Nib International Bank

Commercial bank

Prices published

Not disclosed

Price categories

Tariff date in research profile

28 Sene 2017

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 (IFB window: Wadiah Amanah; Mudharabah; Murabaha; Selam; Istisna; Ijarah)

Deposits

33 tariff records

33 of 33 records

			Source
Current AccountMinimum opening balance	ETB 500.00–ETB 1,000.00	Individual 500; organization 1000 — Non-interest bearing	Source
Time DepositMinimum deposit	ETB 50,000.00 (limit or threshold)	Rate above prevailing saving rate (not published)	Source
Saving AccountMinimum opening balance	ETB 50.00	Passbook-based	Source
Lucy Saving (women)Minimum opening balance	ETB 50.00	Women — Higher interest rate incentive	Source
Executive Special SavingMinimum opening balance	ETB 10,000.00	Senior executives — Cheque-operated	Source
NIB Mar SavingMinimum opening balance	ETB 50,000.00	Age 18+ — Additional interest rate applied	Source
Senior Citizen SavingMinimum opening balance	ETB 25,000.00	Nationals 18+	Source
Prestige Saving (Equb/Idir/religious orgs)Minimum opening balance	ETB 5,000.00	—	Source
Tatari Set Saving (women startups)Minimum opening balance	ETB 5,000.00	Progressive interest rate; can be pledged as collateral	Source
Premium Women SavingMinimum opening balance	ETB 100,000.00	Women entrepreneurs/leaders	Source
Students / Holiday / Arashe (expectant mothers) SavingMinimum opening balance	ETB 50.00	Arashe has 6-month lock-in	Source
Gojo/Guzo Saving (remittance recipients / diaspora)Minimum opening balance	Free	Zero balance allowed; type B has higher rate	Source
Children / Kefo / Ekuib / Social / Donation / Entrepreneurs' SavingInterest rate	Not disclosed	Ekuib and Social savings carry progressive rates	Source
Regular savingsRegular savings	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Lucy women savingsLucy women savings	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Mar savingsMar savings	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Executive specialExecutive special	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
StudentsStudents	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
ChildrenChildren	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Senior citizenSenior citizen	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
PrestigePrestige	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Gojo/Guzo AGojo/Guzo A	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Gojo/Guzo BGojo/Guzo B	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Premium womenPremium women	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Tatari SetTatari Set	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence

1 / 2

Loans

9 tariff records

9 of 9 records

			Source
Collateral substitution / withdrawalFee per property	ETB 11,000.00–ETB 22,000.00	Substitution 11000; withdrawal 22000 — Second-degree registration ETB 22000; branch transfer ETB 20000; re-approval ETB 7500	Source
Loan processing fee (fresh request)Processing fee	ETB 3,000.00 / ETB 5,000.00 / ETB 7,000.00 / ETB 10,000.00 by amountUp to ETB 2,000,000.00: ETB 3,000.00; ETB 2,000,000.00–ETB 7,000,000.00: ETB 5,000.00; ETB 7,000,000.00–ETB 15,000,000.00: ETB 7,000.00; Above ETB 15,000,000.00: ETB 10,000.00	<=2M: 3000; 2-7M: 5000; 7-15M: 7000; >15M: 10000 — Plus 0.25% of approved amount after approval	Source
Loan processing fee (renewal)Processing fee	ETB 1,000.00 / ETB 1,600.00 / ETB 2,200.00 / ETB 3,500.00 by amountUp to ETB 2,000,000.00: ETB 1,000.00; ETB 2,000,000.00–ETB 7,000,000.00: ETB 1,600.00; ETB 7,000,000.00–ETB 15,000,000.00: ETB 2,200.00; Above ETB 15,000,000.00: ETB 3,500.00	<=2M: 1000; 2-7M: 1600; 7-15M: 2200; >15M: 3500	Source
Commitment feeCommitment fee	1.90% of amount	Of approved amount	Source
Arrangement feeArrangement fee	1.00% of amount · minimum ETB 5,000.00 · maximum ETB 1,000,000.00	Of outstanding loan — Min ETB 5000; max ETB 1000000	Source
Overdraft / Temporary Overdraft / OverdrawalInterest rate	Not disclosed	Also merchandise loan; advance on import bills; export financing; project financing	Source
Diaspora housingDiaspora housing	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Diaspora vehicleDiaspora vehicle	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence
Diaspora investmentDiaspora investment	Not disclosed	No verified numerical rate found in inspected official product material. Existing aggregator values remain unverified; absence is not zero pricing.	Source Medium confidence

Interest-free products

3 tariff records

3 of 3 records

			Source
Mudharabah investment saving / fixed time depositProfit-sharing ratio	Not disclosed	—	Source Unverified
Murabahah export pre-shipmentProfit rate	0.00% of amount	Up to 96 days; FCY generation >=100% of financing — Zero profit rate	Source
Wadiah Amanah depositReturn	Not disclosed	IFB window also offers Mudharabah saving/fixed-time; Murabaha; Selam; Istisna; Ijarah	Source Unverified

Domestic payments

4 tariff records

4 of 4 records

			Source
Mobile/internet transfer to other banks via EthSwitchTransfer fee	Prices vary by published conditions · 0-5000: 0.46%; 5001-25000: 0.27%; 25001-100000: 0.18%; 100001-1M: 0.09%; >1M: 0.046% + 0.2% — Internet banking tiers 0.46/0.276/0.184/0.092/0.046%	0-5000: 0.46%; 5001-25000: 0.27%; 25001-100000: 0.18%; 100001-1M: 0.09%; >1M: 0.046% + 0.2% — Internet banking tiers 0.46/0.276/0.184/0.092/0.046%	Source
Branch account-to-account transferTransfer fee	ETB 0.00 / ETB 5.00 / ETB 10.00 / ETB 15.00 / ETB 20.00 by amountUp to ETB 5,000.00: Free; ETB 5,001.00–ETB 50,000.00: ETB 5.00; ETB 50,001.00–ETB 100,000.00: ETB 10.00; ETB 100,000.00–ETB 500,000.00: ETB 15.00; Above ETB 500,000.00: ETB 20.00	<=5000 free; 5001-50000: 5; 50001-100000: 10; 100000-500000: 15; >500000: 20 — Own account free	Source
Interbank transfer (branch)Transfer fee	ETB 130.00	Plus NBE charge; electronic tax payment ETB 100	Source
NIB ETHQR Sound Box PlatformNIB ETHQR Sound Box Platform	Not disclosed	Post date is announcement date, not necessarily tariff effective date. Product availability confirmed; numerical price/rate not stated in post. Promotion of an existing product does not prove launch on this date.	Source Medium confidence

Digital banking

5 tariff records

5 of 5 records

			Source
Agent bankingFund transfer fee	ETB 5.75	Registration ETB 20; balance/mini statement/PIN ETB 1.725; DSTV/telephone bill ETB 50; utility 2.3%; airline 1.73%	Source
Nib mobile banking - transfers within Nib / utilities / airtimeService fee	Free	—	Source
Nib mobile / internet bankingMonthly maintenance fee	ETB 5.00 · (ETB per month)	Applies to each of mobile and internet banking	Source
Mobile banking transfer to telebirr / other walletsTransfer fee	0.10% of amount	Transfer to Nib eBirr wallet free	Source
Nib wallet - transfer to non-account holderTransfer fee	Prices vary by published conditions · <5000 free; 5001-30000: 5; 30001-50000: 8; 50001-100000: 9; >100000: 10 + 4 per 100000 — Wallet cash-out at agent/branch free; wallet to other bank 0.046-0.46%	<5000 free; 5001-30000: 5; 30001-50000: 8; 50001-100000: 9; >100000: 10 + 4 per 100000 — Wallet cash-out at agent/branch free; wallet to other bank 0.046-0.46%	Source

Cards & ATM

6 tariff records

6 of 6 records

			Source
ATM withdrawal on-usWithdrawal fee	0.29% of amount	EthSwitch-based fee	Source
ATM withdrawal with Nib card at other bank ATM (off-us)Withdrawal fee	0.57% of amount	Off-us balance inquiry ETB 0.575; off-us mini statement ETB 1.15	Source
ATM withdrawal with other-bank international cardWithdrawal fee	4.60% of amount	—	Source
Local debit cardIssuance / renewal / replacement fee	ETB 100.00	Annual and maintenance fee free; PIN replacement ETB 30; urgent delivery ETB 500	Source
POS purchase (on-us and off-us)POS fee	Free	Cash advance off-us 1.15%	Source
International prepaid cardIssuance / replacement fee	ETB 1,000.00	International card PIN replacement ETB 200	Source

International remittance

2 tariff records

2 of 2 records

			Source
Retransfer of incoming remittanceSWIFT fee	USD 15.00 / USD 30.00 / USD 50.00 / USD 100.00 by amountUp to USD 200.00: USD 15.00; USD 201.00–USD 500.00: USD 30.00; USD 501.00–USD 1,000.00: USD 50.00; Above USD 1,000.00: USD 100.00	<=200: 15; 201-500: 30; 501-1000: 50; >1000: 100	Source
Telegraphic transfer (outward)Service charge	1.00%–4.00% of amount	LCY 4%; FCY 3%; FDI 1% — Plus SWIFT USD 100	Source

Foreign exchange

1 tariff records

1 of 1 records

			Source
Foreign cash exchangeService charge	1.00%–4.00% of amount	LCY account 4%; FCY account 2%; FDI account 1%	Source

Cheque services

4 tariff records

4 of 4 records

			Source
Insufficient fund cheque penaltyPenalty	Prices vary by published conditions · 1st: ETB 115; 2nd: 3.45% (max 28750); 3rd: 5.75% (max 57500) + account closure — Returned cheque from other bank ETB 60	1st: ETB 115; 2nd: 3.45% (max 28750); 3rd: 5.75% (max 57500) + account closure — Returned cheque from other bank ETB 60	Source
CPO issuanceCPO fee	ETB 150.00–ETB 500.00	Account holder 150; non-account holder 500 — Cancellation 250/400; lost CPO refund 350/400	Source
Cheque bookCheque book fee	Prices vary by published conditions · 10 leaves: 75; 25: 100; 50: 200; 100: 350	10 leaves: 75; 25: 100; 50: 200; 100: 350	Source
Stop payment requestStop payment fee	ETB 300.00	Per application — Special clearance ETB 200 per cheque	Source

Account services

6 tariff records

6 of 6 records

			Source
Saving/current account closure before 6 monthsClosure fee	ETB 100.00	Account freeze (court case) ETB 200; lost passbook ETB 100	Source
Low-balance maintenance feeMaintenance fee	ETB 25.00–ETB 50.00	Every 6 months — Saving below ETB 50: 25; checking below ETB 500: 50	Source
Balance confirmationFee	ETB 275.00	Signature change ETB 60 per account	Source
Branch cash withdrawalWithdrawal fee	ETB 0.00 / ETB 5.00 / ETB 10.00 by amountUp to ETB 2,000.00: Free; ETB 2,001.00–ETB 10,000.00: ETB 5.00; Above ETB 10,000.00: ETB 10.00	<=2000 free; 2001-10000: 5; >10000: 10 — Wadi'ah withdrawals free	Source
Dormant saving account (below ETB 100)Dormancy charge	ETB 25.00	Every 6 months — Dormant current account (below ETB 1000): ETB 250 every 6 months	Source
Account statementStatement fee	ETB 30.00–ETB 60.00	Current month/duplicate 30 per page; historical 60 per page — Plus ETB 5 per additional copy page	Source

Trade finance

3 tariff records

3 of 3 records

			Source
Indirect (incoming) guaranteeCommission	Prices vary by published conditions · <=400k 1% (min USD 100); 400-600k 0.75%; >600k 0.5% — Direct guarantee flat USD 100; guarantee claim 0.15% + USD 100	<=400k 1% (min USD 100); 400-600k 0.75%; >600k 0.5% — Direct guarantee flat USD 100; guarantee claim 0.15% + USD 100	Source
Outgoing guaranteeCommission	0.60%–1.25% of amount · minimum USD 100.00	110% cash collateral 0.6%; facility collateral 1.25% — Min USD 100	Source
Letter of credit / CADService charge	1.00%–4.00% per 90 days	Per 90 days; LCY 4%; FCY 3%; FDI 1% — SWIFT for LC USD 150; amendment USD 100	Source

Research notes

Mobile apps: Nib Mobile Banking · Nib eBirr wallet · Nib Amber Pay · Nib Paystream
USSD: *865#

Established 26 May 1999. Official Terms & Tariffs page (modified 2025-07-05) is comprehensive for fees; deposit/loan rates not published officially (aggregator figures used, Low). Aggregator reports FY2024/25 pre-tax loss of ETB 2.9bn. Prepaid Mastercard launched Dec 2024; Amber Pay and Paystream apps Feb 2025. Branch count on Wikipedia/aggregator (48) appears unreliable, left blank. | Social review: missing/unverified x. Public2025-26post search is bounded, not exhaustive.

Provider sources

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