DTB Salary Account

DTB Salary Account is a transactional bank account in Kenya designed for salaried employees to receive and manage their monthly salary. Open with no opening amount or minimum balance, access your money with a debit card, and manage everyday banking through DTB mobile and internet banking.

Overview

If you are employed and want a bank account for receiving your salary and managing everyday payments, DTB Salary Account gives you straightforward transactional banking with no opening amount or minimum balance. Access your funds using a debit card, ATMs, DTB mobile banking and internet banking, with free monthly e-statements to help you keep track of your transactions.

For employers, salary processing for employees with DTB accounts can be carried out through DTB’s internet banking platform.

What You Need to Open an Account

To open a DTB Salary Account, provide the applicable identification, address and employment documents below:

National ID for Kenyan citizens.
Valid passport and Foreign Certificate for foreign citizens.
One passport-size photograph.
KRA PIN Certificate.
Proof of physical address, such as a lease agreement or utility bill showing your name and physical address.
Employer introduction letter or copy of payslip.

Benefits

DTB Salary Account helps salaried employees receive, access and manage their income conveniently:

No minimum account balance.
Free monthly e-statements to help you monitor salary credits and spending.
Optional debit card for ATM withdrawals and point-of-sale payments.
Access to DTB mobile banking and internet banking for everyday transactions and account management.

Features

Key features of the DTB Salary Account:

Currency: Kenya Shillings (KES).
Opening amount: Nil.
Minimum balance: Nil.
Interest rate: N/A - the account is designed primarily for receiving salary and day-to-day transactions rather than earning savings interest.
Account access: Debit card, mobile banking, internet banking and e-statements.
Salary processing: Corporate clients can process employee salaries through DTB’s internet banking platform.

Charges & Fees

Debit card:
- Mastercard Platinum debit card: KES 500.
- Card replacement - Kshs. 600
ATM Withdrawals:
- Withdrawals from DTB ATMs: KES 30.
- Withdrawals from Interswitch and Kenswitch ATMs: KES 70.
- Withdrawals from all other bank ATMs: KES 200.
Other Published Charges:
- Cash handling fee: 0.25% on amounts over KES 1 million.
- Ledger fee per transaction: Nil.
- All charges are subject to applicable tax.

FAQs

A salary account is a transactional bank account used to receive your salary from an employer and manage everyday expenses such as transfers, cash withdrawals and card payments. DTB Salary Account is designed for salaried employees and provides debit-card, mobile-banking, internet-banking and e-statement access.

The best salary account depends on the fees, minimum balance, access channels, debit-card costs and how easily you can receive and use your salary. DTB Salary Account has no opening amount or minimum balance, a nil ledger fee, and access through debit card, mobile banking and internet banking. Compare the full tariff and services against how you normally use your account.

You can enquire with DTB and complete the Bank’s account-opening process. Current requirements include identification, KRA PIN, proof of physical address, a passport-size photograph and employment evidence such as an employer introduction letter or payslip.

DTB currently publishes a nil opening amount for the Salary Account. This means there is no fixed opening deposit stated on the product page, although you must still complete the Bank’s account-opening and customer-verification requirements.

No. DTB currently publishes a nil minimum balance for the Salary Account, so you do not have to maintain a fixed operating balance simply to keep the account open.

DTB currently publishes a nil ledger fee for the Salary Account. Other service charges can still apply, including debit-card, ATM withdrawal and cash-handling fees. Check the latest DTB tariff before opening or using chargeable services.

For DTB Salary Account, current requirements include a National ID for Kenyan citizens or a valid passport and Foreign Certificate for foreign citizens, one passport-size photo, KRA PIN Certificate, proof of physical address, and an employer introduction letter or payslip.

Yes. The account is designed for salaried employees, and DTB offers an optional debit card that can be used for ATM withdrawals and point-of-sale transactions. Card and ATM charges apply according to the current tariff.

Yes. DTB lists mobile banking and internet banking as account-access channels for the Salary Account, allowing you to manage transactions and account information digitally.

DTB currently lists KES 30 for withdrawals from DTB ATMs, KES 70 from Interswitch and Kenswitch ATMs, and KES 200 from other bank ATMs. These charges are subject to applicable taxes and may change, so check the latest tariff.

No. DTB currently lists the interest rate as N/A. The Salary Account is primarily a transactional account for receiving and using salary. If earning interest on money you are setting aside is important, consider comparing it with a DTB savings product.

Both can be used for everyday transactions, but a salary account is specifically positioned for employed people receiving regular salary payments. A general current account may serve broader transaction needs. Compare fees, minimum balances, payment tools and any salary-specific features before choosing.

A salary account is designed for receiving income and frequent day-to-day transactions, while a savings account is better suited to money you want to set aside and potentially earn interest on. Many customers use both: salary enters the transactional account, then a portion is moved into savings.

Yes. DTB states that salary processing for corporate clients can be carried out through its internet banking platform. Employers should contact DTB for onboarding, file formats, controls, fees and processing timelines applicable to payroll services.

No. Holding a salary account does not automatically guarantee credit. DTB lending products have separate eligibility, affordability and approval requirements. If you need a short-term salary advance, you can review products such as DTB INUA and confirm your eligibility with DTB.