Anbesa Bank (formerly Lion International Bank)

Commercial bank

Prices published

Not disclosed

Price categories

Tariff date in research profile

Hamle–Nehase 2017 EC

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

Yes - Al-Nejashi IFB (Wadiah; Mudarabah; Qard; Murabaha)

Deposits

17 tariff records

17 of 17 records

			Source
Jegnit Women Saving AccountInterest rate	7.0%–7.5% a year	Women 18+ — Page states up to 7% and 7.5% p.a.; compounded monthly Possibly outdated: undated 7% value.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
Jegnit Women Saving AccountMinimum opening balance	ETB 250.00	—	Source
Ahadu Children Saving AccountInterest rate	7.5% a year	Under 18 — Up to 7.5%; compounded monthly on minimum balance	Source
Ahadu Children Saving AccountMinimum opening balance	ETB 250.00	—	Source
Askuala Education Saving AccountInterest rate	7.5% a year	Education goal — 7% standard + 0.5% bonus; minimum opening 250 ETB	Source
Efoyta Retirement Saving AccountInterest rate	7.5% a year	Age 18+ — 7% base + 0.5% bonus; minimum opening 250 ETB	Source
Entrepreneur Saving AccountInterest rate	7.5% a year	Age 18+ — 7% standard + 0.5% bonus; minimum opening 250 ETB	Source
Youth Saving AccountInterest rate	7.0% a year	Age 14-17 — Up to 7%; minimum opening 250 ETB; must deposit monthly Possibly outdated: undated 7% value.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
Diaspora non-repatriable saving accountInterest rate	10.0% a year	Diaspora; USD/EUR/GBP funded — Stated as maximum 10% based on NBE minimum rate; prerequisite for diaspora loans	Source Medium confidence
Equb / Gojjo / Iddir / Hawalla / Investment saving accountsInterest rate	Not disclosed	Goal-oriented savings range	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
Iddir savingsIddir savings	7.5%–9.5% a year	Opening ETB 1,000; compounded monthly — Undated; page design says Year of 2025 without establishing effective date. Range only; individual tier boundaries not published.	Source Medium confidence
Iddir annual deposit bonusIddir annual deposit bonus	0.50% of amount	Deposits at least ETB 1 million — Undated; page design says Year of 2025 without establishing effective date. Bonus separate from base savings rate; do not add automatically to every tier.	Source Medium confidence

Loans

9 tariff records

9 of 9 records

			Source
New credit facilityLoan processing fee	0.03% of amount · minimum ETB 5,000.00	Minimum 5000 ETB	Source
Renewal/extension of facilityRenewal fee	0.01%–0.05% of amount · Bounds need source review · (% of limit)	0.05% up to 5 million; 0.01% above — Minimum 4000 ETB; expired facility renewal 0.03% min 5000	Source
Collateral substitution / releaseCollateral release fee	ETB 6,500.00	Amendment 3500; second-party registration 8500	Source
Collateral estimationCollateral valuation fee	ETB 3,000.00–ETB 3,500.00	Residential 3000 + 1000 per unit; vehicle 3500 per booklet; machinery (up to 5M) 3500 per plant	Source
Early settlementEarly repayment penalty	Prices vary by published conditions · Remaining <25% free; 25-50%: 1.5%; 50-75%: 3%; >75%: 5%	Remaining <25% free; 25-50%: 1.5%; 50-75%: 3%; >75%: 5%	Source
Alegnta digital salary loanInterest rate / fees	Not disclosed	SME employees with fixed salary; account 3+ months — 100% digital	Source
Diaspora building/housing loanInterest rate	13.0%–19.0% a year	Tenor 5-15 years; 20% down payment — Varies by loan type	Source
Corporate / investment / working capital loanInterest rate	15.0% a year	Third-party aggregator figure	Source Unverified
Personal automobile loanInterest rate	15.0% a year	Third-party aggregator figure	Source Unverified

Interest-free products

3 tariff records

3 of 3 records

			Source
Mudarabah Investment Saving / Fixed-term MudarabahProfit-sharing ratio	Not disclosed	Fixed term min. 3 months — Special variants get higher PSR than regular	Source
Murabaha term / revolving / LC / pre- and post-shipment / commodity financingProfit margin	Not disclosed	Qard cheque accounts also offered	Source
Al-Nejashi Wadiah Saving (Regular; Almerah women; Atea'lim education; Zakat; Children; Entrepreneurs)Fees / minimum balance	Not disclosed	Discretionary gifts (Hibah)	Source

Domestic payments

2 tariff records

2 of 2 records

			Source
RTGS outgoingRTGS fee	ETB 100.00	Retransfer of incoming RTGS 50 ETB	Source
Intra-bank fund transferTransfer fee	Free	—	Source

Digital banking

1 tariff records

1 of 1 records

			Source
Anbesa Plus mobile app / USSD *803# / HelloCashFees and limits	Not disclosed	Mobile Banking T&C PDF (Aug 2025) contains no fee schedule	Source

International remittance

3 tariff records

3 of 3 records

			Source
Import advance payment (TT)Outward service charge	4.00% of amount · minimum USD 250.00	Min USD 250	Source
Outward remittance for education/medicalOutward service charge	4.00% of amount · minimum USD 200.00	Min USD 200	Source
SWIFT chargesSWIFT charge	Prices vary by published conditions · By message type	By message type	Source Medium confidence

Cheque services

5 tariff records

5 of 5 records

			Source
Cheque returned for insufficient fundsBounced cheque penalty	ETB 100.00	1st instance	Source
Cashier's Payment OrderCPO issuance fee	ETB 100.00–ETB 350.00	Account holders 100; non-account holders 350 — Cancellation/amendment 100/200; replacement 150/250; lost CPO 250	Source
Cheque bookCheque book fee	Prices vary by published conditions · 25 leaves 75; 50 leaves 150; 100 leaves 300	25 leaves 75; 50 leaves 150; 100 leaves 300	Source
Outgoing cheque clearingClearing fee	ETB 20.00 · (ETB per cheque)	—	Source
Stop paymentStop payment fee	ETB 150.00–ETB 200.00	Single cheque 150; range of cheques 200	Source

Account services

8 tariff records

8 of 8 records

			Source
Cash withdrawal at counterCash withdrawal fee	Free	—	Source
Account closure within six monthsEarly closure fee	ETB 50.00	Inactive current account below 500 ETB: as per NBE directive (0)	Source
FCY account maintenanceAccount maintenance fee	USD 50.00 · (USD per year)	Free for FX trading partners/IMTOs	Source
Balance confirmationBalance confirmation fee	ETB 100.00–ETB 200.00	Customer 100; external auditors 200	Source
Passbook lost or damagedPassbook replacement fee	ETB 50.00	—	Source
Salary paymentPayroll processing fee	ETB 3.00 · (ETB per employee)	—	Source
Standing instructionStanding instruction fee	ETB 50.00	First order	Source
Extra statementStatement fee	Prices vary by published conditions · Period <1 year 15; >1 year 25	Period <1 year 15; >1 year 25	Source

Trade finance

7 tariff records

7 of 7 records

			Source
Import bills for collection (IBC) sight / acceptance on due dateCollection commission	Free	Acceptance settled after maturity USD 150	Source
Local guaranteeGuarantee commission	Prices vary by published conditions · Cash collateral 0.5% (min 5000); 100% building 1.25%; clean <=5M 2.25%; clean >5M 2.5%	Cash collateral 0.5% (min 5000); 100% building 1.25%; clean <=5M 2.25%; clean >5M 2.5%	Source
Foreign guarantee (90 days)Guarantee commission	Prices vary by published conditions · Up to USD 50000: 0.70% (min 50); to 500000: 0.60% (min 360); to 100M: 0.45% (min 2475); above: 0.35% (min 3600)	Up to USD 50000: 0.70% (min 50); to 500000: 0.60% (min 360); to 100M: 0.45% (min 2475); above: 0.35% (min 3600)	Source
Import LC opening (90 days)LC opening commission	2.50% of amount · Bounds need source review	90 days — Min USD 250; plus service charge 2.5% min USD 250; NBE exchange 2.5%; FCY allocation fee 2%; SWIFT USD 100	Source
Import LC margin commitment / confirmationCommitment/confirmation commission	4.50% of amount · minimum USD 250.00	90 days — Min USD 250	Source
Import LC amendmentLC amendment fee	ETB 5,000.00	Plus SWIFT USD 100 if applicable; increases charged as new opening	Source
CAD purchase order approvalPO approval service charge	2.50% of amount · Bounds need source review	Min USD 250; extension of expired PO 4% min USD 100	Source

Research notes

Mobile apps: Anbesa Plus mobile banking · Anbesa HelloCash · LionOnline · Alegnta digital loan · Schoolpay
USSD: *803#

Rebranded from Lion International Bank to Anbesa Bank (website announces rebrand; exact date not stated; Wikipedia still lists old name). Four tariff PDFs uploaded Aug 2025 (domestic, international, credit, mobile T&C). Paid-up capital ETB 5.13bn (aggregator). Call centre 8803. | 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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