Frequently Asked Questions

Visit any ACB branch with your National ID or passport and a passport photo. Account opening takes approximately 10 minutes. You can also contact us online or by phone first to ask any questions before your visit.

ACB serves individuals, solidarity groups, small businesses, churches, schools, cooperatives, and NGOs. Most products require you to be 18 years or older, or have a parent / guardian co-sign for minors.

Yes. ISANGE is ACB's core current account and is the gateway to all other products (MPEJO savings, HUNIKA term deposits, and most loan products). Opening an ISANGE account is quick — around 10 minutes at any branch.

You can begin the process online or by phone and our team will guide you. However, you will need to visit a branch in person at least once to verify your identity documents and complete the account opening formalities.

All ACB branches are open Monday to Friday, 8:00 AM – 5:00 PM. Some branches may offer limited Saturday hours — please call your nearest branch to confirm before visiting.

Fees depend on the account type. ISANGE account fee details are in ACB's published tariff schedule. You can download the current tariff from the Tariffs & Downloads page or request a copy at any branch.

ACB offers three main savings products: ISANGE (current/demand deposit), MPEJO (regular interest-bearing savings), and HUNIKA (term deposit for lump-sum placements).

ISANGE is ACB's demand deposit (current) account suitable for personal and professional use. It is extremely flexible — you can deposit and withdraw at any time — and it is the foundation account required for other ACB products.

MPEJO is an interest-bearing savings account designed for clients who want to save regularly. It requires an existing ISANGE account, a minimum savings period of at least 6 months, and regular contributions (daily, weekly, or monthly depending on your plan).

HUNIKA is a certificate-based term deposit account for clients who want to place a lump sum for a fixed period and earn interest. An active ISANGE account is required. Minimum amounts and current interest rates are available at any branch.

The ISANGE current account has no mandatory minimum balance requirement. Always confirm the latest schedule with your branch as conditions may be updated in the published tariff.

MPEJO is designed for at least a 6-month savings horizon. Early withdrawal conditions and any applicable penalties are set out in the account agreement — please discuss this with a branch officer at opening.

ACB offers: KAZE (solidarity group loans), CURUZA (trader/business), EZUKAME (agricultural), HEMBWA (employee), Kingdom Loans (church institutions), School Credit (private schools), and ACB Staff Credit (internal). Each is tailored to a specific client group.

KAZE is a solidarity group credit product for low-income clients who may not have traditional collateral. Groups of 3–10 members can access RWF 10,000 – 500,000 with terms of 1–12 months. Group members guarantee each other.

Yes. The KAZE solidarity group loan does not require individual collateral — the group itself acts as guarantor. Some other products may also have flexible collateral requirements. Visit a branch to discuss options.

HEMBWA is designed for salaried employees whose salaries are paid through ACB. Loan amounts can reach up to 1–10 times your net monthly salary, with terms from 1 to 36 months.

Yes. ACB's Kingdom Loan suite — including Ganza Kingdom, Kingdom Shepherd, Kingdom Choir, New Generation Kingdom, and Kingdom Group — is purpose-built for churches, choirs, and Christian organisations.

Yes. The School Credit product is available to private and independent schools that need to fund infrastructure upgrades such as classrooms, laboratories, school buses, playgrounds, and equipment.

Yes. EZUKAME is ACB's agricultural credit product, covering farming and animal husbandry activities across the value chain. Terms range from 1 to 36 months with cooperative-friendly structures.

CURUZA is designed for traders and small business owners seeking working capital or growth financing. Eligibility, amounts, and interest rates are discussed in detail at branch level based on your business activity.

Loan processing times vary by product and loan size. ACB is committed to fast turnaround — speak to your branch manager for the specific timeline for your loan application.

ACB provides three digital channels: SMS Banking (balance and account updates, launched January 2017), Mobile Banking via MTN MoMo (*182#), and an international Money Transfer service through ACB's representation network in Rwanda.

Dial *182# → Banking Services (*4#) → Transfer/Save → Other Banks (*11#) → Amasezerano (*1#) → enter your MoMo PIN → Link Account (*2#). You can also do this in Kinyarwanda by pressing *2# after dialling *182#. Branch staff can assist with registration on the same day if needed.

Via MTN MoMo: dial *182# → My Account → Balance. Via SMS Banking: contact any ACB branch to be enrolled and receive your SMS banking access.

Yes. ACB provides international money transfer services — both sending and receiving — through its money transfer representation in Rwanda. Visit any branch for partner details and applicable fees.

Visit any ACB branch and ask to be enrolled in SMS Banking. Registration is completed on the same day. You will then receive account alerts and can request balance information by SMS.

Currently, account opening and loan applications require an in-branch visit. You can use the Contact / Apply page on our website to submit a request and our team will contact you to guide the next steps.

ACB currently operates 7 service points: Head Office / Kicukiro, Town Branch (Kigali CBD), Bugesera, Rubavu, Rusizi, Nyabugogo, and Gicumbi. Locations and contact details are available on the Branches & Contacts page.

The head office is at CPR-Unity House, KK21 Ave, Niboyi, Kicukiro, Kigali. You can call the main lines on 0788 532 850 / 0788 387 023 or email amasezerano@acb.rw.

Yes. Core services — account opening, deposits, withdrawals, loan applications, and digital banking registration — are available at all ACB branches. For specialised products, a branch officer may involve the head office team.

Each branch has a dedicated manager and contact details listed on the Branches & Contacts page. You can email the branch manager directly or call the branch number provided.

Use ACB's dedicated Report an Issue page on this website, visit any branch in person (complaint acknowledged immediately), call 0788 532 850, or email amasezerano@acb.rw. All complaints submitted via website/email are acknowledged within 1 business day.

Branch walk-in: acknowledged immediately. Phone / WhatsApp: same day. Email or online form: within 1 business day. ACB is committed to resolving complaints fairly and promptly.

ACB's published service standard for a loan clearance certificate is 3 hours from the time your loan is fully settled and documentation confirmed.

Passbook issuance is completed on the same day, per ACB's published service turnaround standards.

If your complaint is not resolved to your satisfaction, you may escalate it to the National Bank of Rwanda (BNR), which is ACB's licensing and supervisory authority. ACB is committed to fair and transparent complaint handling.

Amasezerano Community Banking PLC was registered on 20 July 2006 and started operations on 21 August 2006, with an initial share capital of RWF 130,000,000.

'Amasezerano' means 'Covenant' in Kinyarwanda, reflecting ACB's founding commitment as a Christian financial institution to serve communities with integrity and accountability.

Yes. ACB is licensed and supervised by the National Bank of Rwanda (BNR). Our Tier 1 Capital Adequacy Ratio stands at 14.6%, well above the 10% BNR minimum, and our NPL (non-performing loan) ratio is just 1%.

To bring holistic transformation into the community through quality financial services — expanding access to savings, credit, and digital banking for individuals, groups, and institutions across Rwanda.

Quality Service, Transparency, Integrity, and Accountability — these four values guide every interaction between ACB staff and the communities they serve.

Yes. ACB was founded on Christian values and operates with a faith-informed mission. It serves clients of all backgrounds, but its founding principles and some specialised products (Kingdom Loans) are rooted in Christian community development.