Rates & fees
Every rate. Every fee. On one page.
The full schedule of interest rates and charges for Jahihi Uganda. Effective from 1 January 2026.
Currency: UGXRegulator: Bank of Uganda
Interest rates
What you earn, and what you pay.
Rates below are the standard rates for our products in this region. Your actual rate is set at approval and shown in your agreement.
| Product | Rate | Basis | Notes |
|---|---|---|---|
| Savings account | 8.0% per year | Paid monthly on your average balance | — |
| Fixed deposit — 3 months | 9.5% per year | Paid at maturity | — |
| Fixed deposit — 12 months | 11.5% per year | Paid at maturity | — |
| Personal loan | 18.0% per year | Reducing balance, equal monthly instalments | Final rate set after assessment. |
| Business loan | 17.0% per year | Reducing balance | Minimum UGX 10,000,000. |
Account fees
Everyday banking.
Fees for opening, running and using your Jahihi account.
| Item | Amount | Notes |
|---|---|---|
| Account opening | Free | — |
| Monthly maintenance | UGX 2,000 | Waived if balance stays above UGX 50,000 |
| Deposit at branch | Free | — |
| Mobile money deposit | Free | — |
| Withdrawal at branch | Free | First 4 per month, then UGX 1,000 each |
| ATM withdrawal (Jahihi) | Free | — |
| ATM withdrawal (other bank) | UGX 3,000 | — |
| Card replacement | UGX 10,000 | — |
| Statement request | Free | Online. Printed statements UGX 5,000 |
| Dormant account reactivation | UGX 5,000 | — |
Loan fees
What you pay on a loan.
The charges that apply on top of the interest rate. These are shown in your loan agreement before you accept.
| Item | Amount | Notes |
|---|---|---|
| Application fee | Free | — |
| Arrangement fee | 2% of loan amount | Deducted at disbursement |
| Stamp duty | 0.5% of loan amount | Government charge, passed through |
| Early repayment penalty | None | You can repay at any time |
| Late payment fee | 2% of overdue amount | Charged monthly on arrears |
| Credit life insurance (optional) | 0.9% of loan amount | — |
Trade finance
Facility costs for mineral and commodity exporters.
Facilities are priced on a case-by-case basis. The items below are the standard charges that may apply.
| Item | Amount | Notes |
|---|---|---|
| Structuring fee | From 1.5% of facility | Based on complexity and tenor |
| Commitment fee | 0.5% per quarter | On undrawn balance |
| Documentation | At cost | — |
| Independent assay | At cost | — |
| Transit insurance | At cost | — |
| Early repayment penalty | None | — |
Trade finance is arranged under a specific facility agreement. Full pricing is set out in the facility letter, which you can review before signing.
Important notices
- Rates are variable and may change. We give at least 30 days' notice before a rate increase that affects your account.
- Loan rates are shown on a reducing-balance basis. The total cost of a loan depends on how much you borrow and how long you take to repay.
- Optional products such as credit life insurance are never required to obtain a loan.