CCA-Bank

What CCA-Bank does

CCA-Bank (Le Crédit Communautaire d'Afrique-Bank) is a private Cameroonian commercial bank headquartered at Direction Générale, Douala-Bonanjo, with a physical branch and ATM (GAB) network covering all 10 regions of Cameroon. Founded in 1997 and operating with 251–500 employees, the bank serves three core segments: individuals (including a dedicated CCA WomenBanking program), businesses (GE/PMI/PME ranging from SMEs to large enterprises), and public/private institutions. Its core product set spans current and savings accounts, a tiered card portfolio issued on the GIMAC domestic network (CAURIS, EQUILIBRE, PRESTIGE) and on VISA International (Classic, Platinum), personal and emergency loans, short- and medium-term business financing, bank guarantees, bancassurance, and Sharia-compliant Islamic Finance services backed by the Certificat de Conformité Charaïque.

The bank's technology layer centers on two proprietary remote banking products — C-Online (internet banking) and C-Mobile (mobile banking) — that allow account access, transfers, card opposition, and statement printing, plus a digital onboarding platform (onboarding.ccabank-app.com) and a 24/7 call center reachable via short number 8171. Card interoperability is delivered through integration with the GIMAC interbank network for domestic acceptance and VISA International for cross-border use, while remittance services are delivered via channel partnerships with Western Union, Ria, Kori, and Juba. The bank publishes quarterly tariff schedules and an annual report.

CCA-Bank's revenue model is diversified across recurring and transactional streams: annual subscription fees on GIMAC (XAF 8,000–25,000) and VISA cards (XAF 30,000–130,000), transaction and account service fees, interest income from personal loans (fixed rate 6.90%, TAEG 7.12% per a disclosed example) and business financing, fees on money transfers, and bancassurance commissions. Distribution is multi-channel — branches and ATMs, self-serve digital banking, inside-sales call center, and reseller money-transfer partnerships — and the marketing mix relies primarily on direct sales and content marketing (website, annual reports, CCA Insight magazine) rather than paid acquisition.

Name

CCA-Bank

Legal name

Le Crédit Communautaire d'Afrique-Bank

Website

https://cca-bank.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

CCA-Bank (Le Crédit Communautaire d'Afrique-Bank) is a private Cameroonian commercial bank offering deposit accounts, GIMAC and VISA debit cards, personal and business loans, Islamic finance, money transfers, and digital banking (C-Online, C-Mobile) to individuals, SMEs, and institutions across all 10 regions of Cameroon.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Short-Term Business Credit Institutions (6153), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Islamic Corporate Banking (FSABAGAC)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Retail banking
• Commercial banking
• Debit cards
• Money transfers
• Islamic finance

Headquarters

HQ city

Yaoundé

HQ country

Cameroon

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Account and Transaction Services: Traditional banking services including personal and business account management, with associated fees for account maintenance, transactions, and services.
2. Card Services: Annual card fees for GIMAC network cards (XAF 8,000-25,000) and VISA cards (XAF 30,000-130,000), plus transaction fees for withdrawals and payments.
3. Money Transfers: Fees from domestic and international money transfer services including Western Union, Ria, Kori, and Juba partnerships.
4. Loan Products: Interest income from personal loans, emergency loans, and other credit products. Loan example shows 6.90% fixed annual rate with 7.12% TAEG.
5. Bancassurance: Insurance products bundled with banking services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

CCA-Bank is a Cameroonian commercial bank providing retail and commercial banking products including deposit accounts (personal checking and savings, business accounts, specialized women-banking accounts), debit cards on GIMAC and VISA networks, personal loans and emergency loans, short- and medium-term business financing, bancassurance, bank guarantees, domestic and international money transfers, and Sharia-compliant Islamic finance services, distributed via branches, ATMs, internet/mobile banking, and money transfer partners.

Product overview

CCA-Bank (Crédit Communautaire d'Afrique-Bank) is a Cameroonian financial institution offering a comprehensive banking platform with multiple product lines. The core offering includes personal and business deposit accounts, remote banking services (C-Online for internet banking and C-Mobile for mobile banking), and a diverse card portfolio spanning GIMAC network cards (CAURIS, EQUILIBRE, PRESTIGE) and VISA network cards (CLASSIC, PLATINIUM). The bank also provides specialized services including Islamic Finance with Sharia compliance certification, a WomenBanking program (CCA WomenBanking) with tailored accounts for women, and various loan products including personal loans and emergency loans. Business services encompass short and medium-term financing, digital banking solutions, public services integration platforms, and international operations support. The bank operates across 10 regions of Cameroon with branch and ATM networks, offering money transfer services through Western Union and Ria partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• C-Online (Internet Banking) Remote internet banking service allowing individual and business customers to access accounts and perform banking transactions online, including checkbook/card requests, card oppositions, account-to-account transfers, and historical account statement printing.
• C-Mobile Mobile banking service enabling customers to stay in constant contact with their accounts from anywhere via mobile devices.
• CAURIS GIMAC Card Basic GIMAC-network debit card enabling ATM withdrawals, balance inquiries, and mini-statements 24/7. Annual fee XAF 8,000 with XAF 5,000,000 weekly withdrawal limit.
• EQUILIBRE GIMAC Card GIMAC-network debit card designed for salaried employees with 24/7 ATM access. Annual fee XAF 12,000 with XAF 1,000,000 weekly withdrawal limit.
• PRESTIGE GIMAC Card Premium GIMAC-network debit card with higher withdrawal limits. Annual fee XAF 18,000 (individuals) or XAF 25,000 (businesses), with XAF 2,000,000 weekly withdrawal limit.
• VISA CLASSIC Card Debit card on the VISA network allowing banking operations 24/7 across CCA-Bank and partner VISA ATMs. Annual fee XAF 30,000 with XAF 5,000,000 weekly withdrawal limit.
• VISA PLATINIUM Card Premium debit card on the VISA network with unlimited withdrawal limits. Annual fee XAF 130,000.
• Personal Checking Account Current/deposit account for individuals enabling reciprocal financial operations, with access to financing options, remote banking services, and overdraft facilities.
• Personal Savings Account Savings account for individuals designed to grow funds and ensure their security with banking services tailored to customer needs.
• Business Account Business banking account with flexible conditions and personalized advice for businesses to optimize financial operations and support growth.
• CCA First Lady Account Specialized banking account under the CCA WomenBanking program facilitating women's access to financial products and services.
• Individual Savings Account (WomenBanking) Savings account designed specifically for women as part of the CCA WomenBanking program.
• Personal Loan (Prêt Personnel) Personal loan product for financing projects such as phone purchases, rent, home equipment, travel, insurance, health provisions, and other needs. Amounts from XAF 50,000 to XAF 5,000,000 with 1-11 month repayment periods at 6.90% fixed annual rate (7.12% TAEG).
• Emergency Loan Digital loan solution accessible to all customers for urgent financial needs.
• Short-term Business Financing Short-term financing solutions for businesses to support operational needs and cash flow management.
• Medium-term Business Financing Medium-term financing solutions for businesses to support development and investment projects.
• Public Services Integration Platform Platform connecting businesses to public services for streamlined operations and compliance.
• Islamic Finance Services Financial services compliant with Sharia principles, certified by competent Sharia compliance authorities (Certificat de Conformité Charaïque).
• Money Transfer Services Fast, secure, and affordable domestic and international money transfer solutions through Western Union, Ria, Kori, and Juba partnerships.
• Bancassurance Banking and insurance combined services offered to business and individual customers.
• Bank Guarantees Guarantee products for businesses to support international operations and contractual obligations.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Western UnionminorChannel Partner/ Reseller/ DistributorWestern Union money transfer service available at CCA-Bank for international and domestic money transfers. Western Union is a global leader in cross-border, cross-currency money transfer services.
• Ria Money TransferminorChannel Partner/ Reseller/ DistributorRia money transfer service available at CCA-Bank for international money transfer operations.
• KoriminorChannel Partner/ Reseller/ DistributorKori money transfer service available at CCA-Bank for money transfer operations.
• JubaminorChannel Partner/ Reseller/ DistributorJuba money transfer service available at CCA-Bank for money transfer operations.
• GIMAC (Groupement Interbancaire Monétique de l'Afrique Centrale)coreTechnology or IntegrationGIMAC is the Central African interbank electronic monetary group. CCA-Bank issues GIMAC-compatible cards (Cauris, Equilibre, Prestige) that work across the GIMAC ATM and POS network throughout Cameroon and partner banks.
• VISA InternationalcoreTechnology or IntegrationVISA is the global payments technology company. CCA-Bank issues VISA-branded cards (Classic and Platinum) with international acceptance across the global VISA network.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• United Bank for Africa (UBA) Cameroon: Pan-African banking group with operations in Cameroon serving retail, SME, and institutional clients. Comparable as a larger incumbent offering similar deposit, card, transfer, and digital banking services.
• BGFI Bank Cameroun: Subsidiary of the CEMAC-focused BGFI group, offering retail and corporate banking across the region. Comparable as a regional commercial bank competing in the same CEMAC customer base with similar deposit and payment products.
• Ecobank Cameroon: Subsidiary of the pan-African Ecobank group offering retail, SME, and corporate banking across Cameroon. A broader incumbent with deeper multi-country infrastructure but overlapping products and target segments.
• Standard Chartered Bank Cameroon: International banking group with corporate and retail operations in Cameroon. Comparable as a competitor in card issuance, money transfers, and institutional banking in the same Cameroonian market.
• Oragroup (Orabank Cameroun): West- and Central-African banking group with a Cameroonian subsidiary serving retail, SME, and institutional clients. Comparable as a multi-country regional bank with similar deposit, card, and digital offerings.

Regional players

• Coris Bank International (CEMAC): West-African-headquartered bank with CEMAC presence offering retail and corporate banking. Comparable as a regional player with overlapping deposit, card, and digital banking products targeting similar segments.

Direct peers

• Société Générale Cameroun: Subsidiary of a global banking group operating a full retail and corporate franchise in Cameroon. Comparable as a competing multi-channel commercial bank serving individuals, businesses, and institutions in the same domestic market.
• Banque Internationale du Cameroun pour l'Épargne et le Crédit (BICEC): Long-established Cameroonian commercial bank offering retail, SME, and corporate banking. Closely comparable as a domestic full-service commercial bank with nationwide branch presence and a similar customer mix.
• Afriland First Bank: One of Cameroon's largest locally headquartered commercial banks, serving individuals, SMEs, and institutions across the country. Directly comparable as a Cameroonian multi-segment retail and corporate bank with a similar geographic footprint.

Emerging players

• Al Baraka Bank (Islamic finance peer): Islamic banking group active in Africa offering Sharia-compliant retail and corporate products. Comparable as a niche peer relevant to CCA-Bank's certified Islamic finance offering and faith-based customer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CCABANK
• LinkedInlinkedin.com/company/cca-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CCA-Bank