cbe

USD
44.4074
45.2955
,
GBP
58.9316
60.1102
,
EUR
52.7604
53.8156
,
CHF
46.8194
47.7558
,
SEK
4.6847
4.7784
,
NOK
4.5733
4.6648
,
DKK
6.4197
6.5481
,
DJF
0.2467
0.2516
,
JPY
0.367
0.3743
,
CAD
32.2542
32.8993
,
SAR
10.7158
10.9301
,
AED
10.9405
10.9405
,
XAF
0.012
0.0122
,
INR
,
KES
,
AUD
29.615
30.2073
,
SDR
,
ZAR
,
CNY
6.2188
6.3432
,
KWD
141.1204
143.9428

awash

USD
44.4074
45.2955
,
EUR
52.7604
53.8156
,
GBP
61.7085
62.9427
,
CAD
35.64
36.3528
,
AED
12.0889
12.3307

abyssinia

USD
44.4074
45.2955
,
GBP
58.9316
60.1102
,
EUR
52.7604
53.8156
,
AED
10.9405
11.1593
,
NOK
4.5733
4.6648
,
SAR
10.7158
10.9301
,
SEK
4.6847
4.7784
,
CAD
32.2542
32.8993

abay

zemen

buna

USD
44.4074
45.2955
,
GBP
58.9316
60.1102
,
CHF
46.8194
47.7558
,
SEK
4.6847
4.7784
,
NOK
4.5733
4.6648
,
DKK
6.4197
6.5481
,
JPY
0.367
0.3743
,
CAD
32.2542
32.8993
,
SAR
10.7158
10.9301
,
AED
10.9405
11.1593
,
EUR
52.7604
53.8156
,
CNY
6.2188
6.3432
,
AUD
29.615
30.2073
,
KWD
141.1204
143.9428

nib

GBP
58.9316
60.1102
,
EUR
52.7604
53.8156
,
CHF
46.8194
47.7558
,
CAD
32.2542
32.8993
,
SEK
4.6847
4.7784
,
AED
10.9405
11.159311
,
SAR
10.7158
10.9301
,
ZAR
3.0631
3.1243
,
JPY
0.367
0.3743
,
KES
0.4056
0.4138
,
DJF
0.2467
0.2516
,
INR
0.5932
0.6051
,
CNY
6.2188
6.3432
,
DKK
6.4197
6.5481
,
NOK
4.5733
4.6648
,
AUD
29.615
30.2073
,
USD
44.4074
45.2955

berhan

USD
42.6401
43.4929
,
EUR
52.0678
53.1092
,
GBP
57.7916
58.9474

wegagen

USD
44.4074
45.2955
,
GBP
58.9316
60.1102
,
EURO
52.7604
53.8156
,
CAD
32.2602
32.9054
,
AUD
29.615
30.2073
,
CHF
46.7563
47.6914
,
SEK
4.685
4.7787
,
NOK
4.5734
4.6649
,
DKK
6.418
6.5464
,
DJF
0.2467
0.2516
,
INR
0.5964
0.6083
,
KSH
0.4081
0.4163
,
JPY
0.3661
0.3734
,
SAR
10.7046
10.9187
,
AED
10.9291
11.1477
,
ZAR
3.0477
3.1087
,
CNY
6.2125
6.3368
,
KWD
140.8454
143.6623

dgb

USD
44.3046
45.1907
,
GBP
61.8271
63.0636
,
EUR
52.6029
53.655
,
CHF
48.7614
49.7366
,
CAD
35.5575
36.2687
,
AUD
32.7367
33.3914
,
SEK
5.1737
5.2772
,
NOK
5.0619
5.1631
,
DKK
7.0729
7.2144
,
DJF
0.2461
0.251
,
INR
0.5967
0.6086
,
KSH
0.4076
0.4158
,
JPY
0.4036
0.4117
,
SAR
11.8127
12.049
,
AED
12.0606
12.3018
,
ZAR
3.0342
3.0949
,
CNY
6.8572
6.9943
,
KWD
147.2508
150.1958

enat

USD
44.4074
45.2955
,
EUR
52.7604
53.8156
,
GBP
61.7085
62.9427
,
CHF
49.0256
50.0061
,
SEK
5.1765
5.28
,
NOK
5.0534
5.1545
,
DKK
7.0936
7.2355
,
KES
0.4083
0.4165
,
JPY
0.4055
0.4136
,
DJF
0.2467
0.2516
,
CAD
35.64
36.3528
,
AUD
32.7238
33.3783
,
SAR
11.8407
12.0775
,
AED
12.0889
12.3307
,
ZAR
3.0831
3.1448
,
CNY
6.8716
7.009

addis

EUR
52.6029
53.655
,
GBP
59.0449
60.2258
,
USD
44.3046
45.1907

nbe

KWD
126.8085
129.34467
,
CNH
5.6258
5.738316
,
ZAR
2.6751
2.728602
,
AED
9.9063
10.104426
,
SDR
57.7908
58.946616
,
EUR
48.4016
49.369632
,
CAD
28.7765
29.35203
,
AUD
28.3265
28.89303
,
JPY
0.3389
0.345678
,
SAR
9.7001
9.894102
,
INR
0.5525
0.56355
,
DJF
0.2234
0.227868
,
KES
0.3664
0.373728
,
DKK
5.8896
6.007392
,
NOK
4.2714
4.356828
,
SEK
4.3114
4.397628
,
CHF
41.5822
42.413844
,
GBP
53.539
54.60978

dashen

USD
44.4074
45.2955
,
GBP
58.9316
60.1102
,
CHF
46.8194
47.7558
,
SEK
4.6847
4.7784
,
NOK
4.5733
4.6648
,
DKK
6.4197
6.5481
,
JPY
0.367
0.3743
,
CAD
32.2542
32.8993
,
SAR
10.7158
10.9301
,
AED
10.9405
11.1593
,
EUR
52.7604
53.8156
,
DJF
,
INR
,
KES
,
AUD
,
ZAR
,
CNY

oromia

USD
44.4074
45.2955
,
EUR
52.7604
53.8156
,
GBP
61.7085
63.9427
,
SAR
11.8407
12.0775
,
CHF
49.0256
50.0061
,
AED
12.0889
12.3307

lion

USD
44.3622
45.2494
,
GBP
59.1471
60.33
,
EUR
52.7422
53.797

coop

Enat Bank Review

Enat Bank

7.8

Enat Bank

Women Banking

SME Banking

Enat Bilhat

Women Financing

Special Financing for Women

Pros and Cons

Women individuals & women-owned businesses can utilize many services
Loans are much more flexible when women apply for such advances and loans
A diversified board of directors that reaches out to its customers’ expectations
  • Low integration of E-Banking with local vendors & businesses

    Enat Bank Information

    Contact Information

    Diaspora Benefits

    • Optional Diaspora Deposit Accounts
    • Automobile Loan
    • Mortgage Loan
    • Working Capital Loan
    • Consumer Loan

    Internet Banking

    • Can Check Balance
    • Can Transfer Money
    • View Account Statement
    • Can Control Progress
    • Can Pay Bills Online

    Mobile Banking

    • Mobile Application
    • Balance Inquery
    • USSD Application
    • Mobile Top Up
    • Money Transfer

    Loan Interest

    • Personal Automible Loan 14.5
    • Diaspora Mortgage Loan 14
    • Corporate Loan 14.5
    • Investment Loan 14.5
    • Working Capital Loan 14.5

    Saving Interest

    • Personal Saving 7%
    • Women Saving 7.5%
    • Youth Saving 7.5%
    • Teen Saving 7.5%

    Enat Bank Exchange Rate

    code name buying buyingTrend selling sellingTrend
    USD United States Dollar 44.4074 45.2955
    EUR Euro 52.7604 53.8156
    GBP British Pound Sterling 61.7085 62.9427
    CHF Swiss Franc 49.0256 50.0061
    SEK Swedish Krona 5.1765 5.28
    NOK Norwegian Krone 5.0534 5.1545
    DKK Danish Krone 7.0936 7.2355
    KES Kenyan Shilling 0.4083 0.4165
    JPY Japanese Yen 0.4055 0.4136
    DJF Djiboutian Franc 0.2467 0.2516
    CAD Canadian Dollar 35.64 36.3528
    AUD Australian Dollar 32.7238 33.3783
    SAR Saudi Riyal 11.8407 12.0775
    AED United Arab Emirates Dirham 12.0889 12.3307
    ZAR South African Rand 3.0831 3.1448
    CNY Chinese Yuan 6.8716 7.009

    About Enat Bank

    A diversified group of 11 Ethiopian Women founded Enat Bank, with a vision to maximize women’s economic capabilities and to be an inclusive bank. The 11-person board of directors is 6 women and 5 men with several and different backgrounds. There are more than 17,000 shareholders who have invested in Enat Bank of whom more than %60 are female.

    Services provided by Enat Bank

    Personal Banking

    Savings

    Regular Saving
    This is an interest-bearing account in which customers earn a minimum interest rate set by Enat Bank. Regular saving accounts are of short-term savings that are adaptable. When a timeline for withdrawal on the minimum balance doesn’t exist. Additionally, regular savings extends its services to cover.

    Liquid savings
    On-demand deposit & withdrawal.

    Premium Saving
    Enat Bank provides a Premium Saving account. Potential depositors can, with this product, track the amount of deposit. The product has an attractive and continuous saving interest. Enat Bank has three stages of premium accounts, which is conditional to a minimum deposit balance in one’s account:

    • Silver
    • Diamond
    • Platinum

    Children’s account Saving

    This is an account dedicated to children who are under 18 years old. It has a higher interest rate which motivates their parents/guardians to save for them.

    Savings accounts for Golden Age

    These are longer-term accounts that are concentrating on saving for a faraway incident upon the customer’s request. It comes with a higher and better interest rate as well as an attractive form specifically for the individual.

    Non-interest bearing

    The non-interest bearing account doesn’t gain interest if the customer asked for such an account type.

    Hybrid savings

    Enat Bank offers its customers the scope to both do recurrent transactions/payments and save the principle by gaining interests.

    Time Deposit

    At a particular, pre-agreed upon, and wide range options for a fixed interest rate, paid on a monthly basis, fixed deposits are accepted by Enat Bank. The monthly basis payment may also be a monthly capital that is to be paid on maturity period, as per the agreement the customer has with Enat Bank.

    Current Account

    Based on the minimum balance, an insignificant interest rate might be regarded to the customer on a defined timeframe. With this account, Enat Bank customers can quickly move transactions and pay nominal interest annually.

    Enat Bilhat

    Enat Bank offers Enat Bilhat as an attractive interest rate deposit for depositors, which deposits must be done only in a fixed amount of money for, also, a fixed amount of time. The interest rate grows after the termination of the period of the deposit made.

    Checking accounts

    Enat Bank’s customers can easily retrieve their deposits using the checking account.

    Plus Services

    Additionally, the bank’s customers can also have the following:

    • Sweeping
    • Fund Transfer/payment
    • Fund Management
    • Safe Deposit Box
    • Payment Instruments
    • Gift Certificates & Cards
    • E-Payments & Services, which is not available at the moment.

    Loan and Advances

    Business Loans

    Enat Bank is there to help and support its customers to raise their working capital by providing services like overdraft and short-term credit. Either you are taking part in domestic/international business, having intentions to start a business, expanding an existing one, wanting to buy a new vehicle/machinery, you can always approach Enat Bank for their services.

    Facing pre-shipment money shortage as an exporter, get your solutions from Enat Bank as they have dedicated services/credit facilities for pre-shipment that might help and support you get raw materials, processing, warehousing, packing & transporting goods for the timeframe of the shipment.

    Consumer Loans

    For individual borrowers, Enat Bank has more credit services, in which such loans can allow you to get your own house/car, furniture, pay fees like education, travel, medical expenses as well as several other commitments.

    Enat’s Choice, which is one of Enat Bank’s credit facilities, the objective is to smooth women’s work-load by giving the chance to purchase house equipment, kitchen devices/gadgets, and furniture

    International Banking

    Trade Finance Services

    Customers of Enat Bank can opt to do international tradings, which the bank has dedicated services

    Import

    • Documentary credit
    • Documentary collection and
    • Advance payment

    Export

    • Documentary credit
    • documentary collection and
    • advance payment

    Consignment Foreign Guarantees

    Remittance Services

    Incoming & outgoing Transfers

    Services of Foreign Check

    • Clearing foreign checks
    • Buying foreign cheques that are clean

    Forex Services

    Forex Services include purchasing & selling cash notes of foreign currency. Services regarding Foreign Currency Account (Diaspora)

    • Non-Resident Foreign Currency Accounts
    • Non-Resident Transferable in Ethiopian Birr (ETB) Account
    • Non-Resident Non-Transferable in  Ethiopian Birr (ETB) Account
    • Foreign Currency A/Cs for Ethiopians in Diaspora, and
    • Retention Accounts

    Exchange Rate

    Enat Bank has quick and smooth money transfer services with many agencies, such as Transfast, WorldRemit, Ria, Western Union, Dahabshill, XpressMoney, Moneygram.  The bank’s daily exchange rate can be found here.

    Other Services

    Advisory services

    Apart from all the services Enat Bank does provide, they give consultation service if you have the intention to start a new business, raise your financial status, get to know Enat Bank’s services and products, and more.

    Women Financing

    Collateral Saving

    Enat Bank introduces the Enat Collateral Saving Account, which is an account where national/international organizations, private, governmental, and/or concerned individuals. They do a specific amount of deposit that is to be blocked for a determined while, which is to be used as a warranty.

    The bank has partnered with some gurus development partners, who will be providing training and business advisory services for potential recipients of the plan. Such advisors might assist in preparing business plans and make sure that the business is in fine shape and form. Also, it will ensure that loans are paid as agreed and scheduled in order to reduce defaults.

    Loan under USAID/SIDA Guarantee scheme

    Private enterprises that are registered in Ethiopia can get used and qualify for this type of loan. An obligation is that at least %51 of the enterprise must be owned by women.

    %50 of the requested loan must be offered by a collateral equivalent, which can be in the form of cash substitute, bank share & bonds, and/or buildings.

    Women Special Loan

    This is a loan targeting small and medium businesses owned by women, where it is a loan against cash collateral. Those women may lack the collateral to raise their businesses.

    To apply, a woman or business only owned/managed by women is a must.

    • Ethiopians by nationality
    • Can show a certificate that proves that she/they does/do not have any kind of property that is registered in her/their name or spouse’s name.

    Women Savings Account

    As part of the women empowerment strategy, Enat Bank has introduced the Women Savings Account that is targeting those who would like to have savings routines and exploit the 5.5% interest rate that Enat Bank provides.

    Non-Financial Services

    This is combined with tools and tailored training to give out financial literacy. Enat Bank believes that having the proper financial education will promote their choices to have a better life. Training is provided in all of Enat bank’s branches, which contains interesting games, educational drama, and more.

    Capacity building

    With the sponsor of our development partners, Enat Bank arranges both capacity building and advisory services for Small and Medium Businesses that are owned/managed by women. The partners, who are advisors, might get involved in preparing business plans as well as giving out training and advisory services.

    Soon enough, Enat Bank is to have much more detailed, specifically tailored services and products that will help women and owned/managed SMEs by women in fulfilling their needs.

    Digital Banking

    E-Banking / EnatOnline

    With EnatOnline, no need for long queues and delays as long as things can be done simply from home or anywhere.

    You can use EnatOnline by either SigningUp or SigningInand be entertained by a number of countless services.

    Services Available on EnatOnline

    • Branch / ATM location information
    • Balance Enquiry
    • Bulk payment
    • Effecting payments to third parties, for example:
    • DerashBill Payment
    • Display Forex Rate
    • Topping up mobile (card)
    • Periodic Payments (standing instruction)
    • Cheque Status, book, and stop payment requests
    • Fund Transfer:
    • within Enat Bank, you can do fund transfer to your own account/accounts
    • Fund transfer to other accounts in Enat Bank
    • Account alerts, security alerts, and reminders
    • PIN management & authorization
    • Mini Statement

    Enat Bank has Enat Internet Banking (EnatOnline) available upon request 24 hours a day. Make sure to check the terms and conditions.

    Mobile Banking

    The following are services in its e-banking package:

    • Branch / ATM location information
    • Local Remittance from your account
    • Balance & Transaction notifications.
    • Balance Enquiry
    • Bulk payment
    • Effecting payments to third parties, for example:
    • DerashBill Payment
    • Display Forex Rate
    • Topping up mobile (card)
    • Periodic Payments (standing instruction)
    • Cheque Status, book, and stop payment requests
    • Fund Transfer: within Enat Bank, you can do fund transfer to your own account/accounts
    • Fund transfer to other accounts in Enat Bank
    • Account alerts, security alerts, and reminders
    • PIN management & authorization
    • Mini Statement

    To access the USSD of Mobile Banking of Enat Bank, call *845#

     

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