Prices published
57
Not disclosed
11
Price categories
11
Tariff date in research profile
Research snapshot. Prices were collected from public sources on and are not confirmed by the institutions. Records include historical, proposed and unconfirmed prices; only current records with reviewed terms enter calculations. Check with the provider before you decide. How we compare →
Deposits
9 tariff records
9 of 9 records
| Source | |||
|---|---|---|---|
| Ordinary Demand Deposit AccountMinimum opening balance | ETB 500.00–ETB 1,000.00 | Individuals/traders 500; organizations 1000 — Non-interest bearing; Special Demand Deposit pays interest below NBE saving minimum | |
| Fixed Time DepositMinimum deposit | ETB 500,000.00 (limit or threshold) | Negotiable rate varying by duration; certificate of deposit issued | |
| Regular Saving AccountMinimum opening balance | ETB 50.00 | Can open with zero balance if ETB 25 deposited within one month; linkable to COOPay-Ebirr | |
| Gamme-Junior / Special / Gudunfa / Farmers' SavingsInterest rate | Not disclosed | Products listed on official site | |
| Time deposit rateTime deposit rate | Not disclosed | 3 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule. | Source Medium confidence |
| Time deposit rateTime deposit rate | Not disclosed | 6 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule. | Source Medium confidence |
| Time deposit rateTime deposit rate | Not disclosed | 12 months — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule. | Source Medium confidence |
| Time deposit rateTime deposit rate | Not disclosed | 24 months or longer — Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. A negotiated rate is not a published numerical term schedule. | Source Medium confidence |
| Current ordinary savings rate confirmationCurrent ordinary savings rate confirmation | Not disclosed | Reviewed 2026-09-24 after NBE/INT/13/2026. No dated post-directive numerical quote verified for this term. Not disclosed is a research gap, not a zero rate or proof the product is offered. Undated legacy quotes elsewhere are not confirmation of current pricing. | Source Medium confidence |
Loans
30 tariff records
30 of 30 records
| Source | |||
|---|---|---|---|
| Michu GuyaLoan amount | ETB 2,000.00–ETB 15,000.00 (limit or threshold) | 14 days — 5% access/facility fee + 5% interest; no business licence needed | |
| Michu GuyaInterest + facility fee | 10.00% per 14 days | Per 14-day loan — 5% facility fee plus 5% interest | |
| Michu Kiyya Informal (women)Interest rate | 3.75% per 14 days | Per 14 days; loan ETB 3000-5000 | |
| Michu Kiyya Formal (women)Interest rate | 3.75% per 30 days | Per month; loan ETB 10000-75000; 30 days | |
| Michu WabiInterest rate | 6.50%–7.50% per 30 days | Per month; loan ETB 50000-300000; 30-90 days — Plus 2% access fee | |
| Import term loanInterest rate | 18.0%–21.8% a year | By tenor band | |
| Renegotiation (refinancing/rescheduling/restructuring)Fee | 0.05% of amount · minimum ETB 2,500.00 | Minimum ETB 2500 | Source Medium confidence |
| Special mention loanPenalty fee | 2.50% of amount | Early settlement fee exists but extracted text illegible | Source Medium confidence |
| Collateral estimation - motor vehicleFee | ETB 2,500.00 | Per vehicle — Residential ETB 1000 + 600 per unit; commercial ETB 1800 + 600 per unit; coffee/farm site ETB 5000 | Source Medium confidence |
| Diaspora mortgage loanInterest rate | Savings rate + 2.5%–7.0% | Up to 28 years — By equity threshold; PDF OCR partly illegible; aggregator lists 8.5% | Source Medium confidence |
| Non-staff personal / mortgage loanInterest rate | 21.0%–22.0% a year | By tenor band | |
| Export term loanInterest rate | 17.8%–19.0% a year | 0-12 months to 60+ months — Revised terms and tariffs (private banking) | |
| Manufacturing (non-export) loanInterest rate | 18.0%–21.0% a year | By tenor band | |
| Domestic trade loanInterest rate | 18.3%–21.0% a year | By tenor band | |
| Construction / real estate / machinery purchase loanInterest rate | 19.5%–22.0% a year | By tenor band | |
| Hotel & tourism loanInterest rate | 18.5%–21.0% a year | By tenor band | |
| Transport loanInterest rate | 19.0%–21.0% a year | By tenor band | |
| Health & education loanInterest rate | 18.3%–20.0% a year | By tenor band | |
| Diaspora investment / working capital loanInterest rate | Savings rate + 3.5%–6.5% | Investment by equity band; working capital 5 yrs +5.5% — OCR of equity/tenor labels ambiguous | Source Medium confidence |
| Non-staff vehicle loanInterest rate | 22.0% a year | All tenors | |
| Diaspora brand-new non-commercial car loanInterest rate | Savings rate + 2.8%–6.8% | Up to 10 years — Saving rate +6.75% (20% equity); +5.75% (30%); +5% (40%); +3.75% (50%); +2.75% (>50%) | Source Medium confidence |
| Diaspora commercial vehicle loanInterest rate | Savings rate + 4.0%–6.5% | 5 years — Saving rate +6.5% (35% equity); +5.5% (45%); +4.75% (55%); +4% (>55%) | Source Medium confidence |
| Loans to microfinance institutionsInterest rate | 16.0%–19.0% a year | By tenor band | |
| Loan processing feeLoan processing fee | ETB 5,000.00 | Less than ETB 1,000,000 — PDF page 2. Rendered official scan checked; document cover October 2025, upload November 2025. Interior inequalities are malformed in original; exact boundary applicability requires confirmation. 75% belongs to appeal processing, not a loan principal tier. | Source Medium confidence |
| Loan processing feeLoan processing fee | ETB 10,000.00 | Printed: 1,000,000 > X < 5,000,000 — PDF page 2. Rendered official scan checked; document cover October 2025, upload November 2025. Interior inequalities are malformed in original; exact boundary applicability requires confirmation. 75% belongs to appeal processing, not a loan principal tier. | Source Unverified |
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Interest-free products
5 tariff records
5 of 5 records
| Source | |||
|---|---|---|---|
| Mudarabah savings (ordinary / Siinqee women / Dargaggoo youth / Labbaik / Gudunfaa / cooperatives) and investment depositsProfit-sharing ratio | Not disclosed | Investment deposits 3-24+ months — Ratios not published | |
| Coopbank Alhuda Murabaha financingTotal profit markup | 11.07%–134.32% of amount | 1-10 years by sector and repayment frequency — e.g. agriculture 1yr quarterly 11.07%; manufacturing 3yr 32.48%; domestic trade 5yr 65.88%; construction 10yr 134.32% | Source Medium confidence |
| Murabaha revolving pre-shipment export financingProfit rate | 8.10%–10.30% of amount | — | Source Medium confidence |
| Consumer Murabaha (non-staff)Total profit markup | 11.00%–115.00% of amount | By duration and product — Approximate range per extracted text | Source Medium confidence |
| Wadiah saving / current / Labbaik / Gaammee Junior / ECX WadiahReturn | Not disclosed | 100% capital guarantee; no return |
Domestic payments
4 tariff records
4 of 4 records
| Source | |||
|---|---|---|---|
| Bulk transfer / salary paymentFee per person | ETB 0.75 | — | |
| Branch account-to-account transferTransfer fee | ETB 10.00 / ETB 15.00 / ETB 25.00 by amountETB 1.00–ETB 10,000.00: ETB 10.00; ETB 10,001.00–ETB 100,000.00: ETB 15.00; Above ETB 100,000.00: ETB 25.00 | 1-10000: 10; 10001-100000: 15; >100000: 25 — Own account (same customer ID) free | |
| Outgoing RTGSTransfer fee | ETB 150.00 | Up to ETB 1000000 — Plus NBE charge; incoming RTGS free | |
| Standing order to other bankFee | ETB 100.00 | Plus RTGS fee |
Digital banking
3 tariff records
3 of 3 records
| Source | |||
|---|---|---|---|
| CoopApp mobile bankingSubscription / maintenance fee | Free | Top-up; school fee; EEU utility; merchant payment free; airline ticket 0.15%; traffic penalty (<1500) ETB 3 | |
| COOPay-Ebirr P2P transferTransfer fee | 0.25% / ETB 6.00 / ETB 7.00 / ETB 10.00 / ETB 15.00 by amountUp to ETB 1,000.00: 0.25% of amount; ETB 1,001.00–ETB 5,000.00: ETB 6.00; ETB 5,001.00–ETB 10,000.00: ETB 7.00; ETB 10,000.00–ETB 20,000.00: ETB 10.00; Above ETB 20,000.00: ETB 15.00 | <1000: 0.25%; 1001-5000: 6; 5001-10000: 7; 10000-20000: 10; >20000: 15 — USSD *841# | |
| Michu Kiya unsecured loan maximumMichu Kiya unsecured loan maximum | ETB 75,000.00 (limit or threshold) | Up to ETB75,000; women-focused offer — Maximum loan amount, not rate. Eligibility applies; rate not stated. | Source Medium confidence |
Cards & ATM
4 tariff records
4 of 4 records
| Source | |||
|---|---|---|---|
| ATM cash withdrawal on-usWithdrawal fee | Not disclosed | Tariff lists value 0.45 without unit in extracted text (likely % of amount or ETB) Rendered scan confirms 0.45 on-us and 0.5 off-us but gives no percent/ETB unit. Remains unresolved; adjacent POS table explicitly has percent symbols. | Source Medium confidence |
| ATM cash withdrawal off-usWithdrawal fee | Not disclosed | Tariff lists value 0.5 without unit; balance inquiry and mini statement also 0.5 Rendered scan confirms 0.45 on-us and 0.5 off-us but gives no percent/ETB unit. Remains unresolved; adjacent POS table explicitly has percent symbols. | Source Medium confidence |
| Debit cardIssuance fee | ETB 120.00–ETB 150.00 | Standard 120; instant card 150 — Replacement ETB 120; additional card link ETB 120; annual subscription free | |
| Debit cardPIN issuance / replacement | ETB 25.00 | — |
International remittance
1 tariff records
1 of 1 records
| Source | |||
|---|---|---|---|
| International money transfer (inward)Remittance fee | Free | Website: zero-fee remittance service |
Foreign exchange
1 tariff records
Cheque services
4 tariff records
4 of 4 records
| Source | |||
|---|---|---|---|
| Bounced cheque finePenalty | 3.00% of amount · maximum ETB 25,000.00 | Max ETB 25000 | |
| CPO issued against accountCPO commission | ETB 100.00 | Cancellation ETB 150; replacement ETB 300 | |
| Cheque bookCheque book fee | Not disclosed | 50 and 100 leaves — Price not legible in extracted PDF text | Source Medium confidence |
| Stop payment (lost cheque)Stop payment fee | ETB 300.00 | Per cheque — Cheque clearance ETB 50 per cheque |
Account services
5 tariff records
5 of 5 records
Research notes
- Mobile apps
- CoopApp · CoopApp Alhuda · COOPay-Ebirr · Michu
- USSD
- *841# (COOPay-Ebirr)
Founded March 2005. 753+ branches; 15.6M+ customers; deposits ETB 175.2bn (Sep 2025) (aggregator). Revised Terms and Tariffs effective Oct 2025 published as 9 PDFs (domestic, digital, credit, diaspora, IFB, agriculture, cooperatives, institutional). Michu digital MSME lending (with Kifiya): Guya/Kiyya/Wabi products; ETB 38bn+ disbursed. Fixed deposit minimum ETB 500000 at negotiable rate. Some PDF text is OCR-garbled (flagged in rows). | Social review: five platform URLs populated; inherited versus newly cross-linked provenance in Social_Coverage.md. Public2025-26post search is bounded, not exhaustive.
Provider sources
- coopbankoromia.com.et
- coopbankoromia.com.et/terms-and-tariffs/
- facebook.com/cooperativebankoforomia
- t.me/coopbankoromia
- linkedin.com/company/cooperative-bank-of-oromia
- x.com/coopbankoromia
- youtube.com/c/CoopbankoromiaEthio
- coopbankoromia.com.et/wp-content/uploads/2025/11/5.-Domestic-ervice-Charges.pdf
- coopbankoromia.com.et/wp-content/uploads/2025/11/7-Digital-Banking-ervice-Charges.pdf
- coopbankoromia.com.et/wp-content/uploads/2025/11/Other-Credit-Related-ervire-Charges.pdf
- coopbankoromia.com.et/wp-content/uploads/2025/11/IFB-Terms-and-Tariffs-2.pdf
- coopbankoromia.com.et/wp-content/uploads/2025/11/Credit-Terms-and-Tariffs-for-Diaspora.pdf
- coopbankoromia.com.et/michu/
- coopbankoromia.com.et/coopay-ebirr/
- banksethiopia.com/banks/cooperative-bank-of-oromia/
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