NATSAVE RETAIL BANKING TARIFF GUIDE 2023/ 2024
PRODUCT TRANSACTION BOOK ADMIN MONTHLY FEE Mobile Banking – Checking Account Balance Free
FEES BALANCE SMS ALERT
KWACHA Mobile Banking – Checking mini statement Free
Bank Induced SMS Alert service Free
ACCOUNT Mobile Banking – Utility Bill Payment K3.00 Per transaction
Customer Induced SMS Alert service K2.00
Savings Accounts per SMS
Ordinary Savings K0.00 K100.00 Free
INTERNET BANKING
Regular Savings K0.00 K100.00 Free FEES
DORMANT /CLOSED ACCOUNT MGNT Internet Banking Setup fee Free
Pamodzi Savings K0.00 K100.00 Free Dormant Account Free
Internet Banking Monthly fee Free
Minor Savings K0.00 K100.00 Free Dormant account – charge per month -
Internet Banking per transaction K3.00
Pension Savings K0.00 K10.00 Free Overdrawn account – interest charge (customer 10% above lending rate
Growth Savers K0.00 K200.00 Free E- monthly Statement Free
induced)
Girl’s Dream K0.00 K5.00 Free Closure of account (Below 6 months) K100.00
ATM SERVICES
Reactivation of account Free
Business ATM New Card application Free
Transfer of cash balance on closure of account to 1% of value, minimum
Account ATM Card replacement charge K60.00
another financial institution K100.00
Commercial SME K10.00 K250.00 K250.00 ATM Balance enquiry Charge Free
Unclaimed balances-charges per month Free
Commercial K10.00 K100.00 K100.00 ATM Cash Withdraw Charge K10.00
Statement of a closed account older than 6 months K100
personal ATM mini statement charge K2.00
Karibu Business K5.00 K50.00 K20 Charge for usage of NATSAVE ATM machines by K16.00
PAYMENTS other bank account holders
Church Account K10.00 K50.00 Free Stop payment instructions K50 E – WALLET BANKING E – WALLET BANKING
Market Account K10.00 K20.00 K10 a) Stop order Instructions-Set up Free Cash Withdrawal from Wallet fees
0 – 2000 K10.00
2001 - 5000 K12.00
Personal b) Stop order Instruction-Per transaction Free E Wallet Registration Free
Cash In / Deposit into Wallet Free
Accounts
Balance Enquiry Free
Karibu Personal K5.00 K30.00 Free
STANDING ORDERS Mini Statement Fees Free
Student Account K10 K20.00 Free Standing Order (Amendment) Free Full statement Fees (Interim) K5.00
Compensation K1 K10.00 free Transfer – Account to Wallet K10.00
a) Standing Order- Internal Free Transfer – Wallet to Account Free
Salary Account K10 K100.00 K62.00 b) Standing Order-External Funds Transfer – Wallet to Wallet Free
K10.00
Rural Account K10 K50.00 K5.00 Transfer to Mobile K10.00
Unpaid standing order K510.00
Wallet – Buying Data Bundles K1.00
Easy Salary K10 K50.00 K20.00 Wallet – Airtime Top up K1.00
ELECTRONIC PAYMENTS Utility Bill Payments K3.00 per transaction
ZRA TAX K5.00 Monthly Maintenance Fee Free
Fixed Deposits
ZMW ZRA Walk in customer payments K15 AGENCY BANKING
POS Cash withdraw at any Natsave Agent
- Nil Free
NAPSA Electronic Free 0 – K2000 K5.00
Minimum K2001 - K5000 K10.00
NAPSA Walk in customers payments K15 POS Deposit cash at any Natsave Agent Free
K1,000.00
Tenures NHIMA Electronic
Interest Rates
NHIMA Walk in customers payments TRANS-CASH
apply to;
30 Days MINIMUM(K) MAXIMUM(K) CHARGE(K)
SALARY PROCESSING Customer to Non-Customer 10.00 200.00 5.00
60 Days 200.01 500.00 10.00
Processing salary (manual) K25.00
90 Days 500.01 1000.00 15.00
Electronic per item K10.00
180 Days 1000.01 5000.00 50.00
CASH MANAGEMENT 5000.01 10000.00 95.00
365 Days
Cash delivery to customer As per agreement-MOU or Minimum K1000.00 Non-Customer to Non- 10.00 200.00 6.00
Customer
Dollar Accounts 200.01 500.00 12.00
ELECTRONIC TRANSFERS 500.01 1000.00 20.00
Personal $1 $50 $5 1000.01 5000.00 60.00
EFT/Inward Clearance Free
Business $1 $100 $5 5000.01 10000.00 100.0
EFT/Outward Clearance Withdraw money by NATSAVE 10.00 200.00 Free
Fixed Deposit Nil K10.00 customer
Electronic
200.01 500.00 Free
Manual K25.00
500.01 1000.00 Free
Minimum $50.00 1000.01 5000.00 Free
Tenures 5000.01 10000.00 Free
Un paid direct debits due to insufficient funds K510.00
Interest Rates Withdraw money by non- 10.00 200.00 Free
DDACC / EFT – Electronic K10.00 customer
apply to; 200.01 500.00 Free
30 Days 500.01 1000.00 Free
DDACC / EFT –Manual K25.00 1000.01 5000.00 Free
60 Days 5000.01 10000.00 Free
RTGS K40.00
90 Days
180 Days
FUNDS TRANSFER
365 Days
Internal Transfer of Funds Free
LOAN PRODUCTS AND
PENALTY FOR PENALTY FOR VIOLATIONG ADVANCES
VIOLATING WITHDRAWAL WITHDRAWAL FREQUENCY
PENALTIES FREQUENCY
Telegraphic Transfer (TTs) 1% of amount minimum K110.00 Salary Backed Loans Fees Applicable
BOOK
BALANCE Interbranch Transfers Free
Regular Savings K20 2 per annum K20 per violation
Transfer of account inter-branch Free Thandizo BOZ Policy Rate + Margin
Pamodzi Savings K20.00 12 / year K20 / Violation Natlink BOZ Policy Rate + Margin
Institutional BOZ Policy Rate + Margin
Growth Savers K50.00 per 4 Per Annum K50 / Violation
violation GENERAL SERVICES Business Loans
Girls’ Dream K0.00 Once per K2.5 / violation Photocopies not for bank business K5.00 per copy Micro BOZ Policy Rate + Margin
week Business SME BOZ Policy Rate + Margin
Minor Savings K20.00/ 4 Per Annum K20 / Violation Issuance of withdrawal book Free
violation Issuance of withdraw slip Free Arrangement Fees Applicable to All 6%
Student account K10.00
Issuance of deposit book Free Credit Life Insurance Fees 2.5% pa
Karibu Personal K5.00 Once / week K5.00 / Violation applicable
Certification of documents (True copy of original) K30.00 per copy CRB Fees Applicable to all products K100.00
Premature Interest
Forfeited Commissioner of oath K100.00
Withdrawal of FDs BOZ Policy Rate + Margin
Insurance Debit Order K10.00 or as per MOU Asset Plus
Credit Life Insurance 2.5% PA
Reference letter K65.00 1.0% PA
Asset Insurance
SERVICEFEES Managers’ cheque K100.00 Group Loans BOZ Policy Rate + Margin
Upcountry / Remittances Cheque Clearing Free Credit Life Insurance 1.5% PA
WITHDRAWALS
Local Cheques Clearing Free Bunjimi BOZ Policy Rate + Margin
Withdrawal Over the Counter within ATM withdraw K50.00
Credit Life Insurance 2.5% PA
limit Bank draft 1% of the value of the bank draft
Withdrawal Over the Counter above ATM limit Free Asset Insurance 1.0% PA
Withdrawal Without Notice Free Payment from suspense per transaction K100.00
SERVICES
Bankers’ opinion K250.00
DEPOSITS Arrangement Fees Applicable To
OTC Cash Deposit at own NATSAVE Agency / Free Money Lender processing fee for loan recoveries Tiered as per Corporate Tariff Guide K150,000 – 6%
All
Branch K150,000 – K300,000 – 4%
Certificate of balance K150.00
OTC Cash Deposit at own NATSAVE Agency / Free Credit Life Insurance Fees
Branch (online) Line of Credit Letter K250.00 per letter 2.5% pa
Applicable
Cheque Deposit Free
SAFE CUSTODY CRB Fees Applicable To All
Bulk Cash Deposit of small denominations Free K100.00
a) Small envelopes Per QTR K30.00 Products
Cost of Deposit books Free
Customised Deposit Books Free b) Medium sized envelopes - Per QTR K40.00
c) Large envelopes - Per QTR K50.00
STATEMENTAND EQUIRIES
Ordinary (One per month) Free d) Trunk - Per QTR K500.00
Addi onal Statement K20/ page
Interim Statement K20/ page DIGITAL BANKING
E-Statement MOBILE BANKING SERVICES
Daily K18.00 Mobile Banking – Sign up Free
Mobile Banking - Intra Bank Transfer between own K3.00
Weekly K9.50
Mobile Banking - Inter Bank Transfer K10.00
Fortnightly K4.50
Mobile Banking – Bank to Wallet Tiered approach:
Monthly K0.75
0-K2,000 K10.00
Balance inquiry over the counter/Customer K15.00
K2,001 -K5,000 K12.00
Services Desk
Mobile Banking – Buying Data Bundles K1.00
Mobile Banking – Buying airtime K1.00