Enat Bank

Commercial bank

Prices published

Not disclosed

Price categories

Tariff date in research profile

—

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

Yes - Ummi IFB (Mudarabah; Wadiah; Murabaha)

Deposits

7 tariff records

7 of 7 records

			Source
Fixed deposit optionsInterest rate	Not disclosed	—	Source
Enat Marefiya Deposit / Enat Belhat Savings / student and children accountsInterest rate	Not disclosed	Product names listed on website without pricing	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

6 tariff records

6 of 6 records

			Source
Loan restructuring/reschedulingRestructuring fee	0.50% of amount · maximum ETB 50,000.00 · (% of outstanding principal)	Maximum 50000 ETB	Source
Early settlement of term loansEarly repayment penalty	3.00% of amount · (% of outstanding balance)	—	Source
Malefiya digital lendingInterest rate / fees	Not disclosed	—	Source
Diaspora mortgage loanInterest rate	14.0% a year	Diaspora — Third-party aggregator figure	Source Unverified
Personal automobile loanInterest rate	14.5% a year	Third-party aggregator figure	Source Unverified
Women's special loansInterest rate	Not disclosed	Women entrepreneurs	Source

Interest-free products

1 tariff records

1 of 1 records

			Source
Ummi IFB (Mudarabah; Wadiah; Murabaha investment and working capital)Profit-sharing ratio / margin	Not disclosed	IFB window branded Ummi	Source

Domestic payments

5 tariff records

5 of 5 records

			Source
RTGS (other bank transfer) at branchRTGS fee	ETB 50.00	—	Source
Transfer to another Enat account by app/USSDTransfer to another Enat account by app/USSD	Free	Up to ETB 5,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to another Enat account by app/USSDTransfer to another Enat account by app/USSD	0.01% of amount	ETB 5,001-50,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to another Enat account by app/USSDTransfer to another Enat account by app/USSD	0.01% of amount	ETB 50,001-100,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to another Enat account by app/USSDTransfer to another Enat account by app/USSD	ETB 15.00	More than ETB 100,001; source leaves exact 100,001 unresolved — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence

Digital banking

9 tariff records

9 of 9 records

			Source
Transfer to other bank (EthSwitch)Interbank transfer fee	Prices vary by published conditions · <=5000: 0.40% ... 25001-100000: 0.16% — As per EthSwitch tariff	<=5000: 0.40% ... 25001-100000: 0.16% — As per EthSwitch tariff	Source
Mobile app / USSD / internet bankingMonthly subscription/maintenance fee	ETB 5.00 · (ETB per month)	Active users	Source
Transfer to own telebirr walletTransfer to own telebirr wallet	0.10% of amount	Up to ETB 5,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to own telebirr walletTransfer to own telebirr wallet	ETB 5.00	ETB 5,001-75,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to telebirr merchant/agentTransfer to telebirr merchant/agent	0.02% of amount	ETB 1-50,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to telebirr merchant/agentTransfer to telebirr merchant/agent	0.02% of amount	ETB 50,001-100,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to telebirr merchant/agentTransfer to telebirr merchant/agent	0.02% of amount	ETB 100,001-200,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to telebirr merchant/agentTransfer to telebirr merchant/agent	0.02% of amount	ETB 200,001-400,000 — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence
Transfer to telebirr merchant/agentTransfer to telebirr merchant/agent	ETB 100.00	More than ETB 400,001; source leaves exact 400,001 unresolved — Undated official schedule. Percent signs retained literally; 0.008% is not 0.8% and 0.024% is not 2.4%.	Source Medium confidence

Cards & ATM

3 tariff records

3 of 3 records

			Source
ATM cardCard issuance fee (first time)	ETB 100.00	—	Source
ATM cardCard re-issue/replacement fee	ETB 100.00	—	Source
ATM cardPIN re-issue fee	ETB 50.00	—	Source

International remittance

4 tariff records

4 of 4 records

			Source
Incoming SWIFT transferInward remittance fee	Free	Exchange commission and service charge free; cancellation/retransfer USD 100	Source
Outgoing personal transfer from LCY accountOutward service charge	11.00% of amount · minimum USD 50.00	Paid from local currency account — Min USD 50; plus 2.5% exchange commission and USD 30 SWIFT	Source
Outgoing transfer from FCY accountOutward service charge	5.00% of amount · minimum USD 50.00	Paid from FCY account — Min USD 50; no exchange commission; USD 30 SWIFT	Source
SWIFT message/amendment/cancellationSWIFT charge	USD 30.00 · (USD per message)	LC full text SWIFT USD 50	Source

Foreign exchange

2 tariff records

2 of 2 records

			Source
Forex bureau sale of FCY cash notesService charge	12.00% of amount	Exchange commission free	Source
Exchange commission (LCY-funded FX payments)Exchange commission	2.50% of amount	LCY-funded outward/import payments	Source

Cheque services

4 tariff records

4 of 4 records

			Source
Cheque returned for insufficient fundsBounced cheque penalty	Not disclosed	2nd instance — As per NBE directive	Source
Cashier's Payment OrderCPO issuance fee	ETB 50.00–ETB 100.00	Account holders 50; walk-in 100 — Cancellation/amendment/replacement same (50/100); CPO request via digital 10 ETB	Source
Cheque bookCheque book fee	Prices vary by published conditions · 25 leaves 50; 50 leaves 100; 100 leaves 150 — Digital cheque book request 10 ETB	25 leaves 50; 50 leaves 100; 100 leaves 150 — Digital cheque book request 10 ETB	Source
Stop paymentStop payment fee	ETB 150.00 · (ETB per instruction)	Via digital request 10 ETB	Source

Account services

4 tariff records

4 of 4 records

			Source
Saving account closure before 6 monthsEarly closure fee	ETB 50.00	Closed within 6 months	Source
Passbook replacement (damaged/lost)Passbook replacement fee	ETB 50.00	—	Source
Standing instructionStanding instruction fee	ETB 50.00 · (ETB per period)	—	Source
Saving account statementStatement fee	ETB 10.00 · (ETB per page)	Current account interim/backdated statement 20 per page; to embassies 30 per page; email statement 5 per email	Source

Trade finance

14 tariff records

14 of 14 records

			Source
Import advance payment (TT)Service charge	5.00%–11.00% of amount · Bounds need source review	LCY account 11% (min USD 100); FCY account 5% (min USD 100) — Plus 2.5% exchange commission for LCY; SWIFT USD 30	Source
Import bills for collection (IBC/CAD) sightCollection charge	2.50% of amount	LCY: 2.5% exchange commission; FCY free — SWIFT USD 30; IBC acceptance service charge 12% min USD 200	Source
Local guaranteeMinimum guarantee commission	ETB 500.00 · (ETB per quarter)	Guarantee amount below 50000	Source
Outgoing bid/performance bondGuarantee commission	1.20%–1.50% of amount · minimum USD 100.00	Against 100% cash 1.5%; with credit facility 1.2% — Min USD 100 plus foreign bank charges; claim 0.3%	Source
Indirect incoming foreign guaranteeGuarantee commission	Prices vary by published conditions · Up to USD 200000: 0.75%; to 400000: 0.5%; to 600000: 0.45%; above: 0.3% — Min USD 100; amendment USD 150	Up to USD 200000: 0.75%; to 400000: 0.5%; to 600000: 0.45%; above: 0.3% — Min USD 100; amendment USD 150	Source
Import LC opening (LCY account)LC opening commission	5.50% of amount · Bounds need source review	Local currency account — Min USD 200; plus service charge 5.5% min USD 200; exchange commission 2.5%; SWIFT USD 50	Source
Import LC opening (FCY account)LC opening commission	2.50% of amount · Bounds need source review	FCY account — Min USD 100; plus service charge 2.5% min USD 100; SWIFT USD 50	Source
Import LC confirmationConfirmation commission	4.00% per 91 days · minimum USD 200.00 · (% of amount per quarter)	Min USD 200 per quarter	Source
Import LC amendmentLC amendment fee	USD 100.00 · (USD per amendment)	Extension before expiry 4% (LCY) / 2.5% (FCY) per quarter; cancellation USD 100	Source
Acceptance / supplier's credit LCLC opening commission	6.00% of amount · Bounds need source review	Min USD 200; service charge 6%; confirmation 4%; settlement 1% min USD 200	Source
LC document discrepancyDiscrepancy fee	USD 150.00	Charged to beneficiary	Source
Export LC advising/confirmation/amendmentExport LC commission	Free	Small item export permit USD 30; negotiation SWIFT USD 50	Source
Uncollected shipping documents custodyCustody charge	2.00% of amount · minimum USD 200.00 · (% of document value)	Over 45 days — Min USD 200; handling commission USD 200	Source
Purchase order approvalPO approval charge	5.00%–11.00% of amount · Bounds need source review	LCY 11% min USD 200; FCY 5% min USD 100 — PO amendment USD 100; cancellation USD 100	Source

Research notes

Mobile apps: Enat Mobile Banking · Malefiya (digital lending) · Unite.et

Official bank news dated2025-11-25 states minimum paid-up capital ETB5bn was reached. This supersedes the seed note asserting Enat remained below the threshold. Undated tariff PDF available; precise2026deposit/loan interest schedule remains unconfirmed. | Social review: missing/unverified telegram, linkedin. Public2025-26post search is bounded, not exhaustive.

Provider sources

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