orange bank africa

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.

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

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

• Digital retail banking
• Mobile savings accounts
• Consumer micro lending
• Prepaid payment cards
• Mobile money transfers

Headquarters

HQ city

Abidjan

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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).
3. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core 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

Named customers12 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability1 record

Feature6 records

Partnerships

13 partnerships are on record, tiered core and minor.

• SGPME (Société de Garantie des crédits aux PME)coreStrategic or Co-development Partner · 23 July 2027Orange 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'IvoirecoreStrategic or Co-development Partner · 17 December 2025Partnership 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-BassamminorStrategic or Co-development Partner · 28 June 2025Municipal partnership to strengthen financial inclusion for local populations in Grand-Bassam through targeted financial services and outreach programs.
• Commune de YamoussoukrominorStrategic or Co-development Partner · 12 June 2025Municipal partnership to support economic empowerment of local communities in Yamoussoukro through financial inclusion initiatives.
• GUIDE PMEcoreStrategic or Co-development Partner · 4 May 2025Partnership 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.
• REDICIminorStrategic or Co-development Partner · 10 February 2025Partnership to provide micro-credit solutions to teachers (institutrices) in Côte d'Ivoire through specialized financial products.
• Commune de KokumbominorStrategic or Co-development Partner · 10 January 2025Municipal partnership to support economic empowerment of local communities through financial inclusion programs.
• Commune de DioulatiedougouminorStrategic or Co-development Partner · 2 October 2024Municipal partnership to strengthen financial inclusion for women in rural Côte d'Ivoire.
• BirimianminorStrategic or Co-development Partner · 4 July 2023Partnership 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)coreStrategic or Co-development Partner · 3 July 2023IFC 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 JeunecoreStrategic or Co-development Partner · 10 January 2023Partnership 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)coreStrategic or Co-development Partner · 29 August 2022Partnership focused on women's economic empowerment through financial inclusion, targeting women-led businesses and organizations.
• Wilic InternationalminorStrategic or Co-development Partner · 16 June 2022Partnership 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

Broad 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

• Facebookfacebook.com/OrangeBankCI
• LinkedInlinkedin.com/company/orange-bank-ci

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 →

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