Ecobank Internet Banking

The future is pan-African Ecobank can take business further, with access to 33 African countries from just one point of contact.

Ecobank Products And Services ecobank.com The Future Is Pan-African

With an impressive infrastructure across 33 African countries, over 1,200 branches and an IT network designed for your needs, we’re bringing banking to all our customers. Visit us in branch or online www.ecobank.com Table of Contents

4 13 PersonalEcobank Current Current Accounts. Accounts. - Ecobank CorporateCorporate Account. Account. 5 - Ecobank SMESME Account.Account. Ecobank PersonalPersonal Current Current Account. Account. - Ecobank Business/CorporateBusiness/Corporate Ecobank AfricaAfrica Diaspora Diaspora Account. Account. Account OpeningOpening Requirement.Requirement. - Ecobank CorporateCorporate Account. Account. 7 Corporation | |Sole Sole Proprietorship Proprietorship - Ecobank Personal Current Current Account Account Account || Society/NGO.Society/NGO. Opening Opening Requirement. Requirement. - Ecobank AdvanceAdvance Account. Account. 14 - Ecobank AdvanceAdvance Account Account Ecobank Loans || EcobankEcobank PersonalPersonal Application Requirement. Requirement. Loans || EcobankEcobank Business Business Loans. Loans.

8 15 PersonalEcobank Savings Savings Accounts. Accounts. E-solutions.

9 16 - EcobankEcobank Individual Individual Savings Savings Account. Account. - E-alert And And Sms Sms Alert. Alert. - Ecobank Ecobank Association Association Savings Savings Account. Account. - Ecobank InternetInternet Banking. Banking. | RetailRetail Internet Internet Banking Banking | Ecobank | Ecobank 10 Omni. Ecobank YouthYouth Savings Savings Account. Account. - Ecobank InternetInternet Banking Banking Requirement. 11 - Bill Payments.Payments. - Ecobank JuniorJunior Savers Savers Account. Account. - Ecobank Personal Savings Savings Opening Opening 17 Requirements. Self ServiceService Solutions. Solutions. - Ecobank SavingsSavings Account Account Requirements. 18 Rapid Transfer. - Ecobank AssociationAssociation Savings Savings Rapid Transfer. Account Requirements. ATM Account Requirements. 19 - Ecobank Junior Savers Account - Ecobank Junior Savers Account Atm ServicesServices – – Ecobank Ecobank Cards Cards Requirements. Opening Requirements. - Ecobank YouthYouth Account Account 20 Requirements. Opening Requirements. Ecobank Zimbabwe’sZimbabwe’s Portfolio Portfolio Of OfCards Cards

12 21 Ecobank Omni/electronicOmni/electronic Banking. Banking. Ecobank RegionalRegional Card Card Security Security 3 Current accounts updates on my phone

That’s my Rhythm Ecobank Current Account

With more presence across Africa we have the products to help you manage your ﬁ nances, everyday.

Terms and conditions apply

www.ecobank.com Ecobank Personal Current Ecobank Africa Diaspora Accounts Accounts

Are you looking for a safe and simple way to The Ecobank African Diaspora Account is targeted at Africans who reside and work manage your money? Ecobank Current account outside their home country where Ecobank is offers a low cost and flexible Account. present. Opening an Ecobank African Diaspora This Account is targeted at: Account (Current account type or Savings Account) in your country of residence automatically qualifies • Salaried individuals you for a non – Resident Account in your home • Individuals aged 18 and above country. Account conditions in country of Features & Benefits to the Customer residence • Current accounts with a minimum balance of $100 • Regional Debit Card with unlimited ATM • Savings account with minimum balance of $200 withdrawals at Ecobank ATMS’s across Africa • Know your customer (KYC) requirements for • Zimswitch enabled ATM debit cards giving Individual accounts apply • Work and Resident permits required. access to Zimswitch enabled ATMs and POS at • Monthly account maintenance charge of $10 various merchant outlets across the county(Zimswitch charges apply) Features & Benefits to the Customer • 24/7 instant access to your funds • Easy Account opening in any of the affiliates of • $2 charge per ATM transaction Ecobank Africa • Free Access to Internet banking, • Customer can transact on any of their accounts electronic statements, SMS and email alerts on from any of the affiliates of Ecobank Africa all transactions into account • Convenience – access to the Account anywhere • Competitive Internal Transfers charges and anytime within Ecobank Africa • Free initial ATM card, $3,50 on subsequent • Opportunity to invest in home country while abroad issue • Easy monitoring of Account activities through • Free inward electronic funds transfer e-channels • $20 initial deposit • Easy billing – simple, clear and comprehensible • Zero Balance • Free ATM usage on all Ecobank ATM using a • Standing orders to facilitate easy payments Black Card of bills/transfers • Dedicated Relationship Managers across our countries • Access to salary based credit facilities • Free initial ATM card, $3,50 on subsequent • Free photographs taken on Account opening issue • $4 maintance fee on deposits less than • Value adds such as RT ,Stop orders $800per month • Free photographs taken on Account opening • $5 maintance fees on deposits above $800 per • 3% interest per annum on savings accounts month with a minimum deposit of $200 • 0,5% charge on all in bank withdrawals, minimam charge is $2,50 Benefits to the Bank Benefits to the Bank • The Ecobank African Diaspora Account further • Encourage customers to use electronic entrenches our position as a Pan African Bank. channels • Creates good visibility for the Ecobank brand • Improve customer service through electronic within Africa. updates • Good, steady revenue streams for the Bank • Effective cost and service management • Expand Ecobank customer base • Less pressure on branch facilities • Less paper based transaction at the branch 5 “I can care for those at home”

Whether it’s paying school fees, or ensuring your parents are taken care of, with the Ecobank African Diaspora Account you can transfer money safely and securely.

Diaspora Account www.ecobank.com Ecobank Current Account Opening Requirement

• Fill and complete the account opening Features & Benefits to the Customer application • Access to salary based credit facilities and • 1 mandate card, a valid proof of Identity functional banking services. • Free 24/7 electronic alerts providing update on of the signatory (current driver’s transactions on Account. license/International passport) • Zimswitch enabled ATM debit cards giving • Proof of address: Utility bills for the 3 access to Zimswitch enabled ATMs and POS at various merchant outlets across the county. previous months/Letter from Landlord • $2 charge per ATM transaction • 2 passport photographs • Salary advance, maximum tenor of 30 days renewal. • Employer’s letter of introduction if • Free on-line banking services on www.ecobank.com • Fixed monthly fee – easy to manage. employed/ Two suitable references • Valid immigration documents ie work or Benefits to the Bank resident Permits(Diaspora Account) • Flexible with variants to meets the customer • Letter of request to open a Non-resident needs, Optimal cross-selling. Account(preferably in home country • Grow both customer base and revenues in a structured manner. Diaspora Account) • Effective potential loss reduction due to a well

All Copies Of Original Documents Must Be Certified. defined target market and structured ways out.

Ecobank Advance Ecobank Advance Account Application Requirement • Complete a loan application form and provide a Account • Monthly salary domiciliation duly confirmed by the employer. This is an Ecobank current account that is • Net monthly salary of $1000 is the benchmark offered to a SALARY WORKER (a civil servant, • Salary must come through Ecobank for a period of 3 months. an employee of a target market - a school • Interest is pegged at 25% per annum. staff, an employee of faith-based institution • There is a once off establishment fee. etc. The Ecobank Advance Account opens doors • Once off Insurance cost. • It is liquidated every 30 days. to SALARY BASED LOANS.

7 Money growing in my savings account

That’s my Rhythm Ecobank Savings Account

With more presence across Africa we have the products to help you

For more information please call us: (263) 4 851644-9, email: [email protected] or visit us in Borrowdale, Joina City, Samora Machel, Nelson Mandela Avenue or Bulawayo. Terms and conditions apply

www.ecobank.com Ecobank Individual Open your Savings Account account today

It is a secure, convenient and reliable interest Features & Benefits to the Customer

bearing account aimed at encouraging customers • Account Opening balance and minimum to save for the future. It is designed for people operating balance - $100. over 18 years of age. • Access to E-products (SMS-Alert, E-Alert, E-Statement, Internet Banking). Features & Benefits to the Customer • Credit interest is payable to accounts that • Interest yield on account. maintain monthly balance of $100 and above. • Fully networked and efficient banking services • Outward funds transfers are allowed and are with 24/7 access to your funds across Africa. charged as per bank tariff. • Free inward transfers. • Access to E-products (SMS-Alert, E-Alert, • Cash handling at a fee. E-Statement, Internet Banking). • Standing Order. • $2 charge per ATM transaction • 3% interest accrual per annum. Ecobank Youth • $100 minimum balance to earn interest Benefits of Ecobank Savings Account to • Unlimited cash withdrawal. the BankSavings Account • 0,5% charge on all in bank withdrawals, Ecobank Youth Savings Account is Account minimam charge is $2,50 specifically designed for children between 13 • Free initial ATM card, $3,50 on subsequent and 17 years of age. issue • Monthly Stop orders. Features & Benefits to the Customer • Value additionss such as RT ,Stop orders. • Competitive interest rates earned on deposits. • Free advisory services. • Fully networked and efficient banking services with 24/7 access to your funds across Africa. • Free inward Electronic Funds Transfer (EFT) and • Access to E-products (SMS-Alert, E-Alert, Real Time Gross Settlement(RTGS). E-Statement, Internet Banking). • NO ACCOUNT MAINTEANANCE FEES • 3% interest accrual per annum on accounts with a minimum balance of $100 and above Ecobank Association • $2 charge per ATM transaction • Free initial ATM card, $3,50 on subsequent Savings Account issue • Unlimited cash withdrawal The Ecobank Institution Account is designed • Free advisory services. for Association as well as Educational Institu- • NO ACCOUNT MAINTENANCE FEE. tions such as schools, Colleges, Universities.

Do you have big dreams for your child? Resolution from The Association Ecobank Junior Savers Account is Account specifically designed for children from 0- 12 • Fill and complete the account opening application years of age. Holders of this account are called • Dully signed mandate form to open and “Ecobank Junior Savers” It has been designed operate the account to offer children more than just a bank • Dully signed Resolution From Executive /governing account. It makes the child a part of the banking body (on letterhead) process, with the ultimate aim of leading to a • Passport / National Identification Card of Signatories well informed and financially smart child. • Resident Permit for non-Zimbabweans Features & Benefits to the Customer • Two Passport photographs of the signatory • Competitive interest rates earned on deposits. • Proof of Residence - Utility bills for the 3 • Fully networked and efficient banking services previous months/Electricity Bill/Telephone with 24/7 access to your funds across Africa. Bill/Rent /Lease Agreement. • Access to E-products (SMS-Alert, E-Alert, • Rules ,By – laws or Constitution of Society E-Statement, Internet Banking). • Certification of Registration where applicable • 3% interest accrual per annum on accounts with a minimum of $100 and above deposit • $2 charge per ATM transaction • Unlimited cash withdrawal • NO MAITANANCE FEES • Fill and complete the account opening application What’s more? • 2 passport photographs • Copy of Birth certificate • Free advisory services • Copy of ID of Parent/Guardian • Fun Activities for children • An Educational Booklet that teaches children • Letter from Parent/guardian stating signing the benefits of saving powers over the account.

All Copies Of Original Documents Must Personal Savings Account Be Certified. Opening Requirement

• Fill and complete the account opening application • 1 mandate card, a valid proof of Identity of the signatory (valid driver’s license/International • Fill and complete the account opening application passport) • 2 passport photographs • Proof of Residence: Utility bills for the 3 previous months/Letter from Landlord • Copy of Birth certificate • 2 passport photographs • Letter from Parent/guardian • Employer’s letter of introduction • Copy of ID of Parent/Guardian

All Copies Of Original Documents Must Be Certified. All Copies Of Original Documents Must Be Certified. Ecobank Youth Account Ensure a brighter future for your children and instill in them a positive saving attitude

Cards SMS-Alert e-Alert e-Statement Standing order

Terms and conditions apply

www.ecobank.com It is a secure, convenient and reliable interest Features & Benefits to the Customer

bearing account aimed at encouraging customers • Account Opening balance and minimum to save for the future. It is designed for people operating balance - $100. over 18 years of age. • Access to E-products (SMS-Alert, E-Alert, E-Statement, Internet Banking). Features & Benefits to the Customer • Credit interest is payable to accounts that • Interest yield on account. maintain monthly balance of $100 and above. • Fully networked and efficient banking services • Outward funds transfers are allowed and are with 24/7 access to your funds across Africa. charged as per bank tariff. • Free inward transfers. • Access to E-products (SMS-Alert, E-Alert, • Cash handling at a fee. E-Statement, Internet Banking). • Standing Order. • $2 charge per ATM transaction • 3% interest accrual per annum. • $100 minimum balance to earn interest Benefits of Ecobank Savings Account to • Unlimited cash withdrawal. the Bank • 0,5% charge on all in bank withdrawals, Ecobank Youth Savings Account is Account minimam charge is $2,50 specifically designed for children between 13 • Free initial ATM card, $3,50 on subsequent and 17 years of age. issue • Monthly Stop orders. Features & Benefits to the Customer • Value additionss such as RT ,Stop orders. • Competitive interest rates earned on deposits. • Free advisory services. • Fully networked and efficient banking services with 24/7 access to your funds across Africa. • Free inward Electronic Funds Transfer (EFT) and • Access to E-products (SMS-Alert, E-Alert, Real Time Gross Settlement(RTGS). E-Statement, Internet Banking). • NO ACCOUNT MAINTEANANCE FEES • 3% interest accrual per annum on accounts with a minimum balance of $100 and above Ecobank Association • $2 charge per ATM transaction • Free initial ATM card, $3,50 on subsequent Savings Account issue • Unlimited cash withdrawal The Ecobank Institution Account is designed • Free advisory services. for Association as well as Educational Institu- • NO ACCOUNT MAINTENANCE FEE. tions such as schools, Colleges, Universities.

Ecobank Junior Savers Ecobank Association Saving Account Account

Do you have big dreams for your child? Resolution from The Association Ecobank Junior Savers Account is Account specifically designed for children from 0- 12 • Fill and complete the account opening application years of age. Holders of this account are called • Dully signed mandate form to open and “Ecobank Junior Savers” It has been designed operate the account to offer children more than just a bank • Dully signed Resolution From Executive /governing account. It makes the child a part of the banking body (on letterhead) process, with the ultimate aim of leading to a • Passport / National Identification Card of Signatories well informed and financially smart child. • Resident Permit for non-Zimbabweans Features & Benefits to the Customer • Two Passport photographs of the signatory • Competitive interest rates earned on deposits. • Proof of Residence - Utility bills for the 3 • Fully networked and efficient banking services previous months/Electricity Bill/Telephone with 24/7 access to your funds across Africa. Bill/Rent /Lease Agreement. • Access to E-products (SMS-Alert, E-Alert, • Rules ,By – laws or Constitution of Society E-Statement, Internet Banking). • Certification of Registration where applicable • 3% interest accrual per annum on accounts with a minimum of $100 and above deposit • $2 charge per ATM transaction Ecobank Junior Savers Account • Unlimited cash withdrawal • NO MAITANANCE FEES • Fill and complete the account opening application What’s more? • 2 passport photographs • Copy of Birth certificate • Free advisory services • Copy of ID of Parent/Guardian • Fun Activities for children • An Educational Booklet that teaches children • Letter from Parent/guardian stating signing the benefits of saving powers over the account.

All Copies Of Original Documents Must Personal Savings Account Be Certified. Opening Requirement

Ecobank Savings Account Ecobank Youth • Fill and complete the account opening application Account • 1 mandate card, a valid proof of Identity of the signatory (valid driver’s license/International • Fill and complete the account opening application passport) • 2 passport photographs • Proof of Residence: Utility bills for the 3 previous months/Letter from Landlord • Copy of Birth certificate • 2 passport photographs • Letter from Parent/guardian • Employer’s letter of introduction • Copy of ID of Parent/Guardian

All Copies Of Original Documents Must Be Certified. All Copies Of Original Documents Must Be Certified.

11 We are where You are, more than 33 Countries, 17 Currencies 1 Payment Platform

At the centre of all Ecobank Omni | Electronic Banking

www.ecobank.com Smarter business banking that works the way you do. Open an Ecobank Current Account and enjoy access to your money 24/7 in local and foreign currency.

• Memorandum & Articles of Association. • Resident Permit for Non- Zimbabweans. • CR14. Ecobank Corporate • Certificate of Incorporation. • Tax Clearance Certificate. Account • VAT Registration. • Directors/Signatories ID. Suitable for Companies, Partnerships, • Directors /Signatories Proof of Residence. Churches, Clubs, Societies etc. • Directors /Signatories Passport sized Photos to operate the Account. Features & Benefits • Credit Report(Bank to arrange).

• Minimal opening and operating balance of $50. All Copies Of Original Documents Must Be Certified. • Monthly Service fee of $15. • Access to Internet Banking & E-Statements - Ecobank Omni. Sole Proprietorship Account • Fill and complete the account opening application. • Resident Permit for Non- Zimbabweans. • Certificate of Incorporation. Ecobank SME Account • Tax Clearance Certificate. • CR14. • National Identification Card. Suitable for Companies, Partnerships, • Proof of Residence - Utility bills for the 3 previous Churches, Clubs, Societies etc. months/Electricity Bill/Telephone Bill/Rent Features & Benefits /Lease Agreement. All Copies Of Original Documents Must Be Certified • Minimal opening and operating balance $50. • Monthly ledger fee of $15. • Access to Internet Banking & E-Statements - Society/NGO Ecobank Omni. Resolution from Society, Club, Association/Partnership: Ecobank Business/ • Fill and complete the account opening application. • Dully signed mandate form to open and Corporate Account operate the account. • Dully signed resolution from Executive / Opening Requirements governing body (on letterhead). • Passport / National Identification Card of Signatories. Ecobank Corporate Account • Resident Permit for non-Zimbabweans. - Corporation • Two Passport photographs of each signatory. • Proof of Residence - Utility bills for the 3 • Fill and complete the account opening application. previous months/Electricity Bill/Telephone • Dully signed mandate form to open and operate Bill/Rent /Lease Agreement. the account. • Rules ,By – laws or Constitution of Society. • Certification of Registration where applicable. • Dully signed Board Resolution in letter head. All Copies Of Original Documents Must Be Certified

13 Ecobank Loans • Business Loans Ecobank supports entrepreneurs in Africa because it believes that they are the engine of growth. Business loans are given to approved companies to finance short to medium term business needs.

• Personal Loans This is a Short/medium term facility against borrower’s monthly salary, which Enables the bank to meet credit needs of the employees of various institutions. These include employees of selected NGOs, Schools, mainstream faith based institutions. Repayments from salary domiciliation secured & terminal benefits, gratuities, or other security acceptable by the bank.

• Ecobank Advance Account The Ecobank Advance account provides up to 40% of a customer’s net monthly salary as an advance to meet any financial needs. The account also gives the customer a regional (debit/credit) card that can be used in any country where Ecobank is present.

Ecobank Business Loans • Receivables Financing 30 - 120 days. • Inventory Finance 60 to 180 Days. • Local Purchase Order 180 days. • Asset financing up to a year , we give 70% of amount required. • Interest rates vary between 18 and 25%.

Terms and Conditions Apply

Ecobank Personal loans

This is a Short/medium term facility against borrower’s monthly salary. Enables the bank to meet credit needs of the employees of various This includes employees of selected NGOs, Schools, mainstream faith based institutions. Repayments from salary domiciliation secured & terminal benefits, gratuities, or other security acceptable by the bank. Term Deposits

• Interest rates are dependent on prevailing market • Payments and calculations of inetrests are due monthly • $1000 minimum deposit • Visit your bank for more information www.ecobaTermsnk.co andm Conditions Apply Upgrade to the future

Ecobank Internet Banking World-class • 24/7 • Secure

To activate your account, please call (263) 4 851 644–9 .

Terms and conditions apply E - Solitions

www.ecobank.com Accounts, Transfers to third parties within Ecobank, E - Alert/SMS Alert Transfers to third parties outside of Ecobank, International transfers through SWIFT. This is an electronic notification service which • Bills payments. automatically sends an email to a customer’s mail box and text message to a designated Others phone number, immediately a transaction • Exchange rates enquiry – real-time, Cheque occurs on an account. The following transaction Management system details are displayed; - Opening Balance and Closing Balances. Retail Internet Banking - Transaction and Value date. - Narration and Instrument number. Allows personal, Joint Account holders & SMEs - Running Balance. view, print Statements as well as make local - E-statements can be received as and when and International payments at their convenience required by the customer. 24/7. Benefits to the Customer • Provide customers with convenient, accessible Ecobank Omni and reliable means of tracking account activities anytime and anywhere. Ecobank proprietary Corporate Electronic Banking • Reduces printing costs. platform is a secure Electronic Banking channel • Easy access to account balance and additional providing Corporate Customers with single information even after banking hours. access for transaction and reporting needs. • Quick reference to old transactions electronically. With real-time global account access and • Eliminates physical visits and phone calls to the customized setup features, you gain control bank to check account balance. over your critical financial functions at every level of your organisation. Keep track of your Features & Benefits to the Bank payments, receivables and liquidity –all with • Timely detection of fraudulent activities since one secure, global solution. customer is informed immediately the transaction occurs. Features & Benefits to the Customer • Eliminates the inconvenience of filing paper • Provide customers with convenient, accessible statements for future references. and reliable means of accessing financial services. • Reduce costs related to the printing and • Reduce costs related to branch account servicing. postage of manual account statements. • Quick reference to old account statements Features & Benefits to the Bank electronically instead of large piles of physical files. • Revenue generation. • Reduce costs related to printing and posting of Ecobank Internet manual account statements. Banking Ecobank Internet A web-based service that allows customers to Banking Activation securely access bank information, communi- cate with the bank and perform financial • All customers with access to the internet. An transactions. The following can be performed; existing account holder completes an application form. Checking Account Information • Application details (mandate) are verified and setup and login credentials are then send to • Real-time account access, Single view of the designated email provided. all account balances, Account activity/details, online transaction status, Transaction History of up to six months. • Extraction of Account Statement in PDF and Bill Payments Excel, View Fixed Deposits, View loans outstanding This bill payment solution allows customers to pay their ZIMRA and Tel One bills at any Transfers/Payments Ecobank Branch. Both Ecobank Account and • Real-time account access, Transfers between own Non Account holders can access this service.

16 Ecobank

The fast, convenient and reliable way to transfer money

across Africa.

Terms and conditions apply Self Service Solution

www.ecobank.com • It helps to integrate Africa as desired in our Pan African Quest. • Additional income stream to our bottom-line in addition to the income of conventional products. • Potential flagship product for our brand. • Edges our brand against competitors in Africa. Rapid Transfer (RT) is an Ecobank proprietary • Aids more customer acquisition and cross send and receive Money Transfer (MT) product. selling to existing customers. RT offers quick and efficient money transfer • Unique and same features throughout our services within Zimbabwe and all Ecobank affiliates. Affiliates. Cash transfers can be done across the counter. The product is available to both Who qualifies for Rapid Transfer? Ecobank Account and NON Account holders. The • Sending - Ecobank Account holders country’s financial regulatory laws stipulate • Receipts – Both Ecobank and Non Ecobank the following; Account holders - Sending is restricted to Account holders - Both Account and Non Account holders can How do you send and receive using Rapid receive. Transfer? - Daily maximum outward transfer is $1000 and Daily maximum receipt is $5,000 To Send Money. . .

• Cost of transfer depends on the amount being sent(cost range from $10 to $25). Cost are 1. Enter any Ecobank Branch and complete a subject to review Rapid Transfer ‘Send Form’ at the dedicated • International Transfers and Receipts can be Teller’s /Funds Transfer desk. used to pay for goods and services. 2. Submit the completed Form with a valid • Transactions can be concluded swiftly in 1 hour. means of Identification. Target Market 3. Present amount to remit and the commission applicable. 4. Obtain your receipt from the teller for a • Individuals and families concluded transaction. • Small businesses – African business men & women 5. Call your beneficiary and give him/her the - predominant players in the informal sector. details of the transfer (reference number) • Cross border payments. • Traders in commodities and manufactured goods. To Receive Money. . . • Churches and organizations with followers spread across Africa where Ecobank is present. 1. Go to the Ecobank location communicated Benefits to the Customer by the sender with the stated form of Identification mentioned in the Rapid • Fast remittance of funds to a beneficiary in a Transfer ‘send form’. secure and efficient way. Beneficiary is 2. Fill and submit the Rapid Transfer ‘Receive Form’ and present it to the Rapid Transfer guaranteed full amount at the payment desk; Teller / Funds Transfer officer. the sender takes care of the charges. 3. Rapid Transfer Teller verifies documents, • Sourcing of foreign currencies before a transfer calls up transaction and pay-out. is made is eliminated. • Customers can use it to send money to loved (NB Teller will pay only where all documents are ones, therefore managing their domestic complete without ambiguity) responsibilities while away from home. • Helps small businesses to settle payment/ receipt timely. • Competitive pricing. • Eliminates the risk of carrying cash for businesses. • It is quick and reliable service. Benefits to the Bank • This is a reliable and convenient way to receive money from all over the world at any Ecobank branch.

18 • Credit Cards: A Credit Card can be described as loan on a plastic card. Here, the credit cardholder is given a credit line by the bank, on his card. Unlike debit cards, a credit card holder does not need to have money in his/her account. He/she is expected to spend up to the limit given and pay at a later date. This means the bank is - Valid Identification Card – Passport or assuming a higher risk with Credit Card issuance. The National Identification card or Drivers bank is therefore very selective in the issuance of License. these cards. The current policy of the bank is to issue Credit cards to only high net worth individuals and executives • Pre-Paid Cards: Pre-paid cards as the name suggests, refers to cards which are pre-funded by the customer. This means, the bank puts the customers own money on the card and give it back to him/her. A pre-paid card does not require the existing of a bank account. It can therefore be issued to both bank customers and non-bank customers.

Ecobank Regional Card The card is debit card that comes in three types • The Azur The Azur is the standard Regional card targeted at A bank card is a plastic payment card issued by a salary workers, students, self –employed etc. earning bank. This is used as a means to make payment or up to USD500 Monthly net Salary access funds. Our wide ATM network allows you 24/7 accesses to your cash in Zimbabwe, across • The Gold Africa and world wide. The Gold is a premium card targeted at salary earn- ers, entrepreneurs etc. earning between USD500 and Benefits USD1500 monthly net Salary. The bank card is one of the most efficient ways of • The Platinum meeting the needs of customers because it The Platinum is reserved for High Net worth individu- empowers the customer to have access to cash als, corporate executives, businessmen etc. earning without necessarily visiting the bank branch. The USD3000 and beyond. bank Card is primarily a relationship tool between the customer and the bank. Note: Eco-Bank Zimbabwe will soon be issuing Master/Visa Debit cards. Types of Cards Benefits of Ecobank Regional Card to Three types of cards are issued by Ecobank: the Customer • Debit Cards: Debit Cards are linked directly to the customer’s • 24/7 Access to over 4,000 ATMs and 5,600 The Future Is Pan-African account with the bank. Normally, the transactions Points of sales terminals in over 33 Sub- We make it easy for all our customers to access done with the debit card, are directly and immediately Saharan countries in which Ecobank has presence. world-class banking. With over 1,700 ATMs, 4,200 debited to the customer’s account upon approval, and • The card can be used in South Africa where reduce the customer account balance. In most cases holders can access South African Rands from POS terminals, banking online and on your mobile, the customer must have money in his or her account any Ned bank ATMs around the country. you’ll. Visit us in branch or online otherwise the transaction will fail. There is not interest • The card can be linked to more than one account. to pay. • Cardholders can withdraw money in the local www.ecobank.com currency of the country that has been visited.

• It provides safety since the Cardholder need Note: Customers can also access their funds from all not carry a lot of cash and expose themselves ZimSwitch enabled ATMs or Point of Sale (POS) Devices to robbery. in Zimbabwe .When travelling in Africa, any ATM in • The card holder spends only what they have over 33 countries is your BANK. in their accounts – no overspending Benefits of Ecobank Regional Card to the Bank • It helps us to satisfy customers need for cash even outside working hours. • It generates direct revenues for the bank. • It engenders customer loyalty. • It reduces branch customer traffic and makes the bank more efficient. • It enhances Ecobank reputation as an innovative bank. • It saves the bank from high costs related to Joina City stationery and payment instruments like cheques etc. Shop U14, Upper Ground Floor, Cnr Innez Terrace, Jason • It allows customers to leave significant Moyo Avenue, Harare Tel: (263 – 4) 777491 – 3 amount of deposits. Samora Machel 137 Samora Machel Avenue, Harare Tel: (263 – 4) 706036-7 Fax: (263 – 4) 704062 • Ecobank systems and processes have been set Tollfree: 0800 3 270 000 up according to Global best practice and protect customers. Nelson Mandela Branch • All our Regional cards come with a secured 35 Nelson Mandela Avenue/Angwa Street, Harare (263 – 4) 777494 –9 (263 - 4) 777656 personal four digit PIN which is known only to owner of the account. This is based on Mbare Branch international best practice. Shop 1-2 Stand Number 29629 Farmer's Market, • If a customer is registered for Ecobank transaction Mbare, Harare notification service, all transactions on Tel: (263 – 4) 886607/8 Regional card will instantly be sent to him/her by SMS or email. Bulawayo Branches • Lost or stolen cards can be reported to Ecobank Bradfield, Stand No 16433, Shop No 3 / 4 Zonkizizwe Contact Centre for immediate action. Shopping Centre Hillside Road, Bradfield, Bulawayo Tel: (263 – 9) 886207/886142 Fax: (263 - 9) 886143 Parkade Centre 5 Parkade Centre Cnr Fife Street & 9th Avenue Bulawayo Every customer of Ecobank, qualifies to apply for the Tel: (263 – 9) 78912/3/5/20 Fax: (263 – 9) 78959 Regional Card Note: There are currently 12 Ecobank ATMs in Chirezi branch Zimbabwe and growing. Conveniently located in the Stand 360, Mupani Drive, Chiredzi following locations: Chitungwiza Branch Shop Number 6, 16128 Unit G, Makoni, Chitungwiza Mutare Branch 2A Fidelity Centre, Herbert Chitepo Street, Mutare

Benin, Burkina Faso, Burundi, Cameroon, Cape Verde, Central Africa Republic, Chad, Coted’Ivoire, Congo Brazzaville, DR Congo, Gabon, Gambia, Ghana, Guinea Bissau, Guinea Conakry, Kenya, Liberia, Malawi, Mali, Niger, Nigeria, Rwanda, Sao Tome Principe, Senegal, Sierra Leone, Tanzania, Togo, Uganda, Zambia, Zimbabwe • Credit Cards: A Credit Card can be described as loan on a plastic card. Transaction Here, the credit cardholder is given a credit line by the bank, on his card. Unlike debit cards, a credit card Requirement holder does not need to have money in his/her account. He/she is expected to spend up to the limit given and pay at a later date. This means the bank is - Valid Identification Card – Passport or assuming a higher risk with Credit Card issuance. The National Identification card or Drivers bank is therefore very selective in the issuance of License. these cards. The current policy of the bank is to issue Credit cards to only high net worth individuals and executives • Pre-Paid Cards: Pre-paid cards as the name suggests, refers to cards which are pre-funded by the customer. This means, the bank puts the customers own money on the card and give it back to him/her. A pre-paid card does not require the existing of a bank account. It can therefore be issued to both bank customers and non-bank customers. Ecobank Zimbabwe’s portfolio of cards

Ecobank Regional Card The card is debit card that comes in three types ATM SERVICES – Ecobank Cards • The Azur The Azur is the standard Regional card targeted at A bank card is a plastic payment card issued by a salary workers, students, self –employed etc. earning bank. This is used as a means to make payment or up to USD500 Monthly net Salary access funds. Our wide ATM network allows you 24/7 accesses to your cash in Zimbabwe, across • The Gold Africa and world wide. The Gold is a premium card targeted at salary earn- ers, entrepreneurs etc. earning between USD500 and Benefits USD1500 monthly net Salary. The bank card is one of the most efficient ways of • The Platinum meeting the needs of customers because it The Platinum is reserved for High Net worth individu- empowers the customer to have access to cash als, corporate executives, businessmen etc. earning without necessarily visiting the bank branch. The USD3000 and beyond. bank Card is primarily a relationship tool between the customer and the bank. Note: Eco-Bank Zimbabwe will soon be issuing Master/Visa Debit cards. Types of Cards Benefits of Ecobank Regional Card to Three types of cards are issued by Ecobank: the Customer • Debit Cards: Debit Cards are linked directly to the customer’s • 24/7 Access to over 4,000 ATMs and 5,600 account with the bank. Normally, the transactions Points of sales terminals in over 33 Sub- done with the debit card, are directly and immediately Saharan countries in which Ecobank has presence. debited to the customer’s account upon approval, and • The card can be used in South Africa where reduce the customer account balance. In most cases holders can access South African Rands from the customer must have money in his or her account any Ned bank ATMs around the country. otherwise the transaction will fail. There is not interest • The card can be linked to more than one account. to pay. • Cardholders can withdraw money in the local

20 currency of the country that has been visited.

Benin, Burkina Faso, Burundi, Cameroon, Cape Verde, Central Africa Republic, Chad, Coted’Ivoire, Congo Brazzaville, DR Congo, Gabon, Gambia, Ghana, Guinea Bissau, Guinea Conakry, Kenya, Liberia, Malawi, Mali, Niger, Nigeria, Rwanda, Sao Tome Principe, Senegal, Sierra Leone, Tanzania, Togo, Uganda, Zambia, Zimbabwe • Credit Cards: A Credit Card can be described as loan on a plastic card. Here, the credit cardholder is given a credit line by the bank, on his card. Unlike debit cards, a credit card holder does not need to have money in his/her account. He/she is expected to spend up to the limit given and pay at a later date. This means the bank is - Valid Identification Card – Passport or assuming a higher risk with Credit Card issuance. The National Identification card or Drivers bank is therefore very selective in the issuance of License. these cards. The current policy of the bank is to issue Credit cards to only high net worth individuals and executives • Pre-Paid Cards: Pre-paid cards as the name suggests, refers to cards which are pre-funded by the customer. This means, the bank puts the customers own money on the card and give it back to him/her. A pre-paid card does not require the existing of a bank account. It can therefore be issued to both bank customers and non-bank customers.

Ecobank Regional Card The card is debit card that comes in three types • The Azur The Azur is the standard Regional card targeted at A bank card is a plastic payment card issued by a salary workers, students, self –employed etc. earning bank. This is used as a means to make payment or up to USD500 Monthly net Salary access funds. Our wide ATM network allows you 24/7 accesses to your cash in Zimbabwe, across • The Gold Africa and world wide. The Gold is a premium card targeted at salary earn- ers, entrepreneurs etc. earning between USD500 and Benefits USD1500 monthly net Salary. The bank card is one of the most efficient ways of • The Platinum meeting the needs of customers because it The Platinum is reserved for High Net worth individu- empowers the customer to have access to cash als, corporate executives, businessmen etc. earning without necessarily visiting the bank branch. The USD3000 and beyond. bank Card is primarily a relationship tool between the customer and the bank. Note: Eco-Bank Zimbabwe will soon be issuing Master/Visa Debit cards. Types of Cards Benefits of Ecobank Regional Card to Three types of cards are issued by Ecobank: the Customer • Debit Cards: Debit Cards are linked directly to the customer’s • 24/7 Access to over 4,000 ATMs and 5,600 account with the bank. Normally, the transactions Points of sales terminals in over 33 Sub- done with the debit card, are directly and immediately Saharan countries in which Ecobank has presence. debited to the customer’s account upon approval, and • The card can be used in South Africa where reduce the customer account balance. In most cases holders can access South African Rands from the customer must have money in his or her account any Ned bank ATMs around the country. otherwise the transaction will fail. There is not interest • The card can be linked to more than one account. to pay. • Cardholders can withdraw money in the local currency of the country that has been visited.

• It provides safety since the Cardholder need Note: Customers can also access their funds from all not carry a lot of cash and expose themselves ZimSwitch enabled ATMs or Point of Sale (POS) Devices to robbery. in Zimbabwe .When travelling in Africa, any ATM in • The card holder spends only what they have over 33 countries is your BANK. in their accounts – no overspending Benefits of Ecobank Regional Card to Head Office the Bank Sam Lavy’s Office Park • It helps us to satisfy customers need for cash Block A, 2 Piers Road even outside working hours. P.O Box BW 1464 • It generates direct revenues for the bank. Borrowdale, • It engenders customer loyalty. Harare - Zimbabwe • It reduces branch customer traffic and makes Tel:(263-4) 851 644-9 Fax: (263-4) 851 630 the bank more efficient. Tollfree: 0800 3 280 000 • It enhances Ecobank reputation as an innovative Email: [email protected] bank. • It saves the bank from high costs related to Joina City stationery and payment instruments like cheques etc. Shop U14, Upper Ground Floor, Cnr Innez Terrace, Jason • It allows customers to leave significant Moyo Avenue, Harare Tel: (263 – 4) 777491 – 3 amount of deposits. Samora Machel Ecobank Regional Card Security 137 Samora Machel Avenue, Harare Tel: (263 – 4) 706036-7 Fax: (263 – 4) 704062 • Ecobank systems and processes have been set Tollfree: 0800 3 270 000 up according to Global best practice and protect customers. Nelson Mandela Branch • All our Regional cards come with a secured 35 Nelson Mandela Avenue/Angwa Street, Harare (263 – 4) 777494 –9 (263 - 4) 777656 personal four digit PIN which is known only to owner of the account. This is based on Mbare Branch international best practice. Shop 1-2 Stand Number 29629 Farmer's Market, • If a customer is registered for Ecobank transaction Mbare, Harare notification service, all transactions on Tel: (263 – 4) 886607/8 Regional card will instantly be sent to him/her by SMS or email. Bulawayo Branches • Lost or stolen cards can be reported to Ecobank Bradfield, Stand No 16433, Shop No 3 / 4 Zonkizizwe Contact Centre for immediate action. Shopping Centre Hillside Road, Bradfield, Bulawayo Tel: (263 – 9) 886207/886142 Fax: (263 - 9) 886143 Who Qualifies for the Ecobank Parkade Centre Regional Card? 5 Parkade Centre Cnr Fife Street & 9th Avenue Bulawayo Every customer of Ecobank, qualifies to apply for the Tel: (263 – 9) 78912/3/5/20 Fax: (263 – 9) 78959 Regional Card Note: There are currently 12 Ecobank ATMs in Chirezi branch Zimbabwe and growing. Conveniently located in the Stand 360, Mupani Drive, Chiredzi following locations: Chitungwiza Branch Shop Number 6, 16128 Unit G, Makoni, Chitungwiza Mutare Branch 2A Fidelity Centre, Herbert Chitepo Street, Mutare List of Ecobank Affiliates

Togo, Uganda, Zambia, Zimbabwe 21 • Credit Cards: A Credit Card can be described as loan on a plastic card. Here, the credit cardholder is given a credit line by the bank, on his card. Unlike debit cards, a credit card holder does not need to have money in his/her account. He/she is expected to spend up to the limit given and pay at a later date. This means the bank is - Valid Identification Card – Passport or assuming a higher risk with Credit Card issuance. The National Identification card or Drivers bank is therefore very selective in the issuance of License. these cards. The current policy of the bank is to issue Credit cards to only high net worth individuals and executives • Pre-Paid Cards: Pre-paid cards as the name suggests, refers to cards which are pre-funded by the customer. This means, the bank puts the customers own money on the card and give it back to him/her. A pre-paid card does not require the existing of a bank account. It can therefore be issued to both bank customers and non-bank customers.

Ecobank Regional Card The card is debit card that comes in three types • The Azur The Azur is the standard Regional card targeted at A bank card is a plastic payment card issued by a salary workers, students, self –employed etc. earning bank. This is used as a means to make payment or up to USD500 Monthly net Salary access funds. Our wide ATM network allows you 24/7 accesses to your cash in Zimbabwe, across • The Gold Africa and world wide. The Gold is a premium card targeted at salary earn- ers, entrepreneurs etc. earning between USD500 and Benefits USD1500 monthly net Salary. The bank card is one of the most efficient ways of • The Platinum meeting the needs of customers because it The Platinum is reserved for High Net worth individu- empowers the customer to have access to cash als, corporate executives, businessmen etc. earning without necessarily visiting the bank branch. The USD3000 and beyond. bank Card is primarily a relationship tool between the customer and the bank. Note: Eco-Bank Zimbabwe will soon be issuing Master/Visa Debit cards. Types of Cards Benefits of Ecobank Regional Card to Three types of cards are issued by Ecobank: the Customer • Debit Cards: Debit Cards are linked directly to the customer’s • 24/7 Access to over 4,000 ATMs and 5,600 account with the bank. Normally, the transactions Points of sales terminals in over 33 Sub- done with the debit card, are directly and immediately Saharan countries in which Ecobank has presence. debited to the customer’s account upon approval, and • The card can be used in South Africa where reduce the customer account balance. In most cases holders can access South African Rands from the customer must have money in his or her account any Ned bank ATMs around the country. otherwise the transaction will fail. There is not interest • The card can be linked to more than one account. to pay. • Cardholders can withdraw money in the local currency of the country that has been visited.

• It provides safety since the Cardholder need Note: Customers can also access their funds from all not carry a lot of cash and expose themselves ZimSwitch enabled ATMs or Point of Sale (POS) Devices to robbery. in Zimbabwe .When travelling in Africa, any ATM in • The card holder spends only what they have Ecobank over 33 countries is your BANK. in their accounts – no overspending Benefits of Ecobank Regional Card to the Bank Regional Cards • It helps us to satisfy customers need for cash even outside working hours. • It generates direct revenues for the bank. Available at your nearest branch • It engenders customer loyalty. • It reduces branch customer traffic and makes and accepted all across Africa the bank more efficient. • It enhances Ecobank reputation as an innovative bank. • It saves the bank from high costs related to Joina City stationery and payment instruments like cheques etc. Shop U14, Upper Ground Floor, Cnr Innez Terrace, Jason • It allows customers to leave significant Moyo Avenue, Harare e-Alert Tel: (263 – 4) 777491 – 3 amount of deposits. e-Statement Samora Machel SMS-Alert 137 Samora Machel Avenue, Harare Tel: (263 – 4) 706036-7 Fax: (263 – 4) 704062 • Ecobank systems and processes have been set Tollfree: 0800 3 270 000 up according to Global best practice and protect customers. Nelson Mandela Branch • All our Regional cards come with a secured 35 Nelson Mandela Avenue/Angwa Street, Harare (263 – 4) 777494 –9 (263 - 4) 777656 personal four digit PIN which is known only to owner of the account. This is based on Mbare Branch international best practice. Shop 1-2 Stand Number 29629 Farmer's Market, • If a customer is registered for Ecobank transaction Mbare, Harare notification service, all transactions on Tel: (263 – 4) 886607/8 Regional card will instantly be sent to him/her by SMS or email. Bulawayo Branches • Lost or stolen cards can be reported to Ecobank Bradfield, Stand No 16433, Shop No 3 / 4 Zonkizizwe Contact Centre for immediate action. Shopping Centre Hillside Road, Bradfield, Bulawayo Tel: (263 – 9) 886207/886142 Fax: (263 - 9) 886143 Parkade Centre 5 Parkade Centre Cnr Fife Street & 9th Avenue Bulawayo Every customer of Ecobank, qualifies to apply for the Tel: (263 – 9) 78912/3/5/20 Fax: (263 – 9) 78959 Regional Card Note: There are currently 12 Ecobank ATMs in Chirezi branch Zimbabwe and growing. Conveniently located in the Stand 360, Mupani Drive, Chiredzi following locations: Chitungwiza Branch Shop Number 6, 16128 Unit G, Makoni, Chitungwiza Mutare Branch 2A Fidelity Centre, Herbert Chitepo Street, Mutare

Terms and conditions apply

With over 18,000 staff, we’re one of Africa’s largest employers, ensuring the highest levels of service to all our customers. Visit us in branch or online www.ecobank.com