Fixed Deposit – PANIER D’OR

Explore premium fixed deposit rates

Experience financial empowerment with our fixed deposit accounts offering competitive interest rates

Special, high interests rates on your deposit

Experience financial empowerment with our fixed deposit accounts.

  • Your Account Your Choice: Select an account tailored to specific goals within a defined timeframe that aligns with your objectives.

  • Lock-In: Experience a lock-in period where funds are inaccessible until the chosen term expires, with the option to unlock if needed. Deposit options are available at all our branches.

  • Made for Savers: Ideal for individuals and businesses committed to long-term savings without frequent withdrawals.

  • Interest Accumulation: Watch your funds grow through high-interest accumulation, ensuring your money multiplies effectively.

  • Peace of Mind: Maintain constant control over your finances and manage your funds according to your preferences.

Account opening requirements

Follow the specified requirements to open a PANIER D’OR account

  • Age Eligibility: Accessible to individuals aged 18 and above.

  • Identity Verification: Present a valid ID card (voter card, passport, driver’s license, student card) for accurate KYC information.

  • Term Deposit Account: Discover the advantages of a secure fixed deposit account offering rewarding savings options.

  • Photo Capture: Have your passport photo taken on-site for added convenience.

  • Minimum Opening Balance: Begin your journey with a minimum initial deposit of 100 USD in US dollars or 80,000 FC in Congolese francs for the term account.

  • Deposit options: Effortlessly deposit funds through bank counters.

  • Balance Inquiry: Access your account balance with ease.

  • Competitive and Fixed Interest Rates: Benefit from fixed interest rates of up to 6.5% per year in US dollars and 14% per year in Congolese francs.

Competitive fixed deposit accounts

Optimize your financial growth effortlessly by leveraging our fixed deposit accounts, featuring competitive interest rates.

  • Flexible Fixed Periods: Choose flexible fixed periods ranging from 1 to 12 months to suit your savings goals.

  • No Management Fees: Experience the convenience of no account management fees.

  • Access at Maturity: Retrieve your funds seamlessly upon maturity of the deposit.

  • Liquidation or Renewal: Choose between liquidating or renewing the deposit upon expiration.

  • Collateral for Loan Facilities: Utilize the deposit as collateral for various loan facilities.

  • Account Transactions and Transfer Limits: Explore diverse transactional features and set customized transfer limits according to your financial preferences.

Application process: step by step

Experience an application process built on trust, efficiency, and your unique needs.

  • 1

    Initiate Online: Start the account opening process by visiting the FINCA website or using the mobile app. Provide the required information and initiate the account creation from the comfort of your home.

  • 2

    Customer Service Assistance: After initiating online, connect with our customer service team through chat or phone. They will guide you through any additional steps, verify details, and answer queries.

  • 3

    Verification and Registration: Complete necessary verifications online and submit required documentation digitally. The registration process includes securely capturing your identity details.

  • 4

    First Deposit: Head to the nearest FINCA branch to make your initial deposit. Our staff will assist you in finalizing the account setup, ensuring a smooth transition to an active account status.

Start your application

Applying is a straightforward and convenient process.


Frequently Asked Questions

If you don’t have a valid card, please provide a certificate of loss, accompanied by an official state document with your full name, such as a diploma or school certificate. This will help us verify your identity securely.

Our fee schedule outlines the interest rates applied to any amount, and you can find this information at your nearest branch. We’re committed to transparency and providing you with the details you need.

Yes, you have the option to withdraw from your blocked account before its expiry. However, it’s important to note that this action comes with the risk of losing the interest already accrued. If you have any specific concerns or questions, feel free to reach out to our customer service team for guidance.

We are always happy to talk!

Request a callback.