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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 is a direct lender whose savings account pays a headline rate of 3.5%, ahead of Wise at 3.29% and bunq at 3.01%. It suits savers in Togo with a steady income who want to bank in branch or online and borrow from the same bank.

Key facts

Best for
A 3.5% easy-access savings account and 6.95% APR lending from a local bank in Togo.
Headline rate
3.5%↗
Rate type
Fixed↗
Term
84 months↗
Minimum deposit
F CFA 10,000 to F CFA 15,000↗
Access terms
Account opening free of charge, in branch or online↗
Account kind
Easy access↗
Legal entity
SUNU Bank Togo SA↗
Headquarters
Togo↗
Founded
2018↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
sunubank.tg

Loans

APR
6.95%↗
Funding time
Available within 7 days maximum for a complete file↗
Lender type
Direct lender↗
Eligibility
Conditions depend on the type of loan, its duration, the borrower's quotite cessible and income; visit a branch for details↗
Loan types
Personal, Student, Car, Business, Secured↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
facebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • The easy-access account pays a headline rate of 3.5%, above the site median 3%.
  • Lending is priced at an APR of 6.95%, well under the site median 15.5%.
  • Access is simple, since Account opening free of charge, in branch or online, so an account can start in branch or online.
  • Loan types cover personal, student and car lending, and the equipment loan runs to 84.

Cons

  • The easy-access account asks for a minimum balance of XOF 10,000 to XOF 15,000 to open.
  • Disbursement is Available within 7 days maximum for a complete file, so borrowed funds arrive on a timetable rather than straight away.
  • Eligibility conditions depend on the loan type, its duration, the borrower's quotite cessible and income, and a branch visit sets out the detail.
SUNU Bank Togo

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Savers in Togo who can hold a minimum balance of XOF 10,000 to XOF 15,000 and want an easy-access account at 3.5%.
  • Borrowers with a regular salary and a workable quotite cessible who want a 6.95% APR from a direct lender.
  • Customers who prefer support by email, phone and help centre and the option of opening an account in branch or online.

Who should look elsewhere

  • Rate hunters, since Finteres lists 0% to 36% against the 3.5% paid on the easy-access account here.
  • Readers who want a lower headline rate, with bunq at 3.01% and Wise at 3.29% to compare first.

How SUNU Bank Togo compares

Where SUNU Bank Togo is available

Available
Togo

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

Frequently asked questions

How much interest does the savings account pay?+

The easy-access account pays a headline rate of 3.5%, and the rate type is fixed, so the return does not track market moves. That sits above Wise at 3.29% and bunq at 3.01%, and above the site median 3%.

Is there a charge to open an account?+

Account opening is free of charge, in branch or online (Account opening free of charge, in branch or online). The savings account asks for a minimum balance of XOF 10,000 to XOF 15,000, which is the figure to check before you commit any savings to the account.

How quickly can I get a loan?+

Disbursement is Available within 7 days maximum for a complete file. Eligibility conditions depend on the loan type, its duration, the borrower's quotite cessible and income, and a branch visit is where that detail sits, since a complete file sets the timetable.

What rate and term do the loans come with?+

The Azanboko loan carries an APR of 6.95% on a fixed rate, and the equipment loan can run to 84. Disbursement on that equipment lending is Available within 7 days maximum for a complete file once the file is complete.

What can I borrow for?+

SUNU Bank Togo is a direct lender offering personal, student and car loans. Personal, student, car, business and secured cover most needs, and the savings account sits alongside the lending if you want both from a single bank.

How do I get help with the account?+

Support runs on email, phone and help centre, so questions can go by email, by phone or through the help centre. The legal entity you deal with is SUNU Bank Togo SA, and the account can be opened in branch.

How does SUNU Bank Togo rank on savings rates?+

It is based in Togo and ranks 189 of 488 brands compared on headline rate, with 3.5% paid here against the site median 3%. Across the site, easy-access rates run 0% to 101.5%.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

SUNU Bank Togo

SUNU Bank Togo

A 3.5% easy-access savings account and 6.95% APR lending from a local bank in Togo.

8.7/10See alternatives