Dhahabu Account


Is a contractual saving plan in which a customer selects and saves a regular amount monthly without making a withdrawal until the attainment of the tenure.

Dhahabu Account can now be applied through SimBanking App.

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10 great features of our Dhahabu Account

  • Operating currency: TZS only
  • The minimum opening balance is TZS 100,000
  • Minimum account tenure is 3 years and maximum of 20 years.
  • Interest is accrued monthly and paid semi-annually
  • Withdrawal is upon maturity
  • No charges on withdrawal or monthly charges
  • Emergency loan of up to 80% of the invested amount. 
  • You can make deposit at any time  
  • Uplifting deposit above 5 years NO penalty


7 reasons to open a Dhahabu Account

  • Tenure selection flexibility  
  • Fund Security  
  • No Monthly Fees or withdrawal fees  
  • Joint operation is allowed 
  • Ability to save and fulfill long term financial plans  
  • Preferential interest rates
  • Bonus Interest for tenures above 10 years
  • Discount on premium for Insurance policies including Life Insurance which are issued by CRDB Bank

To open the account, you must

  • Be a customer aged 18 years and above
  • Have two passport size photographs (For customer with no NIDA ID/Number)
  • Have a valid ID (NIDA ID, Voters ID, Passport, Driver’s licence, Zanzibar ID)


No, DHAHABU customers cannot get CRDB debit

No, DHAHABU customers cannot request for chequebook facility, since this account is purely for saving

No, the DHAHABU account does not have access SIM Banking facility.

Yes, DHAHABU customer has access to an emergency loan of up to 80% of the account balance after six months

Yes, DHAHABU customers can request for a statement, showing activities during the requested period.

No, DHAHABU does not have any operational fees (monthly fees, or withdrawal fees)

No, DHAHABU does not have transactional limits.

Yes, Dhahabu Customer can set up standing instruction (Free) from their CRDB personal account to their Dhahabu account.

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