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10 000 FCFA
  • Account Management Fees0 FCFA / year
  • Interoperability with mobile payment operators.
  • Bank credit Not eligible
  • Minimum Balance on EPARGNE account 10 000 FCFA
  • Nano-ready in 20 seconds.
  • Discount on certain purchases at merchants
  • Savings/Investment Remuneration of savings at a rate of 4% per year
  • Personalized phone line for customer service NOT AVAILABLE
  • Online support (Chatbot 24/7, social networks)
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10 000 FCFA
  • Account Management Fees 3 Months offered with the purchase of the card and 1500 FCFA/month from the 4th month
  • Interoperability with mobile payment operators.
  • Bank credit Eligibility according to the credit profile between 30,000 to 200,000 FCFA.
  • Minimum Balance on EPARGNE account 10 000 FCFA
  • Nano-ready in 20 seconds.
  • Discount on certain purchases at merchants
  • Savings/Investment Remuneration of savings at a rate of 4% per year
  • Personalized phone line for customer service NOT AVAILABLE
  • Online support (Chatbot 24/7, social networks)
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18 000 FCFA
  • Account Management Fees2800 Fcfa / mois
  • Interoperability with mobile payment operators.
  • Bank credit Eligibility according to the credit profile between 50,000 and 15,000,000 FCFA.
  • Minimum Balance on EPARGNE account 10 000 FCFA
  • Nano-ready in 20 seconds.
  • Discount on certain purchases at merchants
  • Savings/Investment Remuneration of savings at a rate of 5% per year
  • Personalized phone line for customer service AVAILABLE
  • Support en ligne (Chatbot 24/7, social networks))
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20 000 FCFA
  • Account Management Fees2500 Fcfa / mois
  • Interoperability with mobile payment operators.
  • Bank credit Eligibility based on business need and credit report.
  • Minimum Balance on EPARGNE account 10 000 FCFA
  • Nano-ready in 20 seconds.
  • Discount on certain purchases at merchantsDiscount on certain purchases at merchants
  • Savings/Investment Remuneration of savings at a rate of 5% per year
  • Personalized phone line for customer service AVAILABLE
  • Online support (Chatbot 24/7, social networks)
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Detailed comparative

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TARGET Occasional/Unique Users looking for a reliable, secure and international e-wallet
  • People looking for a card with the characteristics of a bank account
  • Other individual applicants for a current checking account (excluding employees)
  • VIP
  • Politically Exposed Persons
  • Administrators
  • Businessmen
  • Celebrities
  • Expatriates
  • Diaspora
  • Auto-Entrepreneurs/Business Leaders
  • Accounts for legal entities (companies, associations, NGOs, cooperatives, etc.)
Initial cost of subscribing to the pricing plan (including a physical card and a virtual card) 10 000 FCFA 10 000 FCFA 18 000 FCFA 20 000 FCFA
Account Management Fees 0 Fcfa/year 3 Months offered with the purchase of the card
1500 FCFA/month from the 4th month
 2800 Fcfa/month 2500 Fcfa/month
Reproduction of PHYSICAL cards lost, stolen or damaged before expiry date 10 000 FCFA 10 000 FCFA 18 000 FCFA 20 000 FCFA
Withdrawal fees Frais de retrait
Free withdrawals at all UBA ATMs and Paid withdrawals at all MIQO service points
Paying on the ATMs of other banks at the rates set by them
Paid for transfers to mobile wallets on the terms of telecom operators
Invoice payment fees (CAMWATER, ENEO, CANALSAT, ETC ...) 1% of the amounts spent on bill payments from 1000 FCFA 1% of the amounts spent on bill payments from 1000 FCFA Free (No fees) 1% of the amounts spent on bill payments from 1000 FCFA
Minimum Deposit upon account opening/account activation 0 FCFA
Recharge/Deposit Fees
Free at all MIQO service points
Paying for transfers from mobile wallets on the terms of telecom operators
Minimum Balance on EPARGNE account 10 000 FCFA
Balance Closing of the SAVINGS account 10 000 FCFA
Bank credit Not eligible Eligibility according to the credit between 30,000 and 200,000 FCFA. Eligibility according to the credit profile between 50,000 and 15,000,000 FCFA. Eligibility based on business need and credit report.
Nano-ready in 20 seconds Automatic credit approval and possibility of increase in use up to a maximum of 25,000 CFA francs Automatic credit approval of 1000 FCFA on the purchase of the card and possibility of increase in use up to a maximum of 50,000 FCFA Automatic credit approval of 1000 FCFA on the purchase of the card and possibility of increase in use up to a maximum of 99,999 FCFA Automatic credit approval of 1000 FCFA on the purchase of the card and possibility of increase in use up to a maximum of 99,999 FCFA
Avalist credit YES YES YES YES
Savings/Investment Remuneration of savings at a rate of 4% per year Remuneration of savings at a rate of 4% per year Remuneration of savings at a rate of 4% per year Remuneration of savings at a rate of 4% per year
Monthly reload and withdrawal limits LIMIT SET BY UBA, THE TRANSMITTER OF ELECTRONIC MONEY LIMIT SET BY UBA, THE TRANSMITTER OF ELECTRONIC MONEY LIMIT SET BY UBA, THE TRANSMITTER OF ELECTRONIC MONEY LIMIT SET BY UBA, THE TRANSMITTER OF ELECTRONIC MONEY
Chequebook Not available Available Available Available
RIB Not available Available Available Available
Card inactivity fee after 6 months without transaction 1000 FCFA 1000 FCFA 500 FCFA 500 FCFA
Commercial offers from partners YES YES YES YES
Discount on certain purchases at merchants (Hotels, Restaurants, Cinemas, Car rental, Swimming pools, transport tickets, supermarkets... etc.) NO YES YES YES
Personalized phone line for customer service YES YES YES YES
Online support (Chatbot 24/7, social networks) YES YES YES YES
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