Compare savings & fixed deposit rates in Cameroon

By the Rateweb editorial team · How we rate · Product details checked 2 Aug 2026

Compare interest on savings accounts and fixed deposits from banks in Cameroon. Only deal with licensed deposit-taking institutions. Rates shown are indicative — confirm the current rate with the provider before opening.

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Savings-to-loan route

Société Générale Cameroun — Classic Saving Account & Acajou Saving Plan

Société Générale Cameroun offers three distinct savings shapes: a Classic Saving Account for money you want to keep available, the Acajou Saving Plan which builds capital with interest towards a loan at term, and a cash voucher (bon de caisse) for locked-away funds. The bank is named on the BVMAC list of licensed Cameroonian banks and on the MINFI/DGTCFM approved-institutions overview.
★★★★☆
4.1/5 · How we rate
Not published on the product pages; see the bank's tariff conditions
Monthly Fee
Licensed Cameroonian commercial bank — named on the BVMAC list of banques agréées and on the MINFI/DGTCFM approved-institutions overview
Licence
Savers who want a clear ladder from instant-access to term money
Best For
bank
Type
Pros
  • Three genuinely different products rather than one account with tick-boxes: instant access, a structured plan, and a term voucher.
  • The Acajou plan explicitly links saving to future borrowing capacity, which suits a planned purchase.
  • Sits with a bank whose licence status you can verify on published Cameroonian registers.
Cons
  • No interest rates published anywhere on the site — you cannot compare returns before you enquire.
  • Term products lock your money; in a market where prices can move, availability matters as much as yield.
  • Opening is branch-based, with NIU paperwork required first.
Fees, eligibility & documents
Fees
Account-keeping feeSet out in the bank's tariff conditions; not published on the savings pages
Early withdrawal from a term productTerms are set in the cash-voucher contract; ask what you forfeit before you subscribe
Eligibility
  • Cameroonian resident individual
  • Unique Identification Number (NIU)
  • Existing or new relationship with the bank
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Proof of address
Visit Société Générale Cameroun

BICEC — Épargne & Placement (Optima, Junior, Bon de Caisse)

BICEC groups its savings and investment products under Épargne & Placement, including Bicec Optima, a Bicec Junior account for children, Bicec Immo for property goals and bons de caisse as term certificates. BICEC is named on the BVMAC list of licensed Cameroonian banks and on the MINFI/DGTCFM approved-institutions overview.
★★★★☆
4.0/5 · How we rate
Not published online; BICEC refers savers to its grille tarifaire
Monthly Fee
Licensed Cameroonian commercial bank — named on the BVMAC list of banques agréées and on the MINFI/DGTCFM approved-institutions overview
Licence
Goal-based saving, including saving for a child or towards a property
Best For
bank
Type
Pros
  • Goal-shaped range rather than one generic pot — a children's account, a property account and a term certificate are separate products.
  • Term certificates (bons de caisse) give you a defined-maturity option inside the same bank.
  • Savings sit alongside BICEC's school-credit and mortgage lending, which helps if the saving is a deposit for a later loan.
Cons
  • No published interest rates on any of the savings products.
  • French-only product pages.
  • Deposit-protection arrangements are not explained on the site, so savers get no reassurance at the point of decision.
Fees, eligibility & documents
Fees
Account-keeping feePublished in BICEC's grille tarifaire, not on the product pages
Term-certificate termsSet in the bon de caisse contract; ask about early exit before subscribing
Eligibility
  • Cameroonian resident individual; a parent or guardian opens Bicec Junior on a child's behalf
  • Unique Identification Number (NIU)
  • Branch account opening
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Child's birth certificate for a Junior account
  • Proof of address
Visit BICEC

Access Bank Cameroon — Savings & Early Savers

Access Bank Cameroon runs a set of segmented savings accounts, including an Early Savers account for children under 18, an individual savings account for adults from 21, a Solo Student account for full-time students aged 18 to 30, and interest-yielding Saver accounts. Standard Chartered's own site now directs Cameroon customers to Access Bank Cameroon.
★★★★☆
3.9/5 · How we rate
Not published on the site; Access Bank Cameroon publishes downloadable Banking Conditions
Monthly Fee
Operating commercial bank in Cameroon; Standard Chartered's own site directs Cameroon customers here. Licence documentation is not displayed on the bank's homepage
Licence
Families and students who want an age-segmented savings account
Best For
bank
Type
Pros
  • Genuinely age-segmented: separate products for children, students and adults rather than one account with a label change.
  • Publishes a downloadable Banking Conditions document, which is more transparent than most peers in this market.
  • English-language site, which is unusual and valuable for anglophone Cameroonians.
Cons
  • Interest rates are not shown on the product listing, so the 'interest yielding' claim cannot be compared.
  • Age gates are strict — the adult savings account is described as for 21 and over, leaving an awkward gap for non-students aged 18 to 20.
  • The bank's regulatory standing is not displayed on its own site, so you should confirm it directly before making a large deposit.
Fees, eligibility & documents
Fees
Account-keeping feeSet out in the downloadable Banking Conditions; not shown on the product pages
Interest paidSaver accounts are described as interest-yielding; the rate is not published
Eligibility
  • Early Savers: child under 18, opened by a parent or guardian
  • Individual savings account: from age 21; Solo Student: full-time student aged 18–30
  • Cameroonian identification and NIU
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Child's birth certificate for Early Savers
  • Valid student card for Solo Student
Visit Access Bank Cameroon

Advans Cameroun — Savings Account

Advans Cameroun is a microfinance institution founded in 2007 that offers current and savings accounts shaped for professional, personal and family use, alongside its lending. It states 14 branches plus around ten commercial partner points across Cameroon.
★★★★☆
3.8/5 · How we rate
Not published on the site
Monthly Fee
Describes itself as a Cameroonian microfinance institution (EMF); no COBAC, MINFI or EMF category statement appears on its own site
Licence
Traders, artisans and small-business owners who are underserved by the big banks
Best For
mfi
Type
Pros
  • Built for customers the mainstream banks tend to skip — traders, artisans and small businesses — with account terms shaped around them.
  • Savings sit next to a working-capital lender, so the saving relationship can support later borrowing.
  • Mobile access via Advans Money (#150*7711#) rather than requiring a branch visit for every movement.
Cons
  • Microfinance deposits are not the same as bank deposits; the site says nothing about deposit protection, so confirm what applies before you commit meaningful savings.
  • No published interest rates, minimums or fees.
  • No licence or supervisory statement on the site, which is a gap you should close yourself before depositing.
Fees, eligibility & documents
Fees
Account feesNot published; request the tariff schedule from a branch
Interest paidNot published on the site
Eligibility
  • Cameroonian resident individual or small-business owner
  • Valid identification and NIU
  • Branch onboarding at one of its Cameroonian points of service
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Proof of address or business activity
Visit Advans Cameroun
Widest MFI counter network

Express Union Finance — Savings

Express Union Finance SA is a second-category microfinance institution created in 1997, best known for domestic transfers, which also sells savings and financing products across more than 200 service points. Its own site states its second-category EMF status.
★★★★☆
3.8/5 · How we rate
Not published on the site
Monthly Fee
States on its own site that it is a second-category microfinance institution (EMF) under Cameroonian law
Licence
Savers outside the big cities who need counters open long hours
Best For
mfi
Type
Pros
  • Very wide counter network — over 200 service points, with evening windows and Sunday opening, which few banks match.
  • States its EMF category openly, which is more than most Cameroonian microfinance sites do.
  • Savings, credit and transfers under one relationship, useful if you already use it to receive money.
Cons
  • Microfinance savings carry different risk from bank deposits; the site gives no deposit-protection information.
  • No published interest rates, minimum balances or fees on any savings product.
  • The brand's centre of gravity is transfers, not long-term saving — the savings shelf is thin by comparison.
Fees, eligibility & documents
Fees
Savings account feesNot published on the site; ask at a counter
Interest paidNot published on the site
Eligibility
  • Cameroonian resident individual
  • Valid identification and NIU
  • Registration at one of its service points
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Proof of address
Visit Express Union Finance
Member-owned

CamCCUL Network — Credit Union Savings

CamCCUL (Cameroon Cooperative Credit Union League) is a league of affiliated cooperative credit unions rather than a bank you join directly — you become a member of a local affiliated credit union, which offers savings, loans, transfers and financial education. Its own site references COBAC engagement with the league's restructuring plan.
★★★★☆
3.9/5 · How we rate
Set by each affiliated credit union, not by the league
Monthly Fee
A credit-union league / microfinance network; COBAC engagement is referenced on CamCCUL's own site. Individual affiliates are separately licensed microfinance institutions — verify the specific union you join
Licence
Rural and community savers who want member-owned finance close to home
Best For
mfi
Type
Pros
  • Member-owned cooperative model, so savers are owners rather than customers — a genuinely different proposition in this market.
  • Strong rural presence and a stated commitment to financing agriculture, where bank cover is thinnest.
  • The league provides audit, compliance oversight and capacity-building to its affiliates, which adds a layer of scrutiny above a standalone MFI.
Cons
  • You cannot open an account with CamCCUL itself — terms, rates and service quality vary by affiliated union, so 'CamCCUL' is not one product.
  • No rates, fees or minimums are published at league level.
  • Cooperative savings are not bank deposits; check what protection, if any, applies to the specific union before you commit.
Fees, eligibility & documents
Fees
Membership and share contributionsSet by each affiliated credit union; ask locally
Savings and transfer feesSet by each affiliated credit union; not published at league level
Eligibility
  • Meet the membership requirements of a local affiliated credit union
  • Valid Cameroonian identification and NIU
  • Groups and microfinance organisations may also affiliate to the network
Documents needed
  • National identity card or passport
  • Unique Identification Number (NIU)
  • Proof of address or community standing as required by the local union
Visit CamCCUL

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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