Savings & deposits
- Fees and cycles are on your tariff sheet.
- Early withdrawal rules are on your term certificate.
- Dormancy notices are sent before any legal step.
Charges, interest & transparency
What a product costs is disclosed on your signed documents. Here is how, and where.
We do not publish rates on this page. A number printed on a website is not a number you have been offered. Your binding figures live on the offer you sign.
Credit products
- Total loan cost includes interest, fees and any required insurance.
- Salary loans follow the payroll timing in your covenant.
- Penalties apply only after the agreed grace window.
How our loan lines map to your activity is on the loans page.
Payments corridor
- *182*4*2# and partner-channel fees as disclosed at signup.
- Forex spreads per the published desk board.
- Outage refunds per scheme rules and ticket references.
FAQ
Fees customers ask about first
Where is the authoritative interest figure?
On your signed loan worksheet and amortisation schedule. Nothing on this website overrides those documents.
Can fees shift overnight?
Only with the notice the rules require. A contract you have already signed stays as signed until renewal.
What if I see a debit I do not recognise?
Bring the date, the channel and the narration. We trace it and revert it per policy.
Can I get historical tariff sheets?
Yes — on request, for audit or legal use.