Exim Bank Tanzania review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Exim Bank Tanzania suits customers who want an easy-access account with no monthly fee and direct borrowing options. It is especially relevant to government employees in Tanzania, while the Wafanyakazi Loan carries an arrangement charge of 1.5% of the loan amount.
Key facts
Loans
- Loan amount
- TZS 1,000,000 to TZS 200,000,000↗
- Term
- 6 to 120 months↗
- Arrangement fee
- 1.5% of loan amount, minimum TZS 65,000 incl. VAT (Wafanyakazi Loan)↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Government employees of Tanzania with national ID, 6 months bank statement, recent salary slips and employer introduction letter↗
- Origination fee (%)
- 1.5%↗
- Loan types
- Personal, Credit-line, Secured↗
- Pricing model
- No monthly fee
Savings
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The Haba Na Hapa account has a monthly fee of TZS 0.
- The account pays a variable headline rate of 4%.
- The Wafanyakazi Loan offers terms of 6 to 120.
- Support is available through phone, email and help centre.
Cons
- The Haba Na Hapa account has a minimum deposit of TZS 50,000.
- The account's headline rate is variable, as shown by its variable rate type.
- Wafanyakazi Loan applicants must meet the stated Eligibility for government employees in Tanzania.
Who it suits
- Government employees in Tanzania applying for the Wafanyakazi Loan.
- Customers who want easy access to an Exim Bank branch.
- People considering personal, credit-line or secured loans directly from a lender.
Who should look elsewhere
- Applicants who do not meet the Wafanyakazi Loan Eligibility.
- Customers unwilling to hold the account minimum deposit of TZS 50,000.
- People seeking a fixed-rate account, since the rate type is variable.
Rates and terms
The Haba Na Hapa account pays a headline rate of 4% with a variable rate type. Its balance qualifies for a minimum deposit of TZS 50,000, while the monthly fee is TZS 0. The related Wafanyakazi Loan has a repayment term of 6 to 120 and an arrangement charge equal to 1.5% of the loan amount.
Who runs it
Exim Bank Tanzania operates as Exim Bank (Tanzania) Limited, headquartered in Tanzania. The bank was founded in 1997. Customers can contact the bank through phone, email and help centre, which provides phone, email and help centre support. Its personal lending offer includes personal, credit-line and secured loans through a direct lender.
How Exim Bank Tanzania compares
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Where Exim Bank Tanzania is available
- Available
- Tanzania
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Haba Na Hapa account pay?+
The account has a headline rate of 4%. This is a variable rate, so it may change rather than remain fixed for the life of the account.
Is there a monthly fee?+
The Haba Na Hapa account has a monthly fee of TZS 0. It is described as a no-monthly-fee account, which helps keep the cost of maintaining the account straightforward.
How much must I deposit to open the account?+
The stated minimum deposit is TZS 50,000. Customers also have branch access, and interest is described as accruing on daily balances and being paid monthly.
Who can apply for the Wafanyakazi Loan?+
The loan is intended for government employees of Tanzania. Eligibility requires a national ID, a bank statement, recent salary slips and an employer introduction letter.
What does the Wafanyakazi Loan cost?+
The Wafanyakazi Loan has an arrangement charge of 1.5% of the loan amount. Available borrowing under the stated offer is TZS 1,000,000 to TZS 200,000,000.
How long can a Wafanyakazi Loan run?+
The repayment term is 6 to 120. Exim Bank Tanzania is a direct lender, and its broader personal loans include personal, credit-line and secured lending.
How can I contact Exim Bank Tanzania?+
Support is offered through phone, email and help centre. These channels include phone, email and a help centre, giving customers several ways to contact the bank.
Sources
- eximbank.co.tz/en checked September 26, 2026
Backs: Features
“Travel without cash”
- eximbank.co.tz/en/about checked September 26, 2026
Backs: Founded, Headquarters
“Since our inception in 1997, Exim Bank has emerged as one of the leading financial services providers”
- eximbank.co.tz/en/help checked September 26, 2026
Backs: Support channels
“General inquiry Phone:: 0800780111 Email:: customercare@eximbank.co.tz ... Frequently asked questions”
- eximbank.co.tz/en/personal/loans checked September 26, 2026
Backs: Lender type, Loan types
“Cash Cover Loan: These are term loans or overdraft granted by the bank against a deposit account”
- eximbank.co.tz/en/personal/loans/wafanyakazi-loan checked September 26, 2026
Backs: Loan amount, Eligibility, Arrangement fee, Origination fee (%), Term
“Maximum loan amount of TZS 200 million; The minimum loan amount of TZS 1 million (Wafanyakazi Loan)”
- eximbank.co.tz/en/personal/ways-to-bank/cards checked September 26, 2026
Backs: Card kind, Card type
“Silver Credit Card”
- eximbank.co.tz/en/privacy checked September 26, 2026
Backs: Legal entity
“At Exim Bank (Tanzania) Limited ("the Bank", "we", "us", or "our")”
- eximbank.co.tz/personal/accounts/haba-na-hapa-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Credit interest rate of up to 4% per annum (accrued on daily balances and paid monthly)”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Exim Bank Tanzania
Tanzanian government employees seeking everyday banking and eligible personal loans.