Bidii account is a mass-market savings & transactional product that replaced the Ordinary Savings Scheme (formerly the passbook account). Caters for both male & female. Open to persons of 18 years of age and above. Tailored to suits the needs of both low and medium-income earners. Flexible options are available for opening the account; Personal, Joint, legally constituted bodies and Companies (Macro, Small and Medium Enterprises – MSMEs). Bidii account offers multiple options for opening and operating:

• Personal Account; Caters for an individual only.
• Joint Account; Caters for 2 or 3 persons.
• Sole Proprietor Account; Caters for entities registered under Registered Business Name Act.
• Partnership Account; Caters for companies formed under a partnership Act.
• Junior Trustee Account; Caters for children below 18 years of age placed under the custody of a public trustee or a public administrator who acts as public trustee representative.
• Trust/Provident Account; Caters for Foundations or a legally constituted body under Trust Act.
• Schools Account; Open to both public and private schools.
• Company Account; Caters for both public & private Companies incorporated under Limited Companies Act.

• Original identification document; Valid National ID/Passport/Service Card/Alien Certificate
• Copy of KRA PIN Certificate
• 2 Passport size photographs (for each signatory if joint)
• Minimum account opening and operating balance of Kshs.200
• Kshs.600 ATM card fee charged on application from account balance
• Duly filled account opening & debit card application forms (SB11A & ATM1)

• Original & Copy of Valid ID or Passport/Aliens Certificate of registration
• Two coloured passport size photographs (for each signatory)
• Copy of Certificate of Registration
• Copy of PIN or VAT Certificate for the Business
• Personal PIN Certificates for each signatory
• Copy of Single Business Permit issued by the County Government
• Proof of business premise address (copy of recent utility bill under your name)
• Completed account opening & debit card application forms (SB11B & ATM1)
• Kshs.1,800 search fee payable on application
• Minimum account opening and operating amount of Kshs.5,000 payable after search process is successfully completed
• Kshs.600 debit card fee charged on application from account balance

• Friendly account opening requirements and procedures.
• Faster and more convenient services for;
  • over-the-counter,
  • ATM
  • Merchant transactions.
• Timely & Efficient Services; Postbank Visa (Debit) card is issued instantly and linked to a self-auto generated PIN there and then.
• Paperless banking services.
• Varieties of options are available for funds transfer using;
  • EFT.
  • RTGS.
  • Standing Order.
  • Mobile & International money transfer services.
• Pre -transaction withdrawal charges apply for over the counter, ATM, Funds transfer, mobile & internet banking services.
• For Joint accounts, the operating instructions defined by signatories during account opening apply every time they request to make cash withdrawals. The Joint account mandate options provided include:
  • Either to operate (2 persons)
  • Both to operate (2 persons)
  • Any two to operate (3 persons)
  • All to be present during withdrawals (either 2 or 3 persons)

• Proof of business premise address (copy of recent utility bill under signatory’s name)
• Completed account opening & debit card application forms (SB11B & ATM1)
• 1,800 search fee payable on application
• Minimum account opening and operating amount of Kshs.5,000 payable after search process is successfully completed
• 600 debit card fee charged on application from account balance

Caters for children below 18 years of age under the care of a guardian and a Public Trustee/Administrator co-opted to oversee funds management until the minor attains majority age.

• Completed account opening & debit card application forms (SB11B & ATM1)
• Minimum account opening and operating amount of Kshs.200
• 600 debit card fee charged on application from account balance

Open to a Foundation or a legally constituted body registered under Trust Act

• Copy of PIN Certificates of each signatory
• Completed account opening & debit card application forms (SB11B & ATM1)
• Kshs.1,800 search fee payable on application
• Minimum account opening and operating amount of Kshs.5,000 payable after search process is successfully completed
• Kshs.600 debit card fee charged on application from account balance

• Copy of PIN Certificates of each signatory
• Completed account opening & debit card application forms (SB11B & ATM1)
• 1,800 search fee payable on application
• Minimum account opening and operating amount of Kshs.5,000 payable after search process is successfully completed
• 600 debit card fee charged on application from account balance

• Copy of Annual Return submitted to Registrar of Companies advising names of Directors (for existing companies) and certified by the company secretary
• Board Resolution duly executed by the Chairman and Company Secretary and the Company’s Seal embossed
• Completed account opening & debit card application forms (SB11B & ATM1)
• Kshs.1,800 search fee payable on application
• Minimum account opening and operating amount of Kshs.5,000 payable after search process is successfully completed
• Kshs.600 debit card fee charged on application from account balance