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Tariffs and Charges

With effect from 1st January 2023

General Tariff

DETAIL	RATE
Internal: per entry	KShs. 75
External: per entry	KShs. 350
Amendments: per instruction	KShs. 250
Unpaid Standing Order: per instruction	KShs. 2,000

DETAIL	RATE
Per entry internal	KShs. 50
Per entry external - On Channels	KShs. 250
Per entry external - At Branches	KShs. 543

DETAIL	RATE
Less Than 1 Year Old: Per Record	KShs. 400
More Than 1 Year Old: Per Record	KShs. 900

DETAIL	RATE
By Us For Financial Reasons: Per Cheque	KShs. 2,500
For Technical Reasons: Per Cheque	KShs. 600
By Other Banks: Per Cheque	KShs. 600

DETAIL	RATE
Balance Certificates: Per Certificate	KShs. 250
Interest Certificates: Per Certificate	KShs. 500

DETAIL	RATE
Inward & Outward	KShs. 1,000

DETAIL	RATE
EFT (Less Than KShs. 1M) - On Channels	KShs. 380
EFT (Less Than KShs. 1M) - At Branches	KShs. 543
SWIFT (RTGS): (Will be retained in case of failed RTGS also)	KShs. 543
SWIFT inquiry/ investigation (Where a message needs to be sent)	KShs. 1,000
SWIFT repair charges	KShs. 1,000
SWIFT remittance RECALL	KShs. 1,000

PESALINK
Transaction for amounts	Charges
Kshs. 500 and below	Nil
Kshs. 501 - 10,000	KShs. 44
Kshs. 10,001 - 50,000	KShs. 66
Kshs. 50,001 - 100,000	KShs. 87
Kshs. 100,001 - 200,000	KShs. 109
Kshs. 200,001 - 500,000	KShs. 131
Kshs. 500,001 - 999,999	KShs. 163

DETAIL	RATE
i-Tax Cash Payments - Account holders	KShs. 500
i-Tax Cash Payment - Non-Account holders	KShs. 500
i-Tax payments through other transfers	KShs. 350

Transaction Range	Fee Chargeable
KShs. 0 - 10,000	2% of Transaction Amount
KShs. 10,001 - 100,000	KShs. 250
KShs. 100,001 - 499,999	KShs. 350
KShs. over 500,000	KShs. 500

DETAIL	RATE
Set Up Fees	KShs. 300
Outward/inward	KShs. 100
Inward returned	KShs. 2,000
Outward returned	KShs. 500

DETAIL	RATE
Per cheque	KShs. 250

DETAIL	RATE
Temporary Overdraft	KShs. 2,000

DETAIL	RATE
Closing charge per account	Nil

DETAIL	RATE
Per opinion	KShs. 1,000

DETAIL	RATE
Per audit confirmation	KShs. 2,000

DETAIL	RATE
Per instrument	KShs. 543
0.125% against cash dealt - Minimum	KShs. 543
0.125% against cash dealt - Maximum	KShs. 3,000

DETAIL	RATE
A cheque series with no break is taken as one instruction and charged - On Channels	Nil
A cheque series with no break is taken as one instruction and charged - At Branches	KShs. 1,000
(If there are two cheques that are not sequential, these will be treated as two separate instructions)

DETAIL	RATE
Per entry ATM Salary & Next Gen accounts	KShs. 250

DETAIL	RATE
Weekly statements: each	KShs. 250
Daily statements: per month	KShs. 2,500
Ad Hoc Statement Per Cycle Based on Product Provision	KShs. 200
E - statements	Free

DETAIL	RATE
For aggregate monthly cash deposits of KShs. 7.5 million and above:	0.15%

DETAIL	RATE
Annual Fee for Card Issuance:
- Visa Classic Debit Card: (Free 1st year, except for ATM salary A/c), every subsequent year)	KShs. 350
- Visa Platinum Debit Card:	USD 5
- Visa Platinum Debit Card for Personal Sapphire Accounts only (free for the first year)	USD 5
- MasterCard Platinum (one-off fee)	Ksh. 500
- MasterCard World	Complementary
- MasterCard World Elite	Complementary
Card Replacement
- Visa Classic	KShs. 350
- Visa Platinum	KShs. 350
- Mastercard Platinum	KShs. 500
- Mastercard World	Complimentary
- Mastercard World Elite	Complimentary
Cash Withdrawals
- I&M ATMs (Free for Club Account Holders)	KShs. 33
- Other ATMs (Free for Club Account Holders) (other bank surcharge may apply)	KShs. 55

DETAIL	RATE
Card Issuance/Annual/Replacement fee:	USD 5
PIN replacement fee:	USD 2.75
I&M Bank ATM Transaction fee:	USD 1
Kenswitch ATM Transaction fee:	N/A
Visa ATM Transaction fee:	USD 2

DETAIL	RATE
Per month + VAT	KShs. 7,500

DETAIL	RATE
Business Transaction Accounts:
Alpha & Savannah Accounts	Nil
- Sapphire Foreign Currency Transaction Account	Nil
- Sapphire & Biashara Accounts: per month	KShs. 250
Personal Transaction Accounts
- Tayari, Next Gen and ATM Salary Accounts: per month	KShs. 250
- Sapphire, Malaika & Bahati Accounts: per month	KShs. 500

DETAIL	RATE
Young Professional: Ledger fee per non-electronic debit transactions	KShs. 25
Premium Select: Monthly flat fee (Waived if average monthly balance is KShs. 1 Million and above)	KShs. 2,000

DETAIL	RATE
Business Sapphire: KShs.10 per entry
- Minimum	KShs. 300
- Maximum	KShs. 3,000
Biashara: KShs.20 per entry
- Minimum	KShs. 500
- Maximum	KShs. 5,000
Alpha: (Flat, per month)	KShs. 1,000
Savannah: (Flat, per month)	KShs. 500
Overdraft Account: KShs: 30 per entry
- Minimum	KShs. 300
- Minimum	KShs. 3,000

DETAIL	RATE
Alpha: 100 free transactions per month. Any additional transactions charged at:	KShs. 15
Savannah: 30 free transactions per month. Any additional transactions charged at:	KShs. 20
Personal Transaction Accounts
(Sapphire, Bahati, Malaika, Tayari) Free transactions per month as specified under respective product features any additional transactions charged at)	KShs. 100

DETAIL	RATE
Personal Transaction Accounts:
- Sapphire Account (Stamp Duty Charged at Actuals)	Nil
- Malaika, Bahati & Tayari accounts: for 25 leaves	KShs. 425
Business Transaction Accounts:
- All Accounts - per leaf	KShs. 17
- Sapphire Foreign Currency - per leaf	USD 0.2 or equivalent in GBP /EUR

DETAIL	RATE
Bills On Collection:
- Commission: 0.5% Minimum	KShs. 300
- Postage: Per Bill	KShs. 100
Up Country Bills for Collection:
- Commission: 0.5% Minimum	KShs. 300
- Postage: Per Bill	KShs. 100

DETAIL	RATE
Corporate/ Retail Internet Banking:
- All enquiry transactions	Free
- Subscription Charge	Free
* Transactions to be charged as per existing Bank tariff
Balance Enquiry, Mini Statement	Free
Account Summary, Deposit and Loan details	Free
Internal Funds Transfer	Free
Airtime Top-up	Free
Mpesa to Account transfer	Nil
Utility Payment	KShs. 60
PIN Change	Free
Add Beneficiaries	Free
Stop Cheque Request	Free
Till Number (Bank to Merchant)
- Amounts 0 -70,000	KShs. 60
- Amounts 70,001 - 250,000	KShs. 80
- Amounts 250,001 - 300,000	KShs. 100
PayBill (Bank to PayBill)
- Amounts 1 - 49	KShs. 17
- Amounts 50 - 100	KShs. 18
- Amounts 101 - 499	KShs. 48
- Amounts 500 - 999	KShs. 53
- Amounts 1,000 - 1,499	KShs. 80
- Amounts 1,500 - 2,499	KShs. 87
- Amounts 2,500 - 4,999	KShs. 114
- Amounts 5,000 - 9,999	KShs. 143
- Amounts 10,000 - 34,999	KShs. 170
- Amounts 35,000 - 49,999	KShs. 260
Bank to M-Pesa (Business Accounts- Single Transaction)
- Amounts 1 - 100	KShs. 0
- Amounts 101 - 500	KShs. 11
- Amounts 501 - 1,000	KShs. 14
- Amounts 1,001 - 1,500	KShs. 16
- Amounts 1,501 - 2,500	KShs. 25
- Amounts 2,501 - 3,500	KShs. 36
- Amounts 3,501 - 5,000	KShs. 47
- Amounts 5,001 - 7,500	KShs. 55
- Amounts 7,501 - 20,000	KShs. 65
- Amounts 20,001 - 150,000	KShs. 65
Bank Request:
- Full Statement	Free
- Cheque Book Request	Free
- E-Statement Registration	Free
- FOREX Enquiry	Free
- Standing Instruction Set up	Free
Account Transaction SMS Alert:
- Local SMS	Nil
- International SMS	Nil

New Personal and Business Accounts

FEATURE	CLUB ACCOUNT	PAYGO ACCOUNT
Opening balance	KShs. 1,000	KShs. 1,000
Minimum balance to be maintained	Nil	Nil
Account maintenance fee	Nil	Nil
Monthly fee	KShs. 1,000	Nil
Ledger fee	Nil	KShs. 30 (each non-channel debit)
Debit card issuance fee	Free	KShs. 500 (Mastercard Platinum Debit)
Debit card annual fee	Nil	Nil
Debit card replacement	Free	KShs. 500
Debit card renewal	Free	KShs. 500
I&M ATM cash withdrawal	Free	KShs. 33
Other ATM cash withdrawal (Other Bank surcharge may apply)	Free	KShs. 55
Cheque book issuance (per leaf)	Free	KShs. 17
Transfers within I&M	Free	Free
Over the counter withdrawals	Free	KShs. 250
Online transactions	Free online Pesalink, RTGS,SWIFT,Standing order set up and transfers are free if done online	As per the general tariff
Other transaction charges	As per the general tariff	As per the general tariff
Other Account beneﬁts	Free AMREF Maisha Bronze cover, e-statement, daily sms/email notiﬁcations	Free standing order set up,e-statement, daily sms/email notiﬁcations

FEATURE	BUSINESS PREMIER CURRENT ACCOUNT	BUSINESS CURRENT ACCOUNT
Opening balance	KShs. 10,000	KShs. 1,000
Minimum balance to be maintained	KShs. 10,000	Nil
Account maintenance fee	Nil	Nil
Monthly fee	Nil	Ksh 500 (for first 75 transactions per month free of ledger fees)
Monthly Ledger fee	KShs. 10 per transaction, min KShs. 300 per month, max KShs. 3,000	KShs. 10 per transaction after ﬁrst 75 free transactions per month
Debit card issuance fee
(MasterCard Platinum)	KShs. 500	KShs. 500
Debit card annual fee	KShs. 500 per annum per card	KShs. 500 per annum per card
I&M ATM cash withdrawal	KShs. 33	KShs. 33
Other ATM cash withdrawal (Other Bank Surcharge may apply)	KShs. 55	KShs. 55
Cheque book issuance (per leaf)	KShs. 17	KShs. 17
Transfers within I&M	Free	Free
Other transaction charges	As per the general tariff	As per the general tariff
Other Account Benefits	Free e-statement,daily sms/email notiﬁcations	Free e-statement, daily sms/email notiﬁcations

FOREIGN EXCHANGE

DETAIL	RATE
Per Foreign Incoming Remittance	KShs. 500
Charge for Faulty Instructions (Repair)	KShs. 250
Brisk Transfers (Incoming)	KShs. 200
Noble Account	Free
SWIFT Incoming Remittance Returns	USD 20/EUR 10/GBP 10/AUD 20
Swift (Spot Value) per Remittance
- On Channels	KShs.1,357
- At Branches	KShs. 2,170
Swift (Earlier Value) per Remittance	KShs. 2,000
Swift (Indian Rupees Spot Value) per Remittance	KShs. 750
Remittance Against Cash Deposit: 0.25%, Minimum	KShs. 250
BRISK Transfers (Outgoing)	KShs. 1,000
SWIFT from Noble Account	KShs. 1,000
SWIFT messages sent to other banks	KShs. 1,000
SWIFT repair charges	KShs. 1,000
SWIFT remittance RECALL	KShs. 1,000
Swift queries	KShs. 1,000

DETAIL	RATE
Commission Per Draft
- On Channels	USD 5
- At Branches	USD 10

DETAIL	RATE
Deposit of Foreign Currency Cash	0.25% of the amount deposited

TRADE FINANCE

DETAIL	RATE
Interest at current discount rate plus handling charge 0.1% flat minimum	KShs. 400

DETAIL	RATE
For Credit/Debit of KShs. Accounts: 0.25%
- Minimum	KShs. 200
- Maximum	KShs. 5,000
Courier handling charges: per transaction	Kshs. 500
For Credit/Debit of foreign currency accounts: 0.5%
- Minimum	USD 10
- Maximum	USD 75
SWIFT charges for cheques payable to banks overseas	KShs. 1,500

DETAIL	RATE
By us:	USD 30/GBP 20/EUR 25
By other banks:	Other bank charges plus USD 8/GBP 5/EUR 6

DETAIL	RATE
Commission: 0.5% per quarter of part thereof, minimum	KShs. 2,500
Postage	KShs. 750

DETAIL	RATE
Imports Letters of Credit (L/C):
- Opening commission: 0.5% per quarter or part thereof, minimum	KShs. 2,500
- SWIFT charges	KShs. 3,000
- L/C amendments: Commission for increase or extension of period amount - 0.5% per quarter or part thereof, minimum per amendment	KShs. 2,500
- Any other amendments	KShs. 2,500
- SWIFT charges: per message	KShs. 1,500
- No charge for cancellation/expiry
- Bills acceptance: Acceptance commission 0.5% per quarter or part thereof, minimum	KShs. 2,000
- SWIFT charges on acceptance	KShs. 1,500
- Retirement of bills under L/C : Commission 0.125% flat, minimum	KShs. 2,000
- No cancellation fee
Standby Letters of Credit:
- Commission 0.5% per Quarter
- SWIFT charges	KShs. 3,000
- Indemnity/Release of Documents	KShs. 2,000
- Discrepancy fees per set of documents	Min USD 100/Max USD 200
- SWIFT charge payable by beneficiary	USD 50
- LC confirmation actual charge levied by the confirming bank plus our charges for SWIFT etc.
Avalization/Co-acceptance of bills under collection:
- 0.5% per quarter, minimum charges	KShs. 2,000
- SWIFT charges	KShs. 3,000
- Retirement Charges with 0.125% flat, minimum	KShs. 2,000
Import Bills on Collection:
- Commission: 0.35%, minimum	KShs. 2,000
- SWIFT: per message	KShs. 1,500
- Holding charges per overdue bill: per month	KShs. 2,000
Shipping Guarantees:
- Handling fees	KShs. 7,000

DETAIL	RATE
Conﬁrmation of LC:
- Commission : 0.25% per quarter
LC Advising:
- Advising charges	KShs. 3,000
- Each amendment	KShs. 2,000
Negotiations of Bills Under LC:
- Commission: 0.25%, minimum	KShs. 3,000
- SWIFT: per message	KShs. 1,500
Purchase of Export Bill: (Outside L/C including clean instruments)
- Commission: 0.25%, minimum	KShs. 3,000
- SWIFT: per message	KShs. 1,500
- Interest on issuance bills will be charged as per agreed rates
Export Bills on Collection:
- Handling charges: 0.25% , minimum	KShs. 3,000
- SWIFT: per message	KShs. 1,500
- Discounting: interest margin over base rate minimum	KShs. 2,000
Courier Charges per Item:
- International	USD 50
- Local	KShs. 750

DETAIL	RATE
Commission: 0.5% per quarter or part thereof
Minimum per annum or part thereof	KShs. 3,000
SWIFT: per message	KShs. 1,500

GENERAL TARIFF CDS FEE

SERVICES	CHARGES
CDS Account Opening	Nil
Immobilisation of Certiﬁcates	KShs. 200 per security
Equity trades through I&M empanelled stockbrokers	Nil
Equity trades through other brokers	0.25% of the consideration
Private transfers - Equities and corporate bonds	KShs. 1,500 in addition to the transfer charges on the market guidelines in Private Transfer Fees
Private transfers - Government securities	KShs. 1,500 in addition to the transfer charges on the market guideline in Private Transfer Fees
Government debt trading - Successful Bids	0.25% of face value, minimum fees KShs. 1,000
Government debt trading - Unsuccessful Bids	KShs. 1,500
Corporate debt trading	0.25% of face value, minimum fees KShs. 1,000
Offshore securities trading *	0.25% of face value, minimum fees KShs. 1,000
SWIFT Messages - Trades on Government securities through own CBK CDS Accounts held directly at CBK	0.1% of face value, minimum fees KShs. 2,500 and maximum fees KShs. 10,000
Note: Fee do not include any extra charges for offshore investments

I&M Bank Cards

FEATURE	TRAVEL CARD	SAFARI CARD	MULTICURRENCY CARD
Joining Fee	USD 8	KShs. 600	USD 10
Reload Fee per Load	Nil	Nil	Nil
Refund Fee (% of refund amount)	1% of refund amount	2%, Minimum KES 150	1% of refund amount
Replacement Fee	USD 8	KShs. 600	USD 10
Card Closure Fees	Nill	Nill	USD 6
Minimum Load Amount	Nil	Nill	Nill
Maximum Load Amount	USD 10,000 per load	Up to Kes 700,000	USD 10,000
Cash Withdrawal
I&M ATM	USD 1	KShs. 30	USD 1
Domestic Visa/MasterCard ATM	USD 1.25 (other bank’s surcharge may apply)	KShs. 100	USD 1.25 (other bank’s surcharge may apply)
International Visa/MasterCard ATM	USD 4 (other bank’s surcharge may apply)	Kes 250	USD 4.00 (other bank’s surcharge may apply)
Balance Enquiry
I&M ATM	USD 0.25	Nil	USD 0.25
Domestic Visa/MasterCard ATM	USD 0.80	Kes 50	USD 0.80
International Visa/MasterCard ATM	USD 1	Kes 50	USD 1
SMS Alerts	Nill	Nill	Nill

FEATURE	VISA CLASSIC	VISA GOLD	VISA INFINITE	MASTERCARD WORLD
Joining Fee	KShs. 2,500	KShs. 3,500	KShs. 5,000	KShs. 2,500
Supplementary Joining Fees	Kshs. 2,500	Kshs. 3,500	KShs. 5,000	KShs. 1,500
Principal Annual Fees	KShs. 3,000	KShs. 4,000	USD 75	KShs. 5,500
Supplementary Annual Fees	KShs. 1,500	KShs. 2,000	USD 75	KShs. 5,500
Credit Period	Up to 50 days	Up to 50 days	Up to 50 days	Up to 50 days
Roll-over Amount	95%	90%	90%	95%
Minimum Payment Rate	5%	10%	10%	5%
Revolving Credit Interest	3.5% per month on the actual daily outstanding balance	3.5% per month on the actual daily outstanding balance	3.5% per month on actual daily outstanding balance	3.5% per month on actual daily outstanding balance
Late Payment Penalty Rate	6% flat on outstanding minimum payment amount on the due date, Ksh 1,000/- maximum	6% flat on outstanding minimum payment amount on due date, Kshs 1,000/- maximum	6% flat on outstanding amount	6% flat on outstanding amount
Overlimit Charge	KShs. 1,500	KShs. 1,500	KShs. 1,500	KShs. 1,500
Cash Advance	20% of credit limit	30% of credit limit	30% of credit limit	Up to 40% of credit limit
Card Replacement Fees	KShs. 1,000	KShs. 1,000	KShs. 1,000	KShs. 1,000
Unpaid Instruments Handling Fees	KShs. 2,000	KShs. 2,000	KShs. 2,000	KShs. 2,500
Credit Life Insurance % of the approved Limite	0.36% p.a	0.36% p.a	0.36% p.a	0.36%
SMS Alerts	Nill	Nill	Nill	Nill
Min Credit Limit Allowed	10,000	75,000	300,000	50,000
Max Credit Limit Allowed	300,000	5,000,000	10,000,000	1,000,000
Product Billing Cycle Date	15th day of every month	1st day of every month	1st day of every month	12th day of every month
Payment Due Date	20 days from statement date	20 days from statement date	20 days from statement date	20 days from statement date

FEATURE	MASTERCARD BUSINESS CARD	WORLD MASTERCARD FOR BUSINESS
Joining Fee	KShs. 4,000	KShs. 5,000
Supplementary Joining Fees	N/A	N/A
Principal Annual Fees	KShs. 5,000	KShs. 8,000
Supplementary Annual Fees	N/A	N/A
Overlimit Charge	KShs. 2,500	KShs. 2,500
Cash Advance % of credit limit	40%	40%
Card Replacement Fees	KShs. 1,000	KShs. 1,000
Unpaid Instruments Handling Fees	KShs. 2,500	KShs. 2,500
Revolving Credit Interest -% per month on the actual daily outstanding balance	3.5%	3.5%
Cash Advance Fees	7.5% of cash advanced	7.5% of cash advanced
Late Payment penalty Rate -% of outstanding amount	6%	6%
Credit Life Insurance % P.a of approved Limit	N/A	N/A
Minimum payment rate	5%	5%
Roll Over Amount	95%	95%
Credit Period	Up to 50 Days	Up to 50 Days
SMS Alert Fees	Nill	Nill
Min Credit Limit Allowed	Min 50,000	Min 50,000
Max Credit Limit Allowed	Max 3,000,000	Max 3,000,000
Product Billing Cycle Date	10th day of every month	10th day of every month
Payment Due date	20 days from statement date	20 days from statement date

Private Transfer Fees

APPLICATION TYPE	TRANSFER VALUE	RATE
Settlement of an estate of a deceased person	- less than Kshs. 10,000	No fee
Settlement of an estate of a deceased person	- more than Kshs. 10,000	KShs. 1,500
Transfer by gift	- less than Kshs. 10,000	No fee
Transfer by gift	- less than Kshs. 100,000	2.1% of the value of transaction
Transfer by gift	- more than Kshs. 100,000	Negotiable subject to a maximum of 1.5% of the value
Transfer with no change on in beneficial ownership including Treasury bonds and other corporate bonds	- more than Kshs. 10,000	KShs.1,500

APPLICATION TYPE	TRANSFER VALUE	RATE
Settlement of an estate of a deceased person	- less than Kshs. 10,000	No fee
Settlement of an estate of a deceased person	- more than Kshs. 10,000	KShs. 1,500
Transfer by gift	- less than Kshs. 10,000	No fee
Transfer by gift	- less than Kshs. 100,000	2.1% of the value of transaction
Transfer by gift	- more than Kshs. 100,000	Negotiable subject to a maximum of 1.5% of the value
Transfer with no change on in beneficial ownership including Treasury bonds and other corporate bonds	- more than Kshs. 10,000	KShs. 1,500

Contacts and Note

Call Centre: +254 20 322 1000 | Email: [email protected] | Website: imbankgroup.com
*All charges are subject to excise duty
*Always conﬁrm the updated Tariff on the website: www.imbankgroup.com/ke

Tariffs and Charges

General Tariff

Standing Order

Bulk salary transfer/ EFTs

Retrieval of Old Records

Cheque Returned

Certificates

Local Cheque Collection

Local Outward Remittances

KRA Tax Payments (i-Tax)

KENTRADE

Direct Debit

Counter Cheque

Processing Fee

Closing of Account

Bank Opinion Reports

Confirmation to Auditors

Issue of Bankers Cheque

Stop Payment

Over the Counter Payment (Non-Checking Account)

Account Statements

Cash Handling Charges

ATM/Debit Card

USD Visa Debit Card

Night Safe Facility

Account Maintenance (In Case Monthly Minimum Balance is not Maintained)

Bundled Personal Transaction Accounts

Ledger Fee/Flat Monthly Fee (Waived If Average Monthly balance is KShs. 500,000 and above )

Additional Transaction Fee

Cheque Book

Local

Mobile and Internet Banking

New Personal and Business Accounts

New Personal Transaction Accounts

New Business Transaction Accounts

FOREIGN EXCHANGE

Outward Remittance

Demand Drafts/Foreign Currency

Deposit of Foreign Currency Cash

TRADE FINANCE

Bills Discounting

Handling of Foreign Currency | Cheques Drawn on/Payable to Bank Overseas

Cheque Returned (Bank Overseas)

Letters of Credit

Imports

Exports

Bank Guarantees

GENERAL TARIFF CDS FEE

CDS FEE

I&M Bank Cards

I&M Bank Prepaid Cards

I&M Bank Personal Credit Cards

I&M Bank Corporate Credit Cards

Private Transfer Fees

Certificated

Immobilised

Contacts and Note

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