cbe

USD
41.3165
42.1428
,
GBP
54.2261
55.3106
,
EUR
48.4973
49.4672
,
CHF
41.8822
42.7198
,
SEK
4.2832
4.3689
,
NOK
4.364
4.4513
,
DKK
5.903
6.0211
,
DJF
0.2295
0.2341
,
JPY
0.3389
0.3457
,
CAD
29.6287
30.2213
,
SAR
9.9698
10.1692
,
AED
10.1787
10.3823
,
XAF
0.012
0.0122
,
INR
0
0
,
KES
0
0
,
AUD
28.4661
29.0354
,
SDR
0
0
,
ZAR
0
0
,
CNY
5.6895
5.8033
,
KWD
130.4378
133.0466

awash

USD
41.7358
42.5705
,
EUR
50.229
51.2336
,
GBP
57.9835
59.1432
,
CAD
33.4288
34.0974
,
AED
11.3613
11.5885

abyssinia

USD
41.7012
42.5352
,
GBP
54.8903
55.9881
,
EUR
49.9747
50.9742
,
AED
10.2735
10.479
,
NOK
4.5083
4.5985
,
SAR
10.0622
10.2634
,
SEK
4.4778
4.5674
,
CAD
30.1772
30.7807

abay

USD
41.7358
42.5705
,
EUR
50.229
51.2336
,
GBP
57.9835
59.1432
,
CHF
45.6428
46.5557
,
AUD
32.4454
33.0943
,
CAD
33.4288
34.0974
,
AED
11.3613
11.5885
,
CNY
6.4135
6.5418
,
DKK
6.7543
6.8894
,
DJF
0.2319
0.2365
,
INR
0.5572
0.5683
,
JPY
0.3858
0.3935
,
KES
0.3866
0.3943
,
NOK
5.0307
5.1313
,
SAR
11.1278
11.3504
,
ZAR
2.9306
2.9892
,
SEK
4.9701
5.0695
,
SDR
59.6864
60.8801

zemen

buna

USD
41.7358
42.5705
,
GBP
55.3742
56.4817
,
CHF
43.5889
44.4607
,
SEK
4.4979
4.5879
,
NOK
4.5528
4.6439
,
DKK
6.1126
6.2349
,
JPY
0.3491
0.3561
,
CAD
30.2531
30.8582
,
SAR
10.0707
10.2721
,
AED
10.282
10.4876
,
EUR
50.229
51.2336
,
CNY
5.8042
5.9203
,
AUD
29.3631
29.9504
,
KWD
132.0883
134.7301

nib

GBP
55.3742
56.4817
,
EUR
50.229
51.2336
,
CHF
43.5889
44.4607
,
CAD
30.2531
30.8582
,
SEK
4.4979
4.5879
,
AED
10.282
10.4876
,
SAR
10.0707
10.2721
,
ZAR
2.9116
2.9698
,
JPY
0.3491
0.3561
,
KES
0.3841
0.3918
,
DJF
0.2319
0.2365
,
INR
0.5536
0.5646
,
CNY
5.8042
5.9203
,
DKK
6.1126
6.2349
,
NOK
4.5528
4.6439
,
AUD
29.3631
29.9504
,
USD
41.7358
42.5705

berhan

USD
41.6753
42.5088
,
EUR
49.8603
50.8575
,
GBP
54.7926
55.8885

wegagen

USD
41.7012
42.5352
,
GBP
54.8903
55.9881
,
EURO
49.9747
50.9742
,
CAD
30.1772
30.7807
,
AUD
29.252
29.837
,
CHF
43.3301
44.1967
,
SEK
4.4778
4.5674
,
NOK
4.5083
4.5985
,
DKK
6.082
6.2036
,
DJF
0.2319
0.2365
,
INR
0.5603
0.5715
,
KSH
0.3877
0.3955
,
JPY
0.3469
0.3538
,
SAR
10.0622
10.2634
,
AED
10.2735
10.479
,
ZAR
2.9148
2.9731
,
CNY
5.7869
5.9026
,
KWD
131.9908
134.6306

dgb

USD
41.7358
42.5705
,
GBP
57.9835
59.1432
,
EUR
50.229
51.2336
,
CHF
45.6428
46.5557
,
CAD
33.4288
34.0974
,
AUD
32.4454
33.0943
,
SEK
4.9701
5.0695
,
NOK
5.0307
5.1313
,
DKK
6.7543
6.8894
,
DJF
0.2319
0.2365
,
INR
0.5572
0.5683
,
KSH
0.3866
0.3943
,
JPY
0.3858
0.3935
,
SAR
11.1278
11.3504
,
AED
11.3613
11.5885
,
ZAR
2.9306
2.9892
,
CNY
6.4135
6.5418
,
KWD
138.3124
141.0786

enat

USD
41.7358
42.5705
,
EUR
50.229
51.2336
,
GBP
57.9835
59.1432
,
CHF
45.6428
46.5557
,
SEK
4.9701
5.0695
,
NOK
5.0307
5.1313
,
DKK
6.7543
6.8894
,
KES
0.3866
0.3943
,
JPY
0.3858
0.3935
,
DJF
0.2319
0.2365
,
CAD
33.4288
34.0974
,
AUD
32.4454
33.0943
,
SAR
11.1278
11.3504
,
AED
11.3613
11.5885
,
ZAR
2.9306
2.9892
,
CNY
6.4135
6.5418

addis

EUR
42.8476
43.7046
,
GBP
45.2716
46.177
,
USD
36.7223
37.4567

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
41.7358
42.5705
,
GBP
55.3742
56.4817
,
CHF
43.5889
44.4607
,
SEK
4.4979
4.5879
,
NOK
4.5528
4.6439
,
DKK
6.1126
6.2349
,
JPY
0.3491
0.3561
,
CAD
30.2531
30.8582
,
SAR
10.0707
10.2721
,
AED
10.282
10.4876
,
EUR
50.229
51.2336
,
DJF
,
INR
,
KES
,
AUD
,
ZAR
,
CNY

oromia

USD
41.7358
42.5705
,
EUR
50.229
51.2336
,
GBP
57.9835
59.1432
,
SAR
11.1278
11.3504
,
CHF
45.6428
46.5557
,
AED
11.3613
11.5885

lion

USD
41.7358
42.5705
,
GBP
55.3742
56.4817
,
EUR
50.229
51.2336

coop

USD
40.6279
41.4405
,
GBP
54.013
55.0933
,
EUR
48.4731
49.4426
,
SAR
9.8031
9.9992
,
AED
10.009
10.2092

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 41.7358 42.5705
    EUR Euro 50.229 51.2336
    GBP British Pound Sterling 57.9835 59.1432
    CHF Swiss Franc 45.6428 46.5557
    SEK Swedish Krona 4.9701 5.0695
    NOK Norwegian Krone 5.0307 5.1313
    DKK Danish Krone 6.7543 6.8894
    KES Kenyan Shilling 0.3866 0.3943
    JPY Japanese Yen 0.3858 0.3935
    DJF Djiboutian Franc 0.2319 0.2365
    CAD Canadian Dollar 33.4288 34.0974
    AUD Australian Dollar 32.4454 33.0943
    SAR Saudi Riyal 11.1278 11.3504
    AED United Arab Emirates Dirham 11.3613 11.5885
    ZAR South African Rand 2.9306 2.9892
    CNY Chinese Yuan 6.4135 6.5418

    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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