Solidaire Banque
Solidaire Banque is a Kinshasa-headquartered commercial bank in the Democratic Republic of the Congo serving individuals, SMEs, and corporate/import-export clients with accounts, cards, credit, trade finance, and remittances via branches and a 60+ agent banking network.
- Company typePrivate
- Founded2005
- HeadquartersKinshasa
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Solidaire Banque does
Solidaire Banque is a commercial bank headquartered in Kinshasa, Democratic Republic of the Congo, founded under a mission first affirmed in 2005 and operating as a licensed institution regulated by the Banque Centrale du Congo. It serves three customer segments — individuals, SMEs, and corporate/import-export businesses — through a distribution model that combines two physical branches with an agent banking network of more than sixty locations across the country.
The product set spans the core retail and commercial banking stack: bank accounts (savings, current, and term deposits), consumer and SME credit facilities, trade finance products, and payment services. Card issuance is anchored by a Visa partnership that includes a premium Visa Infinite proposition with limits up to $250,000, complemented by debit cards and the Bomoko prepaid virtual card for digital and underbanked segments. Cross-border capability is provided by SWIFT integration with eight correspondent bank relationships across multiple jurisdictions, while inbound remittances are routed through a Western Union partnership. E-banking and digital channels are referenced alongside the agent network, pointing to a deliberate omnichannel posture.
Revenue mechanics combine transaction-based fees (cards, transfers, FX, trade finance commissions), recurring account maintenance and subscription charges, interest income on the credit book, and remittance commissions. Salary domiciliation services provide a sticky retail deposit base, while trade finance and corporate credit underwriting anchor the higher-ticket, higher-margin end of the franchise. The overall operating profile is that of a mid-sized full-service commercial bank scaling distribution and product breadth in a structurally underbanked market.
Solidaire Banque firmographics
Firmographics- Name
- Solidaire Banque
- Legal name
- Solidaire Banque SA
- Website
- https://solidairebanque.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Solidaire Banque is a Kinshasa-headquartered commercial bank in the Democratic Republic of the Congo serving individuals, SMEs, and corporate/import-export clients with accounts, cards, credit, trade finance, and remittances via branches and a 60+ agent banking network.
- Ownership category
- akta.pro rank
Solidaire Banque industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE)
Keywords
Where Solidaire Banque is headquartered
LocationHeadquarters
- HQ city
- Kinshasa
Offices6 records
Markets served
Solidaire Banque business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Card Services: Revenue from credit cards, debit cards, and prepaid cards including interchange fees and card-related charges
- Current and Deposit Accounts: Account maintenance fees and banking service charges for current accounts, term deposits, and salary domiciliation
- International Banking Services: Fees from international transfers, letters of credit, documentary remittances, and guarantee services
- Credit Facilities: Interest income from term loans, cash advances, and overdraft facilities for businesses
- Government Payment Services: Processing fees for tax payments, road tax (vignette), and other government collections
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Current Account - Basic banking with 24/7 access |
| Subscription | Multi-year contract | Term Deposit - Fixed interest savings |
| Transaction based/ take rate | Monthly | Salary Domiciliation - Payroll management |
| Subscription | Annual | Visa Infinite - Premium card |
| Subscription | Annual | Visa Platinum - High-end credit card |
| Subscription | Annual | Visa Classic Debit - Basic debit card |
| Usage-based | Pay-as-you-go | Bomoko Prepaid - Virtual card |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Solidaire Banque product offering
Product offeringCore offering
Solidaire Banque is a Congolese commercial and retail bank providing deposit accounts, Visa debit and credit cards, term deposits, consumer and corporate credit facilities, trade finance instruments (Letters of Credit, Documentary Remittance, Letters of Guarantee), SWIFT-based international transfers, and Western Union money transfer services to individuals, SMEs, and corporate clients in the Democratic Republic of the Congo. The bank also collects road tax on behalf of the Congolese government.
Product overview
Solidaire Banque is a Congolese banking institution offering a comprehensive suite of financial products and services. The product portfolio comprises Visa-branded card products (credit cards including Visa Platinum and Visa Infinite; debit cards including Platinum Debit and Classic Debit; and the Bomoko virtual prepaid card), bank accounts (Current Account, Salary Domiciliation, and Term Deposit), trade finance services (Letter of Credit, Documentary Remittance, and Letter of Guarantee), payment services (Road Tax, Tax/Duties/Fees payments, Western Union), and credit facilities (term loans, cash advances, and overdrafts). The bank also provides international transfer services via the SWIFT network with correspondent banking relationships across multiple countries.
Differentiator
Problem solved
Functional benefit
Brands
- Bomoko: A prepaid virtual card that is not linked to a bank account, offering all advantages of a payment card while being practical, easy to use, and secure.
- Visa Platinum
- Visa Infinite
- Visa Classic Debit
Products and services
- Classic Debit Card
Quantifiable outcome
- Flexible term deposit terms ranging from 1 to 12 months with customizable interest payment frequency
- +3 more outcomes
Companies that use Solidaire Banque
Customer profileSegments4 records
Ideal customer profiles4 records
Solidaire Banque technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Solidaire Banque partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core.
- Access Bank (South Africa)coreCorrespondent bank relationship for international transfers. SWIFT code: BATHZAJJZZ. Part of network enabling transparent and secure fund transfers to/from South Africa.
- Aktif Yatirim Bankasi - Aktif bank (Turkey)coreCorrespondent bank relationship for international transfers. SWIFT code: CAYTTRISXXX. Enabling cross-border transactions with Turkey.
- Banque Internationale Arabe de Tunisie - BIAT (Tunisia)coreCorrespondent bank relationship for international transfers. SWIFT code: BIATTNTTXXX. Facilitating transactions with Tunisia.
- BGFI (France)coreCorrespondent bank relationship for international transfers. SWIFT code: BGFIFRPPXXX. Enabling European transaction connectivity.
- United Bank for Africa - UBANY (New York, USA)coreCorrespondent bank relationship for international transfers. SWIFT code: UNAFUS33XXX. US market connectivity for USD transactions.
- Zhejiang Chouzhou Commercial Bank Co Ltd (China)coreCorrespondent bank relationship for international transfers. SWIFT code: CZCBCN2XXXX. China market connectivity for trade transactions.
- African Export Import Bank (Egypt)coreCorrespondent bank relationship for international transfers. SWIFT code: AFXMEGCAXXX. African trade finance connectivity.
- BMCE BOA (Spain)coreCorrespondent bank relationship for international transfers. SWIFT code: BMCEESMM. European market access through Spain.
- Western UnioncoreWestern Union money transfer service partnership allowing customers to easily send and receive international remittances through Solidaire Banque branches and agents.
- VisacoreCard network partnership for issuing Visa debit, credit, and prepaid cards including Visa Platinum and Visa Infinite premium products.
- SWIFTcoreSWIFT network membership with SWIFT code SLIBCDKI enabling secure international transfers and correspondent banking relationships.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Solidaire Banque competitors and assessment
Company assessmentDirect peers
- Stanbic Bank Congo: DRC subsidiary of Standard Bank Group (South Africa), focused on corporate, investment, and transactional banking with international trade finance capabilities. Overlaps with Solidaire's corporate and trade finance segments and SWIFT-based cross-border offering.
- Banque Commerciale du Congo (BCDC): One of DRC's oldest commercial banks with a dense Kinshasa and provincial branch network offering retail, SME, and corporate banking. Comparable to Solidaire in geographic coverage and product set, and Solidaire's Lubumbashi office is described as facing BCDC's branch.
- Bank of Africa (BOA) DRC: Congolese subsidiary of the pan-African Bank of Africa Group, offering retail, SME, and corporate banking, Visa cards, and trade finance. Operates in the same DRC market with comparable products including salary domiciliation and international transfers.
- United Bank for Africa (UBA) DRC: Pan-African bank with a DRC franchise offering retail, corporate, and trade finance, plus a US correspondent presence (UBA NY) — which is also a Solidaire correspondent. Direct competitor in cross-border transfers and card services for DRC-based clients.
- Rawbank: Largest commercial bank in the DRC by assets and branches, headquartered in Kinshasa, offering retail, SME, and corporate banking, Visa cards, trade finance, and international transfers via SWIFT. Directly comparable in geography, product set, and customer segments to Solidaire Banque.
- Trust Merchant Bank (TMB): Congolese commercial bank headquartered in Lubumbashi with national branch coverage focused on SMEs, corporate banking, trade finance, and Visa card issuance. Overlaps directly with Solidaire's product mix and DRC-wide agent/branch distribution model.
- Equity Bank Congo: Congolese subsidiary of Equity Group Holdings (Kenya), offering retail and SME banking, Visa debit/credit cards, mobile banking, and international transfers. Competes head-on with Solidaire in financial inclusion and digital banking across the same DRC customer base.
- Access Bank DRC: Subsidiary of Access Holdings (Nigeria) with a growing DRC presence in retail, SME, and corporate banking. Already a correspondent banking partner of Solidaire (Access Bank South Africa), illustrating how it competes in the same DRC retail and trade finance markets.
Regional players
- Banque Populaire du Congo (BPC): Congolese cooperative commercial bank focused on retail, SMEs, and microfinance, with strong Kinshasa presence. Comparable in retail-banking focus and DRC-only footprint, though positioned slightly down-market from Solidaire's premium card and trade finance offering.
Broad incumbents
- Ecobank DRC: Subsidiary of pan-African Ecobank Group with full-service retail, corporate, and trade finance capabilities and extensive correspondent banking across Africa. Competes with Solidaire in DRC SME and international banking as a larger multi-country incumbent.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Solidaire Banque social profiles
Digital presenceSolidaire Banque financial estimates
Financial estimateRevenue estimate
Valuation estimate
Solidaire Banque leadership team
Management profileNumber of profiles
Solidaire Banque funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Solidaire Banque M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Solidaire Banque
What does Solidaire Banque do?
Solidaire Banque is a Congolese commercial and retail bank providing deposit accounts, Visa debit and credit cards, term deposits, consumer and corporate credit facilities, trade finance instruments (Letters of Credit, Documentary Remittance, Letters of Guarantee), SWIFT-based international transfers, and Western Union money transfer services to individuals, SMEs, and corporate clients in the Democratic Republic of the Congo. The bank also collects road tax on behalf of the Congolese government.
Is Solidaire Banque a public or private company?
Solidaire Banque is a private company. It is classified as unknown and is currently operating.
When was Solidaire Banque founded?
Solidaire Banque was founded in 2005. It employs 251 to 500 people.
Where is Solidaire Banque based?
Solidaire Banque is headquartered in Kinshasa.
How does Solidaire Banque make money?
Five revenue lines are on record. Card Services are the primary driver. The others are current and Deposit Accounts, international Banking Services, credit Facilities and government Payment Services.
Who are Solidaire Banque's main competitors?
Direct peers on record are Stanbic Bank Congo, Banque Commerciale du Congo (BCDC), Bank of Africa (BOA) DRC, United Bank for Africa (UBA) DRC, Rawbank, Trust Merchant Bank (TMB), Equity Bank Congo and Access Bank DRC. Banque Populaire du Congo (BPC) is listed as a regional player. Ecobank DRC is listed as a broad incumbent.
Does Solidaire Banque have an API?
No public API is recorded for Solidaire Banque.
What industry is Solidaire Banque in?
Solidaire Banque's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards). Its NAICS code is 522110 and its SIC code is 6021.