💳 Kenya Bank Fees Comparison 2026

Stop overpaying! Compare hidden charges across all major banks.

💰Save KES 10K+/year

📊8 Banks Compared

✅Updated Monthly

💡 Did you know? The average Kenyan pays KES 15,000+ per year in bank fees. Switching to a low-fee bank could save you enough for a holiday!

Bank	Account Maintenance	ATM Withdrawal	Mobile Banking	Loan Processing	Inter-Bank Transfer	Standing Order
Equity Bank BEST	KES 300/month	KES 30 (own) / KES 45 (other)	Free	1-2% of loan amount	KES 40-110	KES 75/month
KCB Bank	KES 350/month	KES 35 (own) / KES 50 (other)	Free	1-2% of loan amount	KES 45-120	KES 80/month
Co-operative Bank	KES 400/month	KES 40 (own) / KES 55 (other)	Free	1.5-2.5% of loan amount	KES 50-130	KES 85/month
I&M Bank	KES 400/month	KES 40 (own) / KES 55 (other)	Free	2-3% of loan amount	KES 50-130	KES 85/month
NCBA Bank	KES 450/month	KES 45 (own) / KES 60 (other)	Free	2-3% of loan amount	KES 55-140	KES 90/month
Stanbic Bank	KES 450/month	KES 45 (own) / KES 60 (other)	Free	2-2.5% of loan amount	KES 55-135	KES 90/month
Absa Bank	KES 500/month	KES 50 (own) / KES 65 (other)	Free	2-3% of loan amount	KES 60-150	KES 95/month
Standard Chartered	KES 600/month	KES 55 (own) / KES 70 (other)	Free	2.5-3.5% of loan amount	KES 65-160	KES 100/month

Equity BankKES 300/month

KCB BankKES 350/month

Co-operative BankKES 400/month

I&M BankKES 400/month

NCBA BankKES 450/month

Stanbic BankKES 450/month

Absa BankKES 500/month

Standard CharteredKES 600/month

Equity BankKES 30

KCB BankKES 35

Co-operative BankKES 40

I&M BankKES 40

NCBA BankKES 45

Stanbic BankKES 45

Absa BankKES 50

Standard CharteredKES 55

Example: If you currently bank with Standard Chartered and switch to Equity Bank:

Account fees saved per year:KES 3,600

ATM fees (12 withdrawals):KES 300

Inter-bank transfers (12 per year):KES 180

Total Annual Savings:KES 4,080

💡 Tips to Reduce Bank Fees

Most banks offer free mobile banking. Use it instead of visiting branches or ATMs to save on transaction fees.

Some banks waive monthly fees if you maintain a minimum balance. Check your bank's requirements.

Other-bank ATM withdrawals cost 50-100% more. Plan ahead and use your own bank's ATMs.

Multiple accounts mean multiple maintenance fees. Consolidate to one or two banks to save.

Long-term customers with high balances can often negotiate lower fees or waivers.

For small amounts, M-Pesa can be cheaper than bank transfers. Compare costs first.

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