What We Offer

Dive into a new world of opportunities and discover a full range of financial products and services tailored to bring your business to another level. Set an objective, and let us bring you there safely.

We help you grow the business of your dreams. To ensure uninterrupted business operations or to drive your expansion plans, we walk by your side with loan products designed to match your capacity.

Our products are flexible, affordable, convenient and accessible. Whether you run a micro or small enterprise, we have an adapted solution to keep you running.

Small Businesses

Do not allow your business to starve for funds. Our loans for small businesses are tailored to boost your productivity and help you grow your business efficiently and in a sustainable manner.
You can access a loan from as low as 70,000 Rwandan Francs up to 5 Million Rwanda Francs. Apply and access your loan in less than 5 days.

Micro Businesses

Running your business can be challenging. To sustain growth, you need a reliable partner walking by your side. We put at your disposal advantageous loans for micro businesses starting from 5 Million Rwanda Francs up to 30 Million Rwanda Francs.

Agro Loans

This loan is intended for individuals in rural and semi-urban areas and whose income is mainly generated from agriculture, farming, fisheries, agricultural-processing or any other agricultural-farming related activity. The agro loan comes with substantial advantages such as a flexible payment schedule tailored to seasons.

Documents required for a loan application:

  • Your Rwanda National Identification document
  • Business patent or Tax declaration showing that your business has been operating for at least one year
  • Your cosigner’s Rwanda National Identification document
  • Your guarantor’s Rwanda National Identification document
  • Your business’s rental agreement
Other documents might be required during assessment

Consult our tariff guide, or for more details, contact us.

Loan Calculator

*Results received from this calculator are estimates and are designed for comparative purposes only, accuracy is not guaranteed. Contact us for  Agro Loans.

Loan Calculator

Loan Calculator Input


Reach your savings goals with AB BANK RWANDA. Take advantage of our competitive rate to maximize your money. No matter what your savings goals are, we have an account to help you get there.

For more details, contact us and talk to our advisors.

ONGERA Savings Account

Start your saving journey with ONGERA account. Break down your objectives into small easy steps and save at your own pace. With a minimal opening balance of 1,000 Rwf, your savings will return an interest of 3.5% per year. ONGERA, more savings, more freedom!

Key Features
RWF 1,000 Minimum Opening Balance
No limited monthly withdrawals
3.5% interest per annum

SARURA Premium Savings Account

We call it premium because it gives you unprecedented advantages. Sarura Premium is for dedicated savers, future makers and great visionaries.

Key Features
RWF 100,000 Opening Balance
6% – 7.50% interest per annum depending on the amount
1 Free withdrawal per month

Term Deposit

Lock away an amount of money for an agreed length of time and we guarantee the interest rate you will be receiving for the term you select. IGIRE Term Deposit Account returns an attractive interest rate ranging from 6% to 9%. Invest your money and let time work!

Key Features
Attractive annual interest rates: 6% – 9%
Affordable minimum deposit of RWF 50,000 for individuals and RWF 100,000 for legal entities (no maximum limit)
Possibility of renewal or roll-over upon maturity
Free account statement


IKIMINA Group Savings Account

Save together, grow together! Put money aside as a group for the future with our IKIMINA account.

Here are some good reasons to opt for IKIMINA:
  • Loans for individual members who own businesses
  • Contribution credit via standing orders (no need to walk to the bank to make your contributions!)
  • Loans and Overdrafts for qualifying registered groups/cooperatives
  • Possibility for qualifying groups to get financial literacy and entrepreneurship training opportunities
  • Local and SWIFT transfer discounts

Key Features
Free of account maintenance fees
Free withdrawals
One Free account statement per month
Free account statement and SMS notifications on account transactions
Free standing order to the IKIMINA Account
Minimum deposit of RWF 10,000
Minimum interest earning balance RWF 100,000
Earn up to 5% interest payable monthly on balances Rwf 25m and above.


Current Account

Experience quick, convenient and efficient banking with ISANGE account. Whether you have extensive or simple banking needs, ISANGE is designed to offer a unique combination of benefits and options. Pay bills, send money, make purchases, and manage your cash flow efficiently and conveniently for an affordable maintenance fee of only 800 Rwf per month.

Paired with AB IBAKWE, access your funds from anywhere using your MTN mobile wallet. Send money to and from your Isange account without boundaries.

Set up Direct Deposit to get any payments deposited directly into your Isange current account. You get notified by SMS for free once the transaction is done.

Payroll processing
Standing orders
Transaction processing via email
Sms notifications
Cheques books

Banking Services

AB BANK offers you a fully-fledged range of banking services that blend perfectly with your aim to be productive and efficient. We strive to offer you smart tools to empower you in your daily activities. In everything we do, we have you in mind!

Visit our tariff section for more details or contact us.

Local and International Transfers

Enjoy painless fund transfers by choosing a method that is easy for you and convenient for your recipient, whether it is directly to their bank account or for cash pick up with MoneyGram. We provide competitive rates on all transfers, both local and international.

Performance Guarantees

Won a tender? Congratulations! Tackle your project with peace of mind. A performance guarantee covers risks related to contract completion and delivery. We guarantee compensation of an agreed amount in case the delivery terms or other contractual obligations are not fulfilled as agreed upon in the contract.

Bid Guarantees

Won a tender? Congratulations! Tackle your project with peace of mind. A performance guarantee covers risks related to contract completion and delivery. We guarantee compensation of an agreed amount in case the delivery terms or other contractual obligations are not fulfilled as agreed upon in the contract.

Advance Payment Guarantees

An Advance Payment Guarantee is issued to secure the release of advance payment (mobilization) received on a contract. It is intended to bind the supplier (the bank’s customer) to use the advance payment for the purpose stated in the contract between the customer and the Principal.


Invest in your future knowing that the ones you love are protected. With NGOBOKA insurance, you confidently and peacefully focus on your daily activities.

NGOBOKA: Benefits Beyond Life Expectancy

Peace of mind is a universal leitmotiv and everyone feels the need of being adequately protected as life is by nature unpredictable.

NGOBOKA policy offers you flexibility to choose between different options. You can opt for an Individual Scheme (starting from 400 Rwf per month) where you are the sole person under NGOBOKA coverage or include your family members under the Family Scheme (starting from 900 Rwf per month), which enables you to extend coverage to your spouse and a maximum of four kids aged under 25.

Contact us or visit one of our branches to get all additional information you need about NGOBOKA.

Digital Solutions

Bank the smart way with our digital solutions. Enjoy boundless access to our services using secured channels at any time and from anywhere. We strive to offer you the best banking experience by making things convenient for you.

AB Mobile

AB Mobile. Your account in your hands!
Welcome to AB MOBILE, our digital financial channel that enables our customers to access their bank account information anytime, anywhere and from the comfort of their mobile phones by simply dialing *540#
With AB Mobile, our active current accounts and Ongera Saving accounts holders can now:
• Self-register to use this service
• Check their account balance
• View account transaction history (Mini-Statement)
• Change language (Kinyarwanda and English)
• Change their PIN code

The Service is currently available on MTN network and works on all types of mobile phones (basic and smartphones).

For more information, please read the Terms and Conditions.

ABBY: Unlimited Access to Quality Service

Were you used to walking miles to get information about loan applications or rules and conditions to open an account? Those times are over! With ABBY, your bank is joining you wherever you are and whenever you want.

ABBY is a digital service powered by artificial intelligence that you interact with via an interface integrated on a digital platform. Knowledgeable and very courteous, ABBY can converse to enhance your bank experience and save you time and money,

With ABBY, you can also apply for a loan or open your bank account remotely. ABBY is accessible 24/7 through:

  • Our Facebook page: @abbankrwanda. Click on the Messenger button and engage with ABBY.
  • Our WhatsApp number: +250 78 831 91 08
  • Our website, locate ABBY’s icon in the bottom right corner and click on it.

AB Ibakwe: Stay Connected With Your Bank!

Turn your phone into a powerful device that gives you full control of your finances. With AB IBAKWE you can send funds from your bank account to your MTN mobile wallet (MoMo) and vice versa. The power is in your hand. It is simple, user-friendly and very convenient.

For any questions related to AB IBAKWE, please contact us or consult ABBY, our virtual assistant available 24/7.