Frequent Asked Questions

We have a variety of accounts to suit our customers’ needs. We have personal accounts, club or group accounts, VICOBA accounts, business accounts, special accounts for children, college and university student accounts, and fixed deposit accounts.

For information and instructions on how to open an account as well as which account best suits your needs please visit any of our branches or contact our call centre through 0655202011/0755202011

Understanding the varying needs of our customers we have different opening hours for certain branches depending on customer needs.

Below is our schedule of branch operating hours:

Branch Opening hours
Main, Kinondoni, Buguruni, Mbagala, Moshi, Arusha, Mwanza, Mbeya, Ubungo, Ilala, Tandale and Ukonga. Monday – Friday 8:30am – 4:30pm

Saturday 8:30am – 1:00pm

Kariakoo, Aggrey. Monday – Friday 8:30am – 5:00pm

Saturday 8:30am – 1:00pm

Sunday & public holidays 10:00am -2:30pm

Temeke and Tegeta Monday –Friday 8:30am – 4:30pm

Saturday 8:30am – 1:00pm Sunday and public holidays 10:00am – 2:30pm

Our bank is growing and continues to expand its services bringing them closer to customers. We have 18 branches, 13 of which are in Dar es Salaam, and the rest in Moshi, Arusha, Dodoma, Mbeya and Mwanza. For details of the locations of these branches in each of these cities or towns please click here

We have loans for different customers based on their needs. These loans come with flexible requirements and are generally easy to apply for because they are intended to help small and upcoming business owners who may otherwise not qualify for loans elsewhere.

We provide loans to groups, individuals, and employees. We also provide home improvement loans, Umeme Loans to help owners connect their homes to electricity, business loans, and overdrafts. Click here to know more.

We receive questions, suggestions, and complaints through suggestion boxes found in all our branches. Our website also has a section dedicated to all customer concerns . Click here to raise your complaints.

We have taken major steps to improve our services through technology so that customers enjoy fast, convenient services. To check your balance you can either use an ATM or visit one of our branches.

We have also introduced ACB Mobile, a service that enables our customers to access our services through their mobile phones. ACB Mobile allows you to check your balance, request a mini statement, make transfers to another ACB account, top up credit on your phone, pay for LUKU or DSTV, pay your water bills, request a full statement, a cheque book, foreign exchange rates, as well as get sms alerts for your salary.

You can withdraw money from your account easily at any of our branches as well as from any Umoja Switch ATM close to you. Umoja Switch ATMs are scattered around the country making it convenient for any customer to access their money.

To have an ATM card you must first open a Savings Bomba account or a Biashara Account if they own a business. College or university students can access an ATM card if they open an Elimu Account.

A customer is charged TZS500 for withdrawing money from an ATM and they can take out a daily maximum of TZS500,000. Other services available at ATMs including checking your account balance, requesting a mini statement, or changing your PIN are free of charge.

There is no limit to how many times or how much a customer can deposit into their account; the customer is free to make any deposits they deem necessary whenever they feel able to do so.

A customer can apply for a loan by visiting one of our branches where they can speak to a loan officer who will explain the entire process and requirements in place such as ownership of a business for a period of not less than six months, or any other collateral that the bank has designated.

A customer is required to report a lost card at their nearest branch immediately to ensure the safety of their account. Furthermore, the customer must report the loss to the police where they will be issued with a lost property report which they will then hand in to the bank branch as proof.

You should  be able to receive a new card 14 days after applying for a replacement.

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