orange bank africa
Orange Bank Africa is a 100% digital, mobile-first bank and joint venture between Orange Group and NSIA, serving over 3 million clients in Côte d'Ivoire and Senegal with savings, micro-loans, prepaid Visa cards, and transfers via smartphone apps and USSD.
- Company typePrivate
- Founded2020
- HeadquartersAbidjan
- Headcount—
- GTM typeB2C
- OfferingServices
What orange bank africa does
Orange Bank Africa is a 100% digital, mobile-first bank operating in Côte d'Ivoire and Senegal, launched in July 2020 as a joint venture between Orange Group (telecommunications) and NSIA (pan-African financial services). Headquartered in Abidjan (Marcory Zone 4), the bank is regulated by BCEAO and is a member of the FGDR-UMOA deposit insurance scheme. As of February 2026, the company reported surpassing 3 million clients across the two markets, and management states it contributed to raising Côte d'Ivoire's bancarisation rate from roughly 20% to 30% over three years. The product suite centers on the Tik Tak family — Tik Tak savings (from 1 FCFA minimum), Tik Tak / Tik Tak+ / Tik Tak Prestige loans (5,000 to 2,000,000 FCFA), the prepaid Visa card, MoneyBank transfers, Rapicred quick credit, and a digital current account. A new Tik Tak Pro product for business owners was launched in 2026.
The underlying platform is built for smartphone (iOS/Android) and USSD feature-phone access via Orange Money (*144#), with proprietary features including OTP authentication, trusted device management, and behavioral credit scoring fed into BCEAO-compliant loan decisions. Revenue is generated primarily from interest and commissions on Tik Tak loans (capped at BCEAO's annual effective global rate, plus annual functioning fees), transaction fees (SICA/RTGS interbank transfers, UEMOA cross-border transfers, agency-channel transactions at 2,500 FCFA), and credit bureau fees via CreditInfo Volo; digital-channel transactions are free to the user. Distribution is self-serve on mobile, with one next-generation physical agency in Abidjan and Orange's wider retail and Orange Money agent network as service points. Partnerships with IFC, SGPME, Fondation SEPHIS, municipalities and NGOs drive community-level acquisition and SME/women/youth inclusion programs.
The go-to-market is product-led growth targeting both unbanked and banked individuals, SMEs and artisans, women, youth, and banked consumers seeking digital-first banking alternatives. Recent strategic emphasis is on SME financing (IFC and SGPME partnerships, Tik Tak Pro), women's inclusion (Fondation SEPHIS 500M FCFA program), and geographic expansion following the 2023 Senegal launch. Leadership transitioned in 2025–2026 with Audrey Koffi appointed Directrice Générale in May 2026, succeeding Jean-Louis Menann-Kouame.
orange bank africa firmographics
Firmographics- Name
- orange bank africa
- Legal name
- Orange Bank Africa
- Website
- https://orangebank.ci
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Short description
- Orange Bank Africa is a 100% digital, mobile-first bank and joint venture between Orange Group and NSIA, serving over 3 million clients in Côte d'Ivoire and Senegal with savings, micro-loans, prepaid Visa cards, and transfers via smartphone apps and USSD.
- Ownership category
- akta.pro rank
orange bank africa industry classification
Industry- Product category
- Digital Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Card Issuing (52221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022), Personal Credit Institutions (6141), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts) (FSABAAAL)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where orange bank africa is headquartered
LocationHeadquarters
- HQ city
- Abidjan
Offices1 record
Markets served
orange bank africa business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Loan Interest and Commissions: Revenue generated from interest charged on Tik Tak loans (ranging from 5,000 to 2,000,000 FCFA), including commission fees and annual functioning fees. Interest corresponds to an annual effective global rate (TEG) compliant with BCEAO regulations.
- Transaction Fees: Fees collected on banking transactions including interbank transfers (SICA and RTGS), domestic transfers, and cross-border UEMOA transfers. Digital channel transactions generally free; agency channel fees apply (2,500 FCFA per transaction).
- Credit Bureau Fees: Fees from reporting client credit information to Credit Info Volo (BIC - Bureau d'Information sur le Crédit) and managing credit risk data.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Tik Tak Loans: 5,000 to 1,000,000 FCFA for standard accounts; up to 2,000,000 FCFA for eligible clients |
| Subscription | Annual | Annual functioning fees for credit services |
| Other | Pay-as-you-go | Early repayment allowed without penalties |
| Transaction based/ take rate | Pay-as-you-go | Digital channel transactions: Free; Agency channel: 2,500 FCFA |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
orange bank africa product offering
Product offeringCore offering
Orange Bank Africa is a mobile-first bank offering digital current accounts, mobile savings, consumer and small-business credit, prepaid Visa cards, transfers, bill payments, and remittance services. Customers access the products through iOS, Android, USSD, and the Orange Money distribution network, with physical support available at its Abidjan agency.
Product overview
Orange Bank Africa operates as a 100% digital mobile-first bank targeting both banked and unbanked populations in West Africa. The platform combines a core mobile banking application with credit products (Prêt Tik Tak, Tik Tak+, Tik Tak Prestige), savings accounts (Épargne Tik Tak), payment cards (Carte Prépayée Visa), and transfer services (MoneyBank). The product architecture centers on accessibility via any mobile phone combined with tiered credit products based on customer history, allowing progression from basic savings and small loans to premium credit services. The bank operates as a joint venture between Orange (telecom) and NSIA, leveraging Orange's mobile infrastructure for distribution.
Differentiator
Problem solved
Functional benefit
Brands
- Tik Tak: Savings and loan product line offering savings accounts, term deposits, and credit facilities accessible via mobile phone.
- Rapicred
- MoneyBank
- Tik Tak Prestige
- Tik Tak Pro
Products and services
- Orange Bank Africa Mobile Application Primary digital banking platform providing account management, transfers, loan applications, savings, card services, and payments through iOS and Android applications.
- Tik Tak Savings (Épargne Tik Tak) Digital savings account accessible by mobile phone, allowing deposits from 1 Franc CFA with biweekly interest accrual and deposit protection up to 10 million F CFA under FGDR-UMOA coverage.
- Tik Tak Loan (Prêt Tik Tak) Entry-level mobile credit product allowing customers to borrow from 5,000 to 1,000,000 F CFA, including new borrowers without an existing Orange Bank relationship.
- Tik Tak Plus Loan (Prêt Tik Tak+) Enhanced mobile credit product for existing Tik Tak borrowers, offering higher limits and better rates than the standard Tik Tak loan.
- Tik Tak Prestige Loan (Prêt Tik Tak Prestige) Premium credit tier for established Orange Bank customers with a proven repayment history, offering the highest loan amounts and best rates in the Tik Tak line.
- Visa Prepaid Card (Carte Prépayée Visa) Prepaid Visa card for banked and unbanked customers to make online purchases, pay bills, and manage everyday transactions.
- MoneyBank Mobile money transfer and remittance service integrated with Orange Bank's digital banking ecosystem.
- Current Account (Compte Courant) Digital transaction account providing daily expense tracking, payment methods, and a banking identity entirely through the mobile application.
- Rapicred Quick credit service enabling customers to submit loan applications and receive decisions rapidly through the Orange Bank platform.
- Tik Tak Pro Professional loan and savings product designed for business owners under the Tik Tak product family.
Quantifiable outcome
- 3 million clients reached in Côte d'Ivoire and Senegal
- +2 more outcomes
Companies that use orange bank africa
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles5 records
orange bank africa technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability1 record
Feature6 records
orange bank africa partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- SGPME (Société de Garantie des crédits aux PME)coreOrange Bank Africa and SGPME signed two conventions to strengthen financing access for MPME (micro, small, and medium enterprises) in Côte d'Ivoire. The partnership aims to address the credit gap for SMEs by providing guarantee mechanisms.
- Care Côte d'IvoirecorePartnership to promote financial inclusion for community groups. Orange Bank Africa and Care Côte d'Ivoire united efforts to support underserved communities' access to financial services.
- Commune de Grand-BassamminorMunicipal partnership to strengthen financial inclusion for local populations in Grand-Bassam through targeted financial services and outreach programs.
- Commune de YamoussoukrominorMunicipal partnership to support economic empowerment of local communities in Yamoussoukro through financial inclusion initiatives.
- GUIDE PMEcorePartnership to strengthen access to financing for SMEs, TPE (micro-enterprises), and artisans in Côte d'Ivoire. GUIDE PME serves as a local support organization for small business development.
- REDICIminorPartnership to provide micro-credit solutions to teachers (institutrices) in Côte d'Ivoire through specialized financial products.
- Commune de KokumbominorMunicipal partnership to support economic empowerment of local communities through financial inclusion programs.
- Commune de DioulatiedougouminorMunicipal partnership to strengthen financial inclusion for women in rural Côte d'Ivoire.
- BirimianminorPartnership for financial innovation serving the creative and cultural excellence sector in Côte d'Ivoire. Supports artists and creative professionals with tailored financial services.
- IFC (International Finance Corporation)coreIFC partnered with Orange Bank Africa to increase digital lending to small businesses in West Africa. The IFC support aimed to expand credit access for SMEs through digital channels.
- Agence Emploi JeunecorePartnership for youth employment and economic empowerment, providing banking and financial services to young people entering the workforce.
- RAFAA (Réseau des Associations des Femmes Actives d'Afrique)corePartnership focused on women's economic empowerment through financial inclusion, targeting women-led businesses and organizations.
- Wilic InternationalminorPartnership for health awareness campaign supporting cervical, breast, and prostate cancer screening in Gagnoa. Community health support beyond financial services.
Scale indicators4 records
Recent moves8 records
Expansion highlights6 records
orange bank africa competitors and assessment
Company assessmentBroad incumbents
- Ecobank: Pan-African commercial bank with deep West African presence including Côte d'Ivoire and Senegal; offers digital banking, payments, and lending that compete with Orange Bank Africa's full-stack mobile model.
Direct peers
- NSIA Banque: Co-founder of Orange Bank Africa alongside Orange Group; pan-African financial group offering retail banking and digital services in the same WAEMU markets, including Côte d'Ivoire.
- Orange Money: Mobile money platform by the same Orange Group parent operating across Africa; offers transfers, deposits, and increasingly savings/credit features that directly overlap Orange Bank Africa's transactional and basic-deposit products.
- MTN MoMo: Leading mobile money service across West Africa; competes on transfers, deposits, and increasingly digital lending/savings in the same unbanked/underbanked segments as Orange Bank Africa.
- Wave: Mobile money operator active in Senegal (and expanding in West Africa) offering low-cost transfers and merchant payments; a direct regional competitor in Orange Bank's second market.
Regional players
- Banque Atlantique (Groupe Attijariwafa): West African commercial bank with retail and SME banking across WAEMU including Côte d'Ivoire and Senegal; competes for the banked and SME customer base Orange Bank Africa targets.
- Coris Bank International: WAEMU-headquartered commercial bank expanding in Côte d'Ivoire and Senegal with growing digital and SME offerings; a regional incumbent competing for the same MSME segment.
Emerging players
- Kuda Bank: Digital-first bank in Nigeria targeting unbanked/underbanked customers via mobile app; comparable digital-only, mobile-first proposition, though operating in a different West African market.
- FairMoney: Nigeria-based digital lender offering micro-loans via mobile to underbanked customers; closely comparable to Orange Bank Africa's Tik Tak microcredit product line in customer profile and delivery model.
- Branch International: Mobile-first digital lender operating across Africa with micro-loans to underbanked customers using alternative data underwriting; a relevant comparable on credit product design and target segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
orange bank africa social profiles
Digital presenceorange bank africa compliance and trust
Trust signalCompliance1 record
orange bank africa financial estimates
Financial estimateRevenue estimate
Valuation estimate
orange bank africa leadership team
Management profileNumber of profiles
Profiles2 records
orange bank africa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
orange bank africa 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 orange bank africa
What does orange bank africa do?
Orange Bank Africa is a mobile-first bank offering digital current accounts, mobile savings, consumer and small-business credit, prepaid Visa cards, transfers, bill payments, and remittance services. Customers access the products through iOS, Android, USSD, and the Orange Money distribution network, with physical support available at its Abidjan agency.
Is orange bank africa a public or private company?
orange bank africa is a private company. It is classified as corporate owned and is currently operating.
When was orange bank africa founded?
orange bank africa was founded in 2020.
Where is orange bank africa based?
orange bank africa is headquartered in Abidjan.
How does orange bank africa make money?
Three revenue lines are on record. Loan Interest and Commissions are the primary driver. The others are transaction Fees and credit Bureau Fees.
Who are orange bank africa's main competitors?
Ecobank is listed as a broad incumbent. Direct peers are NSIA Banque, Orange Money, MTN MoMo and Wave. Regional players are Banque Atlantique (Groupe Attijariwafa) and Coris Bank International. Emerging players are Kuda Bank, FairMoney and Branch International.
Does orange bank africa have an API?
No public API is recorded for orange bank africa.
What industry is orange bank africa in?
orange bank africa's product category is Digital Retail Banking. Its primary akta.pro industry code is FSABAAAL, Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 5221 and its SIC code is 6021.