CAC International Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CAC International Bank suits savers and borrowers in DJ who want an account with a monthly fee of DJF 0 and a minimum deposit of DJF 0, plus direct lending over 36. The catch is eligibility, since your salary must be paid in and a guarantee or collateral is required.
Key facts
Loans
- Term
- 36 months↗
- Funding time
- Application approved in 24 hours↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Salary must be transferred to CAC International Bank, employer must be an approved company, personal guarantee and/or collateral required↗
- Loan types
- Personal, Business, Car↗
- Use cases
- Home-improvement↗
- Pricing model
- No monthly fee
Savings
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Elsewhere
- LinkedInXfacebook.comyoutube.com
Pros and cons
Pros
- A monthly fee of DJF 0 and a minimum deposit of DJF 0 on an easy access savings account.
- Lends as a direct lender across personal, business and car, with decisions running at Application approved in 24 hours.
- A debit card on the mastercard network, plus returns that rise the longer a balance is left in place.
Cons
- Loans require your salary to be transferred to CAC International Bank, an approved employer, and a personal guarantee and/or collateral.
- Support runs on email and phone, with no chat or help centre in that list.
- The savings rate is variable, so the return is not set in advance.
Who it suits
- Savers keeping a working balance, with a fee of DJF 0 and nothing to hold to keep the account open.
- Borrowers paid a salary into the account by an approved employer who can offer a guarantee or collateral.
Who should look elsewhere
- bunq, if a monthly fee of €0 on a standalone everyday account suits you better than lending tied to your employer.
- Wise, if a monthly fee of £0 is enough and you do not want home improvement lending that requires your salary to be transferred.
Rates and card terms
The savings rate is variable, so it is not set in advance and can move in either direction. Loans are written over 36, which fixes the repayment window on the borrowing side. Read the two together: saving here keeps the return open to change, while borrowing commits you for 36. Check the current variable rate and the cost of a 36 term before you commit either way.
The company behind it
The legal entity is CAC International Bank, headquartered in Djibouti and founded in 2009. It is supervised by the Central Bank of Djibouti and operates in a single market. Support runs on email and phone, so questions go to a person by phone or by email rather than through a chat window or a public help centre.
How CAC International Bank compares
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Where CAC International Bank is available
- Available
- Djibouti
- Licence in Djibouti
- Central Bank of Djibouti, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there any fee or minimum to open the account?+
No. The account runs on no monthly fee with a monthly fee of DJF 0, and the minimum deposit is DJF 0, so nothing has to be paid in to start and nothing has to sit there to keep it open. The stated terms add that returns increase the longer you save.
What kind of savings account is it?+
It is an easy access account, so money stays reachable rather than locked for a set period. That suits a buffer you may need at short notice, and it also suits regular savers, since the terms say returns increase the longer you save and no minimum balance is required.
Is the rate fixed or variable?+
The rate is variable, so it is not set in advance and can move in either direction. The stated terms say returns increase the longer the balance is left in place, which rewards leaving money rather than promising a set figure. Check the current rate before you commit.
What card comes with the account?+
You get a debit card issued as a credit card, running on the mastercard network, so it should work at the usual point of sale terminals. Spending draws on the account balance, and the account itself carries a monthly fee of DJF 0.
Who supervises the bank, and where is it based?+
The legal entity is CAC International Bank, headquartered in Djibouti and founded in 2009. It is supervised by the Central Bank of Djibouti, so deposits sit with a supervised bank that operates in a single market rather than through an intermediary.
Can I borrow, and will I qualify?+
The bank lends as a direct lender on personal, business and car terms over 36, but the rules narrow who can apply: pay has to be sent into a CAC International Bank account, the employer has to sit on the bank's approved list, and a guarantee or security is needed. Home improvement is the listed purpose.
How fast is a loan decision?+
The stated timeline is Application approved in 24 hours, which covers the decision on the application rather than the money reaching your account. If the funds are needed on a fixed date, leave room for disbursement and confirm timing once an offer is made.
Sources
- cacintbank.com/en/about checked September 26, 2026
Backs: Founded, Licences
“CAC International Bank opened its doors in 2009 in the Republic of Djibouti”
- cacintbank.com/en/contact_us.php checked September 26, 2026
Backs: Support channels
“Email: info@cacintbank.com - Phone: +253 21356363”
- cacintbank.com/en/FAQs.php checked September 26, 2026
Backs: Funding time, Loan types, Use cases
“As soon as your loan application is approved, which is a meagre 24-hour time”
- cacintbank.com/en/services/cards-and-point-of-sale-services checked September 26, 2026
Backs: Card kind, Card type, Card network
“The bank provides the following credit cards: Visa Platinum Credit Card”
- cacintbank.com/en/services/loans-services checked September 26, 2026
Backs: Eligibility, Lender type, Term
“Transfer of salary to CAC International Bank; Employer should be a part of the list of approved companies; Acceptable personal guarantee and/or collateral.”
- cacintbank.com/en/services/personal-services checked September 26, 2026
Backs: Monthly fee
“With CAC International Bank's Savings account - No monthly fee or minimum balance required”
- cacintbank.com/en checked September 26, 2026
Backs: Headquarters
“Address: Rue de Marseille, Djibouti City, Djibouti”
- cacintbank.com/en/services/personal-services checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Rate type
“With CAC International Bank's Savings account, the longer you save, the higher your returns.”
- cacintbank.com/en/terms.php checked September 26, 2026
Backs: Legal entity
“This Agreement between you and CAC International Bank ("CAC IB", "the Bank")”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
CAC International Bank
A fee-free easy access account with direct lender lending under the same roof.