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Djamo review

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

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Our verdict

Djamo suits people in Côte d'Ivoire who want a fee-free Visa debit card, savings and short personal loans in one app. The savings balance pays 3.5% to 6% with no monthly fee, though the rate is variable and support runs on chat and email only, with no phone line or branch.

Key facts

Best for
One app for everyday banking, saving and a small personal loan in Côte d'Ivoire.
Monthly fee
F CFA 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Djamo Cote d'Ivoire↗
Headquarters
Côte d'Ivoire↗
Founded
2020↗
Support channels
Chat, Email↗
Features
Travel
Audience
Business
Official website
djamo.com

Loans

Loan amount
F CFA 5,000 to F CFA 2,000,000↗
Arrangement fee
1% of the loan amount (dossier fee), plus optional 3% for instant disbursement↗
Credit check
Soft prequal↗
Funding time
Instant to the Djamo account with the optional 3% fee, otherwise standard up to 72h↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18 or older; Ivorian citizen or foreign resident in Côte d'Ivoire holding a valid official ID document, with an active KYC-completed Djamo account↗
Origination fee (%)
1%↗
Loan types
Personal↗
Pricing model
No monthly fee

Brokers

Minimum deposit
F CFA 1,000↗
Account fee
F CFA 0↗
Markets
Stocks, Funds↗
Regulators
AMF-UMOA↗
Deposit and withdrawal fees
1.5% to mobile money and banks↗
Platforms
Mobile app↗

Savings

Headline rate
3.5% to 6%↗
Access terms
No lock (Libre) or locked 1, 3, 6 or 12 months; interest calculated pro rata and credited monthly↗
Account kind
Easy access↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInfacebook.comtwitter.com

Pros and cons

Pros

  • No monthly fee, at XOF 0, with a Visa debit card
  • Savings pays 3.5% to 6%, credited monthly, and stays easy to access
  • Loans of XOF 5,000 to XOF 2,000,000 go straight to the account, with free early repayment
  • The card, savings and credit all sit in one mobile app

Cons

  • The savings rate is variable, so the headline figure can move
  • Cash withdrawals to mobile money and banks cost 1.5% to mobile money and banks
  • Support runs on chat and email only, with no phone line or branch
Djamo

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Scored 8.4 / 10 by SumCue.

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Who it suits

  • People in Côte d'Ivoire with valid official ID and an active, KYC-completed Djamo account
  • Anyone saving small sums and keeping the balance free to access
  • Borrowers who want a personal loan sent straight to the app

Who should look elsewhere

  • Anyone outside Côte d'Ivoire, since eligibility covers citizens and residents there
  • People who need phone or branch support, as help runs on chat and email
  • Savings customers chasing a fixed rate, since the rate is variable

Rates and terms

Savings pay 3.5% to 6%, with interest calculated pro rata and credited monthly. The rate is variable, so the headline figure is not locked in. Money can sit free with no lock, or be tied up for a fixed stretch. The account is easy access, with a minimum deposit of XOF 1,000 and a monthly fee of XOF 0.

Who runs it

The provider is Djamo Cote d'Ivoire, based in Côte d'Ivoire and founded in 2020. The Visa debit card, the savings account and personal credit all run through the mobile app. Help is offered over chat and email, so reaching someone means writing in or starting a chat rather than visiting a branch.

How Djamo compares

Where Djamo is available

Available
Côte d'Ivoire, Senegal
Licence in Côte d'Ivoire
BCEAO, checked September 26, 2026

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

Frequently asked questions

What does it cost to hold a Djamo account?+

There is no monthly charge, with the monthly fee at XOF 0 and the account fee at XOF 0. The card is a Visa debit card, so spending comes straight from the balance. The costs that matter sit on cash movement rather than on holding the account.

How much do the savings pay?+

The headline rate is 3.5% to 6% and it is variable, so the figure can change. Interest is calculated pro rata and credited monthly. You can hold the money with no lock at all, or tie it up for a fixed stretch if you want a commitment.

Can I withdraw money, and what does it cost?+

Withdrawals to mobile money and banks are charged at 1.5% to mobile money and banks. That cost applies per transfer, so frequent cash movements add up. The savings balance is easy access, so savings are not tied up and can be drawn on as needed.

Who can apply for a Djamo loan?+

You need to be an adult, hold a valid official ID document in Côte d'Ivoire as an Ivorian citizen or foreign resident, and have an active Djamo account with KYC completed. Eligibility uses a soft pre-qualification check, soft prequal, so a check alone does not commit you to credit.

What does a loan cost and how fast is the money?+

Loans run from XOF 5,000 to XOF 2,000,000 and are sent straight to your Djamo account. Standard funding can take a while, or an optional instant disbursement fee buys a quicker transfer. The dossier fee is 1% of the loan amount, and early repayment carries no charge.

Who regulates Djamo?+

Djamo operates in Côte d'Ivoire, where the regulator is BCEAO, and the services are provided by Djamo Cote d'Ivoire. The savings balance, the Visa debit card and the personal loans all sit with the same provider under terms set for the Côte d'Ivoire market.

Who is Djamo aimed at?+

The service targets a business audience, business, and runs through a mobile app alone. In practice it suits people in Côte d'Ivoire who want an everyday account, savings and a personal loan handled in one place, including those who travel, since travel is a listed card feature.

What kind of card is it and where can I use it?+

The card is a debit card on the visa network, so it is accepted wherever that network is taken. Travel is a listed card feature, travel, which suits people who pay in a foreign currency abroad. Spending comes straight from the account balance.

Sources

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.

Djamo

Djamo

One app for everyday banking, saving and a small personal loan in Côte d'Ivoire.

8.4/10See alternatives