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Bank of Africa Niger review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank of Africa Niger suits savers in Niger who want everyday saving with no monthly charge and money they can reach at any time. The Classic account pays a variable headline rate of 3.5%, and the debit card it issues runs on the visa network.

Key facts

Best for
Easy-access saving with a XOF 0 monthly fee and no lock-in.
Monthly fee
F CFA 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
BANK OF AFRICA - NIGER↗
Headquarters
Niger↗
Founded
1994↗
Support channels
Phone, Email↗
Features
Credit line
Official website
bank-of-africa.net

Loans

Loan amount
F CFA 7,000,000↗
Term
36 to 84 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Adult, salaried or retired with a regular pension; at least 3 months with the same employer; salary or pension domiciled at BANK OF AFRICA for at least 1 month↗
Loan types
Personal, Student, Secured, Credit-line↗
Pricing model
No monthly fee

Savings

Headline rate
3.5%↗
Access terms
Save at your own pace with no lock-in; optional Sesame Mauve withdrawal card; can also be opened in a minor child's name↗
Account kind
Easy access↗

Personal insurance

Premium from
F CFA 200↗
Insurance types
Auto, Travel, Life, Income-protection↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
30,000 EUR medical expenses limit (Zen Voyage)↗
Age range
21 years and over for Zen Auto; under 80 for Zen Voyage↗

Mortgages

Fixed period
20 years↗
Maximum loan to value
80% to 100%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 12 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • A XOF 0 monthly fee on the Classic savings account, alongside a 3.5% headline rate
  • The card is a debit card on the visa network, so spending comes straight from the balance
  • Insurance covers auto, travel and life, with premiums from XOF 200 and monthly payments available

Cons

  • Live chat is not among the listed support channels, which run on phone and email
  • The rate type is variable, so the 3.5% headline rate can move
  • Consumer loans go to adults who are salaried or retired, with pay or pension domiciled at the bank and a waiting period with the same employer
Bank of Africa Niger

Ready to try Bank of Africa Niger?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Niger-based savers who want a variable rate and no monthly charge
  • Parents saving for a child, since the account can be opened in a minor child's name
  • Adults wanting personal, student, secured or credit-line lending from a direct lender

Who should look elsewhere

  • Plazo, if a virtual card suits spending plans better than a bank savings account
  • Skrill, for readers who hold funds in an e-money wallet, since its card is prepaid
  • AccessMore, for a prepaid account with its own card rather than a bank deposit

How Bank of Africa Niger compares

Where Bank of Africa Niger is available

Available
Niger

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What interest does the account pay?+

The headline rate is 3.5% and the rate type is variable, so the figure can move instead of staying locked for a set period. For context, the median headline rate across the site is 3%. The account kind is easy access.

How do I reach support?+

Support runs on phone and email. Phone and email are both listed, and phone is one of the most common channels on the site at 74.4%, so live chat and a help centre are not among the listed routes.

What lending does the bank offer?+

The bank is a direct lender and its loan types cover personal, student and secured. Consumer loans reach an amount of XOF 7,000,000 over a term of 36 to 84, while home purchase lending runs up to a maximum loan to value of 80% to 100% over a fixed period of 20.

What insurance sits alongside the account?+

The bank brokers auto, travel and life cover, with premiums from XOF 200 and monthly payments available. Travel cover through Zen Voyage carries a 30,000 EUR medical expenses limit (Zen Voyage), and cover is arranged through the bank as a broker rather than written by the bank itself.

What does it cost to hold the account?+

The Classic savings account carries a monthly fee of XOF 0, and the fee model is listed as no monthly fee. The account kind is easy access, so savings stay reachable rather than tied up, and easy-access accounts are the most common kind in this group at 75.2%.

Who can open the account?+

The account can be opened in an adult's own name or in a minor child's name, and a Sesame Mauve withdrawal card is optional rather than required. Anyone weighing the opening can check the details with the bank on phone and email before applying.

Who runs the bank behind the account?+

The legal entity behind the accounts is BANK OF AFRICA - NIGER, founded in 1994 and headquartered in Niger. It lends directly as a direct lender rather than acting for other lenders, and questions reach it on phone and email.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Bank of Africa Niger

Bank of Africa Niger

Easy-access saving with a XOF 0 monthly fee and no lock-in.

9.1/10See alternatives