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Compare Current Accounts

Monthly fees, minimum balances, and features. Find the account that doesn't eat your money.

By shrwed.co editorial teamUpdated May 2026
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Kenyan banks charge 8-12 different fees per current account

Monthly maintenance, ATM withdrawals, SMS alerts, overdraft, ledger fees, and more. The "free" account with a KSh 1,000 minimum balance often costs more than one with a higher minimum but lower fees.

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Current account comparison coming soon

We're collecting fee schedules from all major banks to build the first transparent fee comparison for Kenyan current accounts.

💰 Monthly fees range from KSh 0 to KSh 2,500

Some banks waive monthly fees if you maintain a minimum balance. Others charge regardless. Always calculate total cost, not just the monthly fee.

🏧 ATM withdrawal fees add up

Most banks charge KSh 30-100 per ATM withdrawal. At 4 withdrawals/month, that's KSh 1,200-4,800/year. Some accounts offer free ATM withdrawals.

📱 Mobile banking is essential

KCB App, NCBA Loop, and Equity EazzyApp offer free transfers and payments that replace most branch visits. A good app can save you thousands in transaction fees.

📊 Minimum balance matters

Some accounts require KSh 0 minimum balance (digital banks), others KSh 10,000-50,000. That's your money sitting idle. Choose the lowest minimum that meets your needs.