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The best banking services at an unbeatable price
The Budget package gives you access to: our Fellow bank card, Sara Banking Sara Money, Mac, Orange Money
Target
- You are young, an unstable income or a low-income earner.
- We have you in mind because you are the future.
- We want to support you in your growth.
- You are entitled to banking services.
- We have put together a comprehensive package for you that includes everything you need to do your banking and keep control of your account at discounted rates.
-Cost: XAF 500 excl. tax/month
A wide range of products and services in a tailor-made package for civil servants and other state employees.
- Partner bank card
- Permanent overdraft
- Sara Money
- Mac Orange
- Mac MTN
- Insurance against card fraud/card replacement/cash theft at ATMs/and for the protection of your purchases
Target:
- Public sector employees, this package guarantees the availability of your funds 24/7.
- You have several channels for tracking movements on your accounts.
- The civil servant pack guarantees premiums in the event of loss or theft of your bank card.
Cost: XAF 1,950 excl. tax/month
Civil servants, enjoy the following priviledges of your Business Package:
- Visa Classic bank card
- Permanent overdraft
- Standing orders
- SMS First
- Sara Banking/Sara Money
- Mac Orange/Mac MTN
- Insurance against bank card fraud/ card replacement/cash theft at ATMs/and against the protection of your purchases protection/insurance for travellers /emergency medical assistance/personal assistance for travellers/loss and delay/personal travel/liability for travellers
Business executives, private sector employees, SME promoters, we have catered for your financial needs in Cameroon and when travelling abroad. With the Business Pack , your banking transactions are simple and fast. Maintain full control over your bank account when you travel abroad. And receive premiums in case of claims.
Cost : XAF 4,500 excl. tax/month
A world of privileges tailored to suit you who deserve distinction and honour.
Products included in the package
- Visa Gold bank card
- Permanent overdraft
- Standing orders
- Fee-free card renewal
- Express service
- SMS First
- Sara Banking/Sara Money
- Mac Orange/Mac MTN
- Insurance against bank card fraud/ card replacement/cash theft at ATMs/and against the protection of your purchases protection/insurance for travellers /emergency medical assistance/personal assistance for travellers/loss and delay/personal travel/liability for travellers
Cost : XAF 12,000 excl. tax/month
Holding a bank account in Afriland First Bank allows you to carry out the following day-to-day operations: funding your account, paying your bills or expenses, managing your accounts and the domiciliation of your income.
Targets
Who can open a personal current account? The personal current account is for any person, adult or minor (with the agreement of the legal guardian) residing in Cameroon and having a legal capacity. A customer is allowed to hold one or more accounts.
Specifications:
Your current account allows you to:
- Subscribe a package
- Domicile your income (salaries, pensions...)
- Take out a bank card with automatic renewal or on request
- Benefit from an authorised overdraft or credit to deal with unforeseen circumstances
- Receive your account statement by email (e-statement)
- Thanks to the digital services of your pack, consult and manage your account remotely, at any time, by telephone or internet.
Requirements :
Account opening requirements :
- The unique identification number issued by the General Tax Directorate
- A legalized photocopy of your NIC or passport
- One 4x4 photo (for every signatory)
- A location map of your residence.
- A bill (water, electricity, telephone bill, etc.)
- Proof of income (pay slip or other)
- For Cameroonian nationals residing abroad, provide any document that shows the address of your residence abroad and/or a location map of your residence in Cameroon.
Build up flexible savings at your pace at a preferential rate guaranteed at the time of opening and bearing interest every 6 months. Through this account, you can increase the value of your savings without risk and without additional charges.
Who can open a Savings Account?
The passbook savings account is for any natural person, aged over 18 years, resident in Cameroon and having the capacity to save. It can also be opened for minors, subject to the authorisation of their parents or legal guardian.
Specifications
- Freedom
- An interest earned on your account
- Security
- Unlimited access to savings
- Initial minimum deposit: CFAF 25,000
- Extensive network
- Minimum permanent balance: CFAF 25,000
- Authorised operations: deposits and withdrawals (including by bank card)
- Account management fees paid per semester
Opening Requirements :
- The unique identification number issued by the General Tax Directorate
- One 4x4 photo
- Legalised photocopy of your identity card
- Location map of your residence
- Proof of residence (lease contract or water, electricity, telephone bill, etc.)
- For cameroonians living abroad provide any document that content their address abroad and/or the location map of their residence in Cameroon.
OPENING REQUIREMENTS
At your request, we offer you a specific bank account that shields you from the risks related to exchange rate fluctuations. Domicile your foreign currency income in this account and benefit from preferential fees. Carry out all authorised operations: deposits, withdrawals, transfers, etc.
Target:
BEAC regulations reserve the foreign currency account for non-residents, i.e. persons whose tax address is outside the CEMAC. This applies to members of the diplomatic corps or tourists staying in the sub-region.
Opening Requirements:
- Be a foreign national resident in the CEMAC region
- Provide an authorisation from the Ministry of External Relations (Minrex)
- A photocopy of your passport or diplomatic card
- One 4x4 photo
- A location map of your residence
An Islamic Personal Account offers individual customers the possibility of domiciling their income and carrying out a wide range of banking operations (e.g. withdrawals, deposits, transfers, cheque writing) in keeping with the precepts of Islamic law.
Benefits :
- Compatible with the precepts of Islam
- A cheque booklet and a bank attestation
- Allows bank transfers
- Negotiable minimum deposit at opening
- No restriction on banking transactions
- Access to Afriland First Bank's financing
- Bank cards and digital banking
Specificities :
- Maintenance fee-free
- Non-interest bearing
- Compliant with Islamic financing for individuals
Account Opening Requirements :
- A legalized photocopy of the NIC or passport
- One 4x4 photo
- A home location map
- Proof of home address (lease contract or water, electricity, telephone bill, etc.)
- Proof of income (pay slip or other)
- Taxpayer’s attestation
Subscribe to an Afriland First Bank savings bond and build up your savings for a term of 3 to 24 months. The savings bond is a secure savings instrument that is yields in interest at maturity.
The interest on the savings bond is transferable at subscription or at maturity. Simply ensure that you have enough money to cover your needs until the maturity of your bond.
Benefits:
- Free of Proportional Tax on Income from Transferable Securities
- Security considering that your savings are only available at maturity
- No bank account required
- Confidentiality - you can either subscribe a savings bond anonymously or nominally
Specificities :
- For natural persons only
- Minimum amount: CFAF 10,000,000
- Term: 3 months minimum - 2 years maximum
- Interest rate: 3%.
- Interest: payment at maturity or in advance.
Our activities:
- Negotiation of facilitation contracts
- Initial public offering (issue of negotiable debt and equity)
- Purchase and sale of securities
- Portfolio management
- Financial engineering
- Collective management
- Placement of financial instruments
- Management of securities and share savings accounts
- Listed and over-the-counter trading
- Placement of free orders on the stock exchange
- Management of transfers, deposits and withdrawals of securities
- Back office management for third parties
- Specialist in government securities
- Custodian and depository of securities for foreign asset managers
- Specific financial products
Our Assets:
Our studies - Our advice - Our analyses - Our regularly updated databases.
Specialists at Your Service:
- The support of leading analysts
- Analysis and decision-making tools at your disposal
- Direct access to global major financial centres
- Prepaid Cards
We offer you maximum flexibility in managing your money through three formulas :
- I-CARD PLUS Salary: Companies can manage their staff's payroll for free.
- I-CARD PLUS Pension: Pensioners can receive their allowances regardless of where they are located.
- I-CARD PLUS Student: Parents can empower their children and manage their pocket money remotely.
- Fellow Card
They are linked to the savings account.
Annual subscription fee: 6,000 CFA francs excluding tax.
Weekly limit: CFAF 750,000.
Validity: 4 years.
- Prepaid Cards
They are linked to the current account.
Annual subscription fee: 24,000 CFA francs excluding tax.
Weekly limit: CFAF 1,000,000.
Validity: 4 years.
Your advantages
- Security of funds guaranteed by double authentication;
- Payment at merchants;
- Availability of funds 24 hours a day, 7 days a week through our ATM network;
1/ International Prepaid Cards
- Weekly withdrawal limit: 1 million CFA francs;
- Money transfer from card to card;
- A monthly payment capacity equivalent to the balance of the card;
- The prepaid I-Card Visa/Mastercard allows you to make purchases up to the available balance;
- Service available to account holders and non-account holders;
- This card is loaded at First Bank counters;
- Annual subscription fee: CFAF 10,000 including tax
- Validity: 2 years.
2/ Visa Classic Debit/MasterCard Premium cards:
- A monthly payment capacity of 3 million CFA francs;
- Card-to-card money transfer
- Weekly withdrawal limit: 1.5 million CFA francs;
- Service available to account holders;
- Subscription fee/ annual subscription: CFAF 40,000 excluding VAT
- Validity: 4 years.
Visa Gold / Mastercard Gold
- A monthly payment cap of CFAF 3 million
- Card to card money transfer
- Weekly withdrawal ceiling of CFAF 1.5 million
- Service available to account holders
- Annual subscription fee: CFAF 40,000 excluding VAT (valid for 4 years).
Our bank cards comply with the 3D Secure security protocol.
The 3DSecure is a security protocol for cardholders wishing to make online transactions.
How does it work?
For any online purchase by debiting the card, the transaction is validated by an OTP code (One Time Password) delivered in the phone number attached to the card.
Quality of service
We offer our customers a vast network of ATMs in Cameroon and in the Central African sub-region for their withdrawals, balance consultation, card-to-card transfer, PIN change, etc.
With our cards, you can also make payments at our ATMs and at other CEMAC banks, in accordance with the provisions of the monetary convergence ecosystem of the Groupement interbancaire monétique de l’Afrique centrale (GIMAC)
We guarantee you a better quality of service and optimal satisfaction with a fast response time to complaints.
- School Loan: Take out a school loan of up to 9,500,000 CFA francs, which is available within 24 hours at a rate of 10.75%. This short-term financing plan for back to school pays for itself in ten months.
- End of year Loan : To spend pleasant moments with your family and start a new year with joy
- Religious Festivities Loan :To meet your spiritual aspirations
Requirements:
- Salary domiciled in a specific current account opened in our books
- Written application stating the amount of the loan, its purpose, the source of repayment, etc.
- Certificate of irrevocable transfer
- Certificate of effective presence in the workplace
- For civil servants, at least one month's longevity at the duty position. For employees in the private sector it is required that they have been in the service for at least 6 months (provide a certificate of employment, an employment contract and the last three pay slips)
- Longevity as the bank's customer: the applicant who is a civil servant must be a holder of an account in Afriland First Bank for at least one month. Private sector employees must have had their salaries domiciled with Afriland First Bank for at least three months.
- Take out Malaika insurance in case of an overdraft request
- Take out a Disability and Death Insurance (DDI) in case of Long Term Credit (LTC),Short Term Credit (STC) and Long Term Credit (LT).
Getting Married
Are your many commitments preventing you from organising your wedding in peace? Are your savings not enough to afford the ceremony of your dreams? Go to our closest branch to benefit from the best conditions for obtaining a loan to pay for your wedding!
Accommodation
Do you dream of a nice house in a quiet area where to raise your kids? Or maybe you rather need a second home? It doesn’t matter. First Bank’s medium and long-term loans are flexible and attractive. Go to the closest branch to obtain a personalised loan that can be repaid at the pace you choose.
Going on Holiday
It’s been a long year. When you take your annual leave, you may want to take a trip to a different place. Afriland First Bank’s short term credit allows you to re-energise at your chosen destination and return to your best for more efficiency.
Taking Care of Yourself
Health first. You don’t have a health insurance policy at the moment? This concerns you. If an unforeseen health situation arises, contact our customer advisors and obtain the financial resources to ensure your care.
Getting an Overdraft
Is an unexpected expense disrupting your monthly planning and threatening your finances? Do you want to solve a specific problem without compromising your financial balance? Go to an Afriland First Bank branch and get an overdraft in less than 24 hours!
Buying a Car
Delays and bad weather can take a toll on your career. Gain more independence in your many trips. Buy your first car or change your old one. The choice is yours.
Burying a Loved One
In addition to the pain of losing a loved one, there is usually the stress of organising the funeral and you don’t know what to do? Afriland First Bank has thought of this anxiety-provoking situation. Our short-term credit is the lifeline you need. Ask your account manager for advice.
Debts owed to another bank do not prevent you from joining the Afriland First Family and benefiting from the wide range of services available to our customers. Afriland First Bank will buy back debts you owe another bank to give you a new lease of life.
Compile an application file comprising the following documents:
- Last three pay slips
- A Written Undertaking
- Certificate of effective presence in the position of duty
- Account opening procedure
If you are not a civil servant, first ensure that there is an agreement between Afriland First Bank and your employer..
Your child's higher education is a priority and a requirement for you, think As Millenium!Presentation
As Millenium is a SAAR-VIE product offered by Afriland First Bank. It fulfils the dream of every parent to ensure that their child receives a quality higher education. It is an insurance contract that guarantees the financing of your child's higher education, regardless of the hazards of life (loss of employment, illness, death, disability, etc.).
Benefits:
- The policyholder is free to choose the amount of his or her premium, the beneficiary and the age at which the child will be able to benefit from the capital
- A savings plan that includes a "savings-investment" component and a "guarantee" component in the event of death or permanent and total disability. These savings are essential for building up of a capital sum to ensure the child's higher education
- In the event of death or permanent and total disability of the subscriber
- Payment of a capital sum at the time of the death of the policyholder
- Waiver of the payment of premiums and payment of the capital sum or annuity at the starting date initially indicated in the contract
- Payment of an indemnity, in the form of a reversible life annuity until the date indicated in the contract
- In the event of the policyholder's death, payment of the insured capital in a lump sum or in periodic annuities, depending on the option chosen.
- The possibility for the policyholder to make regular or occasional payments with a minimum amount of CFAF 5000/month.
Compensation:
Fill in an application form available in the various Afriland First Bank branches or at SAAR-VIE, mentioning the following fields: date of birth, profession, nationality, UIN, the amount of the premium, the periodicity (monthly, quarterly, half-yearly, annual), the duration of the contract, etc.
Contact :
- SAAR vie
Headquarters
P.O. Box : 101 1 Douala – Cameroon
Phone : (237) 233 43 92 02
Fax : (237) 233 43 92 01 - Afriland First Bank
Head Office
P.O. Box: 4079 Yaounde – Cameroon
Phone: (237) 222 23 31 74
Fax : (237) 222 23 31 64
Independence Square
P.O. Box: 11 834 Yaounde – Cameroon
Phone: (237) 222 51 80 50
Whatsapp : (237) 680 05 80 05
E-mail : qualite@afrilandfirstbank.com
Preparing for retirement and anticipating this period of life is becoming an imperative for all employed persons from the start of their careers. It is therefore necessary for everyone to consider this, by arranging for supplementary income. Flash Millenium is the answer!
Presentation
Flash Millenium is a Saar Vie product offered by Afriland First Bank. It is a highly recommended solution for providing additional income so that one's "lifestyle" is not overly affected by a change in status. It is a contract that allows the policyholder or subscriber/payer to prepare for retirement in a secure manner.
Benefits:
- The policyholder is free to choose the amount of his or her premium and the beneficiary of the capital accumulated.
- A savings plan with guarantees for the future, since it includes a "savings-investment" component and a "guarantee" component in the event of the death or permanent and total disability. The savings are necessary for building up a capital sum for the retirement of the employee or any other person seeking to raise a capital for investment.
- The development of a social security plan for the informal sector and those excluded from the traditional social security system
- The possibility for the policyholder to make regular or occasional payments of at least CFAF 5000/month
Compensation:
Fill in an application form available in the various Afriland First Bank branches or at SAAR-VIE, mentioning the following fields: date of birth, profession, nationality, UIN, the amount of the premium, the periodicity (monthly, quarterly, half-yearly, annual), the duration of the contract, etc.
Contact
- SAAR vie
Headquarters
P.O. Box: 101 1 Douala – Cameroon
Phone: (237) 233 43 92 02
Fax : (237) 233 43 92 01 - Afriland First Bank
Head Office
P.O. Box: 4079 Yaounde – Cameroon
Phone: (237) 222 23 31 74
Fax : (237) 222 23 31 64
Independence Square
P.O. Box: 11 834 Yaounde – Cameroon
Phone: (237) 222 51 80 50
Whatsapp : (237) 680 05 80 05
E-mail : qualite@afrilandfirstbank.com
The guarantee of a capital sum in the event of death from all causes Presentation
A Saar vie product offered by Afriland First Bank. It is an insurance contract that guarantees Afriland First Bank's current account holders a capital sum to the designated beneficiaries in the event of death, less the remaining capital of the loan covered by the insurance.
Benefits:
- The policyholder is free to choose the capital sum and premiums, designate beneficiaries, modify the beneficiaries in case of uncertainty, no medical formalities, etc.
- Transparency in contract management in accordance with the requirements of the CIMA code and in full respect of deadlines for payment of the capital sum, that is, 30 days after receipt of the complete file, the premium amount is deducted from the holder's current account at the time of signing the contract.
- A favourable price with a relatively lower premium against a substantial capital sum.
Compensation:
The policyholder is free to define the capital sum insured according to the options below:
| CAPITAL SUM INSURED (CFAF) | ANNUAL PREMIUM Excl. tax (CFAF) | ANNUAL PREMIUM Incl. tax (CFAF) |
|---|---|---|
| 500 000 | 5 00 | 5 963 |
| 1 000 000 | 8 900 | 10 614 |
| 5 000 000 | 43 000 | 51 278 |
| 10 000 000 | 86 500 | 103 150 |
Compensation:
Fill in an application form available in the various Afriland First Bank branches or at SAAR-VIE, mentioning the following fields: date of birth, profession, nationality, UIN, the amount of the premium, the periodicity (monthly, quarterly, half-yearly, annual), the duration of the contract, etc.
Contact:
- SAAR vie
Headquarters
P.O. Box: 101 1 Douala – Cameroon
Phone: (237) 233 43 92 02
Fax : (237) 233 43 92 01 - Afriland First Bank
Head Office
P.O. Box : 4079 Yaounde – Cameroon
Phone: (237) 222 23 31 74
Fax : (237) 222 23 31 64
Independence Square
P.O. Box: 11 834 Yaounde – Cameroon
Phone : (237) 222 51 80 50
Whatsapp : (237) 680 05 80 05
E-mail : qualite@afrilandfirstbank.com
The guarantee of a capital sum in the event of death from any cause.
Presentation
AKIBA is an insurance contract that offers Afriland First Bank customers, holders of savings accounts, the guarantee of a capital sum to be paid to their designated beneficiaries in the event of death.
Benefits:
- The policyholder is free to choose the amount of capital and premiums, designate beneficiaries, modify the beneficiaries in case of uncertainty, no medical formalities, etc.
- Transparency in contract management in accordance with the requirements of the CIMA code and in full respect of deadlines for payment of the capital sum, that is, 30 days after receipt of the complete file, the premium amount is deducted from the holder's current account at the time of signing the contract.
- A favourable price with a relatively lower premium against a substantial capital sum.
Compensation:
The policyholder is free to define the capital sum insured according to the options below:
| CAPITAL SUM INSURED (CFAF) | ANNUAM PREMIUM Excl. tax (CFAF) | ANNUAL PREMIUM Incl. tax (CFAF) |
|---|---|---|
| 500 000 | 5 000 | 5 963 |
| 1 000 000 | 8 900 | 10 614 |
| 5 000 000 | 43 000 | 51 278 |
Subscription Requirements
To subscribe, you must :
- Be between 21 and 60 years of age on the date of subscription;
- Be a savings account holder;
- Fill in an application form which is available at all Afriland First Bank branches.
Compensation:
Fill in an application form available in the various Afriland First Bank branches or at SAAR-VIE, mentioning the following fields: date of birth, profession, nationality, UIN, the amount of the premium, the periodicity (monthly, quarterly, half-yearly, annual), the duration of the contract, etc.
Contact:
- SAAR vie
Headquarters
P.O. Box: 1011 Douala – Cameroon
Phone: (237) 233 43 92 02
Fax : (237) 233 43 92 01 - Afriland First Bank
Head Office
P.O. Box : 4079 Yaounde – Cameroon
Phone: (237) 222 23 31 74
Fax : (237) 222 23 31 64
Independence Square
P.O. Box: 11 834 Yaounde – Cameroon
Phone : (237) 222 51 80 50
Sending or receiving money in Cameroon or internationally has never been easier. Flash Transfer enables you to send and receive money within seconds.
Flexibility
You don't need a bank account to transfer money, just go to the closest Afriland First Bank branch or one of our partners with the funds to be sent, your ID card and the name of the recipient.
Speed
In a matter of minutes, the beneficiary can pick up his money at the branch of his choice and in the location of their choice in an Afriland First Bank branch or at a partner's.
Security
Flash Transfer is totally secure, thanks to the unique and confidential code and the requirement of a valid ID.
Network
More than 200 branches are at the service of the customer, with opening hours tailored to the customer's pace.
Sharing our passions, that's equally what Cameroon is all about
In Cameroon, Afriland First Bank offers MoneyGram, a solution for sending and receiving money anywhere in the world. Thanks to our partners, Instant Transfer, MC2, MUFFA, MoneyGram is now available in nearly 600 points of sale.
Benefits
- Safe and secure
- Easy to use
- Reliability
- Accessibility
At the cutting edge of technology, Small World guarantees a secure and reliable service for your operations on 5 continents.
Cameroon, send and receive money:
- In cash
- To a bank account
- By internet
In order to diversify its range of money transfer solutions and increase your satisfaction, Afriland First Bank has signed a partnership for international money sending and receiving with Small World.
Small World is :
- A state-of-the-art platform that allows you to transfer money in the country and currency of your choice. Small World offers 20 years of experience in the financial sector.
- Small World is present in more than 165 countries around the world. Small World is strongly represented in West Africa: Mali, Senegal, Ivory Coast, Niger, etc.
- The 4th largest money transfer solution in the world, with nearly 7 million transactions carried out per year.
- Competitive rates.
- A multiplicity of points of sale (over 250,000 points of sale in its network).
Secure your savings with Flash Cash
Flash Cash (FC) is both a certificate of deposit and a means of payment created and issued by Afriland First Group that allows its holder to transport cash in complete security and to settle financial transactions in complete discretion without handling cash. It is issued in against a cash deposit. A countersigned Flash Cash is the equivalence of a bank note. As a result, the storage and management of countersigned Flash Cash requires rigorous security measures in the same way as cash.
Specifications: What are the Benefits?
- It protects your savings against:
- Theft: in the event that you are the victim of a theft or an assault by thieves, there is no point in resisting them; they won't access your savings.
- Loss: your money is safe in case of the loss of your Flash Cash
- Flash Cash ensures that the value of your savings remains unchanged in the event of currency fluctuations.
- It makes your payments easy:
Pay your contributions, repay your welfare contributions and make your purchases in full security. - It ensures the cash flow and permanent availability of your savings
- Flash Cash is available in denominations of CFAF 5,000, 25,000, 50,000, 100,000, 300,000, 500,000 and 1,000,000
- Thanks to its unique design on special forgery-proof paper, Flash Cash allows you to easily transport cash
- Flash Cash takes the stress out of carrying large sums of money when you travel or make transactions.
- Flash Cash is payable :
- At all Afriland First Bank counters
- At our partners
- In rural areas with the MC2/MUFID network.
