Balad Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Balad Bank pairs a variable headline rate of 19.28% with withdrawals at any time, which suits savers in SD who already keep a current account with the bank. Eligibility asks for a Central Bank of Sudan credit code, and profits are credited at the start of each calendar year.
Key facts
- Best for
- A high headline rate with easy access, for existing Balad Bank customers in Sudan.
- Headline rate
- 19.28%↗
- Rate type
- Variable↗
- Access terms
- Withdrawal at any time, profits calculated daily and credited at the start of each calendar year, ATM card issued↗
- Account kind
- Easy access↗
- Legal entity
- Balad Bank↗
- Headquarters
- Sudan↗
- Founded
- 1985↗
- Support channels
- Phone, Help-centre↗
- Official website
- baladbank.net
Pros and cons
Pros
- A headline rate of 19.28% on an easy access account, with withdrawal at any time.
- Profits are worked out daily and credited at the start of each calendar year, and an ATM card is issued.
- A direct lender that also lends for personal and business needs, so savings and finance sit with one institution.
- A long history, trading since 1985 under the Central Bank of Sudan.
Cons
- The variable rate can move, so 19.28% is a starting point rather than a fixed return.
- Support runs on phone and help centre, and chat, email or in-app messaging are not among the listed channels.
Who it suits
- Current account holders at Balad Bank in SD who want a high variable rate with access to savings at any time.
- Business owners in SD who hold a valid trade licence and want savings and business finance from one bank.
- Savers content to have interest credited at the start of each calendar year rather than needing it more often.
Who should look elsewhere
- bunq, listed at 3.01%, for readers who weigh a lower headline rate above access in Sudan.
- wise, at 3.29%, for anyone put off by the gap to Balad Bank's 19.28%.
- finteres, at 0% to 36%, for readers who want a rate range rather than a single high figure.
The company behind it
Balad Bank trades as a Balad Bank headquartered in Sudan, and has been operating since 1985, so it is a long standing local institution rather than a new entrant. The Central Bank of Sudan is the regulator recorded for it, and customer contact runs on phone and help centre.
How Balad Bank compares
9.4 vs 8.0
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 8.9
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 9.3
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0- 9.4 vs 8.0
9.4 vs 9.0
9.4 vs 8.6
9.4 vs 8.3
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4- 9.4 vs 8.0
9.4 vs 9.0
Where Balad Bank is available
- Available
- Sudan
- Licence in Sudan
- Central Bank of Sudan, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much interest does Balad Bank pay?+
Balad Bank lists a headline rate of 19.28% on its savings account, and the rate is variable rather than fixed, so it can move. That figure sits well above the 3% median across the comparison. Because it is variable, treat 19.28% as the starting point of the account rather than a guaranteed return.
How do withdrawals and interest work on the account?+
The account is easy access, and withdrawals can be made at any time without giving notice. Profits are worked out each day and credited at the start of each calendar year, so the interest arrives as a single annual credit rather than a monthly trickle. An ATM card is issued with the account for cash access.
Is Balad Bank regulated?+
Yes. Balad Bank is headquartered in Sudan and has been operating since 1985, and the Central Bank of Sudan is the regulator recorded for it. Readers comparing savings accounts abroad will see that the same body behind the credit code supervises the bank, so what covers a balance is a question to settle with the bank directly.
Does Balad Bank lend money as well as hold savings?+
It is a direct lender, covering personal and business loans, so savings and borrowing sit with the same institution. That suits customers who want the deposit and the credit handled by one bank. Business applicants add a valid trade licence to the usual requirements, and applications run through the bank rather than a broker.
How can I get help from Balad Bank?+
Support runs on phone and help centre, which is phone and help centre only. Anyone who prefers chat, email or in-app messaging will not find it listed, so plan to phone or work through the help centre. Phone suits urgent questions on balances, and the help centre sets out the account rules in writing.
How does Balad Bank compare with other savings brands?+
On headline rate the gap is wide. Balad Bank shows 19.28%, against 3.01% at bunq, 3.29% at wise and 0% to 36% at Finteres. The trade off is access and location: Balad Bank is an easy access account in SD for customers who already hold its current account.
Sources
- baladbank.net/about-the-bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“"established ... on 23/07/1985 and commenced official operations on 02/01/1990"”
- baladbank.net/en/home checked September 26, 2026
Backs: Support channels
“"Have a question in mind? The support team at Al Balad Bank is here to help you. Contact us to get immediate answers"; "Call us" tel:1144; "FAQs" section on the page”
- baladbank.net/investment-accounts checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
“"You can withdraw from the account at any time and profits are calculated by the day"; "profits are added to your account at the beginning of each calendar year"”
- baladbank.net/mobile-banking checked September 26, 2026
Backs: Licences
- baladbank.net/personal-finance: checked September 26, 2026
Backs: Eligibility, Lender type, Loan types
“Existence of a current account with Balad Bank, a copy of valid identity papers (national card), and the Central Bank of Sudan credit code issued by the branch holding the person's account”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.
Related by the facts
Balad Bank
A high headline rate with easy access, for existing Balad Bank customers in Sudan.