The savings account:

 

              A savings account is a deposit of money on demand in a bank or similar organization (savings bank), earning interest (generally annual) and generally not allowing it to be used to make payments directly. AFRICAN DEVELOPMENT CREDIT offers several types of savings account for its customers:

1- Individual Savings Account :

Allows you to save and grow your savings. It offers the advantage of being available at all times. It can also be used as starting capital or initial contribution in the creation of a business or project. It also allows you to build up funds to prepare your children's school years.

Opening conditions:

 

  • Photocopy of the CNI or passport;
  • 02 photos 4X4;
  • Minimum at opening 30,000 FCFA;
  • Location Plan;
  • Opening fees: free (0 FCFA).

 

2- Association Savings Account: 

secures your association's cash flow, it also simplifies and optimizes your cash management.

 

 Opening conditions:

 

  •  Minimum at opening 50,000 FCFA;

  • Two 4x4 photos of each agent;

  • CNI photocopy of representatives; Statutes;

  • Receipt statement ;

  • Minutes of the GA having elected the members of the bureau and the signatories on the account;

  • Location Plan; Opening fees: free (0 FCFA). 

 

3- Daily Savings Account: 

Allows you to save a constant amount every day that you can withdraw at any time.

  Opening conditions:

 

  • Minimum at opening 2,000 FCFA;
  • Two 4x4 photos.
  • CNI photocopy

 4- Project Savings Account: 

Allows you to regularly fund your account and to be supported in the realization of your future projects.

Opening conditions:

  • Minimum at opening 25 000 FCFA;
  • Two 4x4 photos;
  • Photocopy of the CNI;
  • Home location plan.

 5- School savings account: 

Allows you to prepare your children's back to school and benefit from additional credits.

Opening conditions:

  • Photocopy of the CNI or passport;
  • 02 photos 4X4;
  • Minimum at opening 30,000 FCFA;
  • Location Plan;
  • Opening fees: free (0 FCFA). 

 6- Islamic Savings Account: 

Allows you to build up savings in anticipation of a religious event (trip to MECCA, sheep festival, Ramadan ...).

Opening conditions:

 

  • Photocopy of the CNI;
  • Minimum at opening 25,000 FCFA;
  • Location Plan ;
  • Opening fees: free (0 FCFA).

The checking account:

 

A Checking Account is a bank or postal account through which checks can be used as a means of payment.

 

1- The private checking account:

 

 This type of account is suitable for individuals. 

 

 Opening conditions:

  • 1 4x4 photo;
  • Photocopy of CNI or passport;
  • Minimum at opening: 25,000 FCFA.

2- The official checking account:

 

Have your salaries transferred to ADeC and benefit from numerous advantages: credits; Project study and support; Tips; Pension saving. The opening of accounts is free and the first payment is not obligatory. Our services are also open to retirees (support for reconversion projects). We finance economic operators from all sectors of activity (rescuers, traders, SMIs, SMEs, etc.)

 Documents to be provided for salary domiciliation:

Already in a Bank:

  • Stamped request addressed to MINFI;
  • 2 4x4 photos; CNI photocopy;
  • Photocopy of the last pay slip;
  • Certificate of effective presence;
  • Certificate of non-royalty.

Under Cash Receipt:

  • Stamp request addressed to MINFI;
  • 2 4x4 photos; Photocopy;
  • Certificate of effective presence.

The Current Account:

 

This type of account concerns legal persons: S.A, SARL, Ets, Associations, etc. It helps to facilitate financial transactions. 

Opening conditions:

  • Minimum at opening 50 000 FCFA: A 4x4 photo;

  • A photocopy of the trade register;

  • A photocopy of the patent title;

  • A photocopy of the taxpayer's card;

  • A home location plan.

INVESTMENTS:

 

1- The Cash Receipt: 

 

It is an investment formula whose rate of remuneration varies according to the amount and duration. A security (bond) is issued upon subscription. Interest can be deducted, that is to say paid upon subscription, or capitalized, that is to say, paid at maturity and is exempt from tax.

Opening conditions:

  • Minimum at subscription: 500 000 FCFA;
  • Pay rate: negotiable;
  • Minimum duration 6 months;

 

2- The term deposit:

 

It is a form of savings whereby the customer asks a financial institution to block a certain amount of money for a certain period. Here the deposit is remunerated at a rate agreed between the bank and the saver. The interest produced by the sums invested is paid at the agreed maturity.

Opening conditions:

  • Minimum at subscription: 250 000 FCFA;
  • Pay rate: negotiable;
  • Minimum duration 6 months;
  • Free subscription. 
     
     

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