Prices published
47
Not disclosed
10
Price categories
9
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
21 tariff records
21 of 21 records
| Source | |||
|---|---|---|---|
| Current AccountInterest rate | Free | Non-interest bearing | |
| Fixed Time DepositMinimum opening balance | ETB 100,000.00 | Minimum tenor 6 months — Or USD 5000 equivalent; rate negotiable; early withdrawal earns savings rate | |
| Fixed Time DepositInterest rate | Not disclosed | Negotiable | |
| Ordinary Savings AccountInterest rate | 7.0% a year | NBE minimum savings rate (x) = 7% | |
| Ordinary Savings AccountMinimum opening balance | Free | Zero-balance opening — Minimum month-end balance 25 ETB | |
| Women's Savings (Kibirt)Interest rate | Prices vary by published conditions · Tiered by balance — x+0.5% to x+1.25% where x = 7% | Tiered by balance — x+0.5% to x+1.25% where x = 7% | |
| Elders Savings (Tila)Interest rate | Prices vary by published conditions · Tiered by balance — x+0.5% to x+1.25% | Tiered by balance — x+0.5% to x+1.25% | |
| Youth Savings (Gubil)Interest rate | Prices vary by published conditions · Tiered by balance — x+0.25% to x+1% | Tiered by balance — x+0.25% to x+1% | |
| Minors / Junior Savings (Eshet)Interest rate | Prices vary by published conditions · Tiered by balance — x+0.25% to x+1%; teen variant Tesfa also offered | Tiered by balance — x+0.25% to x+1%; teen variant Tesfa also offered | |
| Education, Wedding, Vacation/Picnic and Holiday SavingsInterest rate | Prices vary by published conditions · Tiered by balance — x+0.25% to x+1% | Tiered by balance — x+0.25% to x+1% | |
| Asrat Bekurat SavingsInterest rate | 7.0% a year | — | |
| Champion's SavingsInterest rate | 8.0% a year | — | |
| Tsehay Diamond Saving AccountInterest rate | 9.5%–10.0% a year | On minimum monthly balance — Min opening 500 ETB individuals / 1500 ETB organizations | |
| Equb Saving Account (small / medium / large)Minimum opening balance | ETB 500.00–ETB 5,000.00 | Small 500; medium 2500; large 5000 — Rates not published | |
| 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 |
| Diamond savingsDiamond savings | 9.5%–10.0% a year | Opening ETB 500 individual / ETB 1,500 organization; monthly minimum balance — Undated product page; current applicability unconfirmed. No numeric band thresholds published; not a time-deposit ladder. | Source Medium confidence |
| Diamond savings advertised interestDiamond savings advertised interest | 9.50%–10.00% of amount | Balance bands not given — Advertised interest range; annual basis not stated in post. Not converted into annual yield. | Source Medium confidence |
Loans
9 tariff records
9 of 9 records
| Source | |||
|---|---|---|---|
| Property estimation (Addis Ababa)Valuation fee | ETB 1,000.00–ETB 2,500.00 | Residential up to G+2 1000; commercial up to G+2 2000; residential >G+2 2500 + 200/floor — Motor vehicle 1000 per vehicle; revaluation 75% of estimation fee | |
| Initial loan processingFee | 0.01% of amount | Of amount requested | |
| Loan processing on approvalFee | 0.15%–0.50% of amount | 0.5% on-balance-sheet; 0.15% off-balance-sheet | |
| Early settlementPenalty | 1.50% of amount | Of principal outstanding | |
| Loan renegotiation (1st time)Fee | 0.50% of amount | Of principal outstanding | |
| Collateral release / replacementFee | ETB 10,000.00 | — | |
| Mortgage LoanEquity contribution | 40.00% (limit or threshold) · (% of value) | 20% for FCY resource owners — Interest rate not published; min 1 year deposit relationship | |
| Personal (consumer durables) LoanInterest rate | Not disclosed | 40% equity | |
| Automobile LoanEquity contribution | 40.00% (limit or threshold) · (% of value) | 20% for FCY resource owners — Interest rate not published |
Interest-free products
8 tariff records
8 of 8 records
| Source | |||
|---|---|---|---|
| Fajr Mudarabah Ordinary SavingMinimum opening balance | ETB 1,000.00 | Balances held under 10 days not eligible for profit | |
| Fajr Mudarabah special (Hawa women, Amal youth, Teen, Iqra education, Nikah wedding)Profit-sharing ratio | Not disclosed | Stated as higher PSR than ordinary Mudarabah; ratios not published | |
| Fajr Mudarabah Eid/Holiday SavingMinimum opening balance | ETB 1,000.00 | Minimum monthly installment 150 ETB | |
| Fajr Mudarabah Fixed/Term InvestmentProfit-sharing ratio | Not disclosed | 3 to 24+ months — PSR varies by term | |
| Fajr Murabaha / Ijarah financingProfit (markup) rate | Not disclosed | — | |
| Fajr Wadiah Ordinary SavingMinimum opening balance | ETB 50.00 | No return - Wadiah profit belongs to bank; variants: women (Hawa) / youth / education / Hajj-Umrah / zakat / mahr / elders | |
| Fajr Wadiah commitment savings (Sekeni housing, Merkebi vehicle, Mubdi entrepreneur, Meta'e goods)Down payment saved | 40.00% (limit or threshold) · (% of value) | Save 40% down payment towards IFB financing | |
| Fajr Wadiah FCY accountMinimum opening balance | USD 100.00 | No profit return |
Domestic payments
1 tariff records
Digital banking
3 tariff records
3 of 3 records
| Source | |||
|---|---|---|---|
| Mobile/internet transfer to other banks (EthSwitch)Fee | Prices vary by published conditions · Plus 3 ETB flat — Up to 5000: 3+0.4%; 5001-25000: 3+0.24%; 25001-100000: 3+0.16%; 100001-1M: 3+0.08%; >1M: 3+0.04% | Plus 3 ETB flat — Up to 5000: 3+0.4%; 5001-25000: 3+0.24%; 25001-100000: 3+0.16%; 100001-1M: 3+0.08%; >1M: 3+0.04% | |
| Mobile/internet transfer within Tsehay BankFee | Free | Own and other Tsehay accounts | |
| Transfer to telebirr / M-PESA wallets or agentsFee | 0.40% of amount · Bounds need source review | Up to 5000 ETB 0.4%; above 5000 flat 25 ETB — Transfers to own/other Tsehay wallets free (up to 75000) |
Cards & ATM
5 tariff records
5 of 5 records
| Source | |||
|---|---|---|---|
| ATM cash withdrawalFee | 0.50% of amount | Per transaction — Balance inquiry 0.50 ETB; mini-statement 1 ETB | |
| Credit card issuanceFee | ETB 180.00–ETB 250.00 | Classic 180; Gold 250 — Annual maintenance: Classic 50; Gold 75 | |
| Debit card issuanceFee | ETB 100.00–ETB 150.00 | Classic 100; Gold 150 | |
| PIN replacementFee | ETB 25.00 | — | |
| POS paymentFee | 0.10% of amount | Per transaction |
Cheque services
4 tariff records
4 of 4 records
| Source | |||
|---|---|---|---|
| Insufficient-fund chequePenalty | Prices vary by published conditions · 1st 100 ETB; 2nd 3% of value (max 25000); 3rd 5% (max 50000) | 1st 100 ETB; 2nd 3% of value (max 25000); 3rd 5% (max 50000) | |
| Cash Payment OrderCommission | ETB 100.00–ETB 400.00 | 100 account holder / 400 non-account holder — Cancellation 300; replacement 200 (holder) / 400 (non-holder) | |
| Cheque bookIssuance fee | ETB 200.00–ETB 450.00 | 25 leaves 200; 50 leaves 300; 100 leaves 450 | |
| Stop paymentFee | ETB 300.00 | — |
Account services
3 tariff records
3 of 3 records
Trade finance
3 tariff records
3 of 3 records
| Source | |||
|---|---|---|---|
| Letter of guarantee - 100% cash (advance payment)Commission | 0.25% per 91 days · minimum ETB 1,000.00 | Per quarter — Minimum 1000 ETB | |
| Letter of guarantee - secured / cleanCommission | 1.25%–2.25% per 91 days · minimum ETB 1,500.00 | Per quarter — Building/cash collateral 1.25%; machinery/vehicle 2%; clean 2.25%; minimum 1500 ETB | |
| LC opening / CAD / advance payment / service payment / cash salesService charge | 4.00% of amount | All modes |
Research notes
- Mobile apps
- Tsehay Mobile Banking · Internet Banking
NBE est. 01/02/2022. Operational tariff page (modified 2026-09-22) and product tariff page publish service charges and deposit rates; loan interest rates not published. Named in 2025 news as loss-making / capital-deadline risk. Call centre 921. | 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
- tsehaybank.com.et
- tsehaybank.com.et/tsehay-bank-operational-tariffs/
- facebook.com/tsehaybanksc
- t.me/tsehaybanksc
- linkedin.com/company/tsehaybank
- x.com/tsehaybank
- youtube.com/channel/UCqj_qre7CVg_8vBtn2zTNQA
- nbe.gov.et/financial-institutions/banks/page/2/
- tsehaybank.com.et/
- tsehaybank.com.et/tsehay-bank-product-and-service-tariffs/
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