DTB Foreign Currency Current Accounts

Receive, hold and transact in foreign currencies through a DTB business current account designed for businesses with international income or expenses. Available in USD, EUR, GBP and 10 other currencies, with no opening amount or minimum balance, no monthly fee, no ledger fees, cheque-book access, internet banking and free e-statements. Eligible USD balances earn interest at DTB's prevailing rate.

Overview

DTB Foreign Currency Current Accounts are designed for sole proprietors, partnerships and companies that regularly receive, hold or pay money in currencies other than Kenya Shillings.

They can be useful for exporters receiving foreign-currency sales, importers paying overseas suppliers, tour and hospitality businesses paid by international customers, professional-services firms billing overseas clients, NGOs and organisations receiving foreign-currency funding, and other businesses whose income or expenses are denominated in USD, EUR, GBP or another supported currency.

Keeping business funds in the currency in which they are earned or needed can reduce the need to convert every receipt immediately into Kenya Shillings. You can then convert or transfer funds when your business requires it, subject to DTB's prevailing exchange rates, remittance charges and transaction terms.

The accounts have no opening amount or minimum balance and no monthly or ledger fee. They do not come with a debit card, but support cheque-book access, internet banking and e-statements. USD balances currently earn interest credited monthly at DTB's prevailing rate; other supported currencies are not currently published as interest earning.

Benefits

Discover the advantages of banking with DTB Foreign Currency Current Accounts

No ledger fees.
No monthly account-maintenance fee under the current product proposition.
Free periodic e-statements for easier business reconciliation and record keeping.
Interest is calculated and credited monthly on eligible USD balances only; contact DTB for the current rate and eligibility terms.
Access to internet banking for applicable business account services.
Ability to hold and transact in a wide range of currencies so the account can better match international business receipts and expenses.
No debit card is currently offered on this product.

Account Features

Available currencies: US Dollar (USD).
Euro (EUR).
Great Britain Pound (GBP).
United Arab Emirates Dirham (AED).
Australian Dollar (AUD).
Burundian Franc (BIF).
Indian Rupee (INR).
Japanese Yen (JPY).
Ugandan Shilling (UGX).
South African Rand (ZAR).
Swiss Franc (CHF).
Canadian Dollar (CAD).
Renminbi / Chinese Yuan (CNY).
Opening amount: Nil.
Minimum balance: Nil.
Account access: Cheque book, internet banking and e-statements.
Debit card: Not available under the current product terms.
Interest: USD only, calculated and credited monthly at prevailing rates.

FAQs

A business foreign currency current account lets a business receive, hold and transact in a currency other than Kenya Shillings. DTB supports USD, EUR, GBP and 10 other currencies for eligible business customers, helping businesses match their bank account currency to international income or expenses.

It can be useful for businesses that regularly receive or make foreign-currency payments, including exporters, importers, tour and hospitality companies, professional-services firms with overseas clients, NGOs receiving foreign funding and other businesses with international suppliers or customers.

Yes. USD is one of the currencies offered through DTB Foreign Currency Current Accounts. Eligible sole proprietors, partnerships and corporate entities can open an account subject to DTB's business-account onboarding and KYC requirements.

A foreign currency current account can be used as a destination for supported incoming foreign-currency payments. For overseas transfers, provide the sender with the correct account and SWIFT/intermediary instructions supplied by DTB. Incoming SWIFT and correspondent-bank terms may apply.

A USD business current account can help you receive and hold dollar proceeds rather than converting every receipt immediately to KES. DTB's foreign currency current account can be relevant for exporters, and you can convert or use the funds later depending on your business needs, prevailing rates and transaction charges.

Yes, subject to DTB's international transfer, compliance and documentation requirements. Holding funds in the supplier's payment currency may reduce unnecessary conversions before payment. Outgoing SWIFT and correspondent-bank charges apply under the current tariff.

It can be useful when international guests, travel agents or overseas partners pay in USD, EUR, GBP or another supported currency. The business can receive and hold those funds in the same currency and convert or use them later as required, subject to applicable banking and FX terms.

DTB's Product Guide includes corporate entities among the target market for Foreign Currency Current Accounts. An NGO or similar organisation should confirm its legal-entity eligibility, donor requirements, account mandate and KYC documentation with DTB before opening the account.

DTB currently supports 13 currencies: USD, EUR, GBP, AED, AUD, BIF, INR, JPY, UGX, ZAR, CHF, CAD and CNY.

DTB currently publishes a nil opening amount and nil minimum balance for the Foreign Currency Current Accounts. The business must still complete the required account-opening and verification process.

The current product proposition has no monthly account-maintenance fee and no ledger fee. However, specific services such as cheque books, cash handling, transfers, SWIFT remittances and other requests have published charges under DTB's Tariff Guide.

No. Although the live product wording currently says 'no transaction fees', DTB's tariff lists charges for several foreign-currency services. The safer interpretation is that there are no monthly or ledger fees, while charges can apply to cheque services, cash handling, transfers, SWIFT and other transactions.

DTB currently states that USD balances earn interest calculated and credited monthly at prevailing rates. The live page does not publish the current rate or a minimum interest-earning threshold, so contact DTB for the current eligibility and rate before making a decision.

The current DTB page only publishes interest for USD balances. It does not state that EUR, GBP or the other supported currencies earn interest. Confirm the latest position with DTB if earning interest is important to your business.

No. DTB currently states that this account does not come with a debit card. Account access is through cheque book, internet banking and e-statements under the current product features.

Yes. DTB lists internet banking as an account-access channel. The exact transfer functionality, approval workflow, user roles and transaction limits depend on your business internet-banking setup and account mandate.

Yes. DTB lists cheque-book access for the account. The current tariff publishes foreign-currency cheque-book and cheque-service fees, including charges for 25-leaf and 100-leaf cheque books.

DTB's August 2026 tariff currently lists a 0.25% foreign-currency cash-handling charge on deposits and withdrawals over USD 5,000 or equivalent in a day. Confirm how the equivalent threshold is calculated for your currency before a large cash transaction.

The current DTB tariff lists KES 500 for incoming SWIFT transfers and KES 1,500 for outgoing SWIFT transfers, with a lower KES 700 amount noted for Indian Rupee transfers. Correspondent-bank charges may also apply. Confirm the full expected cost before sending.

Use a KES business current account when most of your income and expenses are in Kenya Shillings. A foreign currency account is more useful when a meaningful share of your business receipts or payments is denominated in USD, EUR, GBP or another supported currency. Many internationally active businesses use both.

A current account is designed for transactions such as receiving business payments, transfers and cheque usage, while a savings account is primarily for accumulating money and may have different access and interest features. DTB Foreign Currency Current Accounts are transactional business accounts with cheque-book access.

Compare supported currencies, opening and minimum balances, monthly and ledger fees, SWIFT and transfer charges, exchange rates, cash-handling fees, interest if any, cheque and digital-banking access, incoming-payment requirements and business-account support. DTB currently offers 13 currencies, nil opening/minimum balances, no monthly or ledger fee, and monthly interest on eligible USD balances.