I&M Bank Limited Personal Sapphire Transactional Account Details

Rates available from as of 1st April 2021
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I&M Bank Limited

Personal Sapphire Account
Min Opening Balance
Maintenance Fee
For balances below Ksh 30K
Ledger Fee (Per Transaction)
Minimum Ksh 300 per month
Min of Ksh30,000 required to open
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Account Details

  • Opening balance: Ksh 30,000
  • Operating balance: Ksh 30,000
  • Maintenance fees: Ksh 500
  • Ledger fees: Ksh 10 per item, minimum 300 per month

Transactional Charges (per transaction)

  • OTC withdrawal: Free
  • OTC cash deposits: Free
  • Internal Transfers: Free
  • RTGS: 500
  • International transfers: 1500
  • ATM Withdrawals: 30
  • Salary processing:
  • Internal Standing Orders: 75
  • External Standing Orders: 350
  • Bank Account to Mobile Money transfer: 12 - 78

Account Access Charges (per item)

  • Over the counter: Free
  • Debit card: Free
  • Cheque book: Free
  • Bankers cheque: 500
  • Counter cheque: 250
  • Standing order: 350

Account Management Charges (per request)

  • ATM Statement: Free
  • Mobile banking statement: Free
  • Branch Statement: Free
  • Mobile balance enquiry: Free

Penalty Charges (per instance)

  • Failed standing order: 1500
  • Cheque ‘Refer to drawer’: 2500

Documentation Required

  • National ID/ Valid Passport
  • Passport Photo
  • T&C Link

Money254 Review


  • Free platinum Debit card
  • Free cheque book
  • 15 Free OTC withdrawals
  • Free statements


  • Monthly maintenance fee of 500
  • Minimum operating balance of 30000 required

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