NCBA Kenya PLC Work Pay As You Go Transactional Account Details

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

  • Opening balance: Ksh 0
  • Operating balance: ksh 0
  • Maintenance fees: No fee
  • Ledger fees: No fee

Transactional Charges (per transaction)

  • OTC withdrawal amounts above 40k: 100
  • OTC withdrawal amounts below 40K: 350
  • OTC cash deposits: Free
  • Internal Transfers: Free
  • RTGS: Ksh 500
  • International transfers: 2,400
  • ATM Withdrawals: 30
  • Salary processing: 500
  • Internal Standing Orders: 200 per order
  • External Standing Orders: 200 per order

Account Access Charges (per item)

  • Debit card: 500
  • Cheque book: 675 for 50 leaves
  • Bankers cheque: 530
  • Counter cheque: 365
  • Standing order: 200

Account management (per request)

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

Penalty Charges (per instance)

  • Failed standing order: 3,000
  • Cheque ‘Refer to drawer’: 3,000

Documentation Required

  • National ID
  • Passport photo
  • T&C Link

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  • No ledger and maintenance fees
  • No Operating fees required
  • No opening balance
  • Access to debit card, internet banking and mobile banking


  • Salary processing charged ksh 500
  • OTC withdrawals charged ksh 350 for amounts less than 40k and ksh 100 for amounts above 40k

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