Automated Teller Machines
Access cash and essential account services through DTB ATMs beyond normal branch hours. Withdraw cash, check balances and mini-statements, use selected DTB ATMs for cash deposits, or make an eligible cardless withdrawal initiated through DTB Mobile Banking. DTB customers can also access funds at Kenswitch-branded ATMs.
Overview
DTB Automated Teller Machines give eligible customers convenient access to everyday banking services without entering a branch.
Use a DTB ATM to withdraw cash from an eligible card-linked account, check your account balance or request a mini-statement. Selected DTB ATMs also support cash deposits, so customers who specifically need to deposit cash should confirm that the chosen ATM has deposit functionality before travelling.
If you do not have your physical debit card with you, DTB also supports eligible cardless withdrawals initiated through the DTB m24/7 app or USSD *382#. The digital channel generates a one-time code that is then used with the registered mobile number and withdrawal amount at a supported DTB ATM. DTB currently publishes a maximum cardless-withdrawal limit of KES 40,000 per day.
DTB is also a member of Kenswitch, allowing DTB customers to access cash at Kenswitch-branded ATMs. Different charges apply depending on whether the withdrawal is made at a DTB ATM, a PesaPoint/Kenswitch ATM or another non-DTB ATM.
Use DTB's current ATM and branch locator to identify the most convenient location. ATM availability, cash-deposit functionality and service status can vary by machine.
Benefits
Discover the advantages of banking with Automated Teller Machines
Access Beyond Branch Hours - Use ATMs for eligible everyday banking services without waiting for normal branch opening times.
Cash Withdrawal - Withdraw money from an eligible DTB account using a supported debit, prepaid or credit card, subject to the relevant card limit and fees.
Cardless Cash - Initiate an eligible withdrawal through the m24/7 app or *382# and collect cash at a supported DTB ATM using the OTP.
Account Information - Check balances and request ATM mini-statements for quick visibility of recent account activity.
Selected Cash-Deposit ATMs - Some DTB machines accept cash deposits, helping customers deposit without entering the banking hall where the functionality is available.
Kenswitch Access - DTB customers can access funds through Kenswitch-branded ATMs, subject to the current tariff.
ATM Security Controls - DTB states that its ATMs use enhanced card-reader capability and anti-skimming devices as part of ATM security.
FAQs
DTB's live Automated Teller Machines page currently states KES 100,000, while DTB's General FAQs state KES 70,000. This customer-facing limit should be confirmed and standardised by Product/Card Operations before publication. Your actual withdrawal can also be affected by available account balance, card settings and ATM cash availability.
The current DTB ATM page states a maximum withdrawal of KES 20,000 using a Prepaid Card. Applicable ATM charges, card balance and other card limits still apply.
The current DTB ATM page states a maximum withdrawal of KES 40,000 using a Credit Card. A credit-card ATM withdrawal is a cash advance and can attract the applicable cash-advance fee, interest and ATM-related charges under the current card terms.
On the DTB m24/7 app, open the menu, select Cardless Withdrawal, choose the account to debit, enter the amount and PIN, and confirm. DTB sends an OTP for use at the ATM. On USSD, dial *382#, select Move Money > Withdraw from ATM, enter the amount and PIN, then use the OTP at a supported DTB ATM. At the ATM, select Cardless Services > Cash Withdrawal, enter the 6-digit OTP, registered mobile number and amount, then confirm and collect the cash. DTB currently publishes a maximum cardless-withdrawal limit of KES 40,000 per day.
Yes. Eligible customers can initiate a cardless withdrawal through the DTB m24/7 app or USSD *382#, then use the one-time code at a supported DTB ATM. The current published cardless limit is KES 40,000 per day.
DTB's current tariff lists KES 30 per cash withdrawal at a DTB ATM, subject to applicable tax and any product-specific terms.
DTB's current tariff lists KES 70 per cash withdrawal at a PesaPoint/Kenswitch ATM, subject to applicable tax.
DTB's current tariff lists KES 200 per cash withdrawal at a non-DTB ATM outside the listed PesaPoint/Kenswitch category, subject to applicable tax and network availability.
Yes. DTB is a Kenswitch member and states that customers can access funds at Kenswitch-branded ATMs. The current DTB tariff applies a separate Kenswitch/PesaPoint withdrawal charge.
Yes, subject to card-network acceptance, card settings, limits and the ATM operator/network. DTB publishes different fees for DTB, PesaPoint/Kenswitch and other non-DTB ATM withdrawals.
Yes. Balance enquiry is one of the core services DTB lists for its ATM network. Follow the ATM prompts after inserting or presenting the supported card and authenticating with your PIN.
Yes. DTB ATMs support mini-statements, and DTB's current tariff lists ATM mini-statements as free.
Some DTB ATMs support cash deposits. The live page does not state that every ATM has deposit functionality, so confirm that the ATM you plan to use is cash-deposit enabled before travelling specifically to make a deposit.
Use DTB's current branch/ATM locator and, where deposit capability is not shown clearly, confirm with DTB before travelling. Cash-deposit functionality is available only on selected ATMs.
Use DTB's Find DTB / branch and ATM locator and search by the area you are in. Locations and service availability can change, so the live locator is the best source for current access points.
ATMs generally provide access beyond normal banking hours, but physical access can depend on the ATM location, building or mall opening hours, security arrangements, maintenance and service availability. Check the specific location if you need access very early or late.
Keep the ATM receipt if one is produced and note the ATM location, date, time and amount. Check your account status, then contact DTB promptly through its official support channels so the transaction can be traced. Avoid repeating the same withdrawal immediately if you are unsure whether the first transaction completed.
Contact DTB promptly through its official customer-support channels and follow the Bank's instructions for blocking, retrieval or replacement. Do not leave the card unreported. If the card was retained at another bank's ATM, also follow that ATM operator's onsite guidance while notifying DTB.
Do not keep guessing the PIN because repeated incorrect attempts can block or retain the card. Contact DTB through its official support or branch channels to follow the current PIN-management or card-replacement process.
Use ATMs in secure, well-lit locations, shield the keypad when entering your PIN, do not accept help from strangers, inspect the card slot for anything unusual and keep your cash/receipt secure. DTB states that its ATMs use enhanced card readers and anti-skimming devices, but customers should still protect their PIN and remain alert.
Skimming is the illegal capture of card information using a device placed on or near an ATM card reader, sometimes combined with attempts to capture the PIN. Inspect the machine, shield your PIN, avoid suspicious attachments, enable account alerts and contact DTB immediately if you notice unusual card activity.
Possible causes include an incorrect PIN, insufficient funds, card or account limits, an expired/blocked card, network downtime, ATM cash availability or restrictions on the account. Try another DTB ATM if appropriate and contact DTB if the issue persists or the card is retained.
The current DTB Automated Teller Machines page does not publish foreign-currency cash withdrawal functionality. Do not assume a DTB ATM dispenses foreign currency. Contact DTB for the appropriate foreign-currency cash withdrawal option.
The current ATM product page does not publish PIN-change functionality. Use the current card or digital-banking instructions provided by DTB or contact the Bank to confirm the supported PIN-management channel for your card.
DTB publishes cardless withdrawal as an ATM service but does not state that every machine has identical functionality. Use a supported DTB ATM and follow the current on-screen Cardless Services option; if the option is unavailable, use another supported location or contact DTB.
The current public ATM page does not publish the OTP validity period. Initiate the withdrawal when you are ready to collect the cash and follow the expiry instructions shown in the app/USSD message. If the code expires, use the current DTB process to initiate a new cardless withdrawal rather than guessing.
The amount entered at the ATM should match the amount initiated through Mobile Banking. If the details do not match, the withdrawal may fail. Check the original request and use the correct amount and registered mobile number before retrying.
An ATM is designed for convenient self-service cash access within the applicable card or cardless limits, while over-the-counter withdrawal can be relevant when the amount or account requirements cannot be handled at an ATM. Compare the amount needed, current fees, card/ATM limits and branch availability before choosing.
Compare ATM network coverage, withdrawal fees, daily limits, cardless withdrawal, cash-deposit availability, security controls, other-network access, locator accuracy and support when a transaction fails. DTB combines its own ATM network, selected cash-deposit ATMs, Kenswitch access and eligible cardless withdrawals under its current digital-banking proposition.
