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Products for Individual Clients
>> Our bank accounts and investment solutions​
  • Current account
    Easily accessible for individuals, It will allow you to manage your budget, transfer of wages and payment of invoices ... etc.

  • Cash deposits

    An investment formula that has several advantages: the duration of the subscription ranges from 3 months to more than 48 months. The cash deposit is negotiable and can act as a guarantee; it can be nominative or anonymous.

  • Term deposit (TD’S dinars) (local currency)

    Term deposit of an amount equal or more than 10,000 DZD, open to costomers for a period ranging from 3 months to more than 48 months and are remunerated, according to the current Bank conditions.

 

>> Our savings accounts
save your money aside without effort or constraints with our saving accounts:  
  • The Saving account « DAILY »:
    Grow your savings with a quarterly interest payment up to 4.5% HT/Yr, depending on the level of remuneration and according to the current bank conditions, Click here..
  • The Saving account « GHADEN»:
    Prepare your future by investing your money confidently with a favorable rate, Click here..
  • The Saving account «RAFIKI»:
    Save with ease for your children at a very attractive interest rate, Click here..
  • Free Interest Saving Account 0%:
    Put your money securely with 0% interest saving.

    Browse to your accounts anytime anywhere via our « ABC Digital » solution.
    Schedule an automatic savings and put a regular amount of money into your savings account.

- Currency account (Foreign currency):
Open a currency account and carry out your international transactions: international transfer, transfer aboard ... etc.

 

>> Our packaged offers​
1. Pack DAILY+ « Classic or Gold », the most that facilitates your daily life:

Want to create savings at a very attractive interest rate?

Desire to simplify the daily management of your money?

Wish to benefit from several services at a very attractive price?

Bank ABC offers you the solution adapted to your needs through Pack DAILY+ Classic or Gold!

Bank ABC, offers you the Pack DAILY+ Classic & Gold, which gathering essential products and services in your daily life and allows you to benefit from an exceptional discount with an attractive interest rate through your DAILY saving account

Pack DAILY+ « Classic ou Gold »

* Discount applied according to the subscribed package formula and to the current bank conditions.

2. Pack EASY+ « Classic or Gold », much more than services:

Pack Easy+ is an offer that includes a series of banking products and services at a unique and very attractive price.

Pack Easy+ facilitates your daily life and gives you access to various support services.

- Functionalities:

Your Pack Easy+ Classic or Gold is connected to your current account by charging a monthly fee.

  • Subscribe to the Pack Easy+ Classic or Gold for bank and assistances services.
  • Your customer consultant will give you a support card on which is registered a phone number with your ID.
  • This phone number will allow you to join a team of professionals to help you on the different support services desired.
  • Your card also allows you to benefit from exceptional discounts at the stores we have agreed with (The stores’ list shall be forwarded to you while subscribing).
Pack Easy+ « Classic ou Gold »

- Our « CLASSIC & GOLD » Interbank Cards: Your card, your daily ally.

 

  • Keep your money safe and secure at any time by withdrawing at the ATMs displaying the logo “CIB” Pack Easy+ « Classic ou Gold »
  • Pay your sales using POS or on the internet on merchant websites displaying the logo “CIB”Pack Easy+ « Classic ou Gold »
  • Access the operations available on Bank ABC ATMs:
    • Balance consultation,
    • History of the last 05 operations (mini statement)
    • Checkbook order​

 

>> E-Banking​

1. Click & Go, your payments in one click:

Make your payments online on authorized merchant websites via your CIB interbank card.

How to benefit from this service: CLICK & GO service is activated at the customer's request *.

- The benefits of this service:

  • Accessibility: The service is available 24/7.
  • Security: You can do your transaction safely.​
  • Free: No commission is charged on your payment transactions.
  • Features: Your payment is done in three steps:
    1. Confirm your choice and validate your product on merchant websites;
    2. Fill in your bank details and enter your secret code consisting of 06 digits;
    3. Confirm and validate your payment.

You can get closer to your customer advisor for the list of merchant websites or click here.

* To activate the CLICK & GO service, you can get closer to your nearest branch or visit the website: www.Bitakati.dz

 

2. Quickly, your bank supports you everywhere:

Be informed of the operations carried out on all your accounts by SMS, sent directly to your mobile phone.​

 

3. Digital Banking solution «  ABC Digital », when your bank becomes mobile!

 

« ABC Digital » is an online banking service with an innovative platform and a modern design, designed to better meet your needs wherever you are 24/7 from any device via the internet (computer, tablet & smartphone).

This service offers more functionalities in complete safety.

- More functionalities:

  • View and edit the movements of your bank accounts;
  • Make intra and interbank transfers;
  • Make international transfers;
  • Manage the beneficiaries of your transfers and credit transfers.
  • Geolocate our agencies or ATMs;
  • Make requests for: checkbook, statement of account, term deposit, bank check;
  • Activate or block your CIB Interbank Card.

New functionalities shall be available on the ABC Digital platform.

- Optimum security:

The new « ABC Digital » service provides greater security by introducing strong two-factor authentication:

  • Access to the « ABC Digital »  service requires your username and password and a one-time password («OTP»).
  • Validating all your banking transactions requires a one-time password (OTP) instantly generated on your phone via the Bank ABC OTP application.

 

>> Credits
Gamme SOUKNA

1. Real Estate Credit: Your projects come alive with the « SOUKNA range »

Whether you are an employee, Algerian trader or professional, resident in Algeria or abroad;

Our teams are committed into the realization of your real estate projects.​

  • Offer you simple and advantageous formulas.
  • Attractive and steady interest rates regardless of the duration or amount of credit.
  • Assure you a speed and flexibility on the processing time of your files.
     ​

Our offers in real estate credit of our “Soukna Range” are as follows:

1.1 SOUKNA Acquisition of a finished property or land:

This is a personal loan that is granted to you if you want to buy a new or old home or land.

  • A repayment period up to 25 years.
  • Financing up to 90% of the amount of your project according to your debt capacity.

Eligibility:

  • Any legal person under the age of 60, of Algerian nationality: employees, tradesmen, liberal professions, residents in Algeria or abroad.
  • A steady monthly income greater than:
    • 25.000 DZD for employees;
    • 60.000 DZD for liberal professions;
    • 2.000 USD for employees resident abroad.

  

1.2 SOUKNA Construction or extension:

This is a real estate personal loan granted to any legal person wishing to realize a residential construction and/or an extension of a dwelling.

  • A repayment period up to 20 years.
  • Financing up to 100% of the amount of your project according to your debt capacity.

Eligibility:

  • Any legal person under the age of 60, of Algerian nationality: employees, tradesmen, liberal professions, residents in Algeria or abroad.
  • A steady monthly income greater than:
    • 25.000 DZD for employees;
    • 60.000 DZD for liberal professions;
    • 2.000 USD for employees resident abroad.

  

1.3 SOUKNA Developments:

(With or without mortgage) is a loan to finance development or repair works.

You want to embellish your home, carry out works of improvement, renovation and enhancement of your home, we offer « SOUKNA Developments ».

  • A repayment period up to 7 years.
  • Financing up to 100% of the amount of your project according to your debt capacity and with the possibility of associating a co-borrower.

With “SOUKNA Developments” credit, we offer you the possibility of obtaining another additional amount within the framework of the financing already granted with an extension of the duration.

Eligibility:

  • Any legal person under the age of 60, of Algerian nationality: employees, tradesmen, liberal professions, residents in Algeria or abroad.
  • A steady monthly income greater than:
    • 25.000 DZD for employees;
    • 60.000 DZD for liberal professions.

Les crédits à la Consommation Super -ABC

2. Consumer Credit Super-ABC « Carousty & Moumkin »: ​

Is a credit for financing vehicles (Carousty) and consumer goods (Moumkin) eligible under the regulations in Current bank conditions.

 

2.1 Credit Super-ABC « Carousty »:

You dream of buying your first vehicle?

You need to change vehicles?

Bank  ABC Algeria offers the credit “CAROUSTY”; get behind the wheel of your car:

Is a consumer credit intended for financing of a new passenger car of Algerian production, according to the regulation in force fixing the activities and ranges of products eligible for the consumer credit.

  • Financing up to 90%.
  • Duration of credit: 24 to 60 months.
  • Amount of credit: Min 500.000 DZD - Max 4.500.000 DZD.​

Eligibility:

  • Any permanent employee resident in Algeria between the ages of 21 and 60.
  • Minimum monthly income of 25.000 DZD.
  • Wishing to acquire an eligible passenger car according to the regulations in Current bank conditions.​

  

2.2 Credit Super-ABC « Moumkin»:

You need a phone, computer, TV ...?

You have chosen your appliance, your decoration ...?

Bank ABC Algeria offers the credit “Moumkin”, and everything becomes possible:

Is a consumer credit allowing households to finance products manufactured by companies engaged in a production activity on the national territory.

  • Financing up to 100%.
  • Duration of credit: 6 to 36 months.
  • Credit amount: Min 50.000 DZD - Max 1.000.000 DZD.

Product ranges financed by the Credit “MOUMKIN”:

  • Computers, other computer equipment and accessories, tablets, smartphones.
  • Furniture, equipment kitchens, bathroom ... etc.
  • Electrical appliances, various electrical appliances.

- Eligibilité:

  • Any permanent employee residing in Algeria between the ages of 21 and 60 at the last due date.
  • Minimum monthly income of 25.000 DZD.
  • Committing to domiciliary income at our counters.​
  • Wishing to acquire goods manufactured by local companies according to the regulations in Current bank conditions.

 

 

>> Other Products and Services
  • Safe-boxes Rental: Your confidence, our vocation.

    To deposit your values, Bank ABC Algeria provides you with Safe-boxes of various sizes according to your needs.

  • Manual change

    For your foreign exchange transactions, Bank ABC Algeria assures you the transactions of sales / purchases currencies with conversion into dinars or other currencies according to the regulation in current bank conditions.​

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