FinanceHero / Kenya / Banking
See fees, minimum balances, ATM costs, transfers, cards and digital access side by side.
Personal / Current accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Co-operative Bank of KenyaCurrent Account (individual) | KES 300per monthKES 35 per ledger entry in addition to monthly maintenance. | Opening: KES 5,000 Minimum: KES 0 | Not available | App bank transfers: KES 0-35; PesaLink: KES 0-140, amount-dependent. Other channels differ. | Card: Not available App: Yes | Not available | KES 300 monthly plus KES 35 per ledger entry. Transaction and card costs are not fully established. |
Equity Bank KenyaEquity Ordinary Account | KES 0per monthNo maintenance or ledger fee. | Opening: Not available Minimum: KES 0 | Not available | Not available | Card: Yes App: Yes | Not available | Opening deposit, card fees and transaction charges are not established; no monthly fee does not mean all banking is free. |
Checked: 7 Oct 2026 · Sources: co-opbank.co.ke · equitygroupholdings.com
Savings accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Co-operative Bank of KenyaHekima Savings Account | KES 0per month | Opening: KES 0 Minimum: KES 0 | Not applicable | Not available | Card: No App: Yes | Not availableCalculated daily and paid quarterly; numeric rate not established. | One withdrawal per calendar quarter; no debit card. Current interest rate is not available. |
Standard Chartered KenyaSafari Savings Account | KES 0per month | Opening: KES 2,000 Minimum: KES 2,000 | Not available | Not available | Card: Not available App: Yes | Not verifiedCalculated daily on available balance and paid quarterly. | One withdrawal per month; confirm which other transactions are allowed and the current interest rate. |
Checked: 7 Oct 2026 · Sources: co-opbank.co.ke · sc.com
Digital consumer accounts
| Account | Account fee | Opening / minimum | ATM fee | Transfers | Card / app | Interest | Key caveat |
|---|---|---|---|---|---|---|---|
Standard Chartered KenyaSC DigiSmart Current Account | KES 299per month | Opening: KES 2,000 Minimum: KES 0 | Local SC ATMs: KES 0. Non-SC ATMs: KES 150 per withdrawal. | SC-to-SC local transfers and online local RTGS/EFT: KES 0. PesaLink follows tariff; not all transfers are free. | Card: Yes App: Yes | Not available | Digital current account from a commercial bank. KES 299 monthly; other-bank ATM KES 150. PesaLink/mobile-money charges are separate. |
Checked: 7 Oct 2026 · Sources: sc.com
Fees may exclude statutory charges.