Orange Bank Africa review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Orange Bank Africa pairs an easy-access savings account with a short personal loan for adults already banking through Orange Money in Côte d'Ivoire. Savings pay 3.5% with no monthly fee, and loans of XOF 5,000 to XOF 50,000 at 1.15% come with same day funding and early repayment without charge.
Key facts
- Best for
- Easy-access mobile-money savings with a same-day funded personal loan in the same app.
- Headline rate
- 3.5%↗
- Rate type
- Variable↗
- Term
- 1 month↗
- Minimum deposit
- F CFA 1↗
- Access terms
- Savings and withdrawals 24/7 from the Max it or Orange Money Africa app; withdrawal back to Orange Money free of charge, no fees, cancellation free within 7 days↗
- Monthly fee
- F CFA 0↗
- Account kind
- Easy access↗
- Legal entity
- Orange Bank Africa↗
- Headquarters
- Côte d'Ivoire↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- orangebank.ci
Loans
- APR
- 1.15%↗
- Loan amount
- F CFA 5,000 to F CFA 50,000↗
- Arrangement fee
- 1% HT file fee (Pret Tik Tak); 2,400 F CFA HT per year digital services access fee↗
- Credit check
- Soft prequal↗
- Funding time
- Instantly, credited to the Orange Money account↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- 18+; active Orange Money account; at least 6 months as Orange Money client↗
- Origination fee (%)
- 1%↗
- Loan types
- Personal, Payday↗
- Features
- Same-day funding
Debit cards
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Savings and withdrawals run at any hour from the Max it or Orange Money Africa app, and a withdrawal back to Orange Money is free of charge
- easy access savings paying 3.5% with no monthly fee
- Support runs on email, phone and help centre
Cons
- variable rate, so the 3.5% on savings can move
- Loans add a 1% file fee on top of 1.15%, plus an annual digital services access fee
- Access needs an active Orange Money account and a waiting period, which narrows who can hold savings
Who it suits
- Orange Money users in CI who want savings and a loan in the same app
- Borrowers after XOF 5,000 to XOF 50,000 at 1.15% who need funding same day funding
- Savers who want to repay early without charge
Who should look elsewhere
- Wise, which pays 3.29% on its balance, fits savers who keep euros rather than mobile money
- bunq at 3.01% is the pick for savers with no mobile-money account
- Finteres, whose rate runs 0% to 36%, suits savers after a different product type
Rates and card terms
The savings account pays 3.5% and the rate type is variable, so the return can move instead of staying locked. The loan side charges 1.15% over a term of 1, which makes it a short bridge rather than a long repayment plan. Both products sit under the same brand and the same mobile-money app.
The company behind it
Orange Bank Africa is the legal entity behind both the savings account and the loan, and it is based in Côte d'Ivoire, so the product is built for a single market rather than a cross-border one. Support runs on email, phone and help centre, which gives savers and borrowers a phone line, an email address and a help centre for questions about balances, rates and repayments.
How Orange Bank Africa compares
Where Orange Bank Africa is available
- Available
- Côte d'Ivoire
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the savings account pay?+
The account pays 3.5% on an easy access basis, and the rate type is variable, so the figure can move rather than stay locked for a set period. You can save and withdraw at any hour from the Max it or Orange Money Africa app, and a withdrawal back to Orange Money is free of charge.
Are there fees on the savings account?+
Saving costs nothing to maintain: the monthly fee is XOF 0 and the minimum deposit is XOF 1. Charges do bite on the loan side, where a file fee of 1% applies alongside an annual digital services access fee.
How do I pay money in and take it out?+
Top-ups to the prepaid card run recharge via agency or Orange Money, and the card works on the visa network. Savings and withdrawals on the account are possible at any hour from the Max it or Orange Money Africa app, and a withdrawal back to Orange Money is free of charge.
How quickly is a loan paid out?+
Funding is Instantly, credited to the Orange Money account, and same day funding is listed as a feature of the product. Loan sizes run XOF 5,000 to XOF 50,000 at 1.15%, and the soft prequal check means eligibility is screened before a full decision. Early repayment carries no charge.
Who can open an account, and can I close it?+
You need to be an adult with an active Orange Money account, and a waiting period as an Orange Money client before an account can be opened. Cancelling is free within a short notice window, and support runs on email, phone and help centre if you want to check the conditions.
How does the rate compare with other savings?+
The 3.5% sits above the 3.06% paid across savings brands on the site. Wise pays 3.29% and bunq 3.01% on their balances, so the choice turns on the currency and the app you already use as much as on the headline figure.
What else does the bank offer?+
Alongside the savings account there are personal and payday loans of XOF 5,000 to XOF 50,000 at 1.15%, a prepaid card on the visa network, and support on email, phone and help centre for account questions.
Sources
- orangebank.ci/aide checked September 26, 2026
Backs: Rate type, Support channels
- orangebank.ci/carte-prepayee checked September 26, 2026
Backs: Card type, Top-up fee, Card network
- orangebank.ci/cgu-tiktak checked September 26, 2026
Backs: Eligibility, Free early repayment, Lender type
- orangebank.ci/epargne-tiktak checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee
- orangebank.ci/nous-connaitre checked September 26, 2026
Backs: Headquarters, Legal entity
“Chères clientes, chers clients, bienvenue chez Orange Bank Africa”
- orangebank.ci/pret-tiktak-classique checked September 26, 2026
Backs: Loan amount, APR, Credit check, Features, Funding time, Loan types, Arrangement fee, Origination fee (%), Term
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Orange Bank Africa
Easy-access mobile-money savings with a same-day funded personal loan in the same app.