Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Bankak 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

Bankak pairs an easy-access saving account with a monthly fee of SDG 0 and direct lending for home improvement, so it suits Sudanese adults who bank in local currency and want the same bank for saving and borrowing. The variable rate and a term of up to 36 keep both sides flexible.

Key facts

Best for
Sudanese adults who want to save on a flexible account and borrow for home improvement from the same bank.
Monthly fee
SDG 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Bank of Khartoum↗
Headquarters
Sudan↗
Founded
1913↗
Support channels
Email, Phone↗
Official website
bankofkhartoum.com

Loans

Loan amount
SDG 500,000 to SDG 50,000,000↗
Term
up to 36 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Sudanese nationals only; salaried 21-65 years, self-employed 25-76 years at finance maturity; 3 months with current employer or business running 12 months; debt burden ratio max 50% of net monthly income↗
Loan types
Personal, Student↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Access terms
Access anytime via ATM, mobile/internet banking (Bankak app) or any branch; profits shared yearly on lowest monthly balance↗
Account kind
Easy access↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • The saving account is easy access and runs on a no monthly fee model, so the monthly fee is SDG 0
  • Bankak is a direct lender and its lending covers personal and student finance over a term of up to 36
  • Loans run SDG 500,000 to SDG 50,000,000, well above the site median of €526.18, and are aimed at home improvement work
  • The card is a debit card on visa, with access anytime through the ATM, the app or a branch

Cons

  • The rate is variable, so the return on savings can move rather than staying fixed
  • Support runs on email and phone only, with no live chat or help centre in the list
  • Profit is shared yearly on the lowest monthly balance, so the return follows your lowest holding rather than your average
Bankak

Ready to try Bankak?

Scored 9.5 / 10 by SumCue.

See alternatives

Who it suits

  • Sudanese nationals who want an easy access account with a monthly fee of SDG 0, rather than the prepaid model at AccessMore
  • Borrowers funding home improvement work, where a term of up to 36 suits planned spending better than a Skrill balance
  • Card users who want a debit card on visa, rather than the virtual card Plazo issues

Who should look elsewhere

  • Anyone outside the SD market, since eligibility is limited to Sudanese nationals
  • Readers who need a set rate, because the account pays a variable rate
  • Card shoppers after a virtual or prepaid structure, such as Plazo or Skrill, since the card is a debit card

Rates and card terms

The saving account pays a variable rate, so what you earn can move rather than staying locked. Repayment on the lending side runs on a term of up to 36, which keeps the borrowing window short and the commitment clear. Readers planning a fixed monthly budget should weigh this against a fixed-rate account.

How Bankak compares

Where Bankak is available

Available
Sudan

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

Frequently asked questions

What does it cost to hold a Bankak account?+

The account is built on a no monthly fee model, so the monthly fee is SDG 0 and holding a balance costs very little. The rate on top is variable. The costs that matter more sit on the lending side, where the term of up to 36 decides how much you repay over time.

Can I reach my money whenever I want?+

Access is anytime through the ATM, mobile or internet banking in the Bankak app, or through any branch. The account is easy access, so there is no notice period to serve before taking money out. Profit is shared yearly on your lowest monthly balance.

What card does Bankak offer?+

The card is a debit card, so spending comes straight from your account balance rather than a credit line. It runs on visa, so it is accepted wherever that network works, and it is the physical counterpart to the virtual card Plazo issues.

Does Bankak lend, and for what?+

Yes, and it lends directly. Bankak is a direct lender, so the money comes from Bank of Khartoum rather than a broker or marketplace. The lending covers personal and student finance, is aimed at home improvement work, and runs SDG 500,000 to SDG 50,000,000 over a term of up to 36.

Who can apply?+

Eligibility is for Sudanese nationals only, which ties the products to the SD market. Salaried and self-employed applicants need a minimum age, a waiting period with the current employer or a business that has run for a set period, and a debt burden ratio that stays within a cap set against net monthly income.

How do I get help?+

Support runs on email and phone, so questions go by email or phone. Live chat and a help centre are not part of that channel list, which may matter if you prefer written answers you can return to later. Branch counters remain the fallback for anything the app does not cover.

Who is behind Bankak?+

Bankak is the personal banking brand of Bank of Khartoum, which was founded in 1913 and is headquartered in Sudan. A bank of that age has been part of everyday banking for a long time, and branches sit alongside app banking for customers who prefer face to face.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

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

Bankak

Bankak

Sudanese adults who want to save on a flexible account and borrow for home improvement from the same bank.

9.5/10See alternatives