Dashen Bank

Commercial bank

Prices published

Not disclosed

Price categories

Tariff date in research profile

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Research snapshot. Prices were collected from public sources on 14 Meskerem 2019 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 →

Provider website Tariff page Financials

Sharik (interest-free banking)

Deposits

22 tariff records

22 of 22 records

			Source
General Current AccountInterest rate	0.0% a year	No interest	Source
Fixed Time DepositInterest rate	Not disclosed	Minimum 6 months — Negotiable per tariff; simple interest paid monthly	Source
Fixed Time DepositMinimum deposit	ETB 1,000,000.00 (limit or threshold)	—	Source
General SavingInterest rate	7.0% a year	Also 7%: Hybrid; Student; Tiret; Provident Fund; Saving Plus Possibly outdated: undated 7% value. NBE/INT/13/2026 removed the deposit-rate floor effective 2026-01-09; bank-specific current applicability requires confirmation.	Source
General SavingMinimum opening balance	ETB 25.00	Monthly compounding on minimum monthly balance	Source
Premium SavingInterest rate	7.0%–8.0% a year	Progressive above ETB 100000 — Minimum opening ETB 1000 Possibly outdated: undated 7% value. NBE/INT/13/2026 removed the deposit-rate floor effective 2026-01-09; bank-specific current applicability requires confirmation.	Source
Women SavingInterest rate	7.2%–8.0% a year	Women 18+; progressive with balance — Minimum opening ETB 50	Source
Goal SavingInterest rate	7.2%–8.0% a year	—	Source
Ekub SavingInterest rate	7.2%–9.0% a year	—	Source
Modified Youth SavingInterest rate	7.2% a year	Special Youth Account minimum ETB 25; bonus if balance >=500 and no withdrawal 12 months	Source
Investment SavingInterest rate	9.0% a year	Up to	Source
FX General SavingInterest rate	14.0% a year	Up to	Source
Hawala SavingInterest rate	14.0% a year	Up to — For remittance recipients	Source
Interest Plus Bonus AccountInterest rate	7.0%–9.0% a year	Minimum opening ETB 500000 — 7% interest plus 2% annual bonus Possibly outdated: undated 7% value. NBE/INT/13/2026 removed the deposit-rate floor effective 2026-01-09; bank-specific current applicability requires confirmation.	Source
Saving Plus AccountInterest rate	7.0% a year	Min ETB 50000 held 1 year for loan access — Consumer loan up to 140% of deposit Possibly outdated: undated 7% value. NBE/INT/13/2026 removed the deposit-rate floor effective 2026-01-09; bank-specific current applicability requires confirmation.	Source
Hybrid AccountBelow-minimum balance fee	ETB 25.00 · (ETB per month)	Balance below ETB 10000 — Minimum ETB 10000; ETB 20 per withdrawal beyond 6 per month; interest 7%	Source
Student AccountMinimum opening balance	ETB 100.00	Interest 7%	Source
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

28 tariff records

28 of 28 records

			Source
ECX warehouse receipt financingInterest rate	15.8%–17.8% a year	<30 days — Gold export financing (<=180 days) 11%	Source
Student LoanMaximum financing	90.00% (limit or threshold) · (% of amount)	Up to 5 yrs incl. 6-month grace — Minimum 10% student contribution	Source
Export term loanInterest rate	9.0%–15.0% a year	By FCY generation ratio (cash collateral) — <=25% FCY: 15%; 100% FCY: 12%; 200% FCY: 9%; tariff range 9-16.5%	Source
Pre-shipment export facilityInterest rate	13.0%–13.5% a year	<=180 days — Post-shipment (6-12m) 20.5%; LCY settlement 21-22%	Source
Import bill advanceInterest rate	22.0% a year	<=90 days	Source
Consumer loanProcessing fee	ETB 1,000.00	Plus appraisal fee 1% of approved loan minus processing fee	Source
Business loanProcessing fee	ETB 3,000.00	Plus appraisal fee 0.75% of approved amount minus fees	Source
Unutilized overdraft facilityCommitment fee	1.00% per 365 days	Per annum	Source
Revolving credit renewalRenewal fee	0.25%–0.50% of amount	0.5% if credit <=5M; 0.25% if >5M	Source
Loan renegotiation / grace period extensionFee	0.25%–1.00% of amount	Renegotiation 1%; grace extension 0.25% (1st) / 1% (2nd+)	Source
Collateral registrationFee	ETB 1,000.00	Change/release collateral ETB 5000; re-estimation ETB 2000; credit report ETB 2000 (loans <5M)	Source
Collateral estimation (residential building)Fee	ETB 1,000.00	Plus ETB 250 per floor — Commercial ETB 2000 + 500/floor; vehicle ETB 500-1000; factory plant ETB 5000	Source
Stamp dutyStamp duty at disbursement	1.00% of amount	—	Source
Term loan tenor marginMargin added to base rate	0.0%–3.3% a year	Monthly repayment 0% (<=12m) to 2.25% (>108m); annual repayment 1% to 3.25%	Source
Non-export merchandise loanInterest rate	18.3% a year	90-180 days	Source
Mortgage LoanMaximum financing	90.00% (limit or threshold) · (% of amount)	Up to 20 years — Rate per consumer loan grid	Source
Non-export overdraftInterest rate	15.8%–19.5% a year	DIR+3.25; by sector and collateral — Agri/edu/hotel/mfg 15.75-17.75%; trade/import 17.25-19.25%; construction/mining 17.5-19.5%	Source
Export overdraftInterest rate	9.8%–15.8% a year	By FCY generation ratio	Source
Temporary overdraft / overdrawalInterest rate	22.0% a year	—	Source
Consumer loan (LCY deposit and repayment)Interest rate	13.8%–22.0% a year	By deposit ratio and tenure — 5% deposit: 17.75% (<=5 yrs) to 22% (20+ yrs); 50%: 15.75-20%; 100%: 13.75-18%	Source
Consumer loan (FCY deposit and repayment)Interest rate	7.8%–16.0% a year	By deposit ratio and tenure — 5% deposit: 15-16%; 100% deposit: 7.75-8.75%	Source
Consumer loan (FCY deposit; LCY repayment)Interest rate	10.8%–18.0% a year	By deposit ratio and tenure — 5% deposit: 17-18%; 100% deposit: 10.75-11.75%	Source
Personal LoanMaximum loan amount	ETB 500,000.00 (limit or threshold)	Rate per consumer loan grid	Source
Project loan with FCY/LCY contributionInterest rate	12.0%–17.0% a year	40-50% down payment: 13-17%; >=50%: 12-17% — 10-year tenor	Source
Non-export term loan (agriculture/education/hotel/manufacturing)Interest rate	15.0%–19.8% a year	DIR+3 base; by collateral type — 15% cash collateral; 16.5% CE; higher for other collateral; tenor margin 0-3.25% added	Source

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Interest-free products

5 tariff records

5 of 5 records

			Source
Mudarabah Investment AccountProfit-sharing ratio (bank:customer)	Profit share: customer 40% · Profit is not guaranteed	6-24 months — Minimum 40:60 (bank:customer) with progressive weightage; min investment ETB 50000	Source
Murabaha business financing (non-export)Total profit markup	7.00%–149.00% of amount	1-10 years by sector/collateral/payment frequency — e.g. agriculture cash collateral 7% (1yr) to 83% (10yr) Possibly outdated: undated 7% value. NBE/INT/13/2026 removed the deposit-rate floor effective 2026-01-09; bank-specific current applicability requires confirmation.	Source
Consumer Murabaha (mortgage/auto)Total profit markup	9.50%–119.00% of amount	>=70% equity; 1 yr 9.5%; 5 yrs 36.5%; 15 yrs 119%	Source
Household items MurabahaTotal profit markup	11.00%–52.50% of amount	1 yr 11%; 5 yrs 52.5%	Source
Sharik Tijarah working capitalProfit markup	6.00% of amount	<=180 days — Export pre-shipment Murabaha 8.5-9.5%	Source

Domestic payments

6 tariff records

6 of 6 records

			Source
Bulk salary paymentFee per account	ETB 3.00	Pension payments exempt	Source
Bank-to-bank transfer (outgoing)Transfer fee	ETB 50.00	—	Source
EthSwitch digital interbank / instant paymentTransfer fee	Prices vary by published conditions · <=5000: 0.40%; 5001-25000: 0.24%; 25001-100000: 0.16%; 100001-1M: 0.08%; >1M: 0.04%	<=5000: 0.40%; 5001-25000: 0.24%; 25001-100000: 0.16%; 100001-1M: 0.08%; >1M: 0.04%	Source
Branch transfer to other Dashen customerTransfer fee	ETB 0.00 / ETB 10.00 / ETB 15.00 / ETB 50.00 by amountUp to ETB 5,000.00: Free; ETB 5,001.00–ETB 25,000.00: ETB 10.00; ETB 25,001.00–ETB 500,000.00: ETB 15.00; Above ETB 500,000.00: ETB 50.00	<=5000 free; 5001-25000: 10; 25001-500000: 15; >500000: 50 — Own account transfer and cash withdrawal free	Source
RTGS / special cheque / CPO clearanceTransfer fee	ETB 120.00	Incoming special cheque ETB 75	Source
Standing instructionFee	ETB 50.00	Own bank — Other bank: ETB 50 plus RTGS fee	Source

Digital banking

4 tariff records

4 of 4 records

			Source
Mobile banking bill payments (Ethiopian Airlines / DSTV / Derash)Payment fee	Prices vary by published conditions · Ethiopian Airlines 0.5%; DSTV ETB 7; Derash tax ETB 100; Derash water ETB 2-75	Ethiopian Airlines 0.5%; DSTV ETB 7; Derash tax ETB 100; Derash water ETB 2-75	Source
Digital cheque purchaseFee	ETB 10.00	—	Source
Dashen Mobile Plus - intra-bank transfer / statement / airtime / utilityService fee	Free	School fees and Ethio-Telecom/Safaricom payments also free	Source
Transfer to telebirr / M-Pesa walletTransfer fee	ETB 5.00 / ETB 10.00 / ETB 15.00 by amountETB 1.00–ETB 5,000.00: ETB 5.00; ETB 5,001.00–ETB 15,000.00: ETB 10.00; Above ETB 15,000.00: ETB 15.00	1-5000: 5; 5001-15000: 10; >15000: 15 — Telebirr agent deposit ETB 10; M-Pesa agent deposit free	Source

Cards & ATM

6 tariff records

6 of 6 records

			Source
ATM withdrawal (local cards)Withdrawal fee	0.35% of amount	Per transaction — Balance inquiry and mini statement free	Source
ATM withdrawal (international cards)Withdrawal fee	USD 0.03–USD 2.00	Mastercard prepaid USD 0.03; Amex international USD 2	Source
Local debit card (Visa/Amex Green/Dashen/An-Nisa/Sharik)Joining fee	ETB 70.00	—	Source
Local debit cardReplacement fee	ETB 100.00	Lost/damaged/expired	Source
Local debit cardAnnual subscription	ETB 25.00–ETB 100.00 · (ETB per year)	Local cards 25; Amex Gold 100 — An-Nisa and Sharik cards exempt; additional account linking ETB 25	Source
Mastercard international prepaid / Amex international debitIssuance / replacement fee	ETB 500.00	No annual fee	Source

Cheque services

5 tariff records

5 of 5 records

			Source
Cheque returned unpaidPenalty	Prices vary by published conditions · 1st: ETB 100 + warning; 2nd: 3% (max 25000); 3rd+: 5% (max 50000)	1st: ETB 100 + warning; 2nd: 3% (max 25000); 3rd+: 5% (max 50000)	Source
CPO issuance (account holder)CPO fee	ETB 150.00 / ETB 300.00 by amountUp to ETB 250,000.00: ETB 150.00; Above ETB 250,000.00: ETB 300.00	<=250000: 150; >250000: 300 — Walk-in: 500 / 1000; replacement 200 (account) / 400 (walk-in); cancellation 150 / 300	Source
CPO issuance (walk-in)CPO fee	ETB 500.00 / ETB 1,000.00 by amountUp to ETB 250,000.00: ETB 500.00; Above ETB 250,000.00: ETB 1,000.00	<=250000: 500; >250000: 1000	Source
Cheque bookCheque book fee	Prices vary by published conditions · 10 leaves: 50; 25: 80; 50: 200; 100: 300	10 leaves: 50; 25: 80; 50: 200; 100: 300	Source
Stop payment orderStop payment fee	ETB 200.00	Per order	Source

Account services

4 tariff records

4 of 4 records

			Source
Account closure before 6 monthsClosure fee	ETB 50.00	Passbook replacement ETB 50; signature change ETB 50	Source
Balance confirmationFee	ETB 100.00–ETB 250.00	Local 100; abroad 250 (plus courier)	Source
Daily cash withdrawal above NBE limitPermit fee	ETB 500.00	—	Source
Duplicate statementStatement fee	ETB 25.00–ETB 50.00	<12 months: 25; >12 months: 50	Source

Trade finance

8 tariff records

8 of 8 records

			Source
Inward bills collection / CAD (on PO approval)Commission	2.00%–4.00% per 90 days · Bounds need source review	Per 90 days — Min USD 250; SWIFT USD 150 on document presentation	Source
Export documentary collectionDocument examination fee	USD 75.00–USD 100.00	SWIFT USD 75; non-complying presentation USD 100	Source
Indirect incoming foreign guaranteeCommission	Prices vary by published conditions · Per 90 days — USD 1-50k 0.70% (min 50); 50k-500k 0.60% (min 360); 500k-1M 0.45% (min 2475); >1M 0.35% (min 3600); cancellation USD 200; SWIFT USD 35	Per 90 days — USD 1-50k 0.70% (min 50); 50k-500k 0.60% (min 360); 500k-1M 0.45% (min 2475); >1M 0.35% (min 3600); cancellation USD 200; SWIFT USD 35	Source
Local guarantee (acceptance/short-term)Commission	1.00%–1.25% of amount · minimum ETB 1,000.00	3-month B/I guarantee 1%; acceptance guarantee 1.25%; short-term 1%; min ETB 1000	Source
Import permit extensionFee	ETB 3,000.00	—	Source
Import LC openingService charge	2.00%–4.00% per 90 days · Bounds need source review	Per 90 days — 4% LCY account; 3% exporter retention; 2% FDI; min USD 250; plus 2.5% exchange payable to NBE and SWIFT USD 150	Source
Import LC extension (before expiry)Commission	1.00%–2.00% of amount	2% LCY; 1.5% retention; 1% FDI; amendment-only SWIFT USD 150	Source
Export LC confirmationCommission	0.25%–0.50% per 90 days · minimum USD 125.00	Per 90 days — Min USD 125; advising free (Dashen) or ETB 1500 (other banks)	Source

Research notes

Mobile apps: Dashen SuperApp (Jan 2025) · Dashen Mobile Plus

Founded 20 Sep 1995; ~900 branches (2024). Most complete tariff in this batch: deposit rates by product, full lending-rate grid (DIR-based), credit fees, domestic, digital, card, trade finance, guarantees and Sharik Murabaha grids. Tariff page undated. SuperApp launched Jan 2025 as chat-based banking. Amole wallet not referenced in fetched tariff. SWIFT/USSD not verified. | 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

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