SUNU Bank Togo review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SUNU Bank Togo offers an easy-access savings account paying 3.5% on a variable basis, a debit card on the visa network and direct lender lending at 6.95%. It suits customers in TG who want savings, spending and loans from one bank, and who are comfortable paying XOF 750 a month for the card.
Key facts
Savings
Pros and cons
Pros
- An easy access savings account paying 3.5% on a variable rate, above the site median of 3%.
- direct lender lending at 6.95% on a fixed rate basis, covering personal, secured, car and student loans.
- A debit card on the visa network, built for travel spending.
Cons
- A monthly card charge of XOF 750 sits well above the €0 bunq charges and the £0 Wise charges.
- The savings account asks for a minimum deposit of XOF 10,000 to XOF 15,000, against a site median of €0.88.
- Help runs on phone, email and help centre only.
Who it suits
- People wanting an easy access savings account paying 3.5% alongside a debit card on the visa network.
- Borrowers after direct lender finance at 6.95% for personal, secured, car or student needs.
- Customers in TG who prefer one bank for savings, spending and loans.
Who should look elsewhere
- Anyone set on a card with no monthly charge: bunq charges €0 and Wise charges £0.
- Varo Believe Secured Credit Card, whose card charges $0, if the secured credit card format matters more than the debit card here.
- Savings hunters wanting a fixed return, since the variable rate on 3.5% can move.
How SUNU Bank Togo compares
Frequently asked questions
How much does the card cost to hold?+
The card is a debit card on the visa network with a monthly charge of XOF 750. That is the running cost of keeping the card open, and it sits above the €0 bunq charges and the £0 Wise charges. The card is pitched at travel use.
Does the savings account pay interest?+
The savings account is easy access and pays 3.5% on a variable rate, so the return can move rather than staying fixed for the life of the balance. It is the same bank that issues the card, which keeps savings and day-to-day spending in one relationship.
How much do I need to deposit to open the savings account?+
The account asks for a minimum deposit of XOF 10,000 to XOF 15,000. Access is easy access, so the balance is not tied to a fixed term. The headline rate on that money is 3.5%, a variable rate rather than a fixed one.
Does SUNU Bank Togo lend, and at what rate?+
It is a direct lender, so loans come straight from the bank rather than through a broker. Its borrowing covers personal, secured, car and student loans, priced at 6.95% on a fixed rate basis, with terms of up to 10.
What kind of card is it and who is it aimed at?+
It issues a debit card on the visa network, aimed at travel spending. Card use draws on the account balance, and only 10.8% of the listings carry a revolving credit line, so this is an everyday spending card.
Where is the bank based and who can open an account?+
The bank trades as SUNU Bank Togo SA in Togo. The savings account, the debit card and the fixed rate borrowing described are offered to customers in that market rather than across Europe, so readers elsewhere are weighing a different set of accounts.
How does the monthly fee compare with bunq, Varo and Wise?+
Keeping the card here costs XOF 750 a month. bunq charges €0, Wise charges £0 and the Varo Believe Secured Credit Card charges $0, which makes this the costliest of the four to hold.
What support do I get?+
Help is offered over phone, email and help centre, covering phone, email and a help centre. The same channels handle card questions, savings balances and loan enquiries, so one set of contacts covers the whole relationship.
Sources
- sunubank.tg/fr/contacts checked September 26, 2026
Backs: Support channels
“Telephone (+228) 22 53 47 00; Email togo.bank@sunu-group.com; FAQ section in site footer”
- sunubank.tg/fr/mentions-legales checked September 26, 2026
Backs: Headquarters, Legal entity
“Head office: Immeuble SUNU Bank Togo, 23 Avenue Kleber Dadjo, Lome 01”
- sunubank.tg/fr/nos-cartes checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Univers - 750 Fcfa/mois - Carte GIM UEMOA”
- sunubank.tg/fr/particuliers/offres/4/comptes-bancaires/81... checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit, Rate type
“If you need to set money aside for a project or for unforeseen expenses, opt for the Compte Epargne of SUNU Bank Togo”
- sunubank.tg/fr/particuliers/offres/9/financements-bancaires checked September 26, 2026
Backs: Lender type, Loan types
- sunubank.tg/fr/particuliers/offres/9/financements-bancair... checked September 26, 2026
Backs: APR, Pricing model, Term
“Taux : 6,95%”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
SUNU Bank Togo
Customers in TG wanting savings, a debit card and personal loans from one bank.