Personal Accounts

Biashara Account suits the business person, whether as an individual, in groups, clubs or in an organizational set-up.

• No ledger fees
• Access to cheque books for easy payments.
• Unlimited deposits of any amount
• Competitive interest rates on deposits
• Unlimited daily access to your funds via over the counter withdrawals, ATMs, and Rafiki Mkononi App

• Original and copy of national ID/ passport
• 1 passport size photo
• Certificate of registration of the business
• Copy of KRA PIN certificate
• Dully filled account opening form

This account provides a platform for anyone with an intention to save (long term for a project) without access as withdrawal is limited to thrice a year.

• Competitive Interest rates
• Easy way to save and raise money for business and projects (mradi)
• Loan facility of up to 90% of Mradi deposits at reasonable interest rates payable in a maximum of 12 months.
• Minimum savings plan of 3 months
• Withdrawal allowed once per quarter to build deposits

• Original and copy of national ID/passport
• 1 passport size photo
• Copy of KRA PIN certificate
• Dully filled account opening form

This account is for parents who want to invest and secure the future of their children below 18 years. This inculcates the culture of saving in children.

• Minimum opening/operating balance of KES. 0.00
• Two free statements in a year
• One free withdrawal per quarter; Extra withdrawals within the quarter will attract a fee of KES. 0.00
• Clients graduates automatically to Rafiki savings account after 18yrs
• Free banker’s cheques for fees on school opening.
• Free internal transfers (if guardian /Parent/ school is an account holder).

• Original and copy of guardian’s national ID/passport
• A copy of guardians/ parents KRA PIN
• Passport photo of the child
• Birth certificate
• Dully filled application form

This account is for the savings of the future investment, either property ownership or home ownership.

• Ideal for individuals, groups and limited liability companies.
• No ledger fees
• One withdrawal per quarter