FAQs

The Bank ABC Group was legally constituted in 1980 by decree of the Emir of Bahrain. It settled in Tunisia in 1993 through its Offshore branch followed by its onshore subsidiary In year 2000 with a presence in the market mainly in Tunis, Sousse and Sfax.

Bank ABC is one of the largest banking groups in the MENA region headquartered in the Kingdom of Bahrain with branches and offices in five continents around the world.

The main shareholders of Bank ABC are the Kuwait Investment Authority, the Central Bank of Libya and the Abu Dhabi Investment Authority (ADIA).

Bank ABC currently has 16 branches, 13 of which are located in TUNIS, 2 in Sousse, and 1 in Sfax.

• A. For Private Individuals:

1.1. You are a resident or non-resident Tunisian?

• Deposit account:

The deposit account gives you access to a full range of products and services necessary for daily management and follow-up of your bank accounts.

The means of payment associated with your deposit account are debit cards and checks.

Through your deposit account, you can make your payment transactions in cash, by check, by transfer, by cash withdrawal, pre-authorized payment by direct debit (telephone, gas and electricity bills, etc.).

1.2. You are a non-resident or a resident foreigner in Tunisia and you have income in foreign currency?

You want to deposit your money in foreign currency in Tunisia, while freely withdrawing it at any time in Tunisia or abroad? Several accounts are adapted to your needs:

• The special foreign currency accounts or accounts in convertible dinars:
  You are resident in Tunisia?

The special foreign currency accounts or accounts in convertible dinar allow you to deposit your income earned abroad. It enables you to meet your commitments in Tunisia or abroad, in dinar or in any other currency.

• The Non-Resident Internal Account:
  You are a non-resident person and you have an income in Tunisia?

The Non-Resident Internal Account allows you to manage your income in Tunisia and to transfer part of it at any time abroad as a payroll savings.

• The account in convertible Dinars:
  Are you a non-resident in Tunisia?

The account in Convertible Tunisian Dinar allows you to deposit transferable funds, which will be available at any time in Tunisia or abroad in the currency of your choice.

• Foreign currency accounts:
  Are you a non-resident in Tunisia?

The foreign currency account allows you to deposit and manage your transferable funds without being exposed to currency exchange risk.

• B. For Professionals and SMEs:
1. The current account:
• The current account gives you access to a full range of essential products and services for managing and tracking your bank accounts on a daily basis.
• The means of payment associated with your current account are debit cards and checks.
• you can make your payment transactions in cash, check payments, transfers, cash withdrawals, pre-authorized bank payments ...
• You benefit from the advantage of the availability of your money at any time, in complete security
2. The account in convertible dinars:

Are you a company/ a professional non-resident in Tunisia?

• The convertible Tunisian Dinars account allows you to deposit your transferable funds, which will be available at any time in Tunisia or abroad in the currency of your choice.
3. Foreign currency account:

Are you a company/ a professional non-resident in Tunisia?

• The foreign currency account allows you to deposit and manage your transferable funds without being exposed to currency risk.
4. The service provider account:

The service provider account is dedicated to Tunisian professionals residing in Tunisia: deposits are in foreign currency from services provided to non-residents established outside Tunisia.

• A. Individual: Employee / Retired or other:
1. Form « Account Opening" signed by the client
2. Form “Know Your Customer - KYC” signed by the client
3. ID copy for Tunisians/ valid residence card or passport for foreigners
4. Deposit account agreement signed by the client
5. Proof of work
6. Proof of residency (for non resident individuals and residents whose adresses are different from the ones on their ID cards) Electricity, water or landline bill, or lease agreement
7. Reference letter or bank statement for the last 3 months or similar document provided by the client's bank in his country of residence (for non-resident individuals)
8. Three last payslips, at least one / last 3 pension cards at least one.
• B. Individual / Trader
1. Form « Account Opening" signed by the client
2. Form “Know Your Customer - KYC” signed by the client
3. Extract from the Commercial Register
4. ID copy for Tunisians/ valid residence card or passport for foreigners
5. Three last payslips or any other document justifying the source of funds (non applicable for unbanked customers)
• C. Individual exercising a liberal profession
1. Form « Account Opening" signed by the client
2. Form “Know Your Customer -KYC” signed by the client
3. ID copy for Tunisians/ valid residence card or passport for foreigners
4. Copie of the professional card
5. Three last payslips or any other document justifying the source of funds (non applicable for unbanked customers)
• D. Minor
1. Form « Account Opening" signed by the client;
2. Form “ Know Your Customer -KYC” signed by the client
3. Birth certificate of the minor
4. Copie of the ID of the legal tutor (father, mother, or a person mandated by court order)

• CLASSIC Card : National/International(private)

The VISA CLASSIC card is a debit and payment card that is operational in Tunisia and abroad. The card provides various services, such as insurance and assistance for you and your family in the event of illness, accident or death while traveling abroad.

• GOLD Card :National/International(private and professionals)

The VISA GOLD card gives you access to highly customized services and provides you with a customized spending ceiling, both in Tunisia and abroad.

Various services are associated to the card, such as insurance and assistance for you and your family in case of theft or loss of the card and in case of illness, accident or death occurring during a trip in Tunisia or abroad.

• PLATINUM BUISNESS Card :National/International(professionals)

The VISA PLATINUM BUSINESS Card is a debit and payment card, available in two variants: National and International.

This card is particularly addressed to a business-oriented customer segment including business leaders and senior executives who are required to travel abroad or incur expenses on behalf of their companies.

• INFINITE Card : National/International (private)

The VISA INFINITE card is a prestige bank card for a high-end private clientele. It offers privileged benefits, adapted and customized ceilings, high-performance insurance and a concierge service available without interruption.

• Epargne ++

Epargne ++ is a savings account allowing subscribers to receive remuneration that changes according to the amount deposited.

• Fidélité Savings Account

The Epargne Fidélité account is a profitable, secure and available savings account that is remunerated based on the rate of return on savings fixed by the Central Bank of Tunisia.

The Epargne Fidélité account enables you to accumulate and save money.

• Children Savings Account

The Epargne Enfants (Children Savings Account) is a simple and safe special savings account for young people starting from birth until the age of majority (between 0 and 12 years old).

It introduces them to the money concept and makes them develop a savings culture at a very early age.

• The Premium Home Savings Plan (duration :20 ans)

The PREMIUM Home Savings Plan is essentially a savings product offering the client an important remuneration of the saved amount, and possibly allowing him/her, after file study and under certain conditions set by the Bank under the Real Estate saving plan PREMIUM contract, to benefit from a complementary loan supplementing his/her savings to obtain a mortgage loan for: purchasing a parcel of land, buying a house, the construction of a house, and the extension or improvement of your house.

Bank ABC offers a wide range of banking and financial services: credit operations, project funding and structured finance, syndications, treasury products and foreign trade financing solutions as well as all forms of correspondent banking services.​

Bank ABC also offers a broad range of retail banking products and services to retail and professional clients, including consumer loans and mortgages, operating loans and investment loans, as well as off-balance sheet commitments.

1. Retail Products:
   • ABC Digital:

   ABC Digital is a remote banking solution, through which you can have access to your accounts in consultation and transaction mode via the internet using a PC, tablet or smartphone.

   • SAFARI insurance:

   Assistance insurance for travel abroad "SAFARI" is a service delivered to any person residing in Tunisia facing difficulties during their trip abroad, as a result of a fortuitous and unexpected event.The SAFARI insurance offers you the possibility to take out a temporary or annual, individual or family travel insurance.

   • Overdraft:

   OVERDRAFT is a product intended to provide the customer with a one-time advance on his monthly income with the obligation to cover his debit at least once every month.

2. Consumer Loans:(duration between 3 and 7 years)
• ​PERSO loan: (3 years)

PERSO loan is a consumer loan granted to customers to satisfy their current needs. It is used to finance current expenditures such as the purchase of furniture, household appliances, tuition, travel, wedding expenditures ...

• TAJDEED loan: (5 years)

TAJDEED loan is a consumer loan dedicated to the financing of extension or improvement works of the client's property reaching 80% of the total amount of the submitted quote.

• AUTO loan: (7 years)

AUTO loan is a consumer loan intended for the purchase of a new or used vehicle for private use.

3. Mortgage loans:(duration : 15 years)
   • IMMO loan:

   IMMO loan is a mortgage loan that offers clients funds repayable over a period of 15 years for the purchase of real estate property with a property title registered at the CPF.

   • PROPRI-IMMO loan:

   PROPRI-IMMO loan is a mortgage loan enabling the customer to finance the purchase of an apartment from a property developer without the obligation of extracting an individual property title.

   • ARDH loan:

   ARDH loan is a mortgage loan that provides clients with funds enabling them to:

   • Purchase a parcel of land in a residential area with a property title registered at the CPF and a mortgage to Bank ABC.
   • Repurchase of our client’s outstanding loans from another bank previously used for the purchase of a land for residential use. This property shall be mortgaged to Bank ABC.
   • Repurchase of the seller’s commitments, which are the subject of a mortgage on the land to be sold, and enable the customer to purchase the land and mortgage it to Bank ABC.
   • CONSTRUCTION loan:

   Construction loan is a mortgage loan that provides clients with 15-year repayable funds for the construction of their residence; whether it is a construction on bare ground or an existing construction.

   • TAJDEED PLUS loan:

   TAJDEED PLUS loan is a mortgage loan enabling clients to benefit from funds repayable over a period of 15 years intended for:

   • The renovation or extension of their residence (the property to be financed must be for residential and non-commercial use);
   • Repurchase of outstanding mortgage or non-mortgage customer loans from other banks (External Repurchase) or from Bank ABC Tunisia (Internal Repurchase).
   • Improvment works financed by the requested TAJDEED PLUS loan must be executed on the same property subject of the mortgage.
   • IMMO TRE loan:

   IMMO-TRE loan is intended to provide Tunisian Residents Abroad with funds to: finance the purshase of a villa, an apartment or a parcel of land for residential use from a private individual or a property developer. The repurchase of mortgage loans from other banks provided that the property, subject of the mortgage, is for residential use.

You can report the loss immediately to your agency to block the card in question;
You can benefit from the SMT customer service hotline 24 hours a day, 7 days a week, by calling +216 71 155 800.

Using your ID card, you can pick up your card from the agency where the ATM is located or at headquarters when it is a non Bank ABC ATM.

You can contrast a check or a checkbook only in case of loss, theft or fraudulent use without delivery. And must do so as soon as possible from your Agency.