• It has two variants, the Debit Gold KES, which is linked to a Kenya Shilling GTBank Kenya account, and the Debit Gold USD, which is linked to a GTBank Kenya USD account.
  • The Debit Gold USD card can be used for ATM cash withdrawals in Kenya Shillings at a daily rate determined by MasterCard or in USD currency at a USD ATM terminal.
  • It can also be used to settle purchases/payments via POS terminals and online anywhere in the world.
  • Both Debit Gold Card variants are accepted both locally and internationally.


  • Make day to day payments at any POS.
  • Enjoy swiping at no charge.
  • Free online transactions.
  • Enjoy exclusive seasonal offers when swiping*
  • Transact internationally.
  • Multi-purpose spending companion.
  • Enjoy Safe transactions.
  • Receive SMS and email notifications for every transaction.
  • The card is valid for 3 years.


Issued upon request to all Guaranty Trust Bank (Kenya) Limited Individual, Business, NGO and Corporate account holders. 

Issuance of a MasterCard Gold Debit Card costs KES 600 or USD equivalent plus 20% excise.

Transaction Limit

Local and International ATM daily withdrawals: KES 40,000

Local and International POS daily transactions: KES 200,000

International Online Daily Transactions: KES 5,000

NB: *These limits can be amended upon request

Card replacement or renewal charge is KES 600 plus 20% excise.

N/B: A charge of Kes 35 applies for every cash withdrawal on GTBank ATMs; KES 70 on Kenswitch/Interswitch enabled ATM’s and KES 200 on MasterCard branded ATMS abroad. *All charges exclusive of 20% excise.*