/ Product and Services Portfolio

This is designed for customers who intend to accumulate savings while earning interest. Customers also have freedom to transact at their convenience. The account is available in both individual and joint categories.

Features

• Zero opening and minimum balance

• Zero monthly service fees

• Unlimited withdrawals over the counter

• Zero withdrawal charge over the counter

• Interest rate of 3% per annum

• Access to GTBank Debit MasterCard (charges are applicable)

• Free access to GTBank online mobile application (GTWorld)

This is a high interest paying savings product suitable for individual(s) who can maintain a minimum amount on the account to qualify for a higher interest as described in the features below:
Features
• Interest rate of 5% per annum
• Zero monthly service fees
• Upto 2 withdrawals per month is allowed
• Opening and minimum balance of 250,000/=
• Free access to GTBank online mobile application (GTWorld)

A Contract Savings account mainly for specified financial goals. This product is designed to encourage a savings culture among customers with a regular income to enable them reach a targeted amount of savings at the end of the agreed period. The product is available in various bands and interest is earned depending on the band the customer signs for as per the table below:
Period (months) - Interest paid (p.a)
3 @ 5%
6 @ 7%
12 @ 8%
Features
• Minimum opening balance Ugx 50,000 with flexible monthly deposits
• Contract period of either months 3, 6 months or 12 months (to be specified by customer)
• This account can only be operated in Uganda Shillings

The Seniors Account offers free banking services to individuals aged 65 years and above.
Designed to reward our senior citizens, this account package also guarantees priority treatment
for account holders across our branches.
Features
• Zero opening and minimum balance
• Zero monthly service fee
• Zero withdrawal charge over the counter
• Unlimited withdrawals over the counter
• Interest rate of 3% per annum on average credit balance
• Free debit card (with an initial deposit of at least Ugx 20,000/=)

The Smart Kids Save account is designed to enable parents/guardians save for their children under 18 years of age, whilst also developing a savings culture in them. The product is categorized into two: SKS (0 – 12 years) and SKS Teen (13 to under 18 years). SKS teen holders qualify to be issued ATM cards upon parent’s/ward’s request. This will train the kids how to
manage finances at a young age while preparing them for adulthood.
Features
• A Children savings account for persons below 18 Years.
• It is operated by the Parent / ward.
• Zero opening and minimum balance
• Zero monthly service fee
• Unlimited withdrawals over the counter
• Zero withdrawal charge over the counter
• Interest rate of 3% per annum

This product is designed for students who wish to take a step towards financial independence.
The product is perfect for undergraduates and students in Tertiary institutions to help them learn a saving culture while as making use of digital banking channels to perform transactions.
Features
• Zero opening and minimum balance
• Zero monthly service fee
• Zero withdrawal charge over the counter
• Free Internet banking, email alerts & USSD banking (*237#)
• Free monthly e-statements

This product is designed for customers organized in groups/ associations to collectively accumulate savings. GTSACCO is intended to bank customers under cooperative arrangements including: Investment Clubs, Village Savings and Loan Associations(VSLAs),Savings and Internal Lending Communities(SILCs), savings and credit associations (ASCAs), etc.
Features
• Opening Balance 100,000
• Minimum balance of UGX 10,000
• Search fees UGX 75,000
• Free online statement
• Free 1st Withdraw book
• A free Accounting tool to track and perform transactions
• Earn interest of up to 3%

This product is designed to enable customers open a GTBank account and perform transactions online without physically visiting a branch. Opening of a digital account requires no paperwork. To access the application form, the customer will need to download a GTWorld APP from Playstore or App store.
Features
• All transactions to be done online using digital channels
• For only Ugandan nationals with National ID
• Client must be 18 years and above
• Opening and minimum balance 5,000
• ATM card is optional (upon the customer request)
• Account is operated only in Ugandan shillings
• Interest rate of 3% Per annum

The product is designed for Small and Medium Enterprises (SMEs) and individual(s) who have regular transactions.
Features
• Opening and minimum Balance 200,000/=
• Company search fee 75,000 (for only companies)
• No ledger fees
• Interest rate of 3% Per annum if the minimum balance is maintained
• Free Stamped E- statements
• Free 1st Withdrawal book
• Upto 5 withdrawals per month is allowed.

A business transactions account for companies / corporations / organizations and entities.
Features
• Opening and minimum balance of UGX 50,000
• Zero minimum Balance
• Monthly service charge of UGX 20,000
• Charge below minimum balance of UGX 5,000
• Company search fee Ugx.75,000
• Access to online platform (GAPs) for fast, secure and seamless transactions
• Free Stamped E- statements

Features
• Minimum Operating Balance is UGX 100,000.
• Fixed monthly ledger fee of UGX 50,000
• Withdraw charge over the counter of UGX 2,500
• Company search fee Ugx.75,000
• Free Stamped E- statements
• Free access to online platform (GAPs) for fast, secure and seamless transactions

Features
• Opening balance and Minimum balance of UGX 20,000
• Monthly service fee of UGX 10,000
• Withdraw charge over the counter of UGX 2,500
• Below minimum balance charge UGX 5,000
• Free 1st withdraw book on opening an account
• Free Stamped E- statements

This account is designed for non profit organizations to enable them transact at the cheapest rates possible.
Features
• Opening and minimum balance of UGX 250,000
• Company search fee Ugx.75,000
• Zero monthly charge
• Free 1st withdraw book on opening an account
• Free Stamped E- statements
• Free access to online platform (GAPs) for fast, secure and seamless transactions

This product is designed to enable education institutions like schools and universities collect fees payments in the cheapest way possible. GTBank offers a free Realtime fees payment monitoring tool called GTSchool collect to help schools remotely confirm school fees payments.
Features
• Opening Balance Ugx 200,000
• No minimum Balance
• No ledger fees
• Free setup on GTSchool collect.
• Free online statement
• Free 1st Withdraw book
• Search fees UGX 75,000

Features
• Opening and minimum balance of UGX 250,000
• Zero monthly charge
• Access to weekly account statement via email on request
• Access to online platform (GAPs) for fast, secure and seamless transactions

• GTWorld App: This an online mobile banking platform that enables GTBank customers perform transactions using mobile phones. Such transactions include: wallet to bank transfer, bank to wallet transfer, bill payment, buy airtime etc. GTWorld APP can be downloaded from PlayStore or App Store
• USSD banking: This is an offline mobile banking platform that enables GTBank customers perform transactions using a USSD code: *237#.

This is an online transaction platform designed for companies and organization for effective financial monitoring and management . GAPS has features like: multiple authorizers to transactions, bulky payments, forex trading, local and international transfers etc.

This is a digital platform designed for GTBank individual account holders who wish to perform transactions online. The platform enables customers to perform transactions even when they travel outside Uganda.

This is a free mobile wallet platform designed by GTBank for both customers and non-customers to enable users perform transitions like: bill payments, URSB payments, fund transfers (to bank accounts, mobile money etc) etc. This planform is totally free and can be downloaded from Playstore or Appstore.

This platform is designed to support none cash transactions e.g card and mobile money collections for business owners. Such business include: petrol stations, supermarkets, fintechs etc. GTPay allows integrations on several other platforms and can be customized to fit the customer’s need.

This platform is designed to enable schools receive, manage and monitor fees payments in real-time. The service also enables parents/students to pay fees conveniently using phones. The service is totally free for all school running accounts with Guaranty Trust bank Uganda.

GTRemit is used by GTBank accounts holders to send money to non-customers through any of our branches. This services enables non-GTBank customers to withdraw funds over branch counters using codes initiated by account holders. such services may include: salaries for casual workers, one-time payments etc.

These are physical cards that enables a customer perform transactions using ATM machines, Point of sale terminals and online payments. Our cards are categorized into: Debit cards( for GTBank account holders) and Prepaid cards (For both GTBank customers and non account holders).

These are money transfer services that enable customers and non-customers to send and receive from over sees instantly. These services can only be accessible inside GTBank branches.

This service enables GTBank customers to access banking services such as cash deposits, withdraws, bill payments among others through authorized agents that are deployed in various locations.

i) USSD code: *237*17# (Instant account opening):This code is used to instantly open a GTBank account and make deposits in real-time.
NB: Please note that this account is tentative and can only be fully operational after filling in a GTBank physical account opening form or a digital account opening form on our official

ii) USSD code: *237*30*account number# (Panic code): This code is designed to help customers to temporarily disable all digital channels connected to the account instantly. This code can be used when a customer’s user credentials are exposed to a third party. Such Circumstances may include theft of phones, laptops etc. The code can be used on another person’s phone to block access to your digital banking

iii) USSD code: *237*13# (URA Payments): This code is designed to facilitate quick payments to Uganda Revenue Authority.

iv) USSD code: *237*15# (School fees)
This code is designed to facilitate school fees payments to schools registered with GTSchool collect.

v) USSD code: *237*100#
This code is designed to facilitate payments including Rent, Donations and church tithe etc.