Best bank in Kenya for salary account


There are factors you should consider when opening a salary account in Kenya. Some banks are the best because they charge low fee on withdrawals, the money reflects in your bank within a short time. The banks also provide salary advance loans.Always go for the best rated banks where you receive your salary and use the account without unrealistic charges.

Here is the list of best banks for salary account in Kenya:


Salary Account


  • Minimum opening balance – Nil
  • Minimum operating balance – Nil
  • No Monthly Maintenance fee
  • Salary processing fee applicable
  • Access to Loan products such as Personal Loans and Cash Advances.
  • Debit card
  • Access to a credit card


  • Identity card/ Passport- original and copy
  • Passport Photo (To be taken at the branch)
  • Letter of introduction from Employer/ Employment Letter
  • KShs.600/= for the Debit Card (inclusive of Excise Duty of 20%)
  • Copy of KRA PIN


Jiinue/Salary Account

Salaried? Let us help you save, send and receive money affordably with the Jiinue account. That is not all, you can access facilities of upto Kes 2m.Let us open your account today, shall we?


  • Valid Kenyan ID or passport
  • Your KRA PIN certificate

Documentation Fee & Service fee*

  • Opening balance – Kes 200.
  • Minimum operating balance – Kes 200
  • Monthly fee – Kes 50
  • ATM withdrawal – Kes 30
  • Visa Debit card at – Kes 430
  • Over the counter withdrawal – Kes 200 (daily amounts above Kes 1M charged at Kes 5,000).
  • Local currency Banker’s Cheque – Kes 200


Salary Account

Family Bank Salary Account is the ideal personal bank account for employed customers. It is an easy and convenient solution that allows you to access your salary, allowances and wages. Get up to 50% of your net pay as salary advance instantly. Sign-up and let this account take care of your finances while you work.


    No minimum opening balance

    No minimum operating balance

    Visa Debit Card available at KES 500

    Affordable salary processing fee

  •   No ledger fees


    Free monthly e-statements

    Access to salary advance of 50% of your net salary

    Access to salary loan after 6 months’ salary credits

    Access to check-off loans with a repayment period up to 84 months

    Access to credit cards

    Access to insurance cover

    Asset financing available

    Access to alternate banking channels: PesaPap Mobile Banking, Internet Banking and Agency Banking

  •   Access to a wide network of Family Bank ATMs across the country


    Fill the account application form available at your nearest branch

    Original and copy of national ID or passport

    Any amount of money to open the account

    Customer identification photo will be taken at the branch

  Introduction documents such as bank statements, introduction letter from another customer, a copy of utility bills in the customer’s name


Salary Account

For when you need a low-cost, low transactional salary processing account for your everyday banking needs.

  • Opening Balance Zero
  • Monthly Fee KES 210
  • Minimum Operating Balance Zero
  • Access to Debit Card

Features and benefits of this account include: 

  • Free monthly e-statements.
  • Free incoming funds transfers.
  • Free funds transfers to other NCBA accounts.
  • Manage your account from wherever with Online and Mobile Banking.


This is a transactional account for the salaried individual. Customers can opt to have a debit card for this account and salary processing for the corporate client is carried out through the internet banking platform


  • No minimum account balance
  • Free monthly e-statements
  • Access to a debit card that can be used for ATM and POS transactions
  • Access to DTB’s Internet and mobile banking platforms


  • Currency – Kenya shillings
  • Opening amount – nil
  • Minimum balance – nil
  • Interest rate – N/A
  • Channels  / account & information access – debit card, mobile banking, internet banking, e-statements


  • National ID (Kenyan citizens)
  • Valid passport & Foreign certificate (Foreign Citizens)
  • One passport size photo
  • KRA PIN Certificate (Kenya Revenue Authority)
  • Proof of Physical address (Lease agreement/ Utility bill indicating- name and physical address)
  • Introduction letter from employer/ Copy of pay slip


  • Debit card:
    • Debit card: – Visa classic Kshs. 200
  • Card replacement – Kshs. 600
  • Withdrawal fees:
    • Withdrawals from DTB ATMs – Kshs. 30
    • Withdrawals from Interswitch and Kenswitch ATMs – Kshs. 70
    • Withdrawals from all other bank ATMs – Kshs. 200
  • 0.25% cash handling fee (over Kshs. 1 million)
  • Ledger fee (per transaction) – nil
  • Note: * All charges are subject to applicable tax


HFC Salary

This is one of the best salary account in Kenya designed for employed people earning a monthly salary.

Features & Benefits

Here is why you should open a HFC Salary Account:

  • No opening balance, No minimum balance, No monthly ledger fees 
  • HFC debit card, with access to all Kenswitch ATM’s countrywide 
  • Same day Salary processing
  • Access to mobile banking services 
  • Free internal transfer to any HFC savings account 
  • Access to salary advances and personal loans
  • Access to insurance solutions 


You need the following to open a HFC Salary Account:

  1. ID
  2. KRA PIN Certificate
  3. Physical address confirmation
  4. Introduction letter by employer


Salary Account



  • No account opening balance


  • No minimum balance


  • No monthly maintenance fees


  • Salary processing fee of KES 50


  • 4% interest if no withdrawal is done in the year


  • 3% interest subject to 1 withdrawal per quarter


  • No interest if withdrawal is done more than once in a quarter


  • Interest to be calculated on a minimum monthly average balance




  • Complimentary first Visa Debit card – accepted locally and internationally
  • Complimentary first Cheque Book (25 leaves)
  • 1 complimentary SWIFT transaction per annum
  • 1 complimentary Real Time Gross Settlement (RTGS) per annum
  • Access to E-channels i.e. mobile and internet banking
  • Access to SMS alerts notification for all transactions made
  • Complimentary monthly E-statements
  • Bundled with personal or children’s savings account(optional)
  • Dedicated Relationship Manager
  • Access to financing: credit card, mortgage, plot, asset financing & equity release


  • Current account with a monthly maintenance fee of KES 300/- (exclusive of excise duty)
  • Counter withdrawals by cheque book will be charged at KES 30/-
  • Transitional fees of Kes.30 (Exclusive of excise duty), with 10 complimentary transaction
  • Account available in KES, USD, GBP and Euro
  • Opening and operating balance of KES 1,000


  • Copy of National ID/Passport/Military Certificate
  • 1 recent coloured passport size photograph
  • KRA PIN Certificate


Benefits of this account

  • Same-day salary processing
  • Easy account opening with instant debit card issuance at all branches
  • No monthly account maintenance fees
  • Pre-approved Timiza loan on Timiza Digital Banking Platform – Dial *848# or download Timiza App from your app store
  • No minimum balances
  • Vertical debit card and chequebook available
  • Access to mobile and internet banking
  • Free Twin and Zidisha Savings Account
  • Guaranteed 0.3% cashback when you shop with the Absa debit card

Requirements for this account

  • No monthly fees applicable
  • No minimum balance required


Baroda Kenya Salary account


  • No Minimum Balance
  • No Maintenance Charge
  • Cheque Book Facilities Available
  • Baroda Connect-Internet Banking
  • Mobile Banking with mPesa services
  • Nil processing fees.


Pay as you go salary

A product geared to cater for individuals earning a net salary of less than Kes 25,000


Employees earning less than 25,000 a month.


  • Personal Current account
  • No Cheque book
  • Debit card Charges as per bank’s tariff
  • Access to mobile banking as per banks tariff
  • Access to online banking as per Bank’s tariff
  • Salary processing at Kes. 100


  • Access to personal loans
    • Tenor: Upto 6 (six) months
    • Maximum amount: Three times of gross salary up to Kes 100,000
  • Access to salary advance of up to 50% of net with a maximum of Kes 15,000


  • 1 Colour passport sized photo
  • Certified copy of national ID
  • Letter of Introduction from Employer/Copy of Payslip


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