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 balance of UGX 30,000/USD/EUR/GBP 50
  • Minimum balance of UGX 20,000/USD/EUR/GBP 30
  • No account maintenance charges
  • 1 free withdraw per quarter
  • Interest bearing account
  • Access to insurance benefits
    • 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 in case of hospitalization
    • Last funeral expense cover


  • Ability to save for children’s education
  • Attractive interest rates
  • Access to insurance benefits like Feesecure (death/permanent disability), retrenchment, medical cash benefit, funeral benefit, dental benefit, scholastic material


  • Birth certificate/Immunization card/ baptism card
  • Valid National ID 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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