Malawi’s leading
specialist bank
Personal banking
Personal
banking
Whether you are saving for the future or managing day-to-day finances, CDH Investment Bank offers secure, flexible, and convenient personal banking solutions to help you achieve your financial goals with ease
Our cheque account is ideal for personal customers transactions
Features:
- Minimum opening amount of K500,000.00
- Minimum account balance of K10,000.00
- Interest earning balance of K500,000.00
- Account comes with cheque book till end December 2025
Benefits:
- ATM card based for individual customers and sole traders
- Linked to digital banking
- Standing/stop orders can be loaded
- Client can have access to an overdraft facility subject to credit approvals
Our investment account allows your deposited funds to earn attractive interest and are easily accessible.
Features:
- Opening and minimum balance of K1 million
- No service fees
- Linked to any transactional account
Benefits:
- Funds are available on demand
- Attractive interest rates
- No service fees
- Accounts are open to more deposits/withdrawals
- Interest is paid monthly
Our prime investor account is ideal for individual committed to saving money for attractive returns. The account rewards savers by giving out one of the highest interest rates on the Malawi market for a savings account.
Features:
- Starting deposit and minimum balance of K500,000.00
- Client can top up the account with any deposit amount
- Interest is paid semi-annually
Benefits:
- Very competitive interest rates
- No monthly ledger fees
- Flexible withdrawals above minimum account balance
- Account can be accessed through internet Banking and ATMs.
Our smart savers account provides value to savers.
Features:
- Opening balance of K100,000.00
- Minimum balance of K100,000.00
- Interest payment: Monthly
- No limit on withdrawals
- Interest rate accrues on monthly average balance.
- Can be linked to Internet Banking and ATM cards.
Benefits:
- Very competitive interest rates
- No monthly ledger fees
- Flexible withdrawals above minimum account balance
- Account can be accessed through internet Banking and ATMs
NB: All personal banking accounts allow access to a same day loan of up to 70% on account balance,
minimum being K500,000 charged at base rate applicable and payable over 12 months.
With our flexible fixed deposits, you can place deposits as you prefer for 1 month, 2 months, 3 months, 6 months, 9 months and 12 months, available for both corporate and personal banking.
Features:
- You need to have an operational CDH Investment Bank account such as current, smart saver or prime investors account
- Minimum balance of K100,000.00
- Interest payment: As per contract
Benefits:
- Very competitive interest rates
- No monthly ledger fees
Our FCDA account allows you to maintain funds in another currency other than the currency of the country in which the bank is located. The operation of such an account is subject to Exchange Control Guidelines of the Reserve Bank of Malawi.
Features:
- No minimum opening amount
- Interest is negotiable
Benefits:
- Allows client to hedge against exchange rate fluctuations
- Client I able to make foreign payments directly from account
- Client can explore an alternative form of Investments
We provide treasury placements allowing clients to invest funds on contract and funds invested are available after the contract has matured. A client can place a fixed deposit for 1 month, 2 months, 3months, 6 months, 9 months and 12 months.
Features:
- Minimum opening and account balance of K1,000, 000.00
- Client can top up with any amount
- Clients cannot withdraw otherwise contract termination will attract a penalty fee.
Benefits:
- Funds can be pledged and used as collateral
- No service fees charged
Personal lending
Cash covered personal loans
We provide cash covered personal loans to cover your short term liquidity constraints and is totally secured by the client’s deposit in a Savings Account or a Fixed Deposit Account.
Features:
- Minimum facility amount of K500, 000.00
- Maximum of 70% for Smart savers account and 80% for prime investors account and fixed deposit account
- Loan is repayable within 12 months
- Interest rate is charged at base rate applicable
Benefits:
- Same day processing
- Clients can make early repayment without any penalties
- Interest rate is charged at base rate only
Executive overdrafts
We provide special executive facilities catered for the personal needs of executives and senior managers in companies, parastatals, NGOs, etc. Our executive overdraft allow you to overdraw your accounts up to agreed limits.
Features:
- The overdraft limit is 100% of net income and to a maximum of K10, 000, 000.00.
- Maximum repayment period of 12 months.
- The facility will be repaid through salary but other sources of income need to be declared by the client.
- Interest rate will be charged at base rate applicable plus 3%
Benefits:
- Funds are available immediately and one can use as much of their agreed overdraft limit as needed.
- Interest is only paid on the portion of the overdraft utilised
Executive loans
Our executive loan is a premium financial solution tailored to meet the personal needs of senior professionals, executives, and managers across companies, parastatals, NGOs, and similar organizations. Designed for high-net-worth individuals within our target clientele, this facility offers a lump sum amount to support personal financial goals, with flexible repayment options.
Features:
- Loan amount: Up to 40% of your net salary, with a maximum limit of K20,000,000.00
- Repayment period of up to 36 months
- Repayment method is primarily through salary deductions; arrangements can be customized for individuals with additional sources of income
- Disbursement of funds as a lump sum, providing immediate access to the required amount
- Interest rate is calculated at the Malawi Reference Rate (MRR) plus 6%
Benefits
- Enjoy competitive interest rates aligned with market standards
- Flexible terms with loan features being adaptable based on compliance and individual needs
- Easy repayment offering convenient salary deductions, with options for early settlement, loan booking, and liquidation
- Special arrangements are available for clients with unique financial circumstances
Empower your financial plans with our Executive Loan – a tailored solution designed for senior professionals to achieve their personal financial objectives with ease and confidence.
Term loans
We provide term loans which give you a fixed-duration financing solution designed to support your strategic growth and capital needs. Typically offered for a period of three to seven years, this loan features a structured repayment plan aligned with your business’s cash flow projections. With a minimum loan amount of K20 million, the maximum amount is determined solely by your financial needs and repayment capacity.
Who we serve:
This product is ideal for corporate clients with a proven track record of profitability and positive future profit projections, demonstrating the ability to service the loan through cash flows.
Benefits:
- Interest payments are generally payable in arrears via direct debit from your current account
- Repayment schedule is flexible for monthly, quarterly, biannual, or annual installments, tailored to your cash flow cycle
- A capital repayment moratorium can be considered upon request
- Full or partial early repayments are possible, subject to negotiation with the bank
Empower your business to achieve its strategic objectives with our flexible and structured Term Loan, crafted to align with your financial capacity and growth plans
