Individual Accounts

Opening BalanceMinimum BalanceMonthly MaintenanceDebit Card New/Replacement Fee
Insta-SaveZWL 75 000ZWL30 000ZWL 1 5 0 0 0ZWL75000
Easy TransactZWL 150 000ZWL 75 000ZWL45 000ZWL 75 000
Seniors$0.00No ChargeZWL 75 000
Ahoyi Student AccountZWL 175 000No ChargeZWL 75 000
SubscriptionZWL 150 000No Minimum
balance
No Charge
Access SaveZWL 150 000No Minimum BalanceNo Charge

Business Accounts

Opening AccountMinimum BalanceMonthly Maintenance FeeDebit Card New/ Replacement Fee
Business TransactZWL 1.5
million
ZWL 750 000ZWL 450 OOOZWL75000
SME’s ZWL 300 000ZWL 300 000ZWL 75 000ZWL75000

Domestic Nostro Accounts – Individual

Minimum BalanceMonthly Maintenance FeeCash Withdrawal FeesInternal Transfer USSD and InternetSwitch Fees USSD and Internet
USD$4.002 . 5 %, minimum
3.50USD
1%, minimum
2,50USD
maximum
3,50USD
$1

Credit Facilities

Mortgages
(Residential)
Micro-MortgagesSolar Loan (SELF)Personal LendingSME Loans
Loan Application Fee1% minimum
USD10
maximum USD100
1% minimum
USD10
maximum USD100
2%, minimum $ 750 maximum $7 5001% minimum
ZWL 150 000
maximum
USD1.5 million
1% minimum
ZWL 150 000
maximum
USD1.5 million
TenureUpto to 25 yearsUp to 5 yearsUp to 12 monthsUp to 12 monthsUp to 36 months
Interest Rate 18% p.a 18% p.a 75% p.a 100 % p.a 150% p.a

Transactional Fees

Cash DepositNo Charge
Cash Withdrawal (in-branch)3%, min ZWL5,000
POS & ATM Cash Withdrawal3%, min ZWL5,000
RTGS: Branch (Paper-based)2%, minimum $15 000, maximum $100 000
RTGS: Internet & mobile banking2%, minimum $3 800, maximum $21 000
ZIPIT Send2.5%, minimum $5 000
Mobile Banking RTGS
Transfer
2%, minimum ZWL 15 000,
maximum ZWL100 000
Internal Transfer: Branch1%, minimum ZWL 10 000,
maximum ZWL60 000
InternalTransfer: (Internet and
mobile banking
1%, minimum ZWL 10 000,
maximum ZWL60 000
Ecocash (Bank to Wallet)2.5%min Z W L 5, 000
Debit Card Usage Fee1.5%min Z W L 1 000, maximum
ZWL 20 000
Statement Request Fee (printed, per page)ZWL7 500

Notice of Review of Bank Charges

Please be advised that we are in the process of reviewing our bank charges. Once finalized, these new business conditions will be available on our website (www.nbs.co.zw) and in our branches.