Bank Gaborone
Bank Gaborone is a Botswana-licensed commercial bank (since 2006) and subsidiary of Capricorn Group, providing retail, SME, wholesale, and agribusiness banking services through 12 branches, 22 ATMs, 1,100 POS machines, and digital channels including e-pula, Tobetsa, and Card-2-Card.
- Company typePrivate
- Founded2006
- HeadquartersGaborone, Botswana
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Bank Gaborone does
Bank Gaborone Limited is a Botswana-domiciled commercial bank licensed by the Bank of Botswana on 1 February 2006 and operating as a subsidiary of Capricorn Group, a diversified financial services holding company listed on the Namibian Stock Exchange. The bank serves retail, SME (turnover ≤P2M), wholesale (turnover ≥P4M), and agribusiness customers through a distribution network of 12 branches, 22 ATMs, and 1,100 POS machines, supported by digital channels including e-pula Internet Banking, Tobetsa Mobile Banking (iOS/Android/Huawei), SMS Alertz, EasyWallet, Easy-2-Pay, and a Self-Onboarding portal.
Its product suite spans transactional accounts (Wiz, Fuze, Easy Transact, Cheque, Selekt Silver/Gold), savings and investment products (SureSave, Ipeele, Fixed Deposit, Notice Deposit, Prime Linked Investment), consumer and business loans (Salary Advance, BG Finance, Vehicle & Asset Finance, Mosangana Home Loans, Commercial Loans, Property Finance, Purchase Order Financing, Overdraft), trade finance (Letters of Credit, Forward Exchange Contracts, Spot Transactions, Foreign Currency Accounts, Bonds and Guarantees), and a bancassurance range (Rotlhe, Poelo Standard/Executive/Mortgage/Credit). Agribusiness is treated as a dedicated vertical, holding over 67% of the formal market share in agriculture lending in Botswana with an agricultural loan book exceeding P704M as of March 2025.
The revenue model is a traditional bank mix: interest income from lending products priced off the Prime Lending Rate, monthly maintenance and transaction-based fees on business cheque and transactional accounts, foreign exchange fees on multi-currency accounts (USD/EUR/GBP/ZAR) and FX instruments, and recurring premium income from bancassurance. Go-to-market relies on dedicated Relationship Managers for Wholesale and SME Banking, supported by Customer Relationship Officers, with a relationship-banking positioning ("We don't bank money, we bank people") and a one-stop-banking philosophy. Distribution is omnichannel, combining physical branches with a growing digital footprint, including Card-2-Card payments marketed as a first-in-Botswana capability.
Bank Gaborone firmographics
Firmographics- Name
- Bank Gaborone
- Legal name
- Bank Gaborone Limited
- Website
- https://bankgaborone.co.bw
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Bank Gaborone is a Botswana-licensed commercial bank (since 2006) and subsidiary of Capricorn Group, providing retail, SME, wholesale, and agribusiness banking services through 12 branches, 22 ATMs, 1,100 POS machines, and digital channels including e-pula, Tobetsa, and Card-2-Card.
- Ownership category
- akta.pro rank
Bank Gaborone industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where Bank Gaborone is headquartered
LocationHeadquarters
- HQ city
- Gaborone
- HQ country
- Botswana
- HQ region
- Africa
Offices1 record
Markets served
Bank Gaborone 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
- Interest Income: Traditional banking interest income from lending products including commercial loans, home loans, vehicle and asset finance, personal loans, and overdraft facilities. Lending rates are linked to the Prime Lending Rate.
- Transaction Banking Fees: Monthly maintenance fees and fees based on account activity for business cheque accounts and other transactional accounts.
- Foreign Exchange Services: Revenue from foreign currency accounts (USD, EUR, GBP, ZAR), foreign currency transfers, Letters of Credit, Forward Exchange Contracts, and foreign exchange spot transactions.
- Bancassurance Products: Insurance products including Rotlhe Funeral Policy, Poelo Standard, Poelo Executive, Poelo Mortgage, and Poelo Credit insurance offerings.
- Investment Products: Returns from savings and investment products including Fixed Deposit Accounts, Notice Deposit Accounts, Call Accounts, Ipeele Savings, SureSave, and Prime Linked Investment Accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | SME Banking - turnover up to P2 million |
| Transaction based/ take rate | Monthly | Wholesale Banking - turnover P4 million and above |
| Other | Multi-year contract | Commercial Loan |
| Transaction based/ take rate | Monthly | Business Cheque Account |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Bank Gaborone product offering
Product offeringCore offering
Bank Gaborone is a full-service commercial bank offering transactional accounts, savings and investment products, personal and commercial loans, trade finance, foreign exchange services, and bancassurance products to retail consumers, SMEs, large corporates, and agribusinesses in Botswana. The bank distributes these products through 12 branches, 22 ATMs, 1,100 POS machines, and digital channels including e-pula Internet Banking, Tobetsa Mobile Banking, and SMS Alertz. It holds over 67% of the formal market share in agriculture lending in Botswana.
Product overview
Bank Gaborone offers a comprehensive banking platform consisting of multiple product categories. The core offerings include transactional accounts (Wiz, Fuze, Easy Transact, Cheque, Selekt Silver, Selekt Gold) for everyday banking; savings and investment products (SureSave, Ipeele, Fixed Deposit, Notice Deposit, Prime Linked Investment); electronic banking channels (E-Pula Internet Banking, Tobetsa Mobile Banking, SMS Alertz, EasyWallet, Easy-2-Pay, Card-2-Card); lending solutions (Salary Advance, Sure Loan, BG Finance Personal Loans, Vehicle & Asset Finance, Home Loans, Commercial Loans, Property Finance); and trade finance services (Forward Exchange Contracts, Spot Transactions, Letters of Credit, Foreign Currency Accounts, Bonds and Guarantees). The bank also provides specialized SME Banking and Wholesale Banking divisions, along with Bancassurance products (Rotlhe Funeral Policy, Poelo Standard, Poelo Executive, Poelo Mortgage, Poelo Credit). The portfolio serves retail customers, SMEs, and large corporates across 12 branches in Botswana.
Differentiator
Problem solved
Functional benefit
Brands
- e-pula: Internet banking platform for personal and business customers
- Tobetsa
- SMS Alertz
- Prime Linked Investment Account
- Notice Deposit Account
- Fixed Deposit Account
- SureSave
- Ipeele Savings Account
- EasyWallet
- Easy-2-Pay
- Card-2-Card
- Rotlhe
- Poelo Standard
- Poelo Executive
- Poelo Mortgage
- Poelo Credit
Products and services
- E-pula Internet Banking
- Tobetsa Mobile Banking
- Card-2-Card Payment Solution
- EasyWallet
- Easy-2-Pay
- Wiz Account
- Fuze Account
- Easy Transact Account
- Cheque Account
- Selekt Gold Account
- SureSave Account
- Ipeele Savings Account
- Fixed Deposit Account
- Notice Deposit Account
- Prime Linked Investment Account
- Mosangana Home Loans
- BG Finance (Unsecured Personal Loan)
- Vehicle & Asset Finance
- Commercial Loan
- Property Finance
- Purchase Order Financing
- Rotlhe Funeral Policy
- Poelo Standard
- Poelo Mortgage
- Poelo Credit
- Forward Exchange Contract (FEC)
- Letter of Credit (LC)
- Foreign Currency Account
- Bonds and Guarantees
- SME Banking
- Wholesale Banking
Quantifiable outcome
- 67%+ market share in formal agriculture lending
- +2 more outcomes
Companies that use Bank Gaborone
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Bank Gaborone technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Bank Gaborone partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor.
- Camphill Community TrustminorBank Gaborone's CSR Committee HopeStars and Sparkfolio Service Stars attended the Camphill Community Trust Fundraising Gala Dinner on 24 October 2025 at Grand Palm. The event celebrated 51 years of Camphill's work supporting learners with intellectual and developmental disabilities. Funds raised went toward building new classrooms fostering inclusion and learning.
- Botswana Police ServiceminorBank Gaborone was Silver Sponsor for the Police Commissioners Run, an event celebrating unity, fitness, and community safety, graced by His Excellency the President.
- Insights ConferenceminorManaging Director Olebile Makhupe participated in the Insights 2025 Conference held at Phakalano Golf Estate, engaging with government, private sector, and academia stakeholders on Botswana's socio-economic transformation.
- Morupule Coal MineminorBank Gaborone participated as Bronze Sponsor of Morupule Coal Mine's Annual Charity Cycle Challenge 2025. The bank connected with the community at its stall in Palapye for charity and togetherness.
- BIUST (Botswana International University of Science and Technology)minorBank Gaborone's Head of Wholesale Banking presented a prize to the student recognized for Best Innovative Project at the BIUST Graduation 2025. Bank Gaborone remains committed to encouraging young innovators.
- Financial Intelligence Agency (FIA)minorBank Gaborone sponsors FIA Walk Against Youth Involvement In Financial Crimes, taking a stand to protect and empower youth and build a safer future.
- Stockmans ChoiceminorThe Letsomo Brahman Stud Production Sale auction streamed online via Stockmans Choice platform, allowing virtual participation alongside physical attendance.
Scale indicators7 records
Recent moves8 records
Expansion highlights5 records
Bank Gaborone competitors and assessment
Company assessmentDirect peers
- Bank Windhoek: Sister institution within Capricorn Group and the group's flagship commercial bank in Namibia. Directly comparable retail, SME, and wholesale banking franchise; differences are geographic (Namibia vs Botswana) and the specific agribusiness dominance Bank Gaborone holds.
- Absa Bank Botswana: Subsidiary of Absa Group (South Africa), a full-service commercial bank in Botswana. Directly competes with Bank Gaborone in retail, SME, and wholesale banking, leveraging the parent group's African footprint.
- Stanbic Bank Botswana: Subsidiary of Standard Bank Group, one of the largest banks operating in Botswana. Competes directly with Bank Gaborone in retail, corporate, and trade finance, with substantially greater balance sheet scale.
- First National Bank Botswana: One of the largest commercial banks in Botswana, part of South Africa's FirstRand Group. Directly competes with Bank Gaborone across retail, SME, and wholesale banking, with a much larger branch and digital footprint.
- Standard Chartered Bank Botswana: International bank with a Botswana franchise serving retail, SME, and corporate clients. Overlaps with Bank Gaborone in trade finance, foreign exchange, and corporate banking, with stronger international network capability.
- African Banking Corporation Botswana (Atlas Mara): Commercial bank in Botswana offering retail, SME, and corporate banking. Direct competitor to Bank Gaborone with a similar mid-sized positioning and overlapping product suite.
- Nedbank Botswana: Subsidiary of Nedbank Group, providing retail, commercial, and corporate banking in Botswana. Comparable product suite and customer segments to Bank Gaborone, with stronger South African banking parent backing.
Regional players
- Letshego Holdings: Botswana-headquartered financial services group focused on inclusive lending across Africa. Comparable due to Botswana origin and SME/consumer lending focus, though narrower in deposit-taking and digital banking than Bank Gaborone.
Emerging players
- Capitec Bank: South African retail bank with a digital-led, low-cost model; not directly operating in Botswana but a useful strategic benchmark for how Bank Gaborone's digital roadmap could evolve. Comparable digital-first retail proposition.
- Access Bank Botswana: Subsidiary of Access Holdings (Nigeria), growing presence in Botswana through retail and SME banking. Comparable product offerings with a stronger African multi-country digital infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights6 records
Customer concentration
Bank Gaborone social profiles
Digital presenceBank Gaborone compliance and trust
Trust signalCompliance3 records
Bank Gaborone financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank Gaborone leadership team
Management profileNumber of profiles
Profiles5 records
Bank Gaborone funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank Gaborone 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 Bank Gaborone
What does Bank Gaborone do?
Bank Gaborone is a full-service commercial bank offering transactional accounts, savings and investment products, personal and commercial loans, trade finance, foreign exchange services, and bancassurance products to retail consumers, SMEs, large corporates, and agribusinesses in Botswana. The bank distributes these products through 12 branches, 22 ATMs, 1,100 POS machines, and digital channels including e-pula Internet Banking, Tobetsa Mobile Banking, and SMS Alertz. It holds over 67% of the formal market share in agriculture lending in Botswana.
Is Bank Gaborone a public or private company?
Bank Gaborone is a private company. It is classified as corporate owned and is currently operating.
When was Bank Gaborone founded?
Bank Gaborone was founded in 2006. It employs 251 to 500 people.
Where is Bank Gaborone based?
Bank Gaborone is headquartered in Gaborone, Botswana, in the Africa region.
How does Bank Gaborone make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are transaction Banking Fees, foreign Exchange Services, bancassurance Products and investment Products.
Who are Bank Gaborone's main competitors?
Direct peers on record are Bank Windhoek, Absa Bank Botswana, Stanbic Bank Botswana, First National Bank Botswana, Standard Chartered Bank Botswana, African Banking Corporation Botswana (Atlas Mara) and Nedbank Botswana. Letshego Holdings is listed as a regional player. Emerging players are Capitec Bank and Access Bank Botswana.
Does Bank Gaborone have an API?
No public API is recorded for Bank Gaborone.
What industry is Bank Gaborone in?
Bank Gaborone's product category is Retail Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6021.