DTB Diaspora Just4me Account

Save for your child's education and future in Kenya while living abroad with the DTB Diaspora Just4me Account. Designed for children and managed through a parent or legal guardian, the account is available in KES, USD and GBP, with no opening balance, minimum balance or monthly fee. Eligible KES and USD balances earn interest at DTB's prevailing rates.

Overview

DTB Diaspora Just4me gives parents and legal guardians living abroad a dedicated account for building savings for their children in Kenya.

The account is available in KES, USD and GBP, with no opening balance, minimum balance or monthly fee. Interest is credited half-yearly, with DTB currently publishing prevailing interest for local-currency balances and USD balances.

To help with planned family expenses, the account also provides one free withdrawal and one free banker's cheque per quarter under the current product terms.

What You Need to Open an Account

The requirements are as follows:

National ID for the Kenyan parent.
KRA PIN Certificate for the Kenyan parent.
W-9 documentation for parents residing in the United States.
Birth Certificate of the minor.
One passport-size photograph for the parent and one for the child.
DTB may request additional customer due-diligence or verification documents where required by applicable banking and regulatory requirements.

Benefits

Discover the advantages of banking with DTB Diaspora Just4me Account

One free withdrawal and one free banker's cheque per quarter under the current product terms.
Access to selected DTB insurance products, including last expense, travel insurance and medical insurance for family members back home, subject to the terms and eligibility of the relevant insurance product.
Interest on eligible local-currency balances at DTB's prevailing rate.
Interest on eligible USD balances at DTB's prevailing foreign-currency rate.
Interest is credited half-yearly.

Features

Access a comprehensive suite of banking services and tools:

Available currencies: Kenya Shillings (KES), US Dollars (USD) and Great Britain Pounds (GBP).
Opening balance: Nil.
Minimum balance: Nil.
Monthly fee: Nil.
Interest: LCY at prevailing rates; USD only among the currently published FCY options at prevailing rates.
Account and information access: Mobile banking, internet banking and e-statements, subject to existing tariffs and applicable channel terms.
Account purpose: Building savings for a child's education and other future needs.

FAQs

A diaspora children's savings account helps a parent or legal guardian living abroad build savings for a child in Kenya. DTB Diaspora Just4me is designed for children and allows eligible families to save in KES, USD or GBP, with no published opening balance, minimum balance or monthly fee.

A dedicated children's account can help you separate education savings from everyday money. DTB Diaspora Just4me lets you build savings for your child while abroad, and the current product includes one free withdrawal and one free banker's cheque per quarter, which can be useful when planned education expenses become due.

Yes. The account is designed to help parents and legal guardians save for their children's future, so it can support longer-term education goals as well as nearer-term school costs. Start early and save consistently based on the amount and timing of the future expense.

DTB Diaspora Just4me is specifically part of DTB's Diaspora Banking offering. You will need to meet the published parent and child documentation requirements and DTB's customer-verification process. Contact the Diaspora Banking team for the current account-opening procedure from your country of residence.

DTB currently lists the Kenyan parent's National ID and KRA PIN Certificate, the child's Birth Certificate, and one passport-size photograph for both parent and child. Parents residing in the United States must also provide W-9 documentation.

Yes. DTB specifically lists W-9 documentation as applicable to parents residing in the United States. Ask DTB for the current form, certification and any additional FATCA or tax-residency documentation required.

The account is currently available in KES, USD and GBP. This can help parents align savings with the currency they receive or the future expenses they expect to meet.

Yes. DTB states that interest is credited half-yearly. The live page currently publishes prevailing interest for local-currency balances and for USD only among the foreign-currency options. Contact DTB for the current applicable rate.

The current DTB product page does not state that GBP balances earn interest; it lists USD only for foreign-currency interest. If you plan to save mainly in GBP and interest is important, confirm the latest rate treatment with DTB before opening or funding the account.

DTB currently publishes a nil opening balance and nil minimum balance. This allows eligible parents to start a dedicated child savings account without maintaining a fixed minimum operating balance.

No. DTB currently publishes a nil monthly fee for the account. Channel tariffs and other service charges may still apply when you use specific banking services.

DTB currently provides one free withdrawal per quarter, equivalent to up to four free withdrawals in a year if the benefit is used each quarter. Confirm any charges for additional withdrawals with DTB.

DTB currently provides one free banker's cheque per quarter. The live page does not expressly state that the cheque must only be used for school fees, so confirm the current usage conditions with DTB before requesting one.

DTB lists mobile banking and internet banking as account-information channels for Diaspora Just4me, subject to existing tariffs and applicable digital-banking terms. Confirm the parent or guardian mandate and the transactions available through each channel.

Choose Diaspora Just4me when the savings are specifically for a child and you value a child-focused account with quarterly withdrawal and banker's-cheque benefits. Choose the general Diaspora Savings Account when you are saving for your own goals such as property, retirement or an emergency fund.

Choose based on where your income comes from and the currency of the future expense. KES may suit school fees and other Kenya Shilling costs, while USD may suit families paid in dollars or expecting future USD expenses. DTB currently publishes interest on both local-currency and USD balances. Exchange rates can move in either direction.

Compare currencies, opening and minimum balances, monthly fees, interest rates, withdrawal rules, school-fee payment support, digital access, parent/minor documentation and customer support from abroad. DTB Diaspora Just4me offers KES, USD and GBP, nil opening and minimum balances, nil monthly fee, half-yearly interest crediting, and quarterly free withdrawal and banker's-cheque benefits under the current terms.