DTB Classic Business Account

Run your day-to-day business banking with a flexible Kenya Shilling current account that charges you when you transact rather than through a fixed monthly fee. DTB Classic Business Account has no opening amount or minimum balance and gives eligible businesses access to a debit card, cheque book, mobile banking, internet banking and e-statements.

Overview

DTB Classic Business Account is designed for sole proprietors, partnerships, companies and other eligible organisations that need a dedicated Kenya Shilling account for day-to-day business transactions.

Use the account to keep business funds separate from personal money, receive business income, manage supplier and operating payments, withdraw cash when needed and maintain a clear transaction record for your enterprise. The account uses a pay-as-you-go pricing structure: there is no fixed monthly fee, so charges arise when you use chargeable banking services.

There is no opening amount or minimum balance. Account access includes a debit card, cheque book, mobile banking, internet banking and free e-statements. If your business regularly receives or pays in foreign currency, compare the separate DTB Foreign Currency Current Accounts before choosing the account structure that best fits your cash flows.

What You Need to Open an Account

The requirements are as follows:

Certificate of Incorporation / Registration or applicable Certificate of Registration Form for the entity, including sole proprietors, clubs, societies, associations and churches where relevant.
Constitution and By-Laws for clubs, associations, societies and foundations.
Memorandum and Articles of Association for companies incorporated before 2015, or the applicable CR documents for companies incorporated under the Companies Act 2015.
Partnership Deed signed by all partners for partnerships.
Signed Board Resolution in the applicable DTB format for companies.
Entity KRA PIN Certificate.
Proof of business physical address, such as a Business Permit, Lease Agreement, utility bill showing the entity name/address, or applicable KRA document.
Latest audited or management accounts, as applicable to the business and its period of operation.
Identification, passport/immigration documents where applicable, and KRA PIN for relevant stakeholders including sole proprietors, qualifying shareholders, directors, partners and account signatories.
Practising or trading licence where applicable, including regulated professions and institutions such as lawyers, insurers, brokers, SACCOs and financial institutions.
DTB may request additional KYC, beneficial-ownership, licensing or verification documents depending on the entity type and regulatory requirements.

Benefits

Discover the advantages of banking with DTB Classic Business Account

Access to a DTB debit card, subject to the applicable tariff and account mandate.
Access to a cheque book for eligible account operations, subject to tariff.
Mobile banking access for applicable business account users and services.
Internet banking access for convenient remote account management.
Free e-statements to help track and reconcile business transactions.
Optional access to discounted emergency road ambulance services under the current account-class terms.

Features

Access a comprehensive suite of banking services and tools:

Currency: Kenya Shillings (KES).
Opening amount: Nil.
Minimum balance: Nil.
Monthly fee: No fixed monthly account fee under the pay-as-you-go proposition.
Interest rate: N/A - this is a transactional current account rather than an interest-earning savings account.
Account access: Debit card, cheque book, mobile banking, internet banking and e-statements.
Pricing approach: Charges apply when chargeable transactions or services are used.

Charges & Fees

Debit Card & ATM Charges
- Mastercard Platinum debit card: KES 500.
- Card replacement: KES 600.
- DTB ATM withdrawal: KES 30.
- Interswitch / Kenswitch ATM withdrawal: KES 70.
- Other bank ATM withdrawal: KES 200.
Other Published Charges
- Ledger / current-account transaction fee: KES 30 per entry.
- Cash handling: 0.25% on applicable cash transactions over KES 1 million per day under the current tariff.
- Cheque book: Charged as per the latest DTB tariff.
- All charges are subject to applicable taxes.

Foot Notes - Emergency Medical Services

The emergency road ambulance service is optional and currently available to Classic Business Account customers at a discounted annual fee of KES 800.
The annual fee includes ambulance emergency drugs, medical personnel, vehicle wear and tear and fuel for rescues within 30 kilometres of an E-PLUS centre, subject to the service terms.
Calls outside the 30-kilometre radius from the nearest designated ambulance location currently attract KES 85 per additional kilometre.
Waiting time beyond the first hour currently attracts KES 1,000 per additional hour.
The service is subject to the Bank's account terms and the emergency-service provider's applicable conditions.

FAQs

A business current account is a transactional bank account used to manage the day-to-day money of a business or organisation. It can help keep business income and expenses separate from personal funds, create clearer records and support routine transactions such as deposits, payments, withdrawals and cheque or digital banking activity. DTB Classic Business Account is a Kenya Shilling pay-as-you-go current account.

The account is suitable for eligible businesses and organisations that need a transactional Kenya Shilling account. DTB's Product Guide identifies partnerships, sole proprietors and corporate entities, while the live account-opening requirements also cover organisations such as clubs, societies, associations, churches and foundations.

Yes. DTB supports sole proprietors under its business-account documentation framework. A sole proprietor should provide the applicable business registration documents, personal identification and KRA PIN, proof of business address and any other KYC or financial information required by DTB.

Yes. Partnerships are an eligible target market. Current requirements include the Partnership Deed signed by all partners, registration and tax documents, identification/KRA PIN for the partners, proof of address and financial information required by DTB.

Yes. Limited companies can apply subject to DTB's company-account requirements, including incorporation documents, applicable CR documents, Board Resolution, company KRA PIN, stakeholder identification, proof of business address, financial information and any required licences.

The live DTB page includes clubs, societies, associations, churches and foundations within its entity-document requirements. The exact registration, constitution/by-laws, official/signatory and regulatory documents depend on the organisation type, so confirm the current checklist with DTB before applying.

Requirements depend on the legal structure. DTB currently asks for entity registration/incorporation documents, tax documents, proof of business address, identification/KRA PIN for relevant owners, directors, partners and signatories, applicable resolutions or partnership documents, latest audited or management accounts and any sector-specific licence. Additional KYC or beneficial-ownership documents may be required.

DTB currently publishes a nil opening amount for the Classic Business Account. You still need to complete the Bank's account-opening and verification requirements before the account is activated.

No. DTB currently publishes a nil minimum balance, so the account does not require a fixed operating balance simply to remain open.

DTB positions the account as pay-as-you-go with no fixed monthly fee. You are charged when you use services that attract transaction or service fees, such as the published KES 30 current-account transaction fee and applicable card, ATM, cheque or transfer charges.

It means the account does not charge a fixed monthly package fee just for being open; instead, charges arise when you use chargeable transactions or services. This can suit businesses whose transaction volumes vary and that prefer to pay based on actual account usage.

Yes. A business current account is designed to receive and hold business funds and support day-to-day account transactions. The exact collection method - such as bank transfer, cheque, cash deposit or a separate collections solution - depends on the payment channel you choose. DTB also offers separate business collection solutions for businesses needing more specialized payment collection.

Yes. The account is designed for day-to-day business transactions and provides cheque book, mobile banking and internet banking access. The specific payment method, transaction limit and charge depend on the channel used and the account mandate.

DTB lists debit-card access as a benefit, subject to tariff and the applicable account operating mandate. The current published Mastercard Platinum debit-card fee is KES 500, with a KES 600 replacement fee.

Yes. DTB lists cheque-book access for the Classic Business Account. Cheque-book charges and cheque-related transaction fees apply according to the current DTB Tariff Guide.

Yes. DTB lists both internet banking and mobile banking among the account-access channels, together with e-statements. For a company or organisation with multiple signatories, the available digital controls depend on the account mandate and DTB's business-banking setup.

It can be suitable for a startup that needs a separate Kenya Shilling transaction account with no opening amount, minimum balance or fixed monthly account fee. New businesses still need to meet DTB's registration, KYC and financial-information requirements. Ask DTB what management accounts or undertakings are accepted if the business is too new to have audited financial statements.

Separating business and personal money can make bookkeeping, tax documentation, cash-flow tracking and financial review clearer. It can also help a business build its own banking history and operate using the correct legal entity or business name rather than relying on an owner's personal account.

A current account is generally better for frequent payments, withdrawals and operational transactions, while a savings account is better for money the business wants to set aside and potentially earn interest on. DTB Classic Business Account is a transactional current account and currently does not earn interest.

DTB Classic Business Account is denominated in Kenya Shillings. If your business regularly receives, holds or pays in foreign currencies, compare DTB's separate Foreign Currency Current Accounts so you can choose an account structure that better matches the currencies in which your business earns and spends.

Compare opening and minimum balances, monthly or pay-as-you-go fees, transaction charges, internet and mobile banking, cheque and debit-card access, cash-handling costs, transfer options, statements, entity eligibility and the quality of business support. DTB Classic Business Account currently offers nil opening/minimum balances, no fixed monthly fee and multiple transaction channels under a pay-as-you-go structure.