Mobile Banking

Bank from your phone with DTB Mobile Banking. Use the DTB m24/7 app or dial USSD *382# to check balances, transfer money, send funds to M-Pesa or Airtel Money, use PesaLink, pay bills, buy airtime and access other everyday banking services wherever you are.

Overview

DTB Mobile Banking gives DTB account holders two ways to manage everyday banking from a phone: the m24/7 mobile app for smartphone users and USSD *382# for customers who want to transact without relying on an app.

Use Mobile Banking when you need to check your balance or mini-statement, transfer between DTB accounts, send money to M- Pesa or Airtel Money, transfer to another participating bank through PesaLink, pay supported bills, buy airtime, check cheque status or view foreign-exchange information.

The m24/7 app also supports additional self-service functions such as eligible Fixed Deposit booking, cheque-book requests and Western Union send/receive transactions. DTB's current digital ecosystem also supports other eligible services and billers through Mobile Banking.

Mobile Banking is available to DTB account holders with a valid mobile number. Registration is currently free, and customers can select the service during account opening or apply through a DTB branch. The app supports facial, fingerprint and PIN authentication on compatible devices, while USSD uses the customer's Mobile Banking PIN.

Always verify the beneficiary, mobile number, account number, bill reference and transaction amount before authorising a payment or transfer.

Benefits

Discover the advantages of banking with Mobile Banking

Bank Anywhere - Access eligible services from your phone during the day or night without visiting a branch for routine transactions.
App and USSD Access - Use the DTB m24/7 app on a compatible smartphone or dial *382# when you prefer USSD.
Fast Money Movement - Transfer between DTB accounts, send to supported mobile-money wallets or use PesaLink for participating banks.
Everyday Payments - Pay supported bills and buy airtime directly from your DTB account.
Account Visibility - Check balances, mini-statements, transaction notifications and other eligible account information.
Digital Self-Service - Use eligible app/USSD functions for cheque-book requests, Fixed Deposit booking and other account services.
App Authentication - Facial, fingerprint and PIN authentication are available on the m24/7 app on supported devices.
Real-Time Notifications - DTB provides transaction notifications for eligible debit/credit activity according to the service and alert settings on the account.

Features

Access a comprehensive suite of banking services and tools:

Current Core Features & Charges

Balance enquiry - Free.
Airtime top-up - Free.
Internal funds transfer - KES 0.
Bill payment - KES 30.
Mini-statement request - Free.
Debit alerts - Free under DTB's current Tariff Guide.
Other SMS alerts - KES 200 per month, optional, under the current Tariff Guide.
Bank to M-Pesa / Airtel Money - Charged according to the current mobile-money wallet bands.
PesaLink - Charged according to the current PesaLink bands.
Cheque status - Free on the current live Mobile Banking page/tariff.
Forex viewing - Free.
Registration - Available to DTB account holders with a valid mobile number; setup is currently free.

Additional Digital Services

Fixed Deposit placement through the m24/7 app.
Cheque-book request through the m24/7 app and USSD *382#.
Western Union send and receive through the m24/7 app, subject to applicable provider and transaction rules.
PesaLink transfers to participating banks.
Transfers to M-Pesa and Airtel Money.
Supported billers and government-service payments available within DTB Mobile Banking.

Rates

Bank Account to Mobile Money Wallet Charges

Transaction Amount	Charge
KES 1 - 100	Free.
KES 101 - 500	KES 11.
KES 501 - 1,000	KES 15.
KES 1,001 - 1,500	KES 18.
KES 1,501 - 2,500	KES 25.
KES 2,501 - 3,500	KES 35.
KES 3,501 - 5,000	KES 47.
KES 5,001 - 7,500	KES 57.
KES 7,501 - 20,000	KES 67.
KES 20,001 - 250,000	KES 70.

DTB states that deposits from any DTB PayBill into DTB accounts are subject to mobile-network-operator charges.

PesaLink Charges

Transaction Amount	Charge
KES 0 - 1,000	Free.
KES 1,001 - 999,999	KES 20, exclusive of applicable excise duty.

Pricing Note

All published charges are subject to applicable tax. Use DTB's current live tariff at the point of transaction/publication because older Product Guide material contains outdated PesaLink fee bands that conflict with the current webpage and Tariff Guide.

FAQs

You can select Mobile Banking when opening your DTB account or visit a DTB branch to submit a new application. Mobile Banking setup is currently free. You must be a DTB account holder with a valid mobile number. Once registered, you can access the service through the DTB m24/7 app or USSD *382#.

After DTB sets up your Mobile Banking profile, you receive a 4-digit OTP. Dial *382# and change the OTP to your preferred 6-digit PIN. For the app, download DTB m24/7 from the Apple App Store or Google Play Store, log in using the 6-digit PIN and set your security questions. For USSD, once the PIN is set through *382#, you can begin transacting.

If you previously set security questions, DTB provides a self-reset process. After three incorrect PIN attempts, a self-reset prompt can appear on the fourth attempt. Enter your account and ID details, verify your mobile number using the OTP, answer the security questions and create a new PIN. If you cannot complete the reset or do not remember the security questions, visit a DTB branch with your National ID.

Dial *382#, select Device Management, enter your PIN, select the old device and block it. End the USSD session, then log in to the DTB m24/7 app on the new device and follow the current device-registration prompts.

DTB currently instructs customers with a new SIM card to visit a DTB branch for SIM-card activation on the Mobile Banking profile.

On the m24/7 app, select Send Money, choose M-Pesa/Airtel Money, enter or select the mobile number, choose the DTB account to debit, enter the amount and PIN, then confirm. On USSD, dial *382#, select Move Money, choose M-Pesa/Airtel Money and follow the prompts. Check the mobile number carefully before authorising.

For M-Pesa, select Lipa na M-Pesa > PayBill, enter business number 516600, then enter your 10-digit DTB account number as the account reference. For Airtel Money, use PayBill 516600 and enter your DTB branch code followed by your 10-digit DTB account number, following the current Airtel Money prompts. Mobile-network-operator charges may apply.

On the m24/7 app, select PesaLink > Send to Account, choose the DTB account to debit, select the beneficiary bank, enter the beneficiary account number, purpose and amount, then confirm with your PIN. On USSD *382#, choose PesaLink > Send to Account and follow the prompts for the beneficiary account, bank, amount, purpose and debit account.

Log in to the app, select the three-dot menu and choose Fixed Deposit. Select the account to debit, enter the amount, choose the tenor, confirm the rollover instruction, review the details and authorise with your PIN. DTB sends an SMS or push notification with the Fixed Deposit reference after successful booking.

On the app, open the three-dot menu, select Requests > Cheque Book Request, choose the account and number of leaves, then authorise with your PIN. On USSD *382#, select Query Services > Cheque Book Ordering and follow the prompts.

On the m24/7 app, select Western Union under Send Money. For sending, accept the terms, enter the destination, amount, payout method, debit account, receiver details, purpose and source of funds, then review and confirm. For receiving, select Receive Money, enter the MTCN and other required details, choose the receiving DTB account and confirm. Western Union rules and DTB compliance requirements apply.

Yes. DTB Mobile Banking is available through USSD *382# as well as the m24/7 app. USSD is useful when you do not want to rely on a smartphone app or mobile data, although some app-only functions may not be available through USSD.

Current services include balance enquiry, mini-statements, airtime, internal transfers, bill payments, PesaLink, M-Pesa/Airtel Money transfers, Fixed Deposit booking, cheque-book requests, forex viewing and eligible Western Union transactions, among other supported functions.

DTB currently uses amount-based mobile-money wallet charges. Transfers of KES 1-100 are free, with fees rising by band to KES 70 for KES 20,001-250,000. Check the Rates section or the latest DTB tariff before confirming the transaction.

DTB currently publishes PesaLink transfers from KES 0-1,000 as free and KES 1,001-999,999 at KES 20, exclusive of applicable excise duty.

Yes. Bill Payment is a current Mobile Banking service. DTB currently publishes a KES 30 charge, subject to applicable tax and the requirements of the selected biller.

Yes. DTB supports a range of government and utility billers through its digital channels. Examples in current DTB material include E-Citizen and selected county, utility and statutory payments. Available billers can change, so use the current biller list in the app or USSD menu.

Yes. Airtime top-up is currently free on DTB Mobile Banking. Select the airtime function, choose the account to debit, enter the mobile number and amount, review the details and authorise the transaction.

Yes. Balance enquiry and mini-statement requests are currently free through DTB Mobile Banking.

Yes. DTB currently lists forex-rate viewing as a free Mobile Banking feature. The displayed rate is indicative for the available service; confirm the applicable transaction rate before completing a foreign-exchange transaction.

DTB's broader digital-banking material supports eligible cardless ATM withdrawals initiated through digital channels. Use the current m24/7 or *382# cardless-withdrawal flow and follow the OTP instructions at a supported DTB ATM. Transaction limits and charges should be confirmed on the relevant ATM/digital channel before withdrawal.

DTB's current Tariff Guide lists debit alerts as free and other SMS alerts as KES 200 per month optional. The live Mobile Banking page currently uses the broader label 'Debit / credit alerts - KES 200 per month', so DTB should reconcile the wording. Customers should rely on the latest tariff and their selected alert service.

DTB states that the m24/7 app supports facial, fingerprint and PIN authentication on compatible devices. Mobile Banking also uses PIN and OTP-based controls for relevant setup and recovery functions. Never share your PIN or OTP, and verify every beneficiary, account number, mobile number and amount before authorising a transaction.

Use DTB's current Device Management process through *382# to block the old device where available and contact DTB promptly if you believe your credentials or SIM are at risk. If the SIM has changed or you cannot complete the digital process, visit a DTB branch for assistance.

Common causes can include insufficient funds, incorrect beneficiary details, transaction limits, network/service interruptions, account restrictions or a biller/payment-channel issue. Confirm the details and account balance first. If the transaction remains unsuccessful or money was debited without completion, keep the transaction reference and contact DTB for tracing.

The m24/7 app can generally be accessed when your device has suitable connectivity, subject to account status, security controls, roaming/SIM access and any location-specific service restrictions. USSD availability can depend on the mobile network. Confirm international access requirements with DTB before travel if Mobile Banking will be critical.

Use the m24/7 app when you want a smartphone interface, biometric authentication and app-specific self-service functions. Use *382# when you want a simpler USSD route without relying on a smartphone app or mobile data. Both channels support core everyday banking, but the exact functions can differ.

Compare app and USSD access, bank-to-mobile-wallet fees, instant bank transfers, billers, airtime, account information, security controls, PIN recovery, support, digital self-service, reliability and transaction limits. DTB currently combines the m24/7 app and *382# with PesaLink, mobile-wallet transfers, bill payments and additional account-management functions.