DTB Multicurrency Prepaid Card
Travel, shop online and manage international spending with one reloadable Mastercard prepaid card. DTB Multicurrency Prepaid Card supports up to 16 currency wallets, with Kenya Shillings as the default wallet, and can be used for contactless merchant payments, online purchases and ATM withdrawals locally and internationally. Load your card through M-Pesa or the DTB App.
Overview
DTB Multicurrency Prepaid Card gives you a practical way to manage spending across different currencies without using a credit facility. You load money onto the prepaid card before spending, then use the available funds for eligible purchases or cash withdrawals.The card supports up to 16 currency wallets, making it useful when travelling across different countries, paying international expenses, shopping online or keeping selected foreign-currency spending separate from your everyday bank-card use. Kenya Shillings is the default wallet.
The Mastercard card is accepted domestically and internationally at supported POS terminals, online merchants and ATMs. You can reload it through M-Pesa or the DTB App and use DTB's self-help cardholder portal to monitor and manage card activity.
If a transaction requires conversion between currencies, the applicable exchange rate and DTB's current prepaid-card FX charges may apply. Check the current tariff before travelling or making a large foreign-currency purchase.
What You Need to Open an Account
The requirements are as follows:
Copy of National ID or valid passport with a valid visa where applicable.
KRA PIN Certificate.
An active DTB Bank account.
Benefits
Discover the advantages of banking with DTB Multicurrency Prepaid Card
Access up to 16 currency wallets on one Mastercard prepaid card.
Use the card at contactless-enabled merchant terminals globally, subject to Mastercard acceptance.
Access a self-help cardholder portal to help manage and monitor expenditure.
Load the card using M-Pesa or the DTB App.
Spend from preloaded funds rather than an approved credit limit, helping you separate travel or online-shopping spend from borrowing.
Features
Access a comprehensive suite of banking services and tools:
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Card Features & Charges
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Purpose: General-purpose spending.
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Acceptance: Domestic and international.
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POS transaction fee: Free.
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ATM withdrawal: KES 100 locally; KES 250 internationally.
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ATM balance inquiry: KES 25.
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Card replacement fee: KES 500.
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Card issuance fee: Live page/Product Guide currently state KES 500; current tariff states KES 600 - confirm before publishing.
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Spend channels: POS, online and ATMs.
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Card expiry: 5 years.
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Loading options: M-Pesa and DTB App.
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Withdrawal channels: DTB branches over the counter and ATMs.
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Current DTB tariff lists a 7% card FX transaction charge where applicable.
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All charges are subject to applicable tax and the latest DTB tariff.
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Supported Currency Wallets
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Kenya Shilling (KES) - default wallet.
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Australian Dollar (AUD).
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Euro (EUR).
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Indian Rupee (INR).
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South African Rand (ZAR).
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UAE Dirham (AED).
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US Dollar (USD).
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Great Britain Pound (GBP).
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Canadian Dollar (CAD).
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Swiss Franc (CHF).
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Burundi Franc (BIF).
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Pakistani Rupee (PKR).
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Ugandan Shilling (UGX).
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Tanzanian Shilling (TZS).
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Japanese Yen (JPY).
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Swedish Krona (SEK).
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FAQs
A multicurrency prepaid card is a reloadable payment card that can hold funds for spending across multiple supported currencies. With the DTB Multicurrency Prepaid Card, you load money before you spend and can access up to 16 currency wallets on one Mastercard, with KES acting as the default wallet.
No. It is a prepaid card, so you spend funds that have been loaded onto the card rather than borrowing against a credit limit. This can be useful when you want card convenience while keeping travel or online-shopping expenditure within the amount you have loaded.
Yes. A multicurrency prepaid card can be useful when travelling because it gives you one card for supported foreign-currency spending, merchant payments and ATM access. DTB's card supports up to 16 currency wallets and domestic/international Mastercard acceptance, subject to merchant and ATM availability.
DTB currently lists 16 supported wallets: KES, AUD, EUR, INR, ZAR, AED, USD, GBP, CAD, CHF, BIF, PKR, UGX, TZS, JPY and SEK. Kenya Shillings is the default wallet.
Yes. USD, EUR and GBP are among the 16 currencies DTB currently lists for the Multicurrency Prepaid Card. Confirm the current loading process and exchange treatment for the currency you want to add before funding the card.
Yes. DTB lists online transactions among the card's spend channels. Online acceptance depends on the merchant, Mastercard acceptance, available card balance and applicable transaction or currency-conversion rules.
Yes. DTB describes the card as domestically and internationally accepted and lists online spending as a supported channel. If the purchase is in a currency that requires conversion, applicable exchange rates and card FX charges may apply.
Yes. The card can be used at supported Mastercard merchant terminals domestically and internationally, including contactless-enabled terminals where accepted. The transaction remains subject to available funds and any applicable card or currency rules.
Yes. DTB lists international ATM withdrawals as a supported use. The live page currently publishes an international ATM withdrawal charge of KES 250, subject to tax and any fee charged by the ATM operator.
DTB currently publishes a KES 100 local ATM withdrawal charge for the Multicurrency Prepaid Card. Other ATM-operator or applicable tax charges may also apply.
DTB currently publishes KES 25 for an ATM balance inquiry on the Multicurrency Prepaid Card.
DTB currently lists M-Pesa and the DTB App as loading options. Make sure you follow the latest instructions in the DTB channel you use and confirm any loading limits or charges before transferring a large amount.
Yes. M-Pesa is one of the current loading options published by DTB for the Multicurrency Prepaid Card.
Yes. DTB currently lists a DTB Bank account among the requirements, along with identification and a KRA PIN.
DTB currently requires a copy of your National ID or a valid passport with a valid visa where applicable, your KRA PIN, and a DTB Bank account.
The live product page and Product Guide currently list a KES 500 card issuance fee, while DTB's newer Tariff Guide lists KES 600. DTB should confirm the correct current issuance fee before this answer is published. The live page lists a KES 500 replacement fee.
DTB currently lists the POS transaction fee as free. Currency conversion or other card charges can still apply depending on the transaction, so review the latest tariff for international or cross-currency spending.
DTB publishes multiple currency wallets and a current 7% prepaid-card FX transaction charge, but the product page does not explain the exact wallet-selection or currency-conversion sequence. Check the current card terms or ask DTB how a transaction will be debited before travelling to a country whose currency you have not loaded.
A prepaid card can help with budgeting because spending is limited by the funds available on the card rather than a revolving credit facility. DTB also provides access to a self-help cardholder portal intended to help customers manage and monitor expenditure.
It can be relevant to students who need a reloadable Mastercard for eligible online, merchant and ATM spending in supported currencies. The student or parent should compare supported currencies, loading methods, ATM fees, FX charges and any transaction limits with the student's destination and spending needs.
A debit card spends directly from your linked bank account, while a prepaid card spends from money loaded onto the card. A multicurrency prepaid card can be useful when you want to separate travel funds and hold supported currency wallets. A debit card may be simpler for general everyday access to your main bank account.
A prepaid card uses funds you load in advance and does not provide revolving credit. A credit card lets you borrow up to an approved limit and may include premium travel benefits, but it also has interest and repayment obligations. Choose based on whether your priority is spending control or access to credit and card benefits.
Compare the number of supported currencies, loading methods, international and online acceptance, POS and ATM charges, FX conversion costs, card issue/replacement fees, transaction limits, security controls and how easily you can monitor spending. DTB currently offers up to 16 currency wallets, Mastercard acceptance, M-Pesa/DTB App loading and online/POS/ATM spending.
