MINIMUM DISCLOSURE OF BANK FEES AND CHARGES 2023

ITEM/TRANSACTION FREQUENCY TZS USD/EUR GBP ITEM/TRANSACTION FREQUENCY TZS USD/EUR GBP

CURRENT ACCOUNTS CASH WITHDRAW OVER THE COUNTER

1: Required minimum opening Per transaction for
balance 1.2% min 5.9 1.2% min 5.9
Bidii Account amount up to 20 4,720
Corporate Customers Per Account 100,000 100 100 max 150 max 150
million.
SMEs Per Account 100,000 100 100 TZS ≤ 100,000 4,920
Personal Customers Per Account 100,000 100 100 TZS 100,001 -
5,700
500,000
Financial Institutions (Banks) Per Account 100,000 100 100
TZS 500,001 -
Bidii Per Account 50,000 n/a n/a 6,200
1,000,000
2: Monthly service fee
TZS 1,000,001 -
Corporate Customers Per Month 20,000 14.16 9.44 Savings accounts 8,100
5,000,000
SMEs Per Month 15,340 14.16 9.44 **except those exempted from 1.2% min 5.9 1.2% min 5.9
charges TZS 5,000,001 -
11,500
Personal Customers Per Month 15,340 14.16 9.44 10,000,000
TZS 10,000,001 -
Financial Institutions (Banks) Per Month 236,000 14.16 9.44 17,500
15,000,000
Bidii Per Month 2,500 2 n/a TZS 15,000,001 -
24,500
3: Account Closure 25,000,000
Current Account Per Account 23,600 24 12 > TZS 25,000,000 0.12% Max 177,000
4: Cheque Book ITEM/TRANSACTION FREQUENCY TZS USD/EUR GBP
Per leaf (Stamp ATM CASH WITHDRAWAL
Cheque Book order 500 0.35 0.35
Duty inclusive).
1.2% of the amount 1.2%of the 1.2% of the CRDB ATMs (Card)
Stop Payment Order Per cheque min.59,000 max. amount min amount min 5,000 - 100,000 Per Transaction 1,300
354,000 35.4 max. 354 17.7 max. 177
100,001-200,000 Per Transaction 1,500 Equivalent n/a
Stop /unblock cheque leaf Per leaf 23,600 max 47,200 Equivalent Equivalent
Encashment of third party cheque 200,001-600,000 Per Transaction 1,700
Per cheque Free Free Free
without checklist Other local banks’ ATMs Per Transaction 4,720 n/a n/a
1.2% of the amount Other banks’ ATM outside the
Unpaid cheque for reason “Refer to Per Transaction 10,030 + 1% Equivalent Equivalent
Per cheque min. 177,000 max. 118 118 country
Drawer or Effect not Cleared”
354,000
ELECTRONIC BANKING
5: Standing Order
Within CRDB Bank Per transaction Free Free Free 1: Internet Banking
To other Banks Per transaction 17,700 17.7 11.8
Balance Inquiry Per Inquiry Free Free Free
6: Balance Inquiry
Funds Transfer [Within CRDB] Per Transaction Free Free Free
Over the counter (OTC) Per enquiry 2,000 Free Free
Statement Per Statement Free Free Free
At our ATMs -Customers Per enquiry 400 0.18 n/a
Bills Payment Per Transaction 590 0.3 0.3
At our ATMs -Other local banks'
Per enquiry 944 0.47 n/a 2: SimBanking
customers
7: Card Issuance APP Free n/a n/a
TemboCard Fahari Per Card 5,900 Equivalent n/a Balance Inquiry
USSD 400 n/a n/a
MasterCard/Visa Electron Per Card 5,900 Equivalent n/a Transfer to own account Per Transaction Free n/a n/a
TemboCard Visa Gold Per Card 5,900 Free n/a Transfer to 3rd party account Per Transaction Free n/a n/a
TemboCard Visa/Mastercard Mini Statement (USSD) Per Statement 450 n/a n/a
Per Card Free Free n/a
Platinum Top Up Per Transaction Free n/a n/a
TemboCard Visa Infinity/Mastercard
Per Card Free Free n/a Bills Payment Per Transaction Free n/a n/a
World
8: Renewal of Cards/Expiry 3: Transfer to MNO’s (Mobile Networks)
TemboCard Fahari Per Card 5,900 2.95 n/a
0 - 9,999 Per Transaction 500 n/a n/a
MasterCard/Visa Electron Per Card 11,799 5.9 n/a
10,000 -19,999 Per Transaction 2,000 n/a n/a
TemboCard Visa Gold Per Card 11,800 5.9 n/a
20,000 - 29,999 Per Transaction 2,600 n/a n/a
TemboCard Visa/Mastercard
Per Card 23,600 11.8 n/a 30,000 - 49,999 Per Transaction 3,800 n/a n/a
Platinum
50,000 - 99,999 Per Transaction 5,000 n/a n/a
TemboCard Visa Infinity/Mastercard
Per Card Free Free n/a 100,000 - 199,999 Per Transaction 6,700 n/a n/a
World
200,000 - 299,999 Per Transaction 7,500 n/a n/a
SAVINGS ACCOUNTS 300,000- 399,999 Per Transaction 7,800 n/a n/a
400,000 - 499,999 Per Transaction 8,700 n/a n/a
1: Required minimum opening
500,000 - 699,999 Per Transaction 10,500 n/a n/a
balance
700,000 - 799,999 Per Transaction 10,500 n/a n/a
Normal Savings Account Per Account 20,000 100 100 800,000 - 999,999 Per Transaction 10,700 n/a n/a
Salary Account Per Account 20,000 n/a n/a 1,000,000 &Above Per Transaction 11,800 n/a n/a
Busara Account Per Account 20,000 n/a n/a TISS TRANSFER
Scholar Account Per Account 5,000 n/a n/a
Outward transfers Per Transaction 11,800 USD Equiv USD Equiv
Junior Jumbo Per Account 20,000 20 20
Inward transfers Per Transaction Free Free Free
Malkia Per Account 5,000 Equivalent Equivalent
Thamani Per Account 1,000,000 n/a n/a LOANS
Dhahabu Per Account 100,000 n/a n/a 1: Facility Fee
Tanzanite Per Account 100,000 100 100 2.00% on whole 2.00% on 2.00% on
Personal loan - First application Per Loan
2: Monthly service fee amount whole amount whole amount
Normal Savings Account Per Month 2,000 2.95 2.95 2.00% on whole 2.00% on 2.00% on
Personal loan - Refinancing Per Loan
amount whole amount whole amount
Salary Account Per Month 1,770 2.95 2.95
1.77% on 1.77% on
SME/MSE and Agri Loan -First 1.77% on Whole
Busara Account Per Month Free n/a n/a Per Loan Whole Whole
Application Amount
Scholar Account Per Month Free n/a n/a Amount Amount

Junior Jumbo Per Month Free Free Free Corporate

Malkia Per Month Free Free Free (a): Cash Secured Per Loan 0.50% Free Free
Thamani Per Month Free n/a n/a
(b): Secured by other legal
Dhahabu Per Month Free n/a n/a mortgage
Tanzanite Per Month 1,770 2.95 2.95
New Per Loan 1.77% 1.77% 1.77%
3: Account Closure
Renewal Per Loan 1.48% 1.48% 1.48%
Savings Account Per Account 5,900 6 4
Restructuring Per Loan 0.59% 0.59% 0.59%
STATEMENT OF ACCOUNT
Enhancing Per Loan 1.48% 1.48% 1.48%
E-statement monthly Per Month Free Free Free 1.0% min 100
1.0% min 100,000
Jijenge Per Loan USD ,max n/a
Periodic schedule statement Per Month Free Free Free max 1,000,000
1,000 USD
Mini statement Over the Counter Per Statement 2,360 1.18 1.18
2: Unpaid Loan Instalment
Adhoc Statement - All Accounts Per Statement 1,999 0.9 0.9
Excess over limit and unpaid loan
ATM Statement Per Statement 450 Free Free 4% 4% 4%
instalments penalty
CASH WITHDRAW OVER THE COUNTER DEPOSIT RATES
Deposits upto TZS 1 Billion
TZS ≤ 100,000 7,000 3 Months 2% - 3%
6 Months 2.5% - 4%
TZS 100,001 -
7,500 9 Months 3% - 4.5%
500,000
TZS 500,001 - 12 Months 3.5% - 5%
8,000
1,000,000 24 Months 3.5% - 5%
TZS 1,000,001 -
10,000 36 Months ( Thamani ) 5%
Current Account 5,000,000 1.2% min 5.9 1.2% min 5.9
TZS 5,000,001 - LENDING RATES
15,500
10,000,000 Prime lending rate ( Declining ) 13.50%
TZS 10,000,001 -
20,000 TRANSACTION/SERVICE DETAILS RATE(USD)
15,000,000
TZS 15,000,001 - Foreign Funds Transfers BEN/SHA/OUR(Excluding Oversease Charges) USD 55 Flat
28,000
25,000,000
> TZS 25,000,000 0.12% Max 177,000 Estimated Oversease Bank Charges USD 30

All Rates and Charges are VAT inclusive