Download interest rates and bank charges for personal

INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES)
Savings Account (%)
SNo. BANK
Less than K1,000
More than
K1,000
Time Deposits of K10,000 or above (%)
30 Days
Tenure
60 Days Tenure
90 Days Tenure
180 Days Tenure
360 Days Tenure
1
AB Bank Zambia Limited
6.00
6.00
9.00
10.00
12.00
14.00
upto 364 days
17%, 365 days
and above 20%
2
Access Bank Zambia Limited
3.00
4.00
16.75
17.00
17.25
17.50
18.50
3
BancABC Zambia Limited
2.00
2.00
5.00
5.50
6.50
6.65
7.00
4
Bank of China Zambia Limited
5
Barclays Bank Zambia Plc
NIL
1.50
NIL
various
0.10
6.00
0.10
NIL
0.10
8.00
0.20
10.50
0.30
12.00
6
Cavmont Bank Limited
3.00
3.00
3.00
4.00
5.00
5.50
8.00
7
Citibank Zambia Limited
N/A
N/A
Max. 12.00
Max. 12.00
Max. 12.00
Max. 12.75
Max. 14.50
8
Ecobank Zambia Limited
3.00
3.00
9.80
10.80
11.60
12.80
14.90
9
Finance Bank Zambia Limited
2.00
2.00
5.00
5.50
6.50
6.65
7.00
3.00
3.00
N/A
N/A
N/A
6.00
6.00
3.00
3.00
11.00
12.00
13.00
14.25
15.50
2.50
4.00
4.50
5.00
6.00
7.00
10
11
12
First Alliance Bank Zambia
Limited
First Capital Bank Zambia
Limited
First National Bank Zambia
Limited
13
Indo-Zambia Bank Limited
3.50
2.50
3.5% to 6%
based on
Account Type
5.00
5.00
6.00
7.00
8.00
14
Intermarket Banking Limited
15
Investrust Bank Plc
3.00
3.00
5.00
7.00
8.00
9.50
10.50
16
Stanbic Bank Zambia Limited
NIL
1.50
13.00
13.50
14.00
14.50
16.00
2.00
3.00
8.00
9.00
10.00
10.00
10.00
11.00
11.00
12.00
13.00
15.00
2.00
8.00
8.00
11.00
12.00
13.50
17
18
19
Standard Chartered Bank Zambia
1.00
Plc
United Bank for Africa (Z) Limited3.00
Zambia National Commercial
2.00
Bank Plc
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
AVERAGE LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES )
SNo.
BANK
BOZ Policy Rate
(BPR (%)
PERSONAL LOANS (%)
Other Loans
Salary Backed
Margin above
BOZ Rate
Lending
Interest Rate
Margin above BOZ
Rate
MORTGAGE LOANS (%)
Lending Interest
Rate
Margin above BOZ
Rate
Lending Interest
Rate
LENDING TO SMEs (%)
Margin above BOZ
Rate
Lending Interest
Rate
1
AB Bank Zambia Limited
14.00
23.90
24.04
N/A
N/A
N/A
N/A
62.79
77.54
2
Access Bank Zambia Limited
14.00
13.88
28.88
13.88
28.88
N/A
N/A
17.74
32.74
19.00 (maxium
margin)
33.00 (Policy rate plus
margin)
N/A
N/A
19.00 (maxium margin)
33.00 (Policy rate plus
margin)
3
BancABC Zambia Limited
14.00
19.00 (maxium
margin)
33.00 (Policy
rate plus
margin)
4
Bank of China Zambia Limited
14.00
0-15.50
16.00
0-15.50
16.00
0-15.50
16.00
0-15.50
16.00
5
Barclays Bank Zambia Plc
14.00
16.00
30.00
N/A
N/A
13.00
27.00
N/A
N/A
6
Cavmont Bank Limited
14.00
19.50
34.50
19.50
34.50
19.50
34.50
19.50
34.50
7
Citibank Zambia Limited
14.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
8
Ecobank Zambia Limited
14.00
19.50
35.00
19.50
35.00
N/A
N/A
19.50
35.00
9
Finance Bank Zambia Limited
14.00
19.00 (maxium
margin)
33.00 (Policy
rate plus
margin)
19.00 (maxium
margin)
33.00 (Policy rate plus
margin)
N/A
N/A
19.00 (maxium margin)
33.00 (Policy rate plus
margin)
10
First Alliance Bank Zambia
Limited
15.50
9.00
22.00
9.00
22.00
N/A
N/A
9.00
22.00
11
First Capital Bank Zambia
Limited
14.00
22.00
36.00
22.00
36.00
NIL
NIL
22.00
36.00
12
First National Bank Zambia
Limited
15.50
8.75
20.50
Incl Above
Incl Above
6.40
16.00
11.00
20.50
13
Indo-Zambia Bank Limited
14.00
20.50
34.50
20.50
34.50
20.50
34.50
21.50
35.50
14
Intermarket Banking Limited
14.00
15
Investrust Bank Plc
14.00
25.00
39.00
25.00
39.00
N/A
N/A
25.00
39.00
16
Stanbic Bank Zambia Limited
14.00
24.50
38.50
24.50
38.50
14.50
28.50
23.00
37.00
17
Standard Chartered Bank Zambia
14.00
Plc
17.00
31.00
16.00
30.00
12.00
26.00
16.00
30.00
18
United Bank for Africa (Z) Limited14.00
10.00
24.00
NIL
NIL
5.00
19.00
17.50
31.50
19
Zambia National Commercial
Bank Plc
18.49
33.25
21.50
36.25
15.50
30.25
17.59
32.34
14.75
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
MONTHLY MAINTENANCE FEES, MINIMUM BALANCE AND PENALTY FEES FOR BALANCES BELOW MINIMUM
MONTHLY MAINTENANCE FEES (ZMW)
MINIMUM BALANCE (ZMW)
SNo.
BANK
Current Account
Basic Type
High-end
Market Type
Savings Account
Basic Type
High-end Market
Type
Basic Type
PENALTY FEES FOR BALANCES BELOW
MINIMUM (ZMW)
High-end Market
Type
Basic Type
High-end Market
Type
1
AB Bank Zambia Limited
NIL
NIL
NIL
NIL
NIL
NIL
NIL
NIL
2
Access Bank Zambia Limited
30.00
100.00
30.00
30.00
15.00
50.00
NIL
50.00
3
BancABC Zambia Limited
40.00
N/A
20.00
N/A
50.00
N/A
N/A
N/A
4
Bank of China Zambia Limited
25.00
25.00
25.00
25.00
500.00
500.00
75.00
75.00
5
Barclays Bank Zambia Plc
55.00
300.00
30.00
NIL
500.00
200,000.00
5.00 PER DAY
5.00 PER DAY
6
Cavmont Bank Limited
70.00
100.00
35.00
80.00
30.00
2,000.00
30.00
7
Citibank Zambia Limited
NIL
NIL
NIL
NIL
N/A
N/A
N/A
N/A
8
Ecobank Zambia Limited
50.00
200.00
15.00
NIL
50.00
1,000.00
9
Finance Bank Zambia Limited
NIL
N/A
20.00
N/A
50.00
1,000.00
20.00 per incident
100.00 per incident
10
First Alliance Bank Zambia
Limited
N/A
N/A
N/A
250.00 INDIVIDUAL,
1,000.00 CORPORATE
NIL
15.00
N/A
11
First Capital Bank Zambia
Limited
ZMW 25.00 PER
MONTH WHERE MIN
BAL OF USD 1,000 IS
NOT MAINTAINED.
100.00
100.00
50.00
50.00
NIL
5,000.00
500.00
500.00
12
First National Bank Zambia
Limited
25.00
120.00
12.00
N/A
50.00
N/A
N/A
N/A
13
Indo-Zambia Bank Limited
100.00
NIL
5.00
30.00
40.00
500.00
25.00
25.00
14
Intermarket Banking Limited
15
Investrust Bank Plc
100.00
N/A
30.00
N/A
30.00
N/A
20.00
N/A
16
Stanbic Bank Zambia Limited
63.00
300.00
NIL
2.00
60.00
NIL
NIL
NIL
17
Standard Chartered Bank Zambia
50.00
Plc
60.00
50.00
50.00
500.00
SAVINGS 1,500.00
CURRENT 500.00
50.00
50.00
18
United Bank for Africa (Z) Limited30.00
55.00
5.00
10.00
20.00
7,500.00
NIL
NIL
19
Zambia National Commercial
Bank Plc
50.00 Personal, 40.00 Personal, 50.00 Personal, 95.00 50.00 Personal,
K100.00 SME
80.00 SME
SME
500.00 SME
750.00 for Personal,
1,200.00 for SME
50.00 per
occurrence
50.00 or equivalent for
Personal & 100.00 or
equivalent for SME
5
N/A
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
WITHDRAWAL, ATM AND DEPOSIT, BALANCE INQUIRIES AND FUNDS TRANSFERS
SNo. BANK
WITHDRAWAL (ZMW)
ATM Per Transaction
Over the counter
Own Bank
1
AB Bank Zambia Limited
2
Access Bank Zambia Limited
0.30%, 4 Withdraws on
Saving Acc free, 0.60%
bulk cash withdrawls on
Current Acc & 0.65%
on Savings Acc
6.00
3
BancABC Zambia Limited
4
Bank of China Zambia Limited
20.00
5
6
7
8
9
Citibank Zambia Limited
Inward Clearance
Internal
N/A
5.00
5.00
N/A
N/A
10.00
5.00
NIL
NIL
NIL
NIL
30.00
NIL
NIL
NIL
0.60% MIN. USD
30, MAX USD130
(Shared), + USD 25
CORRESPONDENT
BANK FEE
NIL
1% Min USD30, Max
USD 250
NIL
12
13
Indo-Zambia Bank Limited
14
Intermarket Banking Limited
15
Investrust Bank Plc
16
Stanbic Bank Zambia Limited
USD 50.00
SWIFT and
ZMW75.00 RTGS
N/A
N/A
N/A
N/A
50.00
N/A
NIL
NIL
70.00
NIL
USD7.00 or kwacha
equivalent
1% min zmk 151.5
(includes USD 15 swift
charge)
NIL
0.8%, MIN
USD30.00, MAX
250.00
1% min zmk
151.5 (includes
USD 15 swift
charge)
1% (Minimum
USD30, Maximum
USD150)
N/A
N/A
N/A
N/A
50.00
5.00
7.00
20.00
NIL
NIL
NIL
20.00
FCY only 1.5% min
USD15.00
5.00
10.00
10.00
N/A
N/A
N/A
N/A
50.00
N/A
N/A
N/A
N/A
NIL
NIL
NIL
NIL
20.00
NIL
58.00
2.00
9.00
11.00
NIL
NIL
NIL
NIL
1% Min USD30.00,
Max USD100
NIL
0.75% Min $20
MAX $150
1% Min
USD30.00, Max
USD100
OTWARD TT's USD
35.00, INWARD TT's
USD 10.00 PLUS
CORRESPONDENT
FEE
7.00
7.00
10.00
BUREAUS 0.2%; OTHERS
NIL FOR AMOUNTS UP TO
150,000.00; ABOVE
150,000.00 CHARGE IS
150.00
NIL
NIL
NIL
50.00
NIL
NIL
NIL
NIL
50.00
NIL
N/A
N/A
NIL
60.00
5.00
NIL
NIL
5.00
7.50
25.00
10.00
3.00
N/A
N/A
130.00
7.50
19.50
32.50
N/A
NIL UP TO 5,000
THEREAFTER 0.25%
OF VALUE
NIL
NIL
NIL
FREE UPTO K50,000
(K3.00 PER K5,000.00
OR PART THEREOF
MAX K150.00)
30.00
6.00
12.00
25.00
40.00
8.00
15.00
25.00
0.0 (100.00 - WITHIN
ATM LIMIT)
Standard Chartered Bank Zambia
Plc
100.00
United Bank for Africa (Z)
Limited
NIL
Zambia National Commercial
Bank Plc
1% Min USD30,
Max USD 250
1% OF TRNSACTION
Finance Bank Zambia Limited
First Alliance Bank Zambia
Limited
Telegraphic
Outwards Clearance
0.15% MIN.K10.00:
MAX K100.00
Ecobank Zambia Limited
First National Bank Zambia
Limited
19
Other Banks
Cavmont Bank Limited
First Capital Bank Zambia
Limited
18
Own Bank
Over The Counter
Electronic
Barclays Bank Zambia Plc
11
17
International
FUNDS TRANSFERS (ZMW)
DEPOSIT (ZMW)
Cheque
0.05% if amount more
than 200,000.00
NIL
30.00
10
Other banks
Cash
100.00
7.00
NIL
N/A
N/A
N/A
100.00
500.00
150.00
BRANCH 60.00;
1% OF VALUE OR
ELECTRONIC
MIN 190.00
3.00
DDACC (INDIVIDUALS
FREE, OTHERS
NIL
K25.00) AND RTGS
K40.00
NIL
0.5% OF T.T AMT
MIN USD60 MAX
USD250
N/A
0.5% OF
AMOUNT, MIN
USD20, MAX
USD150 PLUS
SWIFT CHARGE
USD30
500.00
1.2% MIN 55.00;
MAX 70.00 PLUS VAT
7.00
11.00
17.00
NIL
NIL
NIL
NIL
30.00
55.00
8.00
N/A
25.00
NIL
NIL
NIL
NIL
1% MIN 50.00, MAX
250.00
NIL
1% MIN USD 50.00,
MAX USD250
3.00
13.00
15.00
NIL
NIL
NIL
NIL
35.00
NIL
0.5% MIN 50.00;
MAX 130.00
10.00 Personal
SME 15.00
15.00 + 1.5% , max
50.00 for Personal,
15.00 + 1.5% max
50.00 for SME
NA
DDACC 50.00 for
Personal & SME
RTGS 50.00 for
Personal & SME
Electronic (payflexi)
15.00 for SME
0.75% of
amount,min $45,
max $150 or
10.00 for
ZMW equivalent
personal, 5.00 for Personal &
for SME
SME
50.00 for Personal
SME Savings & Savers
monthly 4 free withdrawal
50.00 for extra withdrawals
Excessive encashment of
25,000.00 and above =
250.00 plus 0.2% for
amount above 25,000.00
plus VAT for both Personal
8.00 Personal,
& SME
9.00 SME
10.00 for personal;
free for Personal & SME 10.00 for SME
free for Personal &
SME
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
PAYMENTS FOR OTHER SERVICES AND UNPAID CHEQUES
PAYMENTS FOR OTHER SERVICES
SNo.
BANK
Certificate of Balance
1
AB Bank Zambia Limited
2
Access Bank Zambia Limited
3
N/A
UNPAID CHEQUES (ZMW)
Interim
statements per
page
Bankers'
cheque
Stop cheque
payment
60.00
120.00
25.00
Standing order
NIL
NIL
Duplicate
statement per
page
25.00 Standard
Bank of China Zambia Limited
5
Barclays Bank Zambia Plc
6
Cavmont Bank Limited
7
Citibank Zambia Limited
8
Ecobank Zambia Limited
Drawing against
uncleared effects
BOZ Charges
N/A
N/A
50.00
NIL
510.00 (individual)
and 840.00
(Corprates)
NIL
1% of amount
drawn, Min
K300.00
250.00
80.00
80.00
150.00
30.00
100.00
200.00
20.00
75.00
N/A
15.00
510.00 Individual and
840.00 Corprates
NIL
Min 1,000.00
NIL
NIL
20.00
20.00
5.00
NIL
NIL
NIL
350.00
NIL
20.00 per page
20.00 per page
510.00
510.00
840.00
(companies)
510.00
(individuals)
Not authorised
200.00
N/A
250.00
75.00
Customer 70.00
;Non-customer
200.00
80.00 per item
50.00 per page
840.00 (companies)
510.00 (individuals)
200.00
70.00
104.00
150.00
20.00
30.00
30.00
10.00
100.00
N/A
30.00
NIL
20.00
20.00
20.00
20.00
NIL
840.00
(corporate)
N/A
175.00
70.00
90.00
120.00
65.00
15.00
30.00
15.00
510.00
750.00
250.00
150.00
60.00
25.00
30.00 BELOW 6
MONTHS 50,00
ABOVE 6 MONTHS
20.00
340.00
340.00
250.00 PLUS
INTEREST
25.00
50.00
10.00
10.00
N/A
510.00 INDIVIDUAL
840.00 CORPORATE
NIL
NIL
80.00 FOR FBZ
CUSTOMERS;
100.00 FOR NONFBZ CUSTOMERS
Finance Bank Zambia Limited
50.00
N/A
11
First Capital Bank Zambia
Limited
250.00
150.00
60.00
150.00
60.00
50.00
50.00
12
First National Bank Zambia
Limited
110.00
70.00
165.00
60.00 online and
275.00 FNB Branch
Free Online and 33.50
FNB Branch
45.00
45.00
13
Indo-Zambia Bank Limited
14
Intermarket Banking Limited
15
Investrust Bank Plc
16
Stanbic Bank Zambia Limited
17
Standard Chartered Bank Zambia
Plc
18
United Bank for Africa (Z)
Limited
20.00 FOR 25
LEAVES, 75.00
FOR 100 LEAVES
First Alliance Bank Zambia
Limited
Zambia National Commercial
Bank Plc
Uncleared
effects
N/A
60.00
19
Refer to Drawer
80.00 with Police
report, 350.00 without
Police report
20.00
150.00
10
Photocopying per
page
BancABC Zambia Limited
4
9
60.00
Replacement
of lost ATM
card
840.00
10.00 per page
N/A
5%
510.00
510.00
AS PER ZECHL
PREVAILING
RULES
405.00
1000.00
100.00
250.00
50.00
30.00 per page
30.00 per page
5.00/- per page
AS PER ZECHL
PREVAILING RULES
200.00
50.00 Plus VAT
8.00
100.00 + VAT
16.00
350.00
40.00
40.00
50.00
10.00
504.00
420.00
95.00
198.00
550.00
28.00
60.00
60.00
45.00
AS PER STATUTORY
INSTRUCTION
504.00
AS PER
STATUTORY
INSTRUCTION
1% MIN 160.00,
MAX 500.00
1000.00
150.00 PER OCCASION 100.00/-Card
100.00
100.00
100.00
300.00
20.00
100.00
100.00
N/A
510.00 INDIVIDUAL &
840.00 NON INDIVIDUAL
510.00
INDIVIDUAL &
K840.00 NON
INDIVIDUAL
150.00
70.00
65.00
150.00
NIL
20.00
20.00
10.00
560.00
560.00
200.00 plus VAT for
Personal & SME
60.00 plus VAT
100.00 per
200.00 plus VAT for
for Personal :
Free for Personal &
cheque for
Personal, 300.00 plus
100.00 plus VAT
SME
Personal & SME VAT for SME
for SME
50.00 plus VAT per
statement for
Personal & 100.00
plus VAT per
statement for SME
50.00 plus VAT per
statement for
Personal & 100.00 NA
plus VAT per
statement for SME
510.00 per item for
Personal, 840.00 per NA
item for SME
N/A
NIL
NA
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
LEDGER FEES PER ENTRY, INTERNET AND TELEPHONE BANKING
LEDGER FEES PER ENTRY (ZMW)
SNo.
BANK
Current Account
Debits
1
AB Bank Zambia Limited
2
Access Bank Zambia Limited
3
BancABC Zambia Limited
4
Bank of China Zambia Limited
5
Barclays Bank Zambia Plc
6
INTERNET AND TELEPHONE BANKING
Savings Account
Credits
Debits
INTERNET
Monthly
Maintenance
Credits
Own Bank's
Platform
Other Banks'
Platform
TELEPHONE BANKING
Other Banks'
Platform
Own Bank's Platform
NIL
NIL
NIL
NIL
N/A
N/A
N/A
N/A
N/A
NIL
NIL
4.00
NIL
NIL
NIL
25.00
NIL
NIL
N/A
N/A
N/A
N/A
NIL
N/A
NIL
NIL
NIL
NIL
NIL
0.8% USD30USD250（TT）/ZM
W60 （RTGS）
N/A
NIL
NIL
0.8% USD30USD250（TT）/ZMW
60 （RTGS）
N/A
N/A
NIL
NIL
NIL
NIL
NIL
NIL
5.00
NIL
5.00
Cavmont Bank Limited
6.00
N/A
6.00
N/A
N/A
N/A
50.00
N/A
N/A
7
Citibank Zambia Limited
NIL
NIL
N/A
N/A
NIL
NIL
NIL
NIL
NIL
8
Ecobank Zambia Limited
NIL
NIL
NIL
NIL
NIL
NIL
9
Finance Bank Zambia Limited
5.00 per debit entry,
minimum 50.00
N/A
NIL
N/A
NIL
2.00
10.00
N/A
N/A
10
First Alliance Bank Zambia
Limited
3.00 ZMW EXCEEDING
5.00 DEBITS
NIL
NA
NA
45.00
NIL
N/A
N/A
N/A
11
First Capital Bank Zambia
Limited
500.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
12
First National Bank Zambia
Limited
20.00
NA
First FNB ATM
NIL
Withdrawal
Free, Thereafter
NIL
3.50
8.00
8.00
N/A
25.00 & 40.00
depending on
amount
NIL
NIL
NIL
NIL
NIL
NIL
60.00 per annum
Savings and120.00 per
annum Current
NIL
N/A
N/A
N/A
N/A
10.00
50.00
NA
5.00
50.00
1.2% min ZMW6.00
max ZMW28.00 per
debit
NIL
NIL
NIL
NIL
NIL
NIL
N/A
N/A
N/A
N/A
NA
NA
Indo-Zambia Bank Limited
13
14
Intermarket Banking Limited
15
Investrust Bank Plc
16
Stanbic Bank Zambia Limited
17
Standard Chartered Bank Zambia
Plc
18
United Bank for Africa (Z)
Limited
19
Zambia National Commercial
Bank Plc
50.00
NIL
5.00
NIL
NIL
NIL
1% MIN 50.00,
MAX 250.00
NIL
NIL
NIL
NIL
25.00
NIL
0.50
NA
NA
NA
NA
free for Persoanl & SME
6.00 for Personal &
SME
20.00 for Personal
& SME
100.00 and below = 4.00
Above 100.00 to 250.00 =
5.00, Above 250.00 to
500.00 =6.00, Above
500.00 to 2000 =7.00
Above 2000 =9.50
Transfers to other
banks 20.00
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 31 MARCH 2017
GENERAL CHARGES, ACCOUNT CLOSURE AND DORMANT ACCOUNTS
ACCOUNT
CLOSURE/DORMA
GENERAL CHARGES (ZMW)
SNo.
Balance Inquires
BANK
Own Bank's ATM
1
AB Bank Zambia Limited
2
ACCESS
3
BancABC Zambia Limited
4
Bank of China Zambia Limited
5
Barclays Bank Zambia Plc
6
Cavmont Bank Limited
7
Citibank Zambia Limited
8
Ecobank Zambia Limited
9
10
Finance Bank Zambia Limited
First Alliance Bank Zambia
Limited
11
First Capital Bank Zambia
Limited
12
First National Bank Zambia
Limited
Other Bank's
ATM
Overdrawn Account
Over the
Counter
Mobile Banking
Interest charge (%)
Dormant per
month
Indo-Zambia Bank Limited
Intermarket Banking Limited
15
Investrust Bank Plc
16
Stanbic Bank Zambia Limited
17
Standard Chartered Bank Zambia
Plc
18
United Bank for Africa (Z)
Limited
19
Zambia National Commercial
Bank Plc
Reactivation
N/A
FREE
N/A
N/A
20.00
60.00 Current Acc,
other free
NIL
NIL
NIL
NIL
NIL
45%
ledger fees
100.00
20.00
1.50
1.50
NIL
NA
3.1%...
30.00
50.00
NIL
N/A
N/A
NIL
N/A
N/A
25.00
50.00
NIL
NIL
NIL
NIL
NIL
25%
40.00
NIL
N/A
0.50
0.50
N/A
N/A
Applicable maintenance
fee/ account type
75.00
N/A
N/A
N/A
NIL
N/A
500 Per incident
Min BPR 14% plus
11%, Max BPR plus
margin of 16.5%
NIL
NIL
NIL
NIL
1.20
2.50
1.20
Policy Rate + margin
200.00
50.00
33%
NIL
Closure of account
within six months of
opening account K100.00; More than
six months - K0.00
K0.00 / full recovery of
debit balance
NIL
50.00
NIL
NIL
100.00
100.00
3.00
N/A
15.00
NIL
3.00
5.00
NIL
NA
N/A
N/A
N/A
N/A
45%
NIL
5.00
12.50
NIL
MPC 15.5% + 25.5% =
41%
Standard rates apply NA
13
14
Closure
N/A
41.5%
NIL
NIL
NIL
NIL
NIL
18.25%
50.00
100.00
NA
N/A
BPR+15.5%
NIL
NIL
NIL
50.00
150.00
NIL
NIL
80.00
NIL
100.00 for
Personal, 100.00
for SME, foreign
currency accounts170.00 for
Personal, 100.00
for SME
free for Personal & SME
NIL
3.00
NIL
NIL
2.00
7.00
5.00
2.00
NIL
NA
20.00
NIL
N/A
NIL
NIL
30% FOR INDIVIDUAL &
30.00% FOR NON
INDIVIDUAL
NIL
NIL
NIL
NA
0.18%
2.50 for Personal and
3.00 SME
4.00 for
Personal and
5.00 SME
20.00 for ATM
eligible
accounts. Free
for others
NA
40.00 Savings and
100.00 current
2.00 for Personal
BOZ Policy rate +
margin, USD Base rate NA for Personal &
+ margin for Personal SME
& SME
100.00 Savings and
150.00 current