value
Document Examination Fees USD 50
Outward cheques unpaid by other banks KES. 850 + back value to MPESA Super Agency
deposit date Value Chain Financing
Float Amount Above KES. 100,000 0.05% of Value maximum
Outward FCY cheques negotiated and KES. 1 ,750 or USD 25 if of KES. 200 Invoice Discounting/ Cheque Discounting/ Commission - 1% Interest
returned unpaid by correspondents payable in FCY + other Float Amount Kshs. 5,000 - KES. 100,000 KES. 50 LC/Bill Discounting/ Reverse Factoring/ rate - NCBA Base Rate
bank charges LPO Financing + margin
Outward FCY cheques sent on collection 0.5% min KES. 1,250 max Online Banking Services
KES. 7,500 + courier Cash In Transit Refer to Bank PERSONAL SAVINGS ACCOUNT
charges KES. 3,000 Internet Banking Access Fees (Corporate) KES. 1,500 ACCOUNT FEATURES GOLD SAVING A/C JUNIOR SAVING A/C PREMIER SAVINGS A/C
Clearing Cheques FCY Internet Banking Access Fees (SME) KES. 500
Monthly service fee Free Free Free
Foreign Currency Cheque negotiated 1% Internet Banking Hard Token KES. 2,500
Minimum opening balance KES 2,000 KES 2,000 KES 100,000
Inward on Collection to non-member bank USD 50 Liquidity Management KES. 10,000 or Bank Tariff Per
Outward on Collection to non-member bank USD 25 Transaction Minimum operating balance KES 2,000 KES 2,000 KES 100,000

Unpaid Technical Reasons - FCY Cheque 0.5% min 1,250 max User retraining fee (Corporate clients) KES. 1,500 Minimum interest earning balance KES 5,000 KES 5,000 KES 100,000
Unpaid Technical Reasons - Outward FCY Local 0.5% min 1,250 max Pesalink Online/Mobile Number of withdrawals (per month) 1 1 1
Unpaid - Refer to Drawer - by ourselves USD 35, EUR 32, GBP 25 10-500 Nil Interest payment interval Quarterly Quarterly Monthly
Unpaid - Refer to Drawer - by other bank USD 12, EUR 11, GBP 9 501-10,000 KES. 50 Incoming funds transfer/Standing orders Free* Free* Free*
Above 10,000 KES. 100
Clearing Cheques LCY e-statement of account Quarterly (free) Quarterly (free) Quarterly (free)
Payments against effects not cleared (ENC) KES. 3,000 Pesalink Manual
Interest payment Tiered Tiered Tiered
Unpaid - Effects not cleared KES. 3,000 Manual -All amounts KES. 500
Unpaid - Technical reasons KES. 750 Pre-paid Cards
BUSINESS CURRENT ACCOUNTS
Unpaid - Refer to Drawer KES. 3,000 Balance enquiry (Domestic) KES. 30/ USD 0.500 / 0.5 EURO Business Pay Business Business Business Business
Account
Inward unpaid KES 850 Balance enquiry (International) KES. 50/ USD 0.7500/ 0.75 EURO Features
as you Go Current Gold platinum Collection
Account Account Account Account Account
New Card issuance/ Replacement KES. 520/ USD 5/ 4.5 EURO
Minimum operating balance Nil Nil Nil Nil Nil
All Credit Cards Card restitution KES. 100/ USD 1/ 1 EURO
Autopay failure KES. 3,000/ FCY equiv Cash withdrawal Domestic/ International KES. 150/ USD 1.50/ 1.50 EURO Minimum interest earning balance Nil Nil Nil Nil Nil
Joining fee Waived VISA Direct KES. 0.5% min 10/ USD 1/ 1 EURO Account opening Balance 2,000 2,000 2,000 2,000 2,000
Cash Advance fee 6% min KES. 200 Safe Deposit Locker Ledger Fee Nil 350 1,000 2,000 Nil
Card replacement fee KES. 500 or USD 10 Access to safe deposit locker (per visit) KES. 200 Balance requirement to waive ledger fee N/A 300,000 500,000 800,000
Late payment fee 5% min 100 Annual rental - Extra large locker KES. 5,800
Duplicate statement per page KES. 125 Annual rental - Large locker KES. 5,500
Per transaction fee 30 30 30 30 Nil
Repin 500 or USD 10 Annual rental - medium locker KES. 3,500 No. of free transactions per month Nil 15 40 100 Unlimited
Unpaid cheque KES. 1000 Annual rental - Small locker KES. 2,800 Debit Card As per Tariff Free Free Free N/A
Over limit fee 5% of amount above the Refundable deposit per locker KES. 10,000 Currency KES & KES & KES & KES & KES &
authorized limit or KES. 2500
Standing Instructions All Major All Major All Major All Major All Major
or USD 35 whichever is greater Currencies Currencies Currencies Currencies Currencies
Manual amendment KES. 250
Corporate Credit Cards Manual Set-up -Internal/External KES. 365 Cheque book As per Tariff 1st Cheque 1st Cheque 1st Cheque N/A
Annual fee KES. 5,000/ USD 100 Online Set-up, Amendment, Stoppage Nil Book Free Book Free Book Free
Visa Spend Clarity(Corporate card Spend Service) KES. 3,500/ USD 35 per annum Processing per payment KES. 200 Cash handling fees 0.25% 0.25% 0.20% 0.20%
Standing Order unpaid due to lack of funds KES. 3,000
Classic Credit Cards BUSINESS SAVER ACCOUNT
Stop Payment KES. 500
Annual fee - Unsecured Cards KES. 2,750 Suspension KES. 400 Monthly service fee Free
Annual fee - Secured Cards KES. 1,000 Statements Minimum opening balance KES 2,000
Supplementary card KES. 1,000 minimum operating balance KES 2,000
Call Center/over the counter enquiries Nil
Gold Credit Cards e-statement ; email/Online /Mobile/ATM-Mini Nil Minimum interest earning balance KES 20,000
Annual fee - Unsecured Cards KES. 4,500 or USD 100 Closed Account/Historical (Above 2 years) - per page KES. 210 Number of withdrawals (per month) One
Annual fee - Secured Cards KES. 2,500 0r USD 30 Interim/duplicate - (Below 2 years) per page KES. 105 Interest payment interval Monthly based on daily
Supplementary card Free for first card; Online/Interim/Paper statement certification Free first 10 pages. Above 10 Incoming funds transfer/ average Balance
the KES. 2,000 pages charge 50 per page
Standing orders/ Cash deposit Free*
Platinum Credit Cards max KES. 2,000.
Transfer to own current account Free via internet or Mobile banking
Annual fee - Unsecured Cards KES. 6,500 Paper statement - Posted KES. 35
Retrieval of Security Documents -discharge KES. 1,000 E-statement of account Monthly
Annual fee - Secured Cards KES. 3,000
Interest payment Tiered
Supplementary card Free for first 2; subsequent
STUDENT ACCOUNT Access to loans against deposit at preferred rates Yes
card Kshs 2,000
Minimum balance Nil Additional OTC withdrawals after the first free withdrawal - Charged as per tariff
Signature Credit Cards Min interesting earning balance Nil Customer initiated transactions ( Branch/ Mobile or Internet Banking) – Charged as per tariff.
Annual fee KES. 7,000/ USD 70 Ledger fee Nil
Autopay failure KES. 3,000/ FCY equivl Balance requirement for ledger waiver Nil
NCBA SASA DISTRIBUTOR FINANCE
Supplementary card Free for first 5; then KES. 2,000 Per transaction fee Nil Minimum Operating Balance/ Minimum Interest Earning Nil
No of free transactions per mont Nil Balance/ Account opening Balance/ Ledger Fees
Infinite Credit Cards Per Transaction Fees Nil
Interest/ bonus earning Nil
Annual fee KES. 10,000/ USD 100 Access to Business Gold Debit Card As per Tariff
Autopay failure KES. 3,000/ FCY equiv PERSONAL CURRENT ACCOUNTS Cash Handling 0.25%
Supplementary card Free for first 5; subsequent
ACCOUNT GOLD ALL IN PLATINUM PREMIER ALL PLATINUM PAY GOLD PAY AS SALARY @ WORK PAY AS DIPLOMATIC A/C PLATINUM FLEXI HOMEWARD A/C WISER A/C
card KES. 7,500 / USD 75 FEATURES ONE ALL IN ONE IN ONE AS YOU GO YOU GO ACCOUNT YOU GO

Debit Cards
Minimum operating Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil
ATM withdrawal (Own ATM) KES. 30 balance
ATM withdrawal Pesaconnect KES. 68 Ledger Fee KES 800 KES 1,400 KES 2,000 KES 350 <KES 30K=, KES 640 210 - - 350 - -
>KES 30K -
ATM withdrawal VISA KES. 150 100K = KES 585
Card issuance KES. 400 >100K =Free
Card renewal - Classic KES. 300 Balance requirement to KES 300,000 KES 500,000 KES 1,000,000 KES 500,000 KES 100,000 KES. 30,000 - - KES 50,000 - -
Card renewal - Gold KES. 400 waive ledger fee

Card renewal - Platinum KES. 500 Per transaction fee - - - 30 - - - - 300 (from 5th) - -
Card replacement KES. 500
No. of free transactions - - - 10 - - - - 4 - -
Deposits/ Treasury Services per month

A.T.S. settlement KES. 1,000 or FCY equivalent Interest/ bonus - - - - - - - - Subject to min Subject to min Subject to min
earning (Tiered) balance defined balance defined balance defined
Primary market bid using NCBA Client 0.5% of T-Bill value (One off)
Special Criteria - - - - - - Scheme company Diplomatic - Kenyans residing Persons Above
Account T-bills and Bonds 0.5% of bond face value per annum employees mission employees abroad 55 years
(charge at coupon payment)
Primary market bid using client CDS Account KES 5,000.00 Flat fee
Note: A customer has the right to obtain a copy of the Key Facts Document NCBA Centre
Secondary market Swift Messages KES 2,000.00 per T-Bond/T-bill
Mara and Ragati Road, Upper Hill
Term Deposit liquidation prior to maturity P. O. Box 44599-00100, Nairobi, Kenya
Total interest is forfeited
Tel: +254 20 2884444
Mobile: +254 711 056444/+254 732 156444
www.ncbagroup.com NCBA BANK KENYA PLC IS REGULATED BY THE CENTRAL BANK OF KENYA. Email: [email protected]
NCBA TARIFF/11/19