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Flat Fee Account

An account that helps make managing your
money easy and convenient.

Enjoy peace of mind with a monthly flat rate and all the benefits; free withdrawals, whenever you please.


– Minimum opening balance – Kes. 1,000
– Monthly ledger fees – Kes. 660
– Minimum operating balance – Nil

– Debit card fee – Kes. 550

– Monthly statement – Free
– Over the counter charges – Free
– Monthly internet banking access fee- Free.

 -Cheque book available

a)25 leaves – kes. 440
b) 50 leaves – Kes. 880

– GoMobile set up fee – Kes. 110 (one-off)
– Inter account transfers – Free
– 1 bankers cheque per quarter – Free


– No operating balance.
– Free over the counter transactions.
– Free inter account transfers.
– Free quarterly bankers cheque.
– Free Banking at Ksh 1000 monthly.
– Customer can budget for their banking charges knowing that the banking charges are “all in one” each month
– Account holder enjoys Free Personal Accident Insurance Ksh 300,000 per year, at monthly premium of Kes 30.00 per month.
– Convenience banking through a variety of banking tools ie Mobile, Debit card, Online Banking, Spire Branch Networks, Post Bank branches, ATM, Cheque book,RTGS, Swift, Money Transfer services
– Prequalified Senator Credit Card.
– Access to a host of Credit Facilities – Unsecured Personal loans , Secured personal loans, Mortgages, Car Loans
– Salary advance up to 50% of average 3 months’ salary if passing through Spire account
– Insurance policies can be arranged through Spire Insurance Brokers

Need To Know More?

Working together, we’ll help you choose a suitable package.