DCB COMMERCIAL BANK PLC

MINIMUM DISCLOSURES OF CHARGES

AND FEES
Recommended
Type of Charge Item/Transaction Current Fees Standard Fees Royal Fees
Type of Charge
Charge/Fee
Charge/Fees s TZS USD EUR GPB TZS USD EUR GPB
TZS USD/EUR/G
BP
Minimum opening Business Banking
balance Current account 100,000 100 150,000 100 100 50 1,000,000 500 500 300
VIKOBA current account 100,000 n/a 100,000 n/a n/a n/a n/a n/a n/a n/a
VIKOBA savings account 20,000 n/a 20,000 n/a n/a n/a n/a n/a n/a n/a

Personal Banking
Current account 100,000 100 100,000 100 100 50 500,000 200 200 100
Savings account 20,000 10 20,000 10 10 5 200,000 100 100 50
Student account 5,000 n/a Free n/a n/a n/a n/a n/a n/a n/a
Young Saver account 5,000 n/a 10,000 10 10 5 n/a n/a n/a n/a
Joint account 100,000 n/a 100,000 100 100 50 500,000 200 200 100
Digital account 5,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
Pensioners account 20,000 n/a 20,000 n/a n/a n/a n/a n/a n/a n/a
Salary account 5,000 n/a 5,000 5 5 5 50,000 50 50 20
Mkulima account 10,000 n/a 10,000 n/a n/a n/a n/a n/a n/a n/a
WAHI account 20,000 n/a 20,000 n/a n/a n/a n/a n/a n/a n/a
Skonga 5,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
VIKOBA Individual savings 10,000 n/a 10,000 n/a n/a n/a n/a n/a n/a n/a
Minimum operating Business Banking
balance Current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
VIKOBA current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
VIKOBA savings account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a

Personal Banking
Current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Savings account 20,000 10 20,000 10 10 5 100,000 50 50 20
Student account 5,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
Young Saver account 20,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
Joint account 100,000 n/a 50,000 20 20 10 200,000 100 100 50
Digital account 1,000 n/a 1,000 n/a n/a n/a n/a n/a n/a n/a
Pensioners account 10,000 n/a 10,000 n/a n/a n/a n/a n/a n/a n/a
Salary account 5,000 n/a 5,000 5 5 5 50,000 50 50 20
Mkulima account 5,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
WAHI account 20,000 n/a 20,000 n/a n/a n/a n/a n/a n/a n/a
Skonga 5,000 n/a 5,000 n/a n/a n/a n/a n/a n/a n/a
VIKOBA Individual savings 10,000 n/a 10,000 n/a n/a n/a n/a n/a n/a n/a
Transaction below Business Banking
minimum operating Current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
balance VIKOBA current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
VIKOBA savings account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a

Personal Banking
Current account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Savings account n/a n/a 500 1 1 1 5,000 2.5 2.5 2
Student account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Young Saver account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Joint account n/a n/a 1,000 1 1 1 10,000 5 5 3
Digital account n/a n/a 500 n/a n/a n/a n/a n/a n/a n/a
Pensioners account n/a n/a 500 n/a n/a n/a n/a n/a n/a n/a
 Salary account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Mkulima account n/a n/a 500 n/a n/a n/a n/a n/a n/a n/a
WAHI account n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Skonga n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
VIKOBA Individual savings n/a n/a 500 n/a n/a n/a n/a n/a n/a n/a
Monthly service fee Business Banking
Current account 18,000 15 20,000 10 10 5 35,000 15 15 7
VIKOBA current account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
VIKOBA savings account Free n/a Free n/a n/a n/a n/a n/a n/a n/a

Personal Banking
Current account 18,000 10 15,000 5 5 3 25,000 10 10 5
Savings account 3,000 1.50 3,000 1.5 1.5 1.5 15,000 5 5 3
Student account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Young Saver account 2,000 n/a Free Free Free Free n/a n/a n/a n/a
Joint account 3,000 1 5,000 2 2 1 15,000 5 5 3
Digital account 1,000 n/a 1,000 n/a n/a n/a n/a n/a n/a n/a
Pensioners account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Salary account 3,000 n/a 3,000 1.2 1.2 1.2 10,000 5 5 5
Mkulima account 3,000 n/a 3,000 n/a n/a n/a n/a n/a n/a n/a
WAHI account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Skonga Free n/a Free n/a n/a n/a n/a n/a n/a n/a
VIKOBA Individual savings Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Over-the-counter Business Banking
withdrawal 0.15% min 0.2% min
Current account 3,000 max 1.50% 7,500 max 0.2% min 7,500
120,000 120,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS max 120,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
VIKOBA current account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
VIKOBA savings account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Personal Banking
0.15% min 0.15% min 0.15% min
Current account 3,000 max 1.50% 4,000 max 4,000 max
120,000 4,000 up to
120,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 5,000 up to
120,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
TZS 20Mln, TZS 25Mln, plus
Savings account 3,000 1.50% plus 0.12% of 0.12% of the
the excess Equiv. in TZS Equiv. in TZS Equiv. in TZS excess amount Equiv. in TZS Equiv. in TZS Equiv. in TZS
Student account 3,000 n/a Free Free Free Free Free Free Free Free
Young Saver account Free n/a Free Free Free Free Free Free Free Free
4,000 for 7,500 for
amount up to amount up to
Joint account 3,000 n/a
TZS 20Mln, TZS 25Mln, else
else 0.12% Equiv. in TZS Equiv. in TZS Equiv. in TZS 0.12% Equiv. in TZS Equiv. in TZS Equiv. in TZS
Pensioners account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Salary account 3,000 n/a 3,000 1.2 1.2 1.2 5,000 2 2 2
Mkulima account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
WAHI account Free n/a Free n/a n/a n/a n/a n/a n/a n/a
Skonga Free n/a Free n/a n/a n/a n/a n/a n/a n/a
VIKOBA Individual savings Free n/a Free n/a n/a n/a n/a n/a n/a n/a
ATM Cash Withdrawal UMOJA 1,300 n/a 1,300 n/a n/a n/a 1,300 n/a n/a n/a
fees VISA
On us
From: TZS 1,000 - 20,000 n/a n/a 1,100 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,100 Equiv. in TZS Equiv. in TZS Equiv. in TZS
From: TZS 20,001 - 50,000 n/a n/a 1,200 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,200 Equiv. in TZS Equiv. in TZS Equiv. in TZS
From: TZS 50,001 - 100,000 n/a n/a 1,300 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,300 Equiv. in TZS Equiv. in TZS Equiv. in TZS
From: TZS 100,001 - 200,000 n/a n/a 1,400 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,400 Equiv. in TZS Equiv. in TZS Equiv. in TZS
From: TZS 200,001 - 400,000 n/a n/a 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS

From us
 ATM Withdrawal from other
n/a n/a
Domestic banks (off us) 3,450 Equiv. in TZS Equiv. in TZS Equiv. in TZS 3,540 Equiv. in TZS Equiv. in TZS Equiv. in TZS
ATM Withdrawal outside n/a n/a 7,080 Equiv. in TZS Equiv. in TZS Equiv. in TZS 7,080 Equiv. in TZS Equiv. in TZS Equiv. in TZS
ATM access fee (International n/a n/a 11,800 Equiv. in TZS Equiv. in TZS Equiv. in TZS 11,800 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Balance Enquiry ATM Balance Enquiry
UMOJA 300 n/a 300 n/a n/a n/a 300 n/a n/a n/a
VISA
DCB VISA ATM Balance n/a n/a 360 Equiv. in TZS Equiv. in TZS Equiv. in TZS 360 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Others (Domestic) ATM n/a n/a 950 Equiv. in TZS Equiv. in TZS Equiv. in TZS 950 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Others (International) ATM
n/a n/a
Balance Enquiry 1,180 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,180 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Balance Enquiry - POS 300 n/a 360 Equiv. in TZS Equiv. in TZS Equiv. in TZS 360 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Balance Enquiry Within Banking Hall 1,200 n/a 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS
DCB Internet Banking Free Free Free Free Free Free Free Free Free Free
DCB Mobile APP Free Free Free Free Free Free Free Free Free Free
Issuance Fees UMOJA Debit Card 13,000 n/a 13,000 n/a n/a n/a 13,000 n/a n/a n/a
VISA
Black Infinity Debit Card n/a n/a 15,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 15,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Classic Debit Card n/a n/a 10,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 10,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
VISA
Black Infinity Credit Card n/a n/a 18,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 18,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Classic Credit Card n/a n/a 12,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 12,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Replacement Fee UMOJA Debit Card 13,000 13,000 13,000 n/a n/a n/a 13,000 n/a n/a n/a
VISA
Black Infinity Debit Card n/a n/a 35,400 Equiv. in TZS Equiv. in TZS Equiv. in TZS 35,400 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Classic Debit Card n/a n/a 23,600 Equiv. in TZS Equiv. in TZS Equiv. in TZS 23,600 Equiv. in TZS Equiv. in TZS Equiv. in TZS
VISA
Black Infinity Credit Card n/a n/a Free Free Free Free Free Free Free Free
Classic Credit Card n/a n/a Free Free Free Free Free Free Free Free
Annual Card UMOJA Debit Card 1000 p.m 1000 p.m 1000 p.m n/a n/a n/a 1000 p.m n/a n/a n/a
Maintenance VISA
Black Infinity Debit Card n/a n/a 120,000 n/a n/a n/a 118,000 n/a n/a n/a
Classic Debit Card n/a n/a 35,400 n/a n/a n/a 35,400 n/a n/a n/a
VISA
Black Infinity Credit Card n/a n/a 100,000 n/a n/a n/a 100,000 n/a n/a n/a
Classic Credit Card n/a n/a 60,000 n/a n/a n/a 60,000 n/a n/a n/a
Other Card Fees Markup fee for Foreign Currency
n/a n/a
Transaction; ATM/POS/ONLINE 3% n/a n/a n/a 3% n/a n/a n/a
Late payment fee for Credit card(%) n/a n/a 10% n/a n/a n/a 10% n/a n/a n/a
Over limit fee for Credit card (%) n/a n/a 5% n/a n/a n/a 5% n/a n/a n/a
Cash advance fee for Credit card (%) n/a n/a 6% n/a n/a n/a 6% n/a n/a n/a
Interest Rate (Monthly) for Credit card (%) n/a n/a 3% n/a n/a n/a 3% n/a n/a n/a
Pin Re-issue (VISA) n/a n/a 5,900 n/a n/a n/a 5,900 n/a n/a n/a
Collection of VISA Card (debit card) at Non
n/a n/a
Domicile Branch 19,710 n/a n/a n/a 19,710 n/a n/a n/a
Uncollected and destroyed VISA Card
n/a n/a
debit card 6,610 n/a n/a n/a 6,610 n/a n/a n/a
First ID Card (Local and Foreign Currency) n/a n/a Free n/a n/a n/a Free n/a n/a n/a
Replacement of ID Card n/a n/a 6,610 n/a n/a n/a 6,610 n/a n/a n/a
Cash Deposit DCB Accounts Free Free Free Free Free Free Free Free Free Free
DCB Agency Banking Free Free Free Free Free Free Free Free Free Free
Bulk Cash Free Free Free Free Free Free Free Free Free Free
Deposit of Coins Free Free
10% of the amount 5% of n/a
the 5% of n/a
the 5% of n/a10% of the amount
the 5% of n/a
the 5% of n/a
the 5% of n/a
the
Small Denomination (1, 5, 10, and 20) Free Free n/a amount amount amount n/a amount amount amount
Cheque Deposit Cheque From other Banks Free Free Free Free Free Free Free Free Free Free
Inward Clearing 10,000 1,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,000 Equiv. in TZS Equiv. in TZS
Equivalent in TZS
Equiv. in TZS
 Cheque Deposit

Special Institutional Account - Inward 0.25% Min 23.6 0.25% Min 0.25% Min n/a 0.25% Min 0.25% Min 0.25% Min
Clearing International Cheque n/a n/a n/a Max 100 23.6 23.6 23.6 23.6 23.6
Max 100 Max 100 Max 100 Max 100 Max 100
Unpaid Cheque (Refer to drawer) - DCB
1% of value 1% of value
Special Institutional Accounts
Equivalent in TZS
min. 30,000 min. 30,000
max. 300,000 max. 300,000
38 38 38 38,400.00 38 38 38
Unpaid Cheque (Refer to drawer) - Others 1% min 1.5% min 1.5% min
30,000 max TBA 50,000 max 50,000 max
300,000 300,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 300,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Cheque Books Cheque Book 100 Leaves 120,000 TBA 120,000 60 n/a n/a 120,000 60 n/a n/a
Cheque Book 50 Leaves 60,000 TBA 60,000 30 n/a n/a 60,000 30 n/a n/a
Cheque Book 100 Leaves - DCB Special Institutional120,000
Accounts n/a Free Free Free n/a Free Free Free n/a
Stop Payment Order per leaf - DCB Special Institutional
25,000Accounts n/a Free Free Free n/a Free Free Free n/a
Stop payment order per leaf; Reported Lost/Stolen25,000
Cheque Book/leafn/a
(per notice)35,000 15 n/a n/a 35,000 15 n/a n/a
Bankers' Cheque Commission per issued Cheque 40,000 n/a 40,000 n/a n/a n/a 40,000 n/a n/a n/a
Cancellation of Banker's cheque n/a n/a 30,000 13 13 10 30,000 13 13 10
Commission per issued Cheque - DCB Special Institutionaln/a Accountsn/a Free Free Free Free Free Free Free Free
Cancellation of Bankers's Cheque - DCB Special Institutional
n/a Accounts
n/a Free Free Free Free Free Free Free Free
Money Transfer (within DCB Mobile Transfer Free n/a 500 n/a n/a n/a 500 n/a n/a n/a
DCB) DCB Internal Fund Transfer - Account to Account 500 n/a 500 n/a n/a n/a 500 n/a n/a n/a
Internal Fund Transfer - POS n/a n/a 500 n/a n/a n/a 500 n/a n/a n/a
Internal Fund Transfer - Back office Free Free 1,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
DCB Internet/ Electronic Monthly Fee per Retail user n/a n/a 1,500 1.5 1.5 1.5 1,500 1.5 1.5 1.5
Banking Monthly Fee per corporate user n/a n/a 7,500 5.5 5.5 5.5 7,500 5.5 5.5 5.5
Cheque Book Request 50 leaves n/a n/a 60,000 30 n/a n/a 60,000 30 n/a n/a
Cheque Book Request 100 leaves n/a n/a 120,000 60 n/a n/a 120,000 60 n/a n/a
Stop or Unblock Cheque Request n/a n/a 35,000 15 n/a n/a 35,000 15 n/a n/a
Internal Fund Transfer n/a n/a 500 Free Free Free 500 Free Free Free
Multiple Internal Fund Transfer per entry n/a n/a 500 Free Free Free 500 Free Free Free
Domestic Fund Transfer (EFT) n/a n/a 2,000 n/a n/a n/a 2,000 n/a n/a n/a
Real Time Gross Settlement (TISS) n/a n/a 10,000 Equiv. in TZS n/a n/a 10,000 Equiv. in TZS n/a n/a
Real Time Gross Settlement (SWIFT) n/a n/a $55 $55 $55 $55 $55 $55 $55 $55
Outgoing SWIFT Charge - Full Value Transfer n/a n/a $ 70 Flat $ 70 Flat $ 70 Flat $ 70 Flat $ 70 Flat $ 70 Flat $ 70 Flat $ 70 Flat
Bulk Processing – Multiple Payment (Internal) n/a n/a 500 Free Free Free 500 Free Free Free
Bulk Processing – Multiple Payment (EFT) n/a n/a 2,000 Free Free Free 2,000 Free Free Free
MT940 – per statement n/a n/a Equiv. to USD $12 Equiv. to USD Equiv. to USD Equiv. to USD $12 Equiv. to USD Equiv. to USD
Bank to E-Wallet - Bulk Payment n/a n/a 2,000 n/a n/a n/a 2,000 n/a n/a n/a
E-Wallet to Bank Collection n/a n/a 2,000 n/a n/a n/a 2,000 n/a n/a n/a
Bills Payment n/a n/a 700 Equiv. in TZS Equiv. in TZS Equiv. in TZS 700 Equiv. in TZS Equiv. in TZS Equiv. in TZS
SIA - Internal Transfer n/a n/a Free Free Free Free Free Free Free Free
SIA - Multiple Internal Fund Transfer per entry n/a n/a Free Free Free Free Free Free Free Free
SIA - Outgoing TISS n/a n/a 5,000 Equiv. in TZS n/a n/a 5,000 Equiv. in TZS n/a n/a
SIA - Bulk Processing – Multiple Payment Internal n/a n/a 500 Equiv. in TZS Equiv. in TZS Equiv. in TZS 500 Equiv. in TZS Equiv. in TZS Equiv. in TZS
SIA - Bulk Processing – Multiple Payment EFT n/a n/a 1,000 n/a n/a n/a 1,000 n/a n/a n/a
SIA-Bank to E-Wallet - Bulk Payment n/a n/a 1,000 n/a n/a n/a 1,000 n/a n/a n/a
SIA - Bulk Processing – Direct Debit n/a n/a 600 Equiv. in TZS Equiv. in TZS Equiv. in TZS 600 Equiv. in TZS Equiv. in TZS Equiv. in TZS
General Account Sweep Instruction per Entry n/a n/a 1,500 n/a n/a n/a 1,500 n/a n/a n/a
Operation and DCB POS Confirmation of Balance and Audit Statement 30,000 n/a 60,000 50 40 30 60,000 50 40 30
issuance fee for Agency Salary processing manually per entry 1,000 n/a 2,000 Equiv. in TZS n/a n/a 2,000 Equiv. in TZS n/a n/a
Banking Salary and Bulk payments outside the Bank 1,000 n/a 2,000 Equiv. in TZS n/a n/a 2,000 Equiv. in TZS n/a n/a
Advisory service - charged per advice n/a n/a 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,500 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Vouchers - Information less than one year 10,000 n/a 15,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 15,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Vouchers - Information exceeding 1 Year 20,000 n/a 25,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 25,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Vouchers information above 3 years 25,000 n/a 35,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 35,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Salary Alert per message Free Free 150 Equiv. in TZS Equiv. in TZS Equiv. in TZS 150 Equiv. in TZS Equiv. in TZS Equiv. in TZS
SMS Alert per account credit Free Free 150 Equiv. in TZS Equiv. in TZS Equiv. in TZS 150 Equiv. in TZS Equiv. in TZS Equiv. in TZS
SMS Alert per account debit Free Free Free Free Free Free Free Free Free Free
 Issuance fee - DCB POS for Agency
Free n/a
Banking 500,000 n/a n/a n/a 500,000 n/a n/a n/a
Court Order Closing of Account n/a n/a Free Free Free Free Free Free Free Free
SIA - Confirmation of Balance and Audit
n/a n/a
Statement Free Free Free Free Free Free Free Free
SIA - Salary processing manually per entry n/a n/a 500 n/a n/a n/a 500 n/a n/a n/a
SIA - Salary and Bulk payments outside the
n/a n/a
Bank 1,000 n/a n/a n/a 1,000 n/a n/a n/a
n/a n/a
SIA - Advisory service - charged per advice Free Free Free Free Free Free Free Free
SIA - Vouchers - Information less than one
10,000 n/a
year Free Free Free Free Free Free Free Free
SIA - Vouchers - Information exceeding 1 20,000 n/a 7,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 7,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
SIA - Vouchers information above 3 years 25,000 n/a 20,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 20,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Electronic Fund Transfer Incoming to the DCB Bank Free Free Free Free Free Free Free Free Free Free
(EFT) Ongoing or Outward to other Bank 1,000
Equivalent in TZS 2,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 10,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
DCB Special Institutional Account (SIA) -
1,000
Equivalent in TZS
Outgoing 1,000 n/a n/a n/a 5,000 n/a n/a n/a
Standing Order SI - Set up/Amendment/closure Free Free Free Free Free Free Free Free Free Free
Instruction SI-Execution per Entry within DCB Free Free Free Free Free Free Free Free Free Free
SI-Execution per Entry outside DCB 5,000
Equivalent in TZS 15,000 10 10 10 15,000 10 10 10
Unpaid SI due to Insufficient funds n/a n/a 8,000 5 5 5 8,000 5 5 5
Telegraphic Transfer Incoming TISS and SWIFT Free Free Free Free Free Free Free Free Free Free
(RTGS) Outgoing TISS Charge 10,000
Equivalent in TZS 10,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS 10,000 Equiv. in TZS Equiv. in TZS Equiv. in TZS
Outgoing SWIFT Charge - Full Value
n/a n/a
Transfer $70 $70 $70 $70 $70 $70 $70 $70
Outgoing SWIFT Charge n/a n/a $55 $55 $55 $55 $55 $55 $55 $55
Outgoing SWIFT Commission n/a n/a Free Free Free Free Free Free Free Free
Overseas Charges Bank Charges - BEN n/a n/a Free Free Free Free Free Free Free Free
Overseas Charges Bank Charges - OUR n/a n/a $45 $45 $45 $45 $45 $45 $45 $45
0.5% Min 0.5% Min
Beneficiary Maintain Account at other
n/a n/a 0.5% Min $45 0.5% Min $45 0.5% Min $45 0.5% Min $45 0.5% Min $45 $45 Max $45 Max 0.5% Min $45
Bank
Max $160 Max $160 Max $160 Max $160 Max $160 $160 $160 Max $160
Cancellation/Return/Stop Payment n/a n/a $7 $7 $7 $7 $7 $7 $7 $7
Direct Debit Direct debit Services (Above 5000
n/a n/a 400 Equiv. in TZS Equiv. in TZS Equiv. in TZS 400 Equiv. in TZS Equiv. in TZS Equiv. in TZS
transactions per month)
Direct debit Services (2000 to 5000
n/a n/a 800 Equiv. in TZS Equiv. in TZS Equiv. in TZS 800 Equiv. in TZS Equiv. in TZS Equiv. in TZS
transactions per month)
Direct debit Services (below 2000
n/a n/a 1,200 Equiv. in TZS Equiv. in TZS Equiv. in TZS 1,200 Equiv. in TZS Equiv. in TZS Equiv. in TZS
transactions per month)
GePG Payments at DCB
GePG Payments Free n/a Free Free Free Free Free Free Free Free
Wakala
Money transfer from From: TZS 5,000 - 10,000 500 n/a 900 n/a n/a n/a 900 n/a n/a n/a
DCB to MNOs (B2C) From: TZS 10,001 - 19,999 1,000 n/a 1,800 n/a n/a n/a 1,800 n/a n/a n/a
From: TZS 20,000 - 49,999 1,500 n/a 3,500 n/a n/a n/a 3,500 n/a n/a n/a
From: TZS 50,000 - 99,999 2,200 n/a 5,200 n/a n/a n/a 5,200 n/a n/a n/a
From: TZS 100,000 - 199,999 2,800 n/a 7,100 n/a n/a n/a 7,100 n/a n/a n/a
From: TZS 200,000 - 499,999 4,500 n/a 8,200 n/a n/a n/a 8,200 n/a n/a n/a
From: TZS 500,000 - 999,999 5,500 n/a 10,500 n/a n/a n/a 10,500 n/a n/a n/a
From: TZS 1,000,000 - 2,000,000 7,000 n/a 11,200 n/a n/a n/a 11,200 n/a n/a n/a
From: TZS 2,000,001 - 3,000,000 7,500 n/a 12,000 n/a n/a n/a 12,000 n/a n/a n/a
Cash Withdrawal DCB From: TZS 5,000 - 10,000 500 n/a 500 n/a n/a n/a 500 n/a n/a n/a
Agent From: TZS 10,001 - 19,999 1,000 n/a 1,000 n/a n/a n/a 1,000 n/a n/a n/a
From: TZS 20,000 - 49,999 1,200 n/a 1,200 n/a n/a n/a 1,200 n/a n/a n/a
From: TZS 50,000 - 99,999 2,200 n/a 2,200 n/a n/a n/a 2,200 n/a n/a n/a
From: TZS 100,000 - 199,999 3,500 n/a 3,500 n/a n/a n/a 3,500 n/a n/a n/a
From: TZS 200,000 - 499,999 6,300 n/a 6,300 n/a n/a n/a 6,300 n/a n/a n/a
From: TZS 500,000 - 999,999 6,500 n/a 6,500 n/a n/a n/a 6,500 n/a n/a n/a
From: TZS 1,000,000 - 2,000,000 7,200 n/a 7,200 n/a n/a n/a 7,200 n/a n/a n/a
 Agent

From: TZS 2,000,001 - 3,000,000 7,500 n/a 7,500 n/a n/a n/a 7,500 n/a n/a n/a
Account Statements ATM Min Statement
Umoja n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
VISA n/a n/a 400 n/a n/a n/a 400 n/a n/a n/a
Mini Statement - Agency Banking 350 n/a 400 n/a n/a n/a 400 n/a n/a n/a
Mobile Min Statement 350 n/a 400 n/a n/a n/a 400 n/a n/a n/a
Mobile Full Statement - One Month n/a n/a 600 n/a n/a n/a 600 n/a n/a n/a
Mobile Full Statement - Three Months n/a n/a 1,000 n/a n/a n/a 1,000 n/a n/a n/a
Mobile Full Statement - Six Months n/a n/a 1,500 n/a n/a n/a 1,500 n/a n/a n/a
Mobile Full Statement - Twelve Months n/a n/a 2,000 n/a n/a n/a 2,000 n/a n/a n/a
E-statement Per Month Free Free Free Free Free Free Free Free Free Free
Account statement on Banking Hall per
Free Free
month 1000 per page Equiv. in TZS Equiv. in TZS Equiv. in TZS 1000 per page Equiv. in TZS Equiv. in TZS Equiv. in TZS
1000 per 1000 per
SIA - Bank statements
page page 1000 per page Equiv. in TZS Equiv. in TZS Equiv. in TZS 1000 per page Equiv. in TZS Equiv. in TZS Equiv. in TZS
Dormant Account Re- All accounts Free Free Free Free Free Free Free Free Free Free
Monthly Dormancy All accounts
n/a n/a Free Free Free Free Free Free Free Free
Account Fee
ATM withdraw Limit per UMOJA Debit Card 1,000,000 n/a 1,000,000 n/a n/a n/a 1,000,000 n/a n/a n/a
Day Black Infinity Debit Card n/a n/a 5,000,000 n/a n/a n/a 5,000,000 n/a n/a n/a
Classic Debit Card n/a n/a 1,000,000 n/a n/a n/a 1,000,000 n/a n/a n/a
POS (Merchant Black Infinity Debit Card n/a n/a 20,000,000 n/a n/a n/a 20,000,000 n/a n/a n/a
Purchase) Limit per Day Classic Debit Card n/a n/a 10,000,000 n/a n/a n/a 10,000,000 n/a n/a n/a
E-Commerce Limit per Black Infinity Debit Card n/a n/a 20,000,000 n/a n/a n/a 20,000,000 n/a n/a n/a
Day Classic Debit Card n/a n/a 10,000,000 n/a n/a n/a 10,000,000 n/a n/a n/a
Max Limits per DCB ATM transactions 400,000 n/a 400,000 n/a n/a n/a 400,000 n/a n/a n/a
transaction DCB Mobile transactions 3,000,000 n/a 3,000,000 n/a n/a n/a 3,000,000 n/a n/a n/a
DCB Agency Banking 3,000,000 n/a 3,000,000 n/a n/a n/a 3,000,000 n/a n/a n/a
DCB Mobile Fund Within DCB (Account to Account) No limit No limit 6,000,000 n/a n/a n/a 6,000,000 n/a n/a n/a
Transfer limit per Day Outside DCB (to other Banks) n/a n/a 6,000,000 n/a n/a n/a 6,000,000 n/a n/a n/a
Outside DCB (to MNOs - TigoPesa, M-
6,000,000 n/a
Pesa, Airtel Money etc) 6,000,000 n/a n/a n/a 6,000,000 n/a n/a n/a
DCB Wallet Account No limit No limit 6,000,000 n/a n/a n/a 6,000,000 n/a n/a n/a
Bills Payments No limit No limit No limit n/a n/a n/a No limit n/a n/a n/a
Other Limits LUKU Purchase on DCB Mobile & DCB
No limit No limit
ATM 400,000 n/a n/a n/a 400,000 n/a n/a n/a
DCB Agency Banking No limit No limit 10,000,000 n/a n/a n/a 10,000,000 n/a n/a n/a
DCB Agency Banking - Cardless
No limit No limit
Cashwithdrawal 1,000,000 n/a n/a n/a 1,000,000 n/a n/a n/a
Airtime Purchase Daily Limit No limit No limit 100,000 n/a n/a n/a 100,000 n/a n/a n/a
MVISA P2P From: 1,000 - 5,000 n/a n/a 400 n/a n/a n/a 400 n/a n/a n/a
Money Transfer (On us) From: 5,001 - 30,000 n/a n/a 1,500 n/a n/a n/a 1,500 n/a n/a n/a
From: 30,001 - 100,000 n/a n/a 1,900 n/a n/a n/a 1,900 n/a n/a n/a
From: 100,001 - 300,000 n/a n/a 2,900 n/a n/a n/a 2,900 n/a n/a n/a
From: 300,001 - 600,000 n/a n/a 3,100 n/a n/a n/a 3,100 n/a n/a n/a
From: 600,001 - 1,000,000 n/a n/a 3,700 n/a n/a n/a 3,700 n/a n/a n/a
From: 1,000,001 - 2,000,000 n/a n/a 4,700 n/a n/a n/a 4,700 n/a n/a n/a
MVISA P2P From: 1,000 - 5,000 n/a n/a 600 n/a n/a n/a 600 n/a n/a n/a
Money From: 5,001 - 30,000 n/a n/a 2,100 n/a n/a n/a 2,100 n/a n/a n/a
Transfer(Domestic) From: 30,001 - 100,000 n/a n/a 2,700 n/a n/a n/a 2,700 n/a n/a n/a
From: 100,001 - 300,000 n/a n/a 4,000 n/a n/a n/a 4,000 n/a n/a n/a
From: 300,001 - 600,000 n/a n/a 4,400 n/a n/a n/a 4,400 n/a n/a n/a
From: 600,001 - 1,000,000 n/a n/a 5,200 n/a n/a n/a 5,200 n/a n/a n/a
From: 1,000,001 - 2,000,000 n/a n/a 6,600 n/a n/a n/a 6,600 n/a n/a n/a
MVISA P2P From: 1,000 - 5,000 n/a n/a 1,300 n/a n/a n/a 1,300 n/a n/a n/a
Money Transfer(Inter- From: 5,001 - 30,000 n/a n/a 4,500 n/a n/a n/a 4,500 n/a n/a n/a
national) From: 30,001 - 100,000 n/a n/a 5,800 n/a n/a n/a 5,800 n/a n/a n/a
From: 100,001 - 300,000 n/a n/a 8,700 n/a n/a n/a 8,700 n/a n/a n/a
From: 300,001 - 600,000 n/a n/a 9,400 n/a n/a n/a 9,400 n/a n/a n/a
 MVISA P2P
Money Transfer(Inter-
national)

From: 600,001 - 1,000,000 n/a n/a 11,200 n/a n/a n/a 11,200 n/a n/a n/a
From: 1,000,001 - 2,000,000 n/a n/a 14,100 n/a n/a n/a 14,100 n/a n/a n/a
Safe Custody Medium Semi-annually 25,000 n/a 25,000 n/a n/a n/a 25,000 n/a n/a n/a
Large Semi-annualy 50,000 n/a 50,000 n/a n/a n/a 50,000 n/a n/a n/a
Sealed envelop 25,000 n/a 25,000 n/a n/a n/a 25,000 n/a n/a n/a
Access Fees 5,000 n/a 5,000
Quatation n/a
Quatation n/a
Quatation n/a
Quatation 5,000
Quatation n/a
Quatation n/a
Quatation n/a
Quatation
CIT Services available on available on available on available on available on available on available on available on
Per trip within 20km radius 100,000 n/a
request request request request request request request request
LCs' Imports
Risk Margin n/a n/a Equiv. to USD 0.85% pq, min $590
Equiv.
pq to USD Equiv. to USD Equiv. to USD 0.85% pq, minEquiv.
$590 to
pqUSD Equiv. to USD
Handling Fees n/a n/a Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD
Swift Charges n/a n/a Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD
Examination n/a n/a Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD
Extension to next quarter n/a n/a Equiv. to USD 0.85% pq, min $590
Equiv.
pq to USD Equiv. to USD Equiv. to USD 0.85% pq, minEquiv.
$590 to
pqUSD Equiv. to USD
Risk Margin on acceptance n/a n/a Equiv. to USD 0.85% pq, min $590
Equiv.
pq to USD Equiv. to USD Equiv. to USD 0.85% pq, minEquiv.
$590 to
pqUSD Equiv. to USD
Cancellation n/a n/a Equiv. to USD $118 Flat Equiv. to USD Equiv. to USD Equiv. to USD $118 Flat Equiv. to USD Equiv. to USD
Exports
Advising Commission n/a n/a Equiv. to USD
$415 (all inclusive) Equiv. to USD Equiv. to USD Equiv. to USD
$415 (all inclusive) Equiv. to USD Equiv. to USD
Swift Charges n/a n/a Equiv. to USD $70 Flat Equiv. to USD Equiv. to USD Equiv. to USD $70 Flat Equiv. to USD Equiv. to USD
Documents examination fees n/a n/a Equiv. to USD $115 Equiv. to USD Equiv. to USD Equiv. to USD $115 Equiv. to USD Equiv. to USD
Courier charges n/a n/a Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD Equiv. to USD $115 Flat Equiv. to USD Equiv. to USD
Risk Margin on acceptance n/a n/a Equiv. to
0.85%
USD pq, min $590 pq Equiv. to USD Equiv. to USD Equiv.0.85%
to USDpq, min $590 pq Equiv. to USD Equiv. to USD
Confirmation n/a n/a Equiv. to
0.85%
USD pq, min $590 pq Equiv. to USD Equiv. to USD Equiv.0.85%
to USDpq, min $590 pq Equiv. to USD Equiv. to USD
Refinancing

Interest on Refinancing n/a n/a Current Current Current Current Current Current Current Current
Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate
(Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable)
Commission on Refinancing n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Discounting

Interest on discounting - confirmed LC n/a n/a Current Current Current Current Current Current Current Current
Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate
(Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable)

Interest on discounting - non confirmed LC n/a n/a Current Current Current Current Current Current Current Current
Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate Lending Rate
(Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable) (Negotiable)
Bill Discounting ( Bills of
exchange including Interest on discounting n/a n/a
cheques)
Documentary Collections Exports
Handling Charges n/a n/a Equiv. to $350
USD Flat all Inclusive n/a n/a Equiv. to $350
USDFlat all Inclusive n/a n/a
Courier Charges n/a n/aInclusive in aboveInclusive in above n/a n/aInclusive in above
Inclusive in above n/a n/a
Chasing Commission n/a n/aInclusive in aboveInclusive in above n/a n/aInclusive in above
Inclusive in above n/a n/a
Imports
Commission n/a n/a Equiv. to $350
USD Flat all Inclusive n/a n/a Equiv. to
$350
USDFlat all Inclusive n/a n/a
Swift Charges n/a n/a Equiv. to USD $ 55 n/a n/a Equiv. to USD $ 55 n/a n/a
Trade Finance Guarantee Facilities n/a n/a 0.85%pq,0.85%pq,
min 1,200,000
min $ 590pq pq n/a n/a 0.85%pq, min 1,200,000
0.85%pq, pqmin $ 590 pq n/a n/a
Handling Fees n/a n/a Equiv. to USD $70 n/a n/a Equiv. to USD $70 n/a n/a
Cash Cover n/a n/a 0.85%pq,0.85%pq,
min 1,000,000
min $ 550pq pq n/a n/a 0.85%pq,
0.85%pq,
min 1,000,000
min $ 550 pqpq n/a n/a
Amendment n/a n/a Equiv. to USD $118 n/a n/a Equiv. to USD $118 n/a n/a
Extension to next quarter n/a n/a 0.85%pq 0.85%pq n/a n/a 0.85%pq 0.85%pq n/a n/a
Cancellation n/a n/a Equiv. to USD $118 n/a n/a Equiv. to USD $118 n/a n/a
Amount Increase n/a n/a 0.85%pq on the 0.85%pq
differenceon the difference n/a n/a 0.85%pq on the difference
0.85%pq on the difference
n/a n/a
Loans and Advance Business Banking
Loans and Advance
Interest Rate
Up to 30Mln (Monthly/ Flat) 24% n/a 24% n/a n/a n/a 24% n/a n/a n/a
31Mln to 100Mln (Per annum / Reducing) 22% - 24% n/a 22% - 24% n/a n/a n/a 22% - 24% n/a n/a n/a
Above 100Mln ( Per annum / Reducing) 19% - 24% n/a 19% - 24% n/a n/a n/a 19% - 24% n/a n/a n/a
Commitment Fees 3% n/a 3% n/a n/a n/a 3% n/a n/a n/a
0.5% Min 0.5% Min 0.5% Min
Application and Monitoring Fees 20,000 Max n/a 20,000 Max 20,000 Max
1,000,000 1,000,000 n/a n/a n/a 1,000,000 n/a n/a n/a
Min 50,000 Min 50,000 Min 50,000
Legal Fees n/a
Max 300,000 Max 300,000 Max 300,000
n/a n/a n/a n/a n/a n/a
Commission on issuance of bond (Per
1.5% n/a 1.5% 1.5%
Quarter) n/a n/a n/a n/a n/a n/a
Personal Banking
Interest Rate On Loans (Reducing) per
19% - 25% n/a 19% - 25% 19% - 25%
annum n/a n/a n/a n/a n/a n/a
Interest Rate On Mortgages 19% n/a 19% n/a n/a n/a 19% n/a n/a n/a
Interest Rate On Micro Housing 23% n/a 23% n/a n/a n/a 23% n/a n/a n/a
Commitment Fees 2.5% n/a 2.5% n/a n/a n/a 2.5% n/a n/a n/a
Administration Fees 3% n/a 3% n/a n/a n/a 3% n/a n/a n/a
Interest Rate on Salary Advance (Monthly) 10% n/a 10% n/a n/a n/a 10% n/a n/a n/a
Min 50,000 Min 50,000 Min 50,000
n/a
Max 300,000 Max 300,000 Max 300,000
Legal Fees n/a n/a n/a n/a n/a n/a
MicroFinance
Interest Rate on Loans (Monthly/ Flat) 35% n/a 35% n/a n/a n/a 35% n/a n/a n/a
Commitment Fees 3% n/a 3% n/a n/a n/a 3% n/a n/a n/a
Registartion fee (one time) 5,000 6,000
Late payment fee n/a n/a 5% n/a n/a n/a n/a n/a n/a