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Start your banking
journey today.

Choose the account that fits your life — personal, business, savings, or junior. Zero minimum balance. Open in minutes at any branch or via the UNCDF Mobile App.

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Zero minimum balance
Open in any of our 72+ branches
Free UNCDF Mobile access
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Our accounts

Find the account that's right for you

Whether you're an individual, a growing business, a young saver, or planning for the future — we have an account built around your needs.

Simple process

How to open your account

Opening an UNCDF Bank account takes just a few steps — in branch or via the UNCDF Mobile App.

1

Choose your account

Select the account type that matches your needs — personal, junior, fixed deposit, or business.

2

Gather your documents

Collect your National ID or passport, a passport photo, and any other documents for your account type.

3

Visit a branch or apply via app

Walk into any of our 72+ branches countrywide, or start the process on the UNCDF Mobile App.

4

Start banking

Your account is activated on the spot. Make your first deposit, set up mobile banking, and you're ready to go.

Who can apply

General requirements
to open an account

Most UNCDF Bank DRC accounts are open to any Congolese resident aged 18 and above. Junior accounts can be opened on behalf of children by a parent or guardian.

  • Congolese citizen or valid resident permit holder
  • Aged 18 years or above (parent/guardian for Junior accounts)
  • Valid government-issued photo ID
  • One recent passport-size photograph
  • Proof of residence (utility bill, LC letter, or lease)
  • Business registration documents (business accounts only)

Required documents

National ID or valid Passport
1 recent passport-size photograph
Proof of residence (utility bill or LC letter)
Valid phone number (for mobile banking)
Initial deposit (any amount, no minimum)
Child's birth certificate
Parent / guardian's National ID or Passport
Passport photo of child and parent/guardian
Proof of residence of parent/guardian
Initial deposit (any amount)
Certificate of incorporation / business registration
Directors' / proprietors' National IDs or Passports
URA TIN certificate
Trading licence / permit (where applicable)
Board resolution authorising account opening
Passport photos of all authorised signatories

FAQs

Common questions about opening an account

Everything you need to know before you walk into a branch or open the app.

Speak to an advisor
No. The Ordinary Account requires no minimum balance — you can open it with any amount. Fixed Deposit accounts require a minimum lump-sum deposit which your branch advisor will confirm based on the currency and term you choose.
Personal accounts can be started through the UNCDF Mobile App with a valid National ID and selfie verification. The account is activated after a brief KYC verification. Business and Fixed Deposit accounts currently require a branch visit to complete documentation.
Ordinary accounts are typically opened on the same day — often within 30 minutes at a branch. Mobile app accounts are activated after document verification, usually within a few hours. Business accounts may take 1–2 business days due to enhanced due-diligence requirements.
Yes. Non-Congolese residents with a valid work permit or resident alien card are eligible to open a personal account. You will need a valid passport, resident permit, proof of DRC address, and one passport photo. Contact your nearest branch for further guidance.
Accounts with no transactions for 12 consecutive months may be classified as dormant. A dormancy fee may apply. To reactivate a dormant account, simply visit any UNCDF Bank DRC branch with your ID and make a deposit or withdrawal.
Yes. You can hold multiple account types — for example, an Ordinary Account for day-to-day use and a Fixed Deposit Account for savings. Business owners may also maintain both personal and business accounts under their customer profile.

Ready to open your account?

Walk into any of our 72+ branches across DRC — or get started right now with the UNCDF Mobile App.

Find your nearest branch Download the App