NCBA Kenya PLC Gold Pay As You Go Current Account Details

Rates available from as of 1st April 2021
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Gold Pay As You Go Account
Min Opening Balance
Maintenance Fee
Ledger Fee (Per Transaction)
See Ledger Fees Below
No opening balance required
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Account Details

  • Opening balance: 0
  • Operating balance: 0
  • Maintenance fees: No fee

Ledger fees

  • 0-30,000: Ksh640
  • 30,001-100,000: Ksh585
  • above 100k: Free

Transactional Charges (per transaction)

  • OTC withdrawal amounts above ksh40K: 100
  • OTC withdrawal for amounts below ksh40K: 350
  • OTC cash deposits: Free
  • Internal Transfers: Free
  • RTGS: ksh500
  • International transfers: ksh2400
  • ATM Withdrawals: ksh30
  • Salary processing: ksh500
  • Standing Orders: ksh200
  • Bank Account to Mobile Money transfer: ksh12 - 80.4

Account Access Charges (per item)

  • Debit card: ksh500
  • Cheque book: ksh675 for 50 leaves
  • Bankers cheque: ksh530
  • Counter cheque: ksh365
  • Standing order: ksh200

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: ksh3000
  • Cheque ‘Refer to drawer’: ksh3000

Documentation Required

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  • No operating balance required
  • Access to mobile banking, internet banking, cheque book and debit card
  • Free internal transfers


  • Ledger fees if balance falls below ksh100K

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