Centenary Bank Uganda Tariff Guide | Banking Fees & Charges

Savings Accounts

Fees for savings account services

Service	Fee
Opening Balance	UGX 10,000
Minimum Balance	UGX 5,000
Penalty below minimum	N/A
Account management fees (monthly)	UGX 3,000
Penalty withdrawal at counter (2,000,000 & below)	UGX 5,000
Penalty withdrawal more than once a quarter from CenteJuniour/CentePlus	UGX 5,000
Statement	Free
Interim Statement charge	5,000 per page
Electronic Statements	2,000 per page
Duplicate Statement charge	UGX 4,000
Drawings/Withdrawals	Tiered
Card Replacement	UGX 15,000
Closing Account charge	UGX 15,000
Reactivation of Dormant Account	Free
Accrued charges on Dormant Accounts (upon reactivation)	UGX 10,000
Overdrawn penalty	P+6%
Balance inquiry over the Counter	UGX 1,000
Minimum interest rate paid to Savings Accounts	0.75% per annum

Current Accounts

Fees for current account services

Service	Fee
Opening Balance	UGX 10,000
Minimum Balance	UGX 10,000
Ledger fees per entry	UGX 3,000
Ledger fees (minimum per month)	UGX 15,000
Penalty withdrawal at counter (2,000,000 & below)	UGX 5,000
Statement	Free
Interim statement charge	5,000 per page
Electronic Statements	2,000 per page
Duplicate statement charge per page	UGX 4,000
Additional Statement per page	UGX 2,000
Counter cheque leaf	UGX 15,500
Deposit Book	Free
Cheque Book - 25 Leaves	UGX 25,000
Cheque Book - 50 Leaves	UGX 50,000
Cheque Book - 100 Leaves	UGX 100,000
Certificate of balance	UGX 20,000
Audit confirmation report	UGX 30,000
Letter of Introduction	UGX 20,000
Penalty below minimum	N/A
Retrieval of old Cheques, Vouchers	UGX 10,000
Dormancy on A/C	UGX 5,000
Reactivation of Dormant Account	Free
Accrued charges on Dormant Accounts (upon reactivation)	UGX 10,000
Closing Account charge	UGX 20,000
Cash Withdrawal at Counter Inter-branch (Up country Branch)	N/A
Cash Deposit Charge Inter-branch (Up country Branch)	N/A
Bulk Cash Withdrawal	Tiered
Uncleared Effects	2% Min 10,000
Search fee-for Company accounts	UGX 75,000
Unpaid cheque-insufficient funds	UGX 125,000
Unpaid cheques effects not yet cleared	UGX 40,000
Unpaid cheques-technical	UGX 20,000
Returned by other banks	UGX 20,000
Stop Payment orders	UGX 20,000
Balance inquiry over the Counter	UGX 1,000
Interest on special current accounts	5%

Loan Products Charges

Fees for loan products

Service	Fee
Micro Business 5M and below	32%-40%
Micro Business 5M-20M	28%
Micro Business 20M-30M	25%
Micro Business 30M-50M	25%
Agriculture 5M and below	32%-40%
Agriculture 5M-20M	28%
Agriculture 20M-30M	25%
Agriculture 30M-50M	25%
SME Shs 50M-500M	P+/- 6% margin
Corporate Above Shs 500M	P+/- 6% margin

Standing Order Charges

Fees for standing order services

Service	Fee
Standing Orders Unpaid	UGX 15,000
Standing Orders (Insurance premium)	UGX 3,000
Standing Orders (to other banks) SO	UGX 10,000
Standing Orders (to other banks) RTGS	UGX 15,000
Standing Orders within the bank	UGX 5,000

School Fees Charges

Fees for school fees payments

Service	Fee
For all schools	UGX 2,000
School fees deposit at ATM	UGX 2,000
Draft charge for school fees	UGX 10,000

Salary Handling Charges

Fees for salary handling services

Service	Fee
Paid within the Bank	UGX 2,500
Outgoing salaries by EFT	4,000 per entry

Safe Custody Charges

Fees for safe custody services

Service	Fee
Small Box per quarter	UGX 15,000
Sealed Envelope per quarter	UGX 10,000

Telephone/Fax Charges

Fees for telephone and fax services

Service	Fee
Local per call	UGX 2,000
Phone/Fax for corporate clients	UGX 10,000

URA Collection Charges

Fees for URA collection services

Service	Fee
URA collection per deposit	UGX 2,000

Local and Regional Payment System Charges

Fees for local and regional payment systems

Service	Fee
Electronic Funds Transfer (EFT) Incoming	UGX 4,000
Electronic Funds Transfer (EFT) Outward (Normal)	UGX 5,000
Real Time Gross Settlement (RTGS)/EAPS - Outward	UGX 20,000, KES 600, TZS 15000, USD 10, EUR 5, GBP 5, RWF 5000
Real Time Gross Settlement (RTGS)/EAPS - Incoming	UGX 3,500, KES 100, TZS 1500, USD 1, EUR 1, GBP 1, RWF 500
Regional payment systems charges (REPS) - COMESA - Outward	USD 10, EUR 5
Regional payment systems charges (REPS) - COMESA - Inward	USD 1, EUR 1
Draft charge: Customers	UGX 20,000
Draft Charge: Non-customers	UGX 25,000
Cancellation/ repurchase of draft	UGX 10,000
Direct debits- Incoming	UGX 4,000
Unpaid direct debits (Insufficient funds) - Outgoing	UGX 60,000
Others	UGX 5,000

RTGS in Foreign Currencies

Fees for RTGS in foreign currencies

Service	Fee
USD	Outgoing - 10, Incoming - 1
GBP	Outgoing - 5, Incoming - 1
EURO	Outgoing - 5, Incoming - 1
RWF	Outgoing - 5,000, Incoming - 500

Western Union

Fees for Western Union services

Service	Fee
Western Union commissions abroad, Minimum	UGX 17,000
Western Union commissions within East Africa, Minimum	UGX 6,200
Western Union commissions within the Country 2%, Minimum	UGX 2,500

Foreign Accounts

Fees for foreign account services

Service	Fee
Opening Balance	USD 100 Euro 60 & GBP 60
Minimum Balance	USD 50 Euro 30 & GBP 30
Ledger fees monthly / Service charge	1.67 Monthly for USD, Euro & GBP
Activation of Dormant account	USD 5, Euro & GBP 3
Monthly Management fee	NIL
Withdrawal below Minimum balance	USD 3, Euro 3 & GBP 2
Foreign cash deposit; Big Bills	Below $10,000 is free and above 0.3% capped at US$1,000
Foreign cash deposit; Small Bills ($1,000 notes & below)	4.5% of the Value
Cheque Book Cost 25 leaves	USD 10, Euro & GBP 8
Cheque book cost 50 leaves	USD 20, Euro & GBP 15
Cheque book cost 100 leaves	USD 30, Euro & GBP 25
Counter Cheque leaf	USD 4, Euro & GBP 3
Additional Statement	USD 1 Euro & GBP 1
Fixed Deposit Account	USD 2500, Euro & GBP 1,000
Foreign cash withdrawal charges	0.4% of face value Min $5 Euro & GBP 3 & KES 500
Account closure	USD 30, Euro 25 & GBP 20
Maintenance Fees	Euro 2
Commission on FX cash deposits	0.3% for FX deposits above $10,000, capped at $1,000

Cheques

Fees for cheque services

Service	Fee
Cheques drawn on local banks in foreign currency	Free
Cheques on collection < USD 1000 (Inclusive of Courier charges)	USD 50, Euro & GBP 40
Cheques on collection 1001 - 3000 (Inclusive of Courier charges)	USD 70, Euro & GBP 60
Cheques on collection 3001 to 5000 (Inclusive of Courier charges)	USD 90, Euro & GBP 80
Cheques on collection 5001 to 10,000 (Inclusive of Courier charges)	USD 120, Euro & GBP 100
Cheques on collection >10,000 (Inclusive of Courier charges)	0.25% of cheque value, Min USD120, EUR & GBP 80, Max USD 500, Euro & GBP 400
Unpaid cheques (OBC)	UGX 40,000, USD 100, Euro 80 & GBP 80
Returned Cheque-Insufficient funds	UGX 150,000
Stop Payment Orders	UGX 30,000
Bank Draft Foreign Currency	UGX 50,000
Bank Draft Cancellation	USD 100 or equivalent in UGX
Bank Draft Repurchase	USD 100 or equivalent in UGX

Outward Transfers Charges

Fees for outward transfer services

Service	Fee
Outward Transfers from UGX (SHA)	UGX 35,000
Outward Transfers from FX (SHA)	USD 10, EUR 10, GBP 10
Outward Transfers from FX (OUR)	USD 40, GBP 40, EUR 40
Outward Transfers from UGX (OUR)	UGX 35,000 + USD 30, GBP 20, KES 3,000, EUR 30, CNY200, ZAR300
Amendment and recall of funds	USD50, EUR30, GBP30, CNY200, ZAR200 >3Months USD70, EUR50, GBP 40, CNY & ZAR 300
SWIFT MT940 statements per month	UGX 100,000, USD 25, EUR 25, GBP 20 and KES 3,000

Inward Transfer Charges

Fees for inward transfer services

Service	Fee
Inward transfer commission <500	USD 8, Euro & GBP 6
Inward transfer commission 501 to 1500	USD 18, Euro & GBP 13
Inward transfer commission 1501 to 3000	USD 23, Euro & GBP 18
Inward transfer commission 3001 to 5000	USD 28, Euro & GBP 23
Inward transfer commission 5001 to 10,000	USD33, Euro & GBP28
Inward transfer commission >10,000	0.25% Max 500 or Equivalent
Incoming Telegraphic Transfer commission & Return of funds 0 – 10,000	ZAR.100
Incoming Telegraphic Transfer commission & Return of funds 10,001 – 20,000	ZAR.250
Incoming Telegraphic Transfer commission & Return of funds 20,001 – 30,000	ZAR.300
Incoming Telegraphic Transfer commission & Return of funds 30,001 – 40,000	ZAR.350
Incoming Telegraphic Transfer commission & Return of funds 40,001 – 50,000	ZAR.400
Incoming Telegraphic Transfer commission & Return of funds 50,001 & Above	ZAR.450
Incoming Telegraphic Transfer commission & Return of funds Max.	ZAR.500
Amendment and Recall of funds	USD.50, EUR.30, GBP.30, CNY200, ZAR200 >3 months-USD.70, EUR.50, GBP.40, CNY & ZAR300
Church Institutions	Deduction of 30% against the actual tiered charges as per tariff
Queried funds due to missing details	USD 35, Euro and GBP 40

Credit Related Charges

Fees for credit related services

Service	Fee
Application fees (Individuals)	20,000 to 50,000
Arrangement/Processing fees (% of facility amount)	2%
Insurance Fee on loans	0.45% to1.75%
Insurance Fee on Overdrafts	1%
Restructuring Fees	1%
Penalty Interest (% over effective rate) LCY	0.5%
Penalty Interest (% over effective rate) FCY	0.5%
Security Search fees	Done by external party
Overdraft renewal	2%
URA Stamp Duty on loan documents	UGX 15,000 per document

Internet Banking

Fees for internet banking services

Service	Fee
Hard token device	USD 30
Replacement for lost or damaged token	USD 30
EFT (Domestic transfer to another bank)	UGX 5,000, Foreign Currencies USD to 1 from 10 GBP to 1 from 5 EUR to 1 from 5 UGX 10,000, KES 600, TZS 15000, USD 10, EUR 5, GBP 5, RWF 5000
RTGS	UGX 20,000, KES 600, TZS 15000, USD 10, EUR 5, GBP 5, RWF 5000
Telegraphic Transfer - Outward transfers from UGX (SHA)	UGX 35,000 plus USD 30, EUR 30 & GBP 30
Telegraphic Transfer - Outward transfers from USD/EUR/GBP	USD 10, EUR & GBP 10, CNY 200 & ZAR 200
Telegraphic Transfer - Outward transfers from UGX/USD/EUR/GBP NC (OUR)	USD 50, EUR 30, GBP 30, CNY 200, ZAR 200 >3Months USD 70, EUR 50, GBP 40, CNY & ZAR 300
Amendment and recall of funds	USD 50, EUR 30, GBP 30, CNY 200, ZAR 200 >3Months USD 70, EUR 50, GBP 40, CNY & ZAR 300
Salary payments - Within the bank	UGX 2,000
Salary payments - Outgoing salaries by EFT	UGX 3,500
Internal Transfers within the Bank (Tiered)	2,000 each transaction
Bill Payments	UGX 2,000
Account Statement - PER EXPORT	UGX 500

CenteMobile

Fees for CenteMobile services

Service	Fee
Balance Inquiry (on Mobile App, USSD, WhatsApp)	UGX 300
Airtime purchase	UGX 300
Bill Payments	UGX 1,650
Wallet to Bank transfers	Free
School fees payments	UGX 2,000
Mini statement	UGX 600
Pay merchant	UGX 1,500
Mobile Loans	7% (of principal)
Church collections	UGX 500
Account to Account charges for CenteMobile	UGX 1,000
Bank to Wallet (Pull) charges for CenteMobile 5,000 - 30,000	UGX 1,000
Bank to Wallet (Pull) charges for CenteMobile 30,001 - 60,000	UGX 2,000
Bank to Wallet (Pull) charges for CenteMobile 60,001 - 250,000	UGX 2,500
Bank to Wallet (Pull) charges for CenteMobile 250,001 - 500,000	UGX 3,200
Bank to Wallet (Pull) charges for CenteMobile 500,001 - 1,000,000	UGX 6,000
Bank to Wallet (Pull) charges for CenteMobile 1,000,001 - 2,000,000	UGX 9,000

CenteSwift

Fees for CenteSwift services

Service	Fee
Send 500 – 2500	Free
Withdraw 500 – 2500	Free
Send 2,501 – 4,999	Free
Withdraw 2,501 – 4,999	Free
Send 5,000– 15,000	UGX 500
Withdraw 5,000– 15,000	UGX 700
Send 15,001 – 30,000	UGX 500
Withdraw 15,001 – 30,000	UGX 700
Send 30,001 – 45,000	UGX 500
Withdraw 30,001 – 45,000	UGX 1,100
Send 45,001 – 60,000	UGX 500
Withdraw 45,001 – 60,000	UGX 1,400
Send 60,001 – 125,000	UGX 500
Withdraw 60,001 – 125,000	UGX 1,800
Send 125,001– 250,000	UGX 500
Withdraw 125,001– 250,000	UGX 3,000
Send 250,001 – 500,000	UGX 500
Withdraw 250,001 – 500,000	UGX 5,000
Send 500,001– 1,000,000	UGX 500
Withdraw 500,001– 1,000,000	UGX 6,000
Send 1,000,001 – 2,000,000	UGX 500
Withdraw 1,000,001 – 2,000,000	UGX 10,000
Send 2,000,001 - 4,000,000	UGX 500
Withdraw 2,000,001 - 4,000,000	UGX 16,500
Send 4,000,001 - 5,000,000	UGX 500
Withdraw 4,000,001 - 5,000,000	UGX 17,500
Minimum Amount	UGX 5,000
Max Amount per Txn	UGX 2,000,000

Cash Withdraw Charges Over the Counter

Fees for cash withdrawal over the counter

Service	Fee
0-2000000	UGX 10,000
2000001 -50999999	UGX 15,000
51000000-100999999	UGX 20,000
101000000-150999999	UGX 25,000
Above 150999999	UGX 30,000

MoneyGram

Fees for MoneyGram services

Service	Fee
East Africa Transfer Charges (UGX) 1 - 225,000	UGX 9,900
East Africa Transfer Charges (UGX) 225,001 - 450,000	UGX 19,600
East Africa Transfer Charges (UGX) 450,001 - 675,000	UGX 24,500
East Africa Transfer Charges (UGX) 675,001 - 900,000	UGX 39,200
East Africa Transfer Charges (UGX) 900,001 - 1,350,000	UGX 49,000
East Africa Transfer Charges (UGX) 1,350,001 - 1,800,000	UGX 58,800
East Africa Transfer Charges (UGX) 1,800,001 - 2,250,000	UGX 78,400
East Africa Transfer Charges (UGX) 2,250,001 - 2,700,000	UGX 98,000
East Africa Transfer Charges (UGX) 2,700,001 - 4,500,000	UGX 137,200
East Africa Transfer Charges (UGX) 4,500,001 - 5,600,000	UGX 176,400
East Africa Transfer Charges (UGX) 5,600,001 - 11,200,000	UGX 274,400
East Africa Transfer Charges (UGX) 11,200,001 - 16,800,000	UGX 392,000
East Africa Transfer Charges (UGX) 16,800,001 - 26,000,000	UGX 490,000
International Transfer Charges (UGX) 1 - 120,000	UGX 12,000
International Transfer Charges (UGX) 120,001 - 200,000	UGX 15,000
International Transfer Charges (UGX) 200,001 - 250,000	UGX 21,875
International Transfer Charges (UGX) 250,001 - 350,000	UGX 28,875
International Transfer Charges (UGX) 350,001 - 450,000	UGX 33,250
International Transfer Charges (UGX) 450,001 - 600,000	UGX 42,000
International Transfer Charges (UGX) 600,001 - 850,000	UGX 47,250
International Transfer Charges (UGX) 850,001 - 1,100,000	UGX 52,500
International Transfer Charges (UGX) 1,100,001 - 1,700,000	UGX 77,000
International Transfer Charges (UGX) 1,700,001 - 2,000,000	UGX 83,125
International Transfer Charges (UGX) 2,000,001 - 2,500,000	UGX 92,750
International Transfer Charges (UGX) 2,500,001 - 2,800,000	UGX 112,000
International Transfer Charges (UGX) 2,800,001 - 3,400,000	UGX 112,500
International Transfer Charges (UGX) 3,400,001 - 4,000,000	UGX 143,500
International Transfer Charges (UGX) 4,000,001 - 4,600,000	UGX 164,500

Visa Debit Card Offering

Fees for Visa debit card services

Service	Fee
Card declined transactions due to insufficient funds	UGX 1,000
New Classic/ Ordinary Card cost	UGX 15,000
Card replacement of a Visa Classic/ Ordinary Card	UGX 20,000
New Gold Card cost / Replacement	UGX 20,000
New Platinum Card cost	UGX 20,000
Platinum Card Replacement	UGX 30,000
Uncollected Card	NIL
Annual card fees for Classic/Ordinary Card	UGX 15,000
Annual card fees for Gold Card	UGX 30,000
Annual card fees for Platinum Card	UGX 45,000
ATM cash withdrawal on Centenary Bank ATM 5,000 - 1,000,000/=	UGX 1,200
ATM cash withdrawal on Centenary Bank ATM 1,005,000 - 2,000,000/=	UGX 2,000
ATM cash withdrawal off on Inter-switch Network	UGX 1,500
ATM cash withdrawal VISA Domestic	UGX 10,000
ATM transaction receipt	UGX 100
ATM Cash withdrawal International	4% of transaction value plus 5% for Forex mark-up
Balance inquiry on Centenary Bank ATM	UGX 300
Balance inquiry on Inter-switch ATM Network	UGX 600
Balance inquiry on VISA Domestic	UGX 2,500
Balance inquiry International	UGX 5,000
Mini-statement on Centenary Bank ATM	UGX 600
Mini-statement on VISA Domestic	N/A
Mini-statement on VISA International	N/A
POS purchase VISA network Domestic	Free
POS Balance inquiry	N/A
ATM access fee for Non-Bank Cardholders-Domestic	UGX 10,000
ATM access fee for Non-Bank Cardholders - International	UGX 25,000
E-Commerce/Online Payment - Domestic	UGX 2,000
E-Commerce/Online Payment - International	2.5% of the transaction value + 5% Forex Mark Up
POS Purchase - International $0.00 - $100	2.5% of the transaction value + 5% Forex Mark Up
POS Purchase - International $101 & Above	Fixed fee of $2.5 will apply + 5% Forex Mark Up

Visa Prepaid Card Transaction Charges & Other Fees

Fees for Visa prepaid card services

Service	Fee
Card declined transactions due to insufficient funds	UGX 1,000
Card cost (New & Replacement)	UGX 20,000
Uncollected Card	NIL
Annual Card Fee	UGX 10,000
Load/reload fee	UGX 2,500
ATM cash withdraw - On-Us	UGX 1,750
ATM cash-withdraw Off-Us - Domestic	UGX 5,000
ATM cash-withdraw Off-Us- International	4% of the transaction value + 5% of the Forex Mark Up
ATM Balance inquiry check - On-Us	UGX 500
ATM Balance inquiry check Off-Us - Domestic	UGX 2,500
ATM Balance inquiry check Off-Us - International	UGX 5,000
ATM Mini- statement - On-Us	UGX 500
ATM transaction receipt	UGX 100
POS Purchase - Domestic	Free
POS Purchase - International $0.00 - $100	2.5% of the transaction value + 5% Forex Mark Up
POS Purchase - International $101 & Above	Fixed fee of $2.5 will apply + 5% Forex Mark Up
E-Commerce/Online - Domestic	UGX 2,000
E-Commerce/Online - International $0.00 - $100	2.5% of the transaction value + 5% Forex Mark Up
E-Commerce/Online - International $101 & Above	Fixed fee of $2.5 will apply + 5% Forex Mark Up

Import Letters of Credit

Fees for import letters of credit services

Service	Fee
LC issuance Commission	2% per quarter, min UGX 100,000
LC Amendment Commission	UGX 50,000
LC Cancellation Commission	UGX 50,000