Toto’s Treasure Account

Our Toto’s Treasure Account, is a savings account targeting children from birth to 18 years.The Toto’s Treasure Account, creates avenues where parents can inculcate a savings culture amongst their children while saving for their future financial needs at the same time.


  • Opening bal. UGX 30,000/=, USD/EUR/GBP 50
  • bal. of UGX 20,000, USD/EUR/GBP 30
  • Interest of 3% per annum for UGX and 0.5% per annum for USD, accrued on daily basis and paid quarterly
  • No a/c maintenance fee
  • Charge for extra withdraws of 10,000/=, USD/EUR/GBP10.
  • Access to a savings box (optional and at a fee to customers)
  • Option of a Prepaid MasterCard


  • Ability to save for children’s education
  • Attractive interest rates
  • Access to a savings box
  • 1 free withdraw per quarter
  • Life insurance cover of up to 4 times your account balance
  • Permanent disability cover of up to 2 times your account balance
  • Retrenchment payment cover not exceeding the average monthly savings for the previous 6 months paid for a maximum of 3 months
  • Medical cash benefits of UGX 50,000 per day for 14 days in case of hospitalisation
  • Last expense cover

Fees and Charges:

  • No a/c maintenance fee
  • Charge of UGX 10,000, USD 10, GBP 10 and EUR 10 for extra withdraws in the quarter


  • Birth certificate/Immunization card/ baptism card.
  • Valid Identification for parent /guardian
  • 2 passport size photos for parent/guardian and 2 for the child.

Requirements For Non-biological Child:

  • Guardianship order where available
  • The parent should come to the Bank and write a letter authorising the guardian to open the Toto’s account.
  • In case the parents are deceased, the copy of letters of administration and/ or death certificate should be obtained.
  • In the absence of all the above, the guardian should provide a letter signed by the local authority/leader e.g. Church, CAO etc. that is verifiable by call back.

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