Terms and Tariffs
Enjoy attractive interest rates on all CBE deposit accounts. Secure your future, grow your savings, and earn up to 7.125% annually with confidence and ease.
Enjoy attractive interest rates on all CBE deposit accounts. Secure your future, grow your savings, and earn up to 7.125% annually with confidence and ease.
| Deposit Accounts interest rate | ||
|---|---|---|
| Ordinary | — | 7% |
| Minor | — | 7% |
| Women | — | 7.125% |
| Youth | — | 7.125% |
| Teen Youth | — | 7.125% |
| Education | — | 7.125% |
| Holiday | — | 7.5% |
| Wedding | — | 7.5% |
| Demand Deposit | — | - |
| Fixed TIME Deposit | — | 7.2% |
| Gasha Saving Account | ||
|---|---|---|
| below birr 10,000 | — | 7% |
| birr 10,000 to birr 99,999 | — | 7.5% |
| birr 100,000 - birr 500,000 | — | 7.75% |
| above birr 500,000 | — | 8% |
| CBE Guzo Saving | ||
|---|---|---|
| CBE Guzo saving | — | 7% |
| CBE Hawala Saving | ||
|---|---|---|
| CBE Hawala Saving | — | 14% |
| Deposit Related Accounts | ||
|---|---|---|
| Cash withdrawal at Branchs | ||
| Up to Birr 1,000 | — | Free |
| Birr 1,001 - Birr 10,000 | — | Birr 5 |
| Above Birr 10,001 | — | Birr 10 |
| Replacement of Passbook | ||
|---|---|---|
| Fully Utilized | — | Free |
| Damaged | — | Birr 50 |
| Lost | — | Birr 50 |
| Closing Account before six months of opening | ||
|---|---|---|
| Closing Account before six months of opening | — | Free |
| Standing Instruction for first order | ||
|---|---|---|
| Standing Instruction for first order | — | Birr 20 |
| Signature Change | ||
|---|---|---|
| Signature Change | — | Birr 20/ account |
| Cheque Books for Private | ||
|---|---|---|
| 25 leaves | — | Birr 75 |
| 50 leaves | — | Birr 210 |
| 100 leaves | — | Birr 335 |
| Cheque Books for Government Agencies | ||
|---|---|---|
| 25 leaves | — | Birr 165 |
| 50 leaves | — | Birr 215 |
| 100 leaves | — | Birr 395 |
| Stop payment order | ||
|---|---|---|
| Stop payment order | — | Birr 200/ leaf |
| Balance Confirmation / Saving & Current Account | ||
|---|---|---|
| Balance Confirmation / Saving & Current Account | — | Birr 100 per case |
| Inactive Account Charge | ||
|---|---|---|
| Inactive C/A | — | Balance below Birr 1,000= Birr 250 per six months |
| Inactive S/A | — | Balance below Birr 100= Birr 25 per six months |
| Extra Statement issuance (Other than once per Month) | ||
|---|---|---|
| Below 1 Year | — | Birr 20 per page |
| Above 1 Year | — | Birr 20 per page |
| Through Email | — | Free |
| Duplicate Advice | ||
|---|---|---|
| Less than two years | — | Birr 20 per page |
| Over two years | — | Birr 20 per page |
| Postage | ||
|---|---|---|
| Postage | — | Birr 100 (flat) |
| Inheritance case authentication | ||
|---|---|---|
| Inheritance case authentication | — | Birr 200 plus third-party charge per case |
| Authentication of power of attorney at the “Documents Authentication and Registration Office." | ||
|---|---|---|
| Online | — | Birr 50 |
| In Person | — | Birr 200 plus third-party charge per case |
| Transfer" | ||
|---|---|---|
| LMTS - Local Money Transfer" | ||
| Issuance and Amendment of LMTS | ||
| Up to 3000 | — | 1/ mille Min. Birr 3 And service charge of Birr 30 |
| Above Birr 3,000 | — | Birr 1.25/mille and Service charge of Birr 30 |
| Retransfer/ cancellations of LMTS | ||
|---|---|---|
| Retransfer/ cancellations of LMTS | — | Birr 30 |
| Lost LMTS Secret Number | ||
|---|---|---|
| Lost LMTS Secret Number | — | Birr 30 |
| LMTS by Staff | ||
|---|---|---|
| up to Birr 3,000 | — | 1/ mille Min. Birr 3 And service charge of Birr 30 |
| Above Birr 3,000 | — | Birr 1.25/mille and Service charge of Birr 30 |
| Account to account transfer | ||
|---|---|---|
| Birr 1-10,000 | — | Birr 5 |
| Birr 10,001-100,000 | — | Birr 10 |
| Above birr 100,001 | — | Fixed Birr 10 Plus Birr 5 per 100 thousand |
| Bulk Transfer (Salary Payment) | ||
|---|---|---|
| Employer with and avg. monthly deposit balance of Birr ≤ 100 million | — | Free |
| Employer with and avg. monthly deposit balance of Birr > 100 million | — | Free |
| Bank to Bank Transfer (EATS) | ||
|---|---|---|
| Outgoing Real Time Gross Settlement (RTGS) Transaction (Outgoing MT103) | — | Birr 50 plus NBE charge per transaction |
| Outgoing AA Cheque clearing fee (cheque & CPO) | — | Birr 50 plus NBE charge per Cheque & CPO |
| Outgoing low value payment credit transfer or Bulk credit Payments | — | Birr 5 plus NBE charge per transaction |
| Bank to Bank Transfer (MT2O2) both incoming and outgoing transactions | — | Birr 50 per transaction(NBE charge only) |
| Incoming Real Time Gross Settlement (RTGS) transactions (Incoming MT103) | — | Free |
| Incoming low value payments (cheque, CPO and credit Transfer) or Bulk Payment. | — | Free |
| Bill Payment | ||
|---|---|---|
| Bill Payment | — | Birr 10 |
| CPO's and Certified Cheque | ||
|---|---|---|
| CPO Issuance | ||
| For account holders | ||
| For account holders | — | Birr 50 |
| For non-account holders | ||
|---|---|---|
| for less than birr 100,000 | — | Birr 500 |
| Birr 100,001 - 200,000 | — | Birr 1000 |
| Cancellation/amendment of CPO | ||
|---|---|---|
| For account holders | — | Birr 100 |
| For non-account holders | — | Birr 200 |
| Loss and Refunding | ||
|---|---|---|
| For account holders | — | Birr 200 |
| For non-account holders | — | Birr 400 |
| Loss and Replacement | ||
|---|---|---|
| For account holders | — | Birr 200 |
| For non-account holders | — | Birr 400 |
| Commission charge on Letter of Guarantee (Local) against 100% deposit | ||
|---|---|---|
| Commission charge on Letter of Guarantee (Local) against 100% deposit | — | Birr 250 |
| Service charge on Sale of Share | ||
|---|---|---|
| Service charge on Sale of Share | — | Free |
| Safe Deposit Box | ||
|---|---|---|
| Small Box | — | Birr 5,250 per annum |
| Medium Box | — | Birr 8,750 per annum |
| Large Box | — | Birr 10,500 per annum |
| Extra Large Box | — | Birr 14,000 per annum |
| Deposit for Keys | — | Birr 14,000 per annum |
| Penalty for failing to renew contract/pay annual rent/ | — | 100% of the annual rent in arrears. But, 150% of the annual rent in arrears if the payment is above maturity period of the contract |
| Mobile Banking | ||
|---|---|---|
| Maintenance Fee | — | Birr 5 per month |
| LMTS Commission | — | 1.25/mille |
| Fund transfer to Own account | — | free |
| Fund transfer to other bank accounts (RTGS) | — | Birr 50 |
| Fund transfer to P2P ETSWITCH | — | Birr 5 plus ETSWITCH charge |
| Transfer to own wallet account(Cbe Birr) | — | Free |
| View Account Balance | — | Free |
| Customer Pay bill | — | Free |
| Pin replacement | — | Free |
| Linking other accounts | — | Free |
| Mobile banking - Fund Transfer to another account | ||
|---|---|---|
| From Birr 1 - Birr 10,000 | — | Free |
| From Birr 10,000 - Birr 50,000 | — | Birr 3 |
| Birr 50,001 - Birr 100,000 | — | Birr 5 |
| Birr 100,001 - Birr 200,000 | — | Birr 10 |
| Birr 200,001 - Birr 300,000 | — | Birr 15 |
| Above Birr 300,000 | — | Fixed Birr 20 |
| Mobile banking - Fund Transfer to TeleBirr and other Wallet | ||
|---|---|---|
| From Birr 1 - Birr 10,000 | — | Birr 10 |
| Above Birr 10,000 | — | Birr 15 |
| Card Banking | ||
|---|---|---|
| Domestic Card Issuance | — | Birr 50 |
| Replacement of domestic ATM card | — | Birr 50 |
| Classic international prepaid card issuance | — | Birr 200 |
| Gold International prepaid card issuance | — | Birr 300 |
| Platinum International prepaid card issuance | — | Birr 500 |
| ATM withdrawal | — | 0.35% |
| Balance inquiry | — | Free |
| Pin replacement | — | Birr 20 |
| Additional account link | — | Free |
| POS encashment at Branch (local) | — | 0.35% |
| Internet banking | ||
|---|---|---|
| LMTS Commission | — | 1.25/mille |
| Account to Account transfer | — | Free |
| Linking other accounts | — | Free |
| Fund transfer to own accounts | — | Free |
| CBE Birr | ||
|---|---|---|
| Account opening | — | Free |
| Airtime top-up | — | Free |
| Pay bill | — | Free |
| Cash out on ATM | — | 0.35% |
| CBE Birr Cash in | ||
|---|---|---|
| Below Birr 50 | — | Free |
| From Birr 51- Birr 500 | — | Birr 6.45 |
| Birr 501- Birr 2,000 | — | Birr 7.60 |
| Birr 2,001- Birr 3,000 | — | Birr 8.18 |
| Birr 3,001- Birr 4,000 | — | Birr 9.33 |
| Birr 4,001- Birr 5,000 | — | Birr 10.48 |
| Birr 5,001- Birr 6,000 | — | Birr 11.63 |
| above Birr 6,001 | — | 0.2% of the deposit amount |
| CBE Birr Cash out by registered customer | ||
|---|---|---|
| <= Birr 100 | — | Birr 1.50 |
| Birr 101- Birr 5,000 | — | 1.5% |
| Above Birr 5,001 | — | Birr 75 |
| Import LC (CBE Source) | ||
|---|---|---|
| LC opening Commission. | — | 1% |
| Service charge (for 90 days or part thereof Min. ETB 5,000.00) | — | 1% |
| Settlement Commission | — | 2% |
| Sub-Total | — | 4% |
| Exchange commission Payable | — | 2.5% |
| PO/CAD (CBE Source) | ||
|---|---|---|
| PO approval | — | 1% |
| Service charge (for 90 days or part thereof Min. ETB 5,000.00) | — | 1% |
| Settlement Commission | — | 2% |
| Sub-Total | — | 4% |
| Exchange commission Payable | — | 2.5% |
| TT (Advance Payment & Outgoing) (CBE Source) | ||
|---|---|---|
| Service charge | — | 4% |
| Sub-Total | — | 4% |
| Exchange commission Payable | — | 2.5% |
| Cash sales (CBE Source) | ||
|---|---|---|
| Service charge | — | 4% |
| Sub-Total | — | 4% |
| Exchange commission Payable | — | 2.5% |
| Import LC ( Own FCY ) | ||
|---|---|---|
| LC opening Commission. | — | 0.5% |
| Service charge (for 90 days or part thereof Min. ETB 5,000.00) | — | 1% |
| Settlement Commission | — | 1% |
| Sub-Total | — | 2.5% |
| PO/CAD ( Own FCY ) | ||
|---|---|---|
| PO approval. | — | 0.5% |
| Service charge (For 90 days or part thereof Min ETB 5,000) | — | 1% |
| Settlement Commission | — | 1% |
| Sub-Total | — | 2.5% |
| TT (Advance Payment & Outgoing) ( Own FCY ) | ||
|---|---|---|
| Service charge | — | 2% |
| Sub-Total | — | 2% |
| Cash sales ( Own FCY ) | ||
|---|---|---|
| Service charge | — | 2% |
| Sub-Total | — | 2% |
| Export | ||
|---|---|---|
| All Export Permit(Export Letter Of credit) | — | Free |
| Small Item Export permits(other than for export sample)(Export Letter Of credit) | — | 0.1% min. Birr 300 |
| Foreign Guarantee | ||
|---|---|---|
| Incoming foreign indirect guarantee (Type-1) | ||
| Up to USD 200,000 | — | 0.60% Min usd 100.00 |
| Up to USD 200,001 - USD 400,000 | — | 0.45% |
| Up to USD 400,001 - USD 600,000 | — | 0.33% |
| Above USD 600,000 | — | 0.25% |
| Outgoing Guarantee(for 3 months of part thereof) | ||
|---|---|---|
| Against 100% cash deposit | — | 0.15% Min. USD 50.00 |
| With Credit Facility | — | 0.5% 3 months of part thereof, Min USD 50 |
| Guarantee claim payment charge | — | 0.13% |
| TT (Advance Payment & Outgoing) | ||
|---|---|---|
| TT (Advance Payment & Outgoing) Service Charge | — | 4% |
| Sale of FCY From Local Currency account | ||
|---|---|---|
| Sale of Cash Note | ||
| Service Charge | — | 3% |
| Lending Interest Rates | |||
|---|---|---|---|
| Agricultural Loans (Including Fertilizer) | |||
| Short Term (Including Overdraft) | — | 14.00% | |
| Medium Term | — | 14.5% | |
| Long Term | — | 15.50% |
| Residential Condominium Loans | |||
|---|---|---|---|
| Condominium Residential 40/60 (Long Term) | — | 12.00% | |
| Condominium Residential 20/80 & 10/90 (Long Term) | — | 12.00% |
| Non-Export Commercial Loans | |||
|---|---|---|---|
| Short Term Loans (Including Overdraft Facility) | — | 15.00% | |
| Medium Term Loans | — | 15.75% | |
| Long Term Loans | — | 16.50% | |
| Condominium Commercial 40/60 (Long Term) | — | 16.50% | |
| Condominium Commercial 20/80 (Long Term) | — | 16.50% | |
| Advance on Import bills (Short Term) | — | 18.00% | |
| Merchandise Loan/Facility (Short Term) | — | 16.5% |
| Loans to Microfinance Institution | |||
|---|---|---|---|
| Short Term (Including overdraft) | — | 14.00% | |
| Medium Term | — | 14.50% | |
| Long Term | — | 15.50% |
| Export | |||
|---|---|---|---|
| Short Term (Including Overdraft) | — | 12.00% | |
| Medium Term | — | 13.00% | |
| Long Term | — | 14.00% | |
| Pre-shipment (Short Term) | — | 12.00% | |
| Merchandise Loans (Short Term) | — | 12.00% |
| Personal Loan-Employees of FCY Generating or Excepetionally Big Value Customers | |||
|---|---|---|---|
| Employees of Organizations that directly offer their FCY to CBE (Long Term) | — | 11.00% | |
| Employees of Organizations offering their FCY to CBE through negotiation (Long Term) | — | 12.00% | |
| Employees of Organization that are not open for negotiation (Long Term) | — | 13.00% | |
| Employees of Exceptionally Big Value Customers (Long Term) | — | 12.00% |
| Personal Loan to Other Retail Customers | |||
|---|---|---|---|
| Mortgage Loans (Long Term) | — | 14.00% | |
| Vehicle loan (Long Term) | — | 15.00% | |
| Personal Loans (Long Term) | — | 15.00% |
| Credit Processing Fee for New Request | |||
|---|---|---|---|
| <= 100 million | — | 0.025% of the loan request amount . min Birr 1000 | |
| 100 million up to 500 million | — | 0.075% of the loan request amount | |
| >500 million | — | 0.05% of the loan request amount | |
| Renewal at existing credit facility limit | — | 0.02% of the existing credit facility. Min Birr 1,000.00 | |
| Renewal at incremental credit facility limit | — | for existing as per the new request tariff above and 0.04% for the incremental |
| Collateral Estimation Fees | |||
|---|---|---|---|
| For residential | — | Birr 1000 +250 per each additional floor | |
| For Commercial Building | — | Birr 1500 +150 per each additional floor | |
| For Factories, stores and warehouses | — | Birr 1500 +150 per each additional floor | |
| Fuel Station | — | Birr 1000 per tank | |
| Coffee Hulling and washing site | — | Birr 2,000 | |
| Vehicles and machineries | — | Birr 500 per booklet/item | |
| Any Farm | — | Birr 2000 per green house and Birr 1000 per block for other bulding |
| Collateral Estimation Fees for other movable properties | |||
|---|---|---|---|
| Registration an initial Notice | — | Birr 150 | |
| Extending the Period of Effectiveness of initial notice | — | Birr 100 |