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Accounts

We offer affordable and suitable financial solutions that cater to the diverse needs of our communities. Join us on this journey towards a more financially inclusive society.

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Personal Accounts

Personal Current

We help you manage your money effortlessly. Deposit, withdraw, and transact with ease wherever business or life takes you.

Ordinary Savings Account

We make everyday banking simple and reliable, so you can focus on what matters most — living your life with ease.

Early Start Account

Early Start Account Because it’s never too early to save. We help your child take their first steps toward a lifetime of smart money choices.

ZeroFlex Account

A digital account designed for individuals who want convenience, simplicity, and affordability at their fingertips.


Diaspora Account

A convenient account designed for Ugandans living abroad who want to save, invest, and support their families back home securely.


Smart Woman Account

We empower women to take charge of their finances, to save, grow, and achieve financial freedom with confidence. .

Business Accounts

Business Current Account

Designed for reliable financial management, daily transaction support, and access to business financing.

Fixed Deposit Account

Lock in your savings and watch them grow with steady, reliable returns over your chosen period.

Summit Business Account

For businesses ready to go further, enjoy banking that matches your ambition and keeps you moving forward.

Downloads

Account Opening Checklist

View Details

© 2025 Pearl Bank Uganda. All Rights Reserved. Pearl Bank Uganda Limited is regulated by Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund of Uganda up to 10 Million Shillings, Terms and conditions apply.

Overview

Simple, everyday banking for you. A current account designed for individuals who want easy access to their money, with full banking privileges and global access.

  • Access to loans and overdrafts.
  • Affordable local and international transfers.
  • Instant transaction alerts.
  • Free monthly e-statements.
  • 24-hour Internet and mobile banking.
  • Opening balance: UGX 50,000, USD 50
  • Minimum balance: UGX 20,000, USD 25
  • Multi-currency (UGX, USD, EUR, GBP, KES).
  • Cheque book available on request.
  • National ID, Passport, or Refugee ID.
  • One passport-size photo.
  • Ideal for individuals who want everyday convenience and financial control.

Visit any Pearl Bank branch or open your account online today to experience effortless personal banking.

Overview

A simple, flexible savings account for anyone who wants to start saving regularly, access their money easily, and earn interest while building financial discipline.

  • Earns interest of up to 0.5% on balances above UGX 10 million.
  • No monthly management or below-minimum charges.
  • Access to loans and other financial services.
  • Instant transaction alerts for transparency.
  • Affordable local and international transfers.
  • Opening and Minimum balance: UGX 8,000
  • No penalty for low balances.
  • Access via online and mobile banking.
  • Valid National ID, Passport, or Refugee ID.
  • One passport-size photo.
  • Minimum opening deposit of UGX 8,000.
  • Perfect for everyday savers, from students to individuals in business who want a safe place to grow their money.

Start your savings journey today. Visit any Pearl Bank branch or open your account on PearlApp and watch your money grow.

Overview

A savings account for children below 18, opened and managed by parents or guardians, helping children develop smart money habits early.

  • Earns up to 6% interest on balances above UGX 200,000.
  • One free bank draft per school term.
  • Direct payments to schools made easy.
  • Opening and minimum balance: UGX 10,000
  • Free SMS alerts and mini statements.
  • Access to Piggy bank at UGX 20,000
  • No minimum balance penalty.
  • Birth certificate or school ID for the child.
  • Parent/guardian ID.
  • Passport photo of both child and parent/guardian.
  • Ideal for parents and guardians who want to secure their child’s financial future.

Start your child’s savings journey early. Open an Early Start Account on www.pearlbank.co.ug today and watch them grow into money-smart adults.

Overview

Banking without barriers. Anytime. Anywhere. ZeroFlex is a digital account designed for individuals who want convenience, simplicity, and affordability at their fingertips. Open it online, transact freely, and enjoy zero monthly fees — all without visiting a branch.

  • No monthly maintenance fees - save more, every month.
  • Free bank transfers to MTN, Airtel, and Wendi wallets.
  • Access your money anytime via mobile banking or Internet Banking.
  • Access to cheque books
  • Enjoy 1 free over-the-counter withdrawal every quarter.
  • Simple self-onboarding with no paperwork.
  • Opening balance: UGX 20,000
  • Minimum balance: UGX 20,000
  • Monthly management fee: NIL
  • Links to variety of services such as investments, loans .
  • Valid National ID or Passport (for non-Ugandans)
  • Mobile phone, Tablet or PC for self-onboarding

Open your ZeroFlex Account today via PearlApp or www.pearlbank.co.ug and enjoy banking without borders.

Overview

A convenient account designed for Ugandans living abroad who want to save, invest, and support their families back home securely.

  • No monthly management fees.
  • Earn up to 0.5% interest on balances above UGX 5 million.
  • Access your account online from anywhere in the world.
  • Easy local withdrawals and transfers to mobile money
  • Opening and minimum balance: UGX 35,000 or equivalent in foreign currency.
  • Available in UGX, USD, GBP, EUR, and KES.
  • 24/7 online banking access. Requirements
  • Valid passport or national ID.
  • One passport-size photo.
  • Completed account opening form.
  • Perfect for Ugandans in the diaspora looking to manage savings, support family, or invest back home with ease.

Stay financially connected to Uganda. Open your Pearl Bank Diaspora Account today on www.pearlbank.co.ug and bank from anywhere in the world.

Overview

For women who save, invest, and lead. A savings account designed specifically for women and those in women-led groups to promote empowerment through saving, business growth, and financial literacy.

  • Earns up to 6% interest on balances above UGX 200,000.
  • Affordable transfers locally and globally.
  • Free e-statements and SMS alerts.
  • 24-hour access via online and mobile banking.
  • Opening balance and Minimum Balance: UGX 25,000
  • Management fee: UGX 3,000
  • Minimum balance: UGX 25,000
  • Valid National ID, Passport, or Refugee ID.
  • Passport photo.
  • Tailored for women in business, savings groups, and professionals seeking to grow financially.

Empower your financial journey. Open a Smart Woman Account today on www.pearlbank.co.ug and take control of your growth and prosperity.

Overview

Banking that grows with your business. A current account designed for companies, NGOs, and registered entities that need reliable financial management, daily transaction support, and access to business financing.

  • Access to overdrafts and loans.
  • Free e-statements.
  • Instant alerts for all transactions.
  • Easy local and international transfers.
  • 24-hour online and mobile banking.
  • Opening balance: UGX 100,000, USD 100
  • Account management fee: UGX 5,000, USD 50
  • Multi-currency options available.
  • Cheque book on request.
  • Business registration documents.
  • Valid IDs for all signatories.
  • Board or management resolution.
  • Perfect for registered businesses and organizations looking for a professional banking partner.

Empower your business today — open a Business Current Account at Pearl Bank and grow with confidence.

Overview

A secure investment account that allows you to deposit a fixed amount of money for a set period and earn higher interest. The longer you save, the more you earn.

  • Earn attractive interest rates of up to 15% p.a., depending on the amount and duration.
  • Guaranteed returns on your principal and interest are protected.
  • Flexible investment periods ranging from 1 month to 12 months or more.
  • Free fixed deposit certificate upon placement.
  • Easy renewal or rollover options at maturity.
  • Minimum investment amount: UGX 1,000,000.
  • Available in both UGX and major foreign currencies (USD, GBP, EUR, KES).
  • Interest payable monthly, quarterly, or at maturity.
  • No withdrawals before maturity (unless under special terms).
  • Valid National ID or Passport.
  • Passport-size photo.
  • Completed Fixed Deposit Account opening form.
  • Minimum deposit of UGX 1,000,000.
  • Valid National ID or Passport.
  • Passport-size photo.
  • Completed Fixed Deposit Account opening form.
  • Minimum deposit of UGX 1,000,000.
  • Ideal for individuals, businesses, or organizations seeking a safe, high-return investment option.

Make your money work harder for you. Open a Fixed Deposit Account with Pearl Bank on www.pearlbank.com and earn while you rest.