Terms and Tariffs
CBE provides a wide range of products and services absolutely free, while offering many others at affordable and competitive rates—making banking convenient and cost-effective for everyone.
CBE provides a wide range of products and services absolutely free, while offering many others at affordable and competitive rates—making banking convenient and cost-effective for everyone.
| 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% |
| Applicable Charges | ||
|---|---|---|
| Before VAT | After VAT | |
| Account Related Service | ||
| Cash withdrawal at Branches | ||
| Up to Birr 1,000 | Free | Free |
| Birr 1,001 - Birr 10,000 | Birr 5 | Birr 5.75 |
| Birr 10,001- Birr 75,000 | Birr 10 | Birr 11.5 |
| Above Birr 75,000 | Birr 50 | Birr 57.5 |
| Wadia Account/ Government Budgetary Organizations | Free | Free |
| Issuance and Replacement of Passbook | ||
| Issuance of Passbook up on account opening | Free | Free |
| Replacement of Fully Utilized Passbook | Free | Free |
| Replacement of Damaged Passbook | Birr 50 | Birr 57.5 |
| Replacement of Lost Passbook | Birr 100 | Birr 115 |
| Closing account before six months of opening (saving and current) | ||
| Closing account before six months of opening (saving and current) | Free | Free |
| Standing instruction for first order (within the bank or outside the bank) | ||
| Standing instruction for first order (within the bank or outside the bank) | Birr 20 | Birr 23 |
| Signature Change | ||
| Government Budgetary Organizations | Free | Free |
| Private | Birr 20 | Birr 23 |
| Cheque Books for Private | ||
| 25 leaves | Birr 75 | Birr 86.25 |
| 50 leaves | Birr 210 | Birr 241.5 |
| 100 leaves | Birr 335 | Birr 385.25 |
| Cheque Books for Government Agencies | ||
| 25 leaves | Birr 165 | Birr 189.75 |
| 50 leaves | Birr 215 | Birr 247.25 |
| 100 leaves | Birr 395 | Birr 454.25 |
| Stop payment order | ||
| Stop payment order | Birr 200/ leaf | Birr 230/ leaf |
| Balance Confirmation Saving / Current | ||
| To external auditor | Birr 200 | Birr 230 |
| Other than external auditor | Birr 200 | Birr 230 |
| Foreign Balance Confirmation | Birr 200 | Birr 230 |
| Extra Statement Issuance (other than once per month) | ||
| Below 1 Year | Birr 30/page | Birr 34.5/page |
| Above 1 Year | Birr 30/page | Birr 34.5/page |
| Through Email | Free | Free |
| Duplicate Advice | ||
| Less than two years | Birr 30/page | Birr 34.5/page |
| Over two years | Birr 30/page | Birr 34.5/page |
| Postage | ||
| Postage | Birr 100 plus third - party charge | Birr 115 plus third - party charge |
| Inheritance case authentication | ||
| Inheritance case authentication | Birr 200 plus third - party charge/ case | Birr 230 plus third - party charge/ case |
| Authentication of power of attorney | ||
| Online | Birr 50 plus third - party/ case | Birr 57.5 plus third - party/ case |
| In Person | Birr 200 plus third - party charge/ case | Birr 230 plus third - party charge/ case |
| Transfer | ||
| LMST (including by Staff) | ||
| Issuance and Amendment | ||
| Up to Birr 3,000 | 2/mille, Min. Birr 3 and service charge of Birr 30 | 2.30/mille, Min. Birr 3.45 and service charge of Birr 34.50 |
| Above Birr 3,000 | 3.5/mille, Min. and service charge of Birr 30 | 4.03/mille, Min. and service charge of Birr 34.50 |
| Retransfer/Cancellation of LMTS | ||
| Retransfer/Cancellation of LMTS | Birr 30 | Birr 34.50 |
| Lost LMTS secret number | ||
| Lost LMTS secret number | Birr 30 | Birr 34.50 |
| Fund Transfer | ||
| Transfer to own account (the same Customer ID) | Free | Free |
| Transfer to another account (within CBE) and Bill Payments | ||
| Birr 1- Birr 10,000 | Birr 5 | Birr 5.75 |
| Birr 10,001 - Birr 100,000 | Birr 10 | Birr 11.5 |
| Above Birr 100,001 | Fixed Birr 10 plus 5 per 100,000 maximum Birr 100 | Fixed Birr 11.5 plus 5 per 100,000 maximum Birr 100 |
| Wadia Account/ Government Budgetary Organizations | Free | Free |
| Bulk transfer/Salary payment | ||
| Bulk transfer/Salary payment | Birr 3 /person | Birr 3.45 /person |
| Bank to Bank Transfer (EATS) | ||
| Outgoing Real Time Gross Settlement (RTGS) Transactions (Outgoing MT 103) | Birr 100 plus NBE charge per transaction | Birr 115 plus NBE charge per transaction |
| Outgoing AA Cheque clearing fee (cheque, & CPO) | Birr 100 plus NBE charge per cheque and CPO | Birr 115 plus NBE charge per cheque and CPO |
| Outgoing low value payment credit transfer or Bulk Credit Payment | Birr 50 plus NBE charge per transaction | Birr 57.5 plus NBE charge per transaction |
| Bank to Bank Transfer (MT2O2) both inc. & out. transactions | Birr 50 per transaction (NBE charge only) | Birr 57.5 per transaction (NBE charge only) |
| Incoming Real Time Gross Settlement (RTGS) transactions (incoming MT 103) | Free | Free |
| Incoming low value payments (cheque, CPO and credit Transfer) or Bulk Payment | Free | Free |
| CPO's and Certified cheque Issuance | ||
| Issuance | ||
| For account holders | Birr 100 | Birr 115 |
| For non-account holders | ||
| Less than Birr 100,000 | Birr 300 | Birr 345 |
| Birr 100,001 to Birr 200,000 | Birr 500 | Birr 575 |
| Above Birr 200,000 | Birr 1000 | Birr 1150 |
| Cancellation and Amendments | ||
| For account holders | Birr 100 | Birr 115 |
| For non-account holders | Birr 200 | Birr 230 |
| Lost and Refund/ Lost and Replacement | ||
| For account holders | Birr 200 | Birr 230 |
| For non-account holders | Birr 1000 | Birr 1150 |
| Sale of share | ||
| Sale of share | Free | Free |
| Safe deposit | ||
| Small | Birr 5,250 per annum | Birr 6,037.5 per annum |
| Medium | Birr 8,750 per annum | Birr 10,062.5 per annum |
| Large | Birr 10,500 per annum | Birr 12,075 per annum |
| Extra Large | Birr 14,000 per annum | Birr 16,100 per annum |
| Deposit for Keys | Birr 14,000 per annum | Birr 16,100 per annum |
| Penalty for failure to renew contract/pay annual rent | ||
| 100% of the annual rent in arrear and 25% of the annual rent for 3 months late | 100% of the annual rent in arrear and 25% of the annual rent for 3 months late plus VAT. | |
| 100% of the annual rent in arrear and 50% of the annual rent for 6 months late | 100% of the annual rent in arrear and 50% of the annual rent for 6 months late Plus VAT. | |
| 100% of the annual rent in arrear and 75% of the annual rent for 9 months late | 100% of the annual rent in arrear and 75% of the annual rent for 9 months late Plus VAT. | |
| 100% of the annual rent in arrear and 100% of the annual rent in arrear for one year and above late. | 100% of the annual rent in arrear and 100% of the annual rent in arrear for one year and above late Plus VAT. |
| Applicable Charges | ||
|---|---|---|
| Before VAT | After VAT | |
| Mobile Banking Services | ||
| Fund Transfer | ||
| Transfer to own accounts (within the bank) with the same customer ID | Free | Free |
| Transfers to Other Accounts (Within the Bank), Bill Payments and Third-Party Arrangements | ||
| Birr 1- Birr 1,000 | Birr 0.50 | Birr 0.575 |
| Birr 1,001- Birr 5,000 | Birr 1 | Birr 1.15 |
| Birr 5,001- Birr 10,000 | Birr 2 | Birr 2.3 |
| Birr 10,001 up to Birr 50,000 | Birr 3 | Birr 3.45 |
| Birr 50,001 up to Birr 100,000 | Birr 5 | Birr 5.75 |
| Birr 100,001 up to Birr 200,000 | Birr 10 | Birr 11.5 |
| Birr 200,001 up to Birr 300,000 | Birr 15 | Birr 17.25 |
| Above Birr 300,000 | Fixed Birr 20 | Fixed Birr 23 |
| Transfer to another bank | ||
| RTGS | Birr 50 plus NBE charge | Birr 57.5 plus NBE charge |
| ETH SWITCH | ||
| Up to Birr 2,000 | Birr 5 plus ETHSWITCH Charge | Birr 5.75 plus ETSWITCH Charge |
| Above Birr 2,000 | Birr 50 plus ETSWITCH Charge | Birr 57.50 plus ETSWITCH Charge |
| Transfer to Wallet (Mobile Money) | ||
| To CBE Birr | Free | Free |
| To Tele Birr and another wallet | ||
| From Birr 1 - Birr 10,000 | Birr 10 | Birr 11.50 |
| Above Birr 10,000 | Birr 15 | Birr 17.25 |
| LMTS Commission | Birr 3.5/mill | Birr 4.025/mill |
| View A/C balance | Free | Free |
| Pin replacement | Free | Free |
| Linking other accounts | Free | Free |
| Maintenance Fee | Birr 5/month | Birr 5.75/ month |
| Card Banking Services | ||
| Domestic Debit Card Issuance or Replacement | ||
| Card Issuance | Birr 100 | Birr 115 |
| Replacement of lost or up on expiry | Birr 100 | Birr 115 |
| Issuance of all Domestic Debit Card via Instant Issuance Machine for new & replacement | Birr 200 | Birr 230 |
| Issuance of Wearable Contactless Cards (CBE-Pay Band) | ||
| Watch Bank (Classic, Gold & Platinum) | Birr 217.39 | Birr 250 |
| Strap Band (Classic, Gold & Platinum) | Birr 217.39 | Birr 250 |
| Basic Bank (Classic, Gold & Platinum) | Birr 217.39 | Birr 250 |
| Domestic Prepaid Card Issuance / Replacement | Birr 100 | Birr 115 |
| Issuance of International Debit Cards | ||
| VISA International Platinum Debit Card | Birr 500 | Birr 575 |
| International Prepaid Card Issuance and Replacement (VISA Branded) | ||
| Classic International Prepaid Card | Birr 300 | Birr 345 |
| Gold International Prepaid Card | Birr 500 | Birr 575 |
| Platinum International Prepaid Card | Birr 800 | Birr 920 |
| International Prepaid Card Issuance and Replacement (Master Card Branded) | ||
| International Prepaid Card (Physical) | Birr 400 | Birr 460 |
| International Prepaid Card (Digital) | Birr 200 | Birr 230 |
| Issuance of Instant International Prepaid card Via Instant Machine for New and Replacement | ||
| Classic International Prepaid Card | Birr 400 | Birr 460 |
| Gold International Prepaid Card | Birr 600 | Birr 690 |
| Platinum International Prepaid Card | Birr 900 | Birr 1,035 |
| ATM Cash Withdrawal | 0.35% | 0.35% plus VAT |
| Balance Enquiry | Free | Free |
| Pin Replacement | Birr 20 | Birr 23 |
| Additional Account Link | Free | Free |
| POS Services | ||
| Purchase | Free | Free |
| Encashment | 0.45% | 0.45% plus VAT |
| Internet Banking Services | ||
| Fund Transfer | ||
| Transfer to own accounts (within the bank) with the same customer ID | Free | Free |
| Transfers to Other Accounts (within the Bank), Bill Payments and Third-Party Arrangements | Birr 5 | Birr 5.75 |
| Government Budgetary Organizations | Free | Free |
| Bulk Transfer | ||
| Salary | Birr 1/person | Birr 1.15/person |
| Other than salary | Birr 5/person | Birr 5.75/person |
| Transfer to another bank | ||
| RTGS | Birr 200 plus NBE Charge | Birr 230 plus NBE Charge |
| ETH SWITCH | ||
| Up to Birr 2,000 | Birr 5 plus ETHSWITCH Charge | Birr 5.75 plus ETSWITCH Charge |
| Above Birr 2,000 | Birr 50 plus ETSWITCH Charge | Birr 57.50 plus ETSWITCH Charge |
| LMTS | Birr 1.25/mille | Birr 1.25/mille plus Vat |
| Additional bank statement other than one per month | Birr 10 per/page, other than once a month | Birr 11.5 per/page, other than once a month |
| Loading prepaid card | ||
| Domestic | Birr 100 | Birr 115 |
| International | Birr 500 | Birr 575 |
| Linking other Accounts | Free | Free |
| PIN Replacement | Free | Free |
| CBE Birr Services | ||
| Cash in | ||
| Cash in at Agent (one transaction in a day) | Free | Free |
| Cash in at Agent (above one transaction in a day) | ||
| Up to Birr 50 | Free | Free |
| Birr 51- Birr 500 | Birr 6.45 | Birr 7.42 |
| Birr 501- Birr 2,000 | Birr 7.6 | Birr 8.74 |
| Birr 2,001- Birr 3,000 | Birr 8.18 | Birr 9.40 |
| Birr 3,001- Birr 4,000 | Birr 9.33 | Birr 10.73 |
| Birr 4,001- Birr 5,000 | Birr 10.48 | Birr 12.10 |
| Birr 5,001- Birr 6,000 | Birr 11.63 | Birr 13.37 |
| Above Birr 6,001 | 0.2% of the deposit amount | 0.2% of the deposit amount plus VAT |
| Cash in at Branch | Free | Free |
| Cash out | ||
| Cash out on ATM | 0.35% | 0.35% plus VAT |
| By Registered Customer | ||
| Up to Birr 100 | Birr 1 | Birr 1.15 |
| Birr 101- Birr 3,000 | 1% | 1% plus VAT |
| Above Birr 3,000 | Birr 30 | Birr 34.50 |
| By Unregistered Customer | ||
| Up to Birr 100 | Birr 1.5 | Birr 1.72 |
| Birr 101-Birr 5,000 | 1.5% | 1.5% plus VAT |
| Above Birr 5,000 | Birr 75 | Birr 86.25 |
| At Branch | Free | Free |
| Airtime top-up | Free | Free |
| Bill Payment | Free | Free |
| CBE Smart Branch Services | ||
| Fund Transfer | ||
| Transfer to own accounts (within the bank) with the same customer ID | Free | Free |
| Transfer to another accounts (within the bank) including Bill Payments and third party arrangements | ||
| From Br.1-Br 10,000 | Birr 3 | Birr 3.45 |
| Birr 10,001-Birr 100,000 | Birr 5 | Birr 5.75 |
| Above Birr 100,000 | Birr 10 | Birr 11.5 |
| Transfer to Other Bank Accounts | ||
| RTGS | Birr 50 plus NBE charge | Birr 57.5 plus NBE charge |
| ETH SWITCH | ||
| Up to Birr 2,000 | Birr 5 plus ETHSWITCH Charge | Birr 5.75 plus ETSWITCH Charge |
| Above Birr 2,000 | Birr 50 plus ETSWITCH Charge | Birr 57.50 plus ETSWITCH Charge |
| Account Opening | Free | Free |
| Balance Enquiry | Free | Free |
| 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 |