Zawadi Account

Build your savings one month at a time with DTB Zawadi, a goal-based savings account designed for women. Choose how much you want to save each month and a savings term from three months, then receive your savings together with accumulated interest at the end of the term, subject to DTB's applicable rates and terms.

Overview

Whether you are saving towards a business goal, education costs, a home, travel or another personal milestone, DTB Zawadi gives you a structured way to build funds gradually instead of waiting until you need the full amount.

Choose a flexible amount to save each month and a pre-determined savings term starting from three months. The account opens from KES 1,000, has no minimum operating balance and earns interest according to DTB's prevailing rate. At the end of the selected term, your savings and accumulated interest are paid to you, subject to the account terms.

Target Market

Women in business who want to build savings towards future business or personal needs.
Career women looking for a disciplined monthly savings plan for short- or longer-term goals.
Stay-at-home mums who want to put aside a flexible amount regularly for family and personal goals.

Benefits

Discover the advantages of banking with Zawadi Account

No ledger fees.
Free monthly e-statements to help you track your savings progress.
Interest is calculated and credited half-yearly under DTB's current published product terms.
Contact your DTB branch for the current applicable savings interest rate.

Product Features

Currency: Kenya Shillings (KES).
Opening balance: KES 1,000.
Minimum balance: Nil.
Minimum savings period: 3 months.
Monthly saving: Choose the amount you want to save each month, subject to the account terms.
Account and information access: Mobile banking, internet banking, USSD and e-statements.
Maturity: Savings together with accumulated interest are paid at the end of the selected term, subject to DTB's applicable terms.

FAQs

A monthly savings plan helps you build money gradually by setting aside an amount regularly for a chosen period or goal. DTB Zawadi lets you choose how much you want to save each month for a pre-determined term starting from three months, with your savings and accumulated interest paid at the end of the term, subject to DTB's terms.

DTB currently targets the Zawadi Account at women in business, career women and stay-at-home mums who want a structured way to save towards future personal, family or business goals.

The current opening balance is KES 1,000. DTB publishes no minimum operating balance after opening, allowing you to build your savings according to the amount you choose to contribute.

DTB describes Zawadi as allowing customers to save an amount of their choice each month. This gives you flexibility to match your monthly contribution to your income and savings goal. Confirm any contribution rules with DTB when opening the account.

The current minimum period is three months. The live page does not publish a maximum term, so confirm the available term options with DTB based on how long you want to save.

Yes. DTB states that Zawadi earns interest and that interest is calculated and credited half-yearly. The current rate is not published on the page, so contact your DTB branch for the prevailing rate.

DTB states that the amount you save together with accumulated interest is paid to you at the end of the selected term. Because the page also says interest is calculated and credited half-yearly, confirm the exact crediting and payout treatment with DTB for your chosen term.

Yes. A goal-based monthly savings plan can be used to build funds ahead of school-fee dates. Estimate the amount you will need, choose a suitable term and save consistently each month. If you need a product specifically designed around children's school fees, you can also compare Zawadi with DTB Just for Me.

Yes. DTB specifically lists women in business among the target market. You can use a structured savings plan to build funds gradually towards a future business expense or investment. For financing rather than saving, compare relevant DTB business borrowing products separately.

Yes. Zawadi is designed around flexible monthly saving for a pre-determined period, so it can support different personal goals such as a home deposit, travel, education, an emergency reserve or another planned expense.

Yes. DTB lists mobile banking, internet banking, USSD and e-statements as account and information access channels for Zawadi.

No. DTB currently lists no ledger fees for Zawadi. Other charges, if any, should be confirmed using the latest DTB tariff or with your branch.

The Zawadi page provides a Standing Instructions Application Form, which can support scheduled transfers. Ask DTB how to set up a standing instruction from your source account so that you save consistently each month.

A normal savings account is typically suited to flexible saving and access, while Zawadi is structured around saving an amount each month for a pre-determined term and receiving your savings plus accumulated interest at the end. Choose Zawadi if you want more structure around a goal; choose a regular savings account if flexible access is more important.

Compare the opening amount, contribution flexibility, savings term, interest rate, when interest is credited, fees, early-access rules and digital access. DTB Zawadi offers a KES 1,000 opening balance, no minimum operating balance, a minimum three-month term, flexible monthly savings and digital account access. Confirm the current interest rate and withdrawal rules before committing to a term.