Discover financial products and services tailored to your needs

FINSTAR-CM S.A. offers savings, credit, insurance, transfer, mobile money and partnership solutions to support individuals, entrepreneurs, VSEs and SMEs.

FINSTAR-CM S.A. advisor presenting a financial solution

Regulated institution

Financial products delivered by a regulated institution

Our services are designed to support savings, financing and business growth with an approach based on proximity, rigor and responsibility.

Secure savings and local support
Structured credit according to profile and guarantees
Financial advisory for individuals, VSEs and SMEs

Explore our solutions

Choose a product family

The solutions shown immediately below update according to your selection.

Savings

Saving is the first step toward wealth. Set money aside safely: regular or one-time savings, investments with a chosen term, and personalized monitoring to grow your capital and achieve your goals with peace of mind.

You are viewing Savings

Savings account

Through its savings accounts, FINSTAR-CM S.A. allows you to grow your money securely, while keeping your savings available for your projects and unexpected expenses. A simple, safe, and effective solution for building your financial stability.

Conditions and useful information

Opening: FREE | First deposit

10 000 FCFA

Documents to prepare

Valid national ID card or passport
4 passport photos (4×4)
Opening request and signature card at the branch
Registration certificate
Location map

Benefits

4% interest on the balance every year
Up to 2 authorized representatives
Account-to-account transfers
Remote deposits and withdrawals through FINSAVE

FINSTAR-CM S.A.

Blocked account

A blocked account helps secure a sum for a defined period and prepare a project with greater discipline. Applicable terms and remuneration are specified in the product agreement.

FINSTAR-CM S.A.

Daily savings account

Daily Collection with FINSTAR-CM S.A. helps you save effortlessly every day thanks to regular deposits collected directly from you. Simple, convenient, and secure, it helps your capital grow on a daily basis.

Conditions and useful information

Opening: FREE | First deposit

1,000 FCFA (500 deposit + 500 booklet)

Documents to prepare

Copy of an accepted identity document
2 passport photos (4×4)
Collection agreement signed at the branch

Benefits

Collection at the place of business
Up to 3 accounts under the same name
Remote withdrawals are available for amounts below 50 000 FCFA. Proxies are handled according to the conditions applicable at the branch.
Easy migration to a standard account

FINSTAR-CM S.A.

Term deposit

Place funds for a defined term under conditions agreed at maturity. The capital, duration and remuneration are specified contractually so you can plan your projects with clarity.

FINSTAR-CM S.A.

checking account

This is your ideal solution for easily managing your daily expenses. It offers quick access to your money, smooth transactions, and complete control over your spending. Convenient, flexible, and secure.

Conditions and useful information

Opening: FREE | First deposit

5 000 FCFA

Documents to prepare

Valid national ID card or passport
4 passport photos (4×4)
Opening request and signature card at the branch
Registration certificate
Location map

Benefits

Cheque book supplied with the account
Up to 2 authorized representatives
Account-to-account transfers
Remote deposits and withdrawals through FINSAVE

FINSTAR-CM S.A.

Account-opening journey

Open the account that fits your needs

Compare accounts, prepare the relevant documents, then complete the opening at a branch with a FINSTAR-CM S.A. advisor.

1
Choose your account
Select an account below to check the opening fee and the first deposit. Opening is free for individuals; it costs 2,500 FCFA for Business and Association accounts.
2
Prepare your file
Gather the supporting documents for your profile. No additional document is assumed here.
3
Complete it at a branch
An advisor checks the file and helps you complete the request, signature card or applicable agreement.

All accounts at a glance

Start by comparing the purpose and first deposit. Note: opening is completely free. You can then review the details.

Individual current account

An account for day-to-day transactions, with a cheque book supplied under the applicable conditions.

Individual saving account

A savings account for setting money aside securely and preparing future projects.

Business/Association Current Account

An account for businesses and associations to manage cash flow and transactions in a structured framework.

Business/Association Saving Account

An account for businesses and associations to manage cash flow and transactions in a structured framework.

Daily collection account

A savings account funded regularly through visits by a FINSTAR-CM S.A. collector to the client’s place of business.

Forward account

A type of savings account. It has a fixed term and a predetermined interest rate. This type of bank account is suitable for people who want to save over a specific period, usually from several months to a few years.

Steps and required documents

Savings account

Opening: GRATUITE | First deposit:10 000 FCFA

Set part of your income aside while keeping access to your money.

This account is best suited to

An individual building a reserve for a project, a future expense or an unexpected event.

It can help you :

Save gradually at your own pace
Prepare a project without locking the savings for a fixed term
Make remote deposits or withdrawals with FINSAVE

Documents to bring to the branch :

Valid national ID card or passport
4 passport photos (4×4)
Registration certificate
Location map
Opening request and signature card — completed at the branch

Once the account is open :

4% interest calculated on the balance every year
Up to 2 authorized representatives
Account-to-account transfers
Remote deposits and withdrawals through FINSAVE

Please note: The product sheet states 2% interest every six months on the account balance.

The documents below apply to the profile described in the product sheet. An advisor checks your situation before opening the account.

Eligibility and application file

Prepare your credit application

A credit application follows a structured process:

Hold a FINSTAR-CM S.A. account.
Actively use the account for at least 3 months.
Prepare a complete file with supporting documents.
Submit a handwritten request addressed to the Managing Director.
Provide a personal contribution and proposed collateral.

Documents required by credit type

Credit Categories

Loan conditions

Complete checklist for this credit type

Standard credit

10 items to prepare

Prepare every item before visiting a branch. This list combines the documents already required for this credit with the additions from the new product sheet.

Handwritten request addressed to the Managing Director
Valid national ID card or passport
Location maps for the home and business
Unique Identification Number (NUI)
Bank statements for the last 3 months
2 passport photos (4×4) for each manager
Evidence of the need: business plan, pro forma invoice or quotation
Proposed collateral: invoices or property documents
Evidence of the personal contribution
Guarantors’ documents: ID cards, payslips, etc.

Discover financial products and services tailored to your needs

Financial products delivered by a regulated institution

Savings

Savings account

Opening: FREE | First deposit

Documents to prepare

Benefits

Blocked account

Daily savings account

Opening: FREE | First deposit

Documents to prepare

Benefits

Term deposit

checking account

Opening: FREE | First deposit

Documents to prepare

Benefits

Choose your account

Prepare your file

Complete it at a branch

Individual current account

Individual saving account

Business/Association Current Account

Business/Association Saving Account

Daily collection account

Forward account

Savings account

It can help you :

Documents to bring to the branch :

Once the account is open :

Prepare your credit application

A credit application follows a structured process:

Documents required by credit type

Standard credit

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