Frequently Asked Questions

• Its a distinctive approach bringing two financing products having a commercial and non-commercial features aligned with Sharia principles and clear financial benefits
• The murabaha shall constitute 80% of the total financing request
• The Qard shall took 20% of the total financing request or ETB 20,000,000.00 whichever is lower
• The Qard financing shall facilitate to help customers manage their overhead costs like salary, rent, utilities and the like
• If the disbursement is to be executed using a phase approach, the Qard and Murabaha components should be allocated in equal proportions; but if the disbursement is to made at once the Murabaha shall come first.
• This financing scheme is only intended to address inherent demands of DTS and Manufacturing sector financing customers.

• A hybrid financing product combining the profit generating aspect of Murabaha with the cost free finance essence of 
  Qard.

Dashen Bank super app is an innovative platform which offers a comprehensive suite of banking and lifestyle services, consolidating various features into a singular, user-friendly interface.

• Retail Customers-Easy fund transfers, account access, mini-apps, chat banking, payment services, and personalized financial budgeting.
• MSMEs-Quick loan applications, expense tracking, and credit scoring.
• Corporate Customers-Robust solutions for managing large transactions, chequebook requests, and additional mini-apps such as flight booking.
• Interest-Free Banking Clients-Shariah-compliant services and Caters to the demand for ethical banking practices in areas where interest-free banking is relevant.

You can manage your profile by going to “Profile” on the bottom menu. Here, you can change your profile picture, update your PIN, manage account settings, set your default account, and enable or disable budget pop-ups. You can also turn on biometric login, view terms and legal information, and get help. Additionally, you can unlink your device or log out.

Yes, of course! There is a “Statement” menu inside our app that allows you to view your transaction records for a selected time frame. To get your statement, click the “Statement” menu on the home page, select your account, choose the starting and ending dates, then click “Generate.” You will be able to easily view your statement with all transaction details and balances.

All transactions made in the app will be recorded on the Transactions page, where you’ll see the title, amount, date, and transaction type. Each transaction has a detailed page with all relevant information. If needed, users can print or download the receipt for a specific transaction using the provided download button.

When your budget time period ends, it moves to “Previous Budgets” with a history of your expenses.

Yes, the super app offers a budget management feature that lets users set budgets for specific time periods and track their expenses. To access this feature, select the “Budget” menu from the home page. From there, you can create a budget, categorize expenses, and track spending. Each transaction will give you the option to allocate it to a budget, or you can manually add expenses. 

The chat option allows you to connect with other Dashen Super App users. Within the chat, you can send money, request money, or top up a phone. Managing money requests and transactions is simple—just select the desired menu, add the amount, confirm, and enter your PIN or OTP + PIN to complete transfers directly from the chat.

Mini apps are smaller applications integrated within a main app, providing various services for users. With a super app, users can easily access different sectors’ services in one place, like payments, shopping, banking, and more. These mini apps allow seamless transactions, leveraging the main app’s features for convenience, so users don’t need to download separate apps.

On the “Home Page,” select the “Request Money” option. Enter the recipient’s account number and the amount, then submit your request. You can track the status of your requests under “My Requests” in categories such as paid, waiting approval, rejected, or canceled.

Yes, on the home page, select the “Merchant Payment” menu. Then, enter the merchant’s till number or merchant ID, or scan the merchant’s QR code. After that, simply enter the amount, select the account, confirm the transaction, enter PIN or OTP + PIN and complete the payment process.

Tap “Pay with QR” on the Home page and scan the merchant’s or user’s QR code. If the QR code includes an amount, it will be auto-filled; if not, you can add the amount and a tip if needed. Choose your account, confirm the payment, enter PIN or OTP + PIN and you’ll receive a notification once the payment is complete. To receive payments via QR, tap “My QR” on the Home page, and your QR code will appear, ready to be scanned for easy payments.

Yes, you can. Select ‘Transfer to My Own Account,’ choose the accounts to transfer from and to, and enter the amount. Confirm the transaction, enter your PIN or OTP + PIN, and complete the transfer. The money will be moved between your accounts instantly.

Yes, you can. On the Home Page, select the ‘Microfinance’ menu. Choose from available microfinance institutions like Awach, Sahay, and others. Enter the deposit amount, select your account, confirm the transaction, and enter your PIN or OTP + PIN to complete the deposit easily.

On the Home Page, select the ‘Load Wallet’ menu from the available options. Choose from the available wallets, such as Telebirr, M-Pesa, or others. Enter the linked phone number, select the account to transfer from, specify the amount, and confirm the transaction. Enter your PIN or PIN + OTP, and the funds will be added instantly.

On the Home Page, select the ‘Bill Payments’ menu under the transfer options. You’ll see a list of available bill payment services, such as Ethiopian Airlines, school fees, traffic authority payments, fuel payments, and more. After selecting a service, enter the payment code. Once the payment amount is displayed, choose your payer account, confirm the transaction, and enter your PIN or PIN + OTP to complete the payment easily.

IPS is an Instant Payment service which works like ‘Send to Other Banks’ but offers instant money transfers. Select a bank from the list, enter the recipient’s account number, confirm the transaction with your PIN or OTP + PIN, and transfer funds instantly—providing a faster alternative to regular transfers.

On the Home Page, select the “Mobile Top-Up” menu. Choose your telecom operator, either “Safaricom” or “Ethio-telecom,” and select “For My Number” or “For Others.” If topping up for someone else, enter their phone number. Choose the amount, confirm the details, and enter your PIN. The airtime will be added instantly.

Yes, you can. On the “Home Page,” select the “Transfer to Other Banks” option. Choose the recipient’s bank from the list, enter their account number, select your account if applicable, and specify the amount. Confirm the transaction by entering your PIN, and you’ll receive a success notification once the transfer is complete.

On the “Home Page,” select the “Transfer to Dashen Account” menu. Enter the recipient’s account number and choose your linked account if you have multiple accounts. Specify the amount, select a budget category if necessary, and confirm the transaction by entering your PIN or OTP + PIN. Once completed, you’ll receive a confirmation message.

On the home page, users can view their account balance along with the linked account number and any set budgets. If multiple accounts are linked, they are displayed as separate cards. Additionally, key transfer features such as “Send to Dashen,” “Send to Other Banks,” mobile top-up, utility payments, and other transaction options  and Notification menu are conveniently displayed for easy access.

On the login page, there’s an option to reset your PIN. However, this can only be done after visiting the nearest Dashen bank branch. A branch officer will send a verification page for you to reset it.

NB: If you make five wrong login attempts, your account will be locked, and you will need to reset your PIN by following the process outlined above.

Yes, you can. On the app’s first screen, there’s an option to activate your account. You’ll need to verify your account with an OTP code, which is sent after visiting the nearest Dashen branch. For security reasons, you’ll need a branch officer to activate your account.

Yes, you can. Start by opening the app and selecting “Link Account”’ Enter your phone number and account number to be linked, then verify yourself with an OTP. Create a new PIN to join the app. Next, visit the nearest Dashen Bank branch to activate your account, link it to the app, and manage it fully.

Yes, you can. Start by opening the app and selecting “Create Account.” Fill in the required information, verify your identity, and set up the app account. Then, visit the nearest Dashen bank branch to open a Dashen account, link it to the app, and manage your account fully.

When you open the app, you’ll see three options to onboard. Choose “Create New Account” to set up both the super app and Dashen bank accounts. If you already have a Dashen account, select “Link Existing Account” to connect it. For accounts that need activation, use the “Activate Account” option.

• It provides a short-term financing facility designed to meet customers’ working capital needs.
• Is intended to serve customers of the bank engaging in the buyer side and the seller side of agricultural commodity transactions.
• It has a very short financing processing time, quick and efficient financing processing and disbursement service is crucial for the customer because of the dynamic commodity market price especially during the harvest season.
• Maximum Tenure of Financing is set to be 6 Months.
• Financing is secured by warehouse receipts, which represent ownership rights over the underlying stored commodities, granting perfected security right for the Bank.
• Customers shall be availed with financing up to 70% net of the WR value.
• Minimum draw-down size is set at 200,000.00 Birr (release request per WR).
• If the total amount of approved financing is less than 200,000 Birr, the whole amount shall be released in at once.
• The customer may serve as the banks’ agent to sell the product to Third party.
• The bank may reserve the right to sale the product directly to a third party.

• Farmers- can use the seller side Sharik WRF to get better market price for their produce
• Farmer organizations, agro-processors and other aggregators purchasing commodities as part of their business can access working capital through the buyer side Sharik WRF to increase their aggregation capacity during harvest where the agricultural commodities are fresh and abundantly available in the market.

• The product is intended to serve customers of the bank engaging in the buyer side and the seller side of agricultural commodity transactions. The seller side WRF is designed combining the Murabaha and Tijara contracts while the buyer side WRF relied on the murabaha principles.

• Sharik Warehouse Receipt Financing(WRF) is a financial arrangement whereby farmers, agricultural cooperatives and agro-processors can access bank financing by pledging their warehouse receipts issued against commodities stored in accredited warehouses.

• E-commerce, or electronic commerce, refers to the buying and selling of goods and services over the internet. It encompasses a wide range of online business activities, including: Online retail, Market platforms, hotel and traveling booking through E-Commerce.

• MPGS (MasterCard Payment Gateway Services) is a payment gateway platform that helps businesses process online transactions securely and efficiently. It is integrated with MasterCard, a leading payment network, enabling businesses to accept payments from customers using MasterCard and other supported cards.

• Pay by Link is an innovative online payment solution that allows businesses to send payment requests via a secure link. This method enables customers to complete transactions without needing cash or directly entering card details on a website.

• Wide Range of Payment Options: Accept payments from all major card types, including American Express, Visa, and MasterCard.
• Secure Transactions: With industry-standard security protocols, MPGS ensures that your customers’ data is protected at all times.
• Real-Time Reporting: Stay informed with detailed reports on your transactions, helping you manage your business efficiently through the MPGS Dashboard Portal that will be shared to the merchant.
• Boosting Hard Currency Earnings: enables merchants in Ethiopia to accept payments in foreign currencies. This feature is particularly beneficial for businesses looking to expand their reach to international customers.

• Hotels
• Guest houses
• Apartments
• Tour & Travels
• Car Rentals
• Supermarkets
• Healthcare centers and other business sectors
• E-commerce Businesses: Online retailers looking to provide a seamless checkout experience for their customers.
• Exporters and other businesses

1. Application and agreement: merchants must fill application and agreement form
2. Legal Document: the below listed legal documents are required

• Commercial License (Must be renewed)
• Business license
• Tin registration
• Trade Name license (If any)
• If the merchant is partnership (Memorandum of Association and Article of Association, which are mandatory.

• Download DubeAle App from Play Store or App Store.
• The Applicant must provide his/her phone number which is currently under his/her possession and actively working;
• The Applicant must provide his/her true and accurate personal information;
• To activate the service; the customer should visit his/her branch where the account is maintained to link his/her account with the DubeAle platform.
• The Applicant must authorize the transaction by providing the OTP sent through his/her phone number, in other words by providing the number the Customer is digitally signing to allow the transaction; and
• The Applicant must possess his/her phone number whenever accessing the DubeAle application.

• A saving deposit account that pays progressivly, above the minimum saving interest rate which is designed to meet the investment and financial management needs of for-profit and non-profit organizations.

• Cooperatives, Unions, Institutions, Organizations, Associations, Business entities, etc.

• Offers detailed monthly account statement report free of charge
• Pays a progressive interest rate calculated on the end of day balances
• Offers priority access for credit to target customers; including members

For Entities under formation

• Letter from the licensing authority requesting the opening of a blocked account
• TIN registration certificate (TIN)
• If the entity is foreign society or charity it shall present a letter of support from the charities and societies agency
• Valid and renewed ID card of the person authorized to operate the account.
• The account will be operational upon notification of the licensing authority on the organization’s full formation.

Operational Entities

• A commercial registration and a renewed business license/ certificate of registration as the case may be, issued by the pertinent government authority.
•  Present a duly stamped and Authenticated rules and regulations, partnership agreements, articles and memorandum of associations or other pertinent by-laws that govern its operation.
• Minute of the recent meeting of the general assembly which clearly shows the pertinent resolutions.
• TIN registration
• If the entity is Foreign Society or Charity, it shall present a letter of support from the charities and societies agency
• The customer should submit a stamped application letter signed by the authorized person (s) to open and operate the account.
• Valid and renewed ID card of the person(s) authorized to open and operate the account

• The spending limit of interest free DubeAle is set to be a maximum of ETB 700,000.00. Customers can purchase any halal product/service what they desire in one instance or on multiple occasions. However, utilizing his/her spending limit for the purpose of converting same in to cash is highly prohibited.

• 18 years old and above;
• Have an IFB active account at Dashen Bank or open a new one if not have one;
• If the applicant is employed individual;

Should provide unconditional institutional guarantee (from businesses or institutions that is operational in Ethiopia for at least one year, and must have business relationship with Dashen Bank for at least three months.  However, if the employer is a government organization, these criteria may not apply.

• For business owners;

Line of business should be Shari’ah Compliant,

Should present renewed business license & registration certificate, Tax clearance, letter from pertinent government office, and other legal documents.

The applicant should provide acceptable collateral.

• DubeAle is a short-term, Interest-free digital financing solution offered by Dashen Bank. It is extended in the form of Murabaha Structure (Cost plus mark-up) that Dashen Bank renders in collaboration with merchants and traders. It enables IFB customers to purchase Shari’ah Compliant goods and services and pay later with three months, six months or a year tenure at an equal monthly installment (Repayment) modality.

• The financing periods have three options i.e. Three Months, Six Months and One Year; while the repayment shall be made with equal monthly installments.

• Customers can access list of Halal Merchants including their physical address, Telephone Number and or Website on Interest Free DubeAle application.

• Buy the things you loved to have and pay the bills latter through Dube. The application is “A Buy Now Pay Later” platform which enables applicants to buy shari’ah compliant products and/or services from our various partner Merchants and Pay the bills through installment payments with zero interest.

• A saving account for frequent shoppers entitles them to a better shopping experience, through transaction cash-backs, and financing their purchases of household items.

• Savvy customers with frequent shopping.
• Opened with a minimum initial deposit balance of ETB 50,000.

Yes;

• Basic Shoppers Club membership: ETB 50,000;
• Blue Shoppers Club membership: ETB 100,000;
• Silver Shoppers Club membership: ETB 200,000;
• Gold Shoppers Club membership: ETB 300,000;
• Platinum Shoppers Club membership: ETB 400,000.

• Valid and renewed ID card.
• Tax registration certificate(TIN) [Optional].
• Two recent photographs.
• Minimum account opening balance

• Pays an annual interest rate of 7.00% on the monthly minimum balance.
• 6%-10% Dashen Bank’s POS Merchant and Amole Merchant purchase discounts based on club membership level.
• Access to Buy Now Pay Later [DubeAle] and FNPL loan.

• It’s an Account to elevate your travel experience with access to loans for international flight tickets, special discounts on domestic transactions, and a range of financing services that enhance your travel experiences.

• Retail customers with frequent personal or business travel.

• Valid and renewed ID card
• Tax registration certificate TIN (mandatory for FNPL and Dube Ale Access)
• Two recent photographs
• Minimum Travellers club membership balance (500,000 birr)
• Read, understand, fill and sign the terms and conditions stipulated for the account.

• The customer shall open and maintain the Travelers’ Club Account for at least 90 days before the first request for FCY allocation.
• The interval between any subsequent FCY allocation requests shall be at least 90 days.
• The customer shall duly fill and send the FCY allocation request form four working days before the planned day of travel.
• The customer shall present proper legal documentation asserting the travel

• Pays an annual interest rate of 7.00% on the monthly minimum balance
• Entitles the customer for FCY provision for international travel
• Five percent [5%] discount on local transactions and purchases from the Bank’s partner travel agents, hotels, resorts, and other shopping, recreational and vacation centers.
• Privileged and expedited access to Fly Now Pay Later [FNPL] and Dube Ale loans
• Automatic credit processing and approval of FNPL and DubeAle loans.
• FNPL or DubeAle loan can be availed against the locked minimum initial cash deposit, up to a maximum of 75% of the deposit or the borrowing capacity of the customer, whichever is lower.
• Priority to access the Bank’s other consumer loan products.

• Basic Travelers Club membership: ETB 500,000
• Blue Travelers Club membership: ETB 1,000,000
• Silver Travelers Club membership: ETB 1,500,000
• Glod Travelers Club membership: ETB 2,000,000
• Platinum Travelers Club membership: ETB 2,500,000.

• The customer shall deposit the minimum initial deposit amount through cash deposit or fund transfer at once.

• The customer can transfer, transact or withdraw funds above the minimum balance of the club membership he/she registered to without losing his club membership.

• A saving account that pays progressive interest to be opened and operated by Equb Administrator’s only.

• Can be opened with Zero Balance but shall be closed if no credit is made within 30 days.

• First, you have to present a renewed Proof of Identity (ID card, Driving License, Passport)
• Two recent photographs of the account operators
• Formal or Semi-formal agreement on the formation and administration of the association signed by all members and administrator(s) indicating

1. 1. 1. List of Equb members and their periodic contribution
      2. List of account signatories and their respective limit

• All members shall have regular saving/current in any branch of the bank

• Pays progressive interest rate up to 9%.
• Both Administrator and members are entitled to business loan.

• Telebirr Mela: (Micro Credit) enables customers to borrow money for any transaction or withdrawal of 2,000.00 per day, 5,000 per week, and 10,000.00 per month as credit limits
• Telebirr Endekise: (Overdraft Service) permits users to borrow up to ETB 2,000.00 for an emergency transaction.
• Telebirr Sanduk: (Micro Saving) provides micro saving services to customers.

• You must first go to their respective embassies and send a letter of attorney to their representative.
• Then representative can go to the foreign minister and obtain the original document.
• Finally they can bring the documents and open the account after having the documents authenticated at the Document and Authentication Bureau.

• Login to Amole IB.
• Select Bill Payment .
• You will see school fee from the list and click on it to proceed.
• Select source/debit account.
• Enter PNR to search the payment.
• An outstanding payment amount and school name will be displayed to pay.
• School name and amount is displayed during lookup. If the information is correct, customer proceeds to payment.
• Customer confirms the transaction through OTP and the payment will be successful.
• Customer can download the transaction on PDF.

• Applicants are advised to prepare the following documents.
  • Residence (Kebele) ID.
  • Business license.
  • TIN certificate.
  • Evidence showing number of employees.
  • Evidence of the business presence in the area (photos).

• Businesses that do not have valid business license.
• Enterprises that do not meet social, environmental, and governance compliance criteria (alcohol, tobacco & drug-related businesses, weapons manufacture & war-related activities, gambling/betting, sex-related industries)
• Enterprises using the funds for unlawful and political purposes.
• Enterprises owned by state or parastatal actors.
• Enterprises with undue private benefit.
• Business situated in Addis Ababa are not eligible

• Interested MSME owners can register themselves on the application portal: www.ethiomesmer.com by following the instructions there.
• MSMEs can also apply on the portal by visiting your nearest Dashen Bank branch.

• The customer shall maintain Dashen Bank Account.
• Branch approves limit -Maximum of Birr 600,000.00 (Based on borrowing capacity of the customer taking 1/3rd of income).
• Customer gets the approved spending limit and unique user ID with SMS notification.
• Book a flight on EAL booking app (FlyGate).
• Choose FNPL from the list of payment options, effect payment using the unique customer ID and one-time password.
• Receive confirmation on email of the flight booking then fly.

• Customers shall maintain an account within Dashen Bank.
• Customers are required to present proof of income, marriage certificate, renewed business license, commercial registration, TIN, and tax clearance.
• Customers are required to offer acceptable collateral for the service.
• Employed individuals or self-employed individuals are eligible to apply for the service.

There are fundamental principles that businesses have to abide by if they’re interested in interest-free banking (sharik). These are:

• The profit and loss of the business has to be proportional to the risk.
• A business in the making money out of money industry (usurious lending) isn’t applicable.
• A company currently in the business of Gharar (uncertainty, speculation, ignorance, deception) is prohibited.
• Businesses in the gambling industry are also prohibited.
• Lastly the business must invest on permissible product or services thus can’t engage in business like trading in pork or alcohol.

• No, it’s made with all consumers in mind, including those who have Sharia-compliant businesses and are griped with interest-free banking.

• Although switching the device a customer uses for Amole won’t affect the transaction, you can simply sign in to the new device using your password and username however, If you happen to change the SIM card of your device, you can visit your nearest Dashen Bank branch and register the new number. You must also provide a valid ID and passbook.

• Dashen bank acquires multitude of local and international card such as debit card, VISA international card, AMEX international card, MasterCard international card, and China Union Pay international card.

• You can either visit your nearby branch after 24 hours of transaction to make the necessary corrections or phone 6333 to inform the call center to reverse your account.

• Yes, through a foreign currency savings account with Dashen Bank, where savings are kept in USD, GBP, or EUR for Ethiopian residents (as well as foreign nationals of Ethiopian descent), and Hawala savings account, where customers can only withdraw in local currency and cannot convert it back into a foreign currency.

• According to the national bank of Ethiopia guidelines, Dashen Bank exchanges a multitude of foreign currencies such as US DOLLAR, POUND STERLING, EURO, SWISS FRANK, SWEDISH KRONER, NORWEGIAN KRONER, DANISH KRONER, DJIBOUTI FRANC, JAPANIS YEN, CANADIAN DOLLAR, SAUDI RIYAL, UAE DIRHAM, CENTRAL AFRICA FRANC, INDIAN RUPEE, KENNYAN SHILLING, AUSTRALIAN DOLLAR, SPECIAL DRAWING RIGHT, SOUTH AFRICAN RAND, CHINESE YUAN, and KUWAITI DINAR.

• You can either dial 6333 and notify our Call Center to block the debit card or visit your nearest Dashen Bank branch.

• Yes, Sharik cards can be used on any of Dashen Bank ATM and POS machines.

• The consumer must first offer collateral depending on the type of loan. It will also be necessary for Dashen Bank to assess the type of business the customer intends to operate in. Additional paperwork required from the consumer includes a TIN number, business license, tax clearance, VAT certificate, and others, for detailed information visit your nearest branch.

• Visit your nearby Dashen Bank branch or use Amole mobile banking to transact money.

• By visiting your nearest Dashen Bank branch, you can easily open Amole wallet.

• You can simply create Amole banking by visiting your nearest Dashen Bank branch, You must also provide a valid ID and passbook.

• By visiting your nearest Dashen Bank branch you can simply reset your Amole mobile banking, You must also provide a valid ID and passbook.

• By visiting nearest local Dashen Bank branch, you can reactivate a dormant account. You must provide a valid ID and passbook.

• Any account can be used to receive through our IMT service

• The user ID on amole wallet is the same as Amole mobile banking which is the registered name or phone number.

• You can open a Dashen Bank account and ask for the prepaid card by going to any nearby branch. Please remember to bring your travel documents, including your passport, visa, and airplane ticket.

• Simply visit our nearby branch. You must bring a passport-sized photo (or two photos if a passbook is needed), a renewed ID or passport, and a minimum initial deposit of birr 50.00 to start a savings account.

• You can receive up to birr 700,000.00 based on your credit score by visiting your closest branch and downloading the app in advance. You must also be over the age of 18.
• For employees you must provide a letter from your immediate supervisor which will used as proof of employment
• For business owners you must first provide TIN, trade license, business registration, and others.

• It is MasterCard Branded prepaid international Card issued by Dashen Bank.

• There are two types of Cards, i.e. Plastic and Virtual Cards. The plastic Card also have personalized and non-personalized Cards where the customer name can be printed or not.

• It is a digital Card that is available online and don’t have a physical form.

• It is used to carry out e-commerce transactions.

• You can visit Dashen Bank Forex Bureaus or the nearest Branches.

• First, you need to open Bank account at any of Dashen Branches. Then, you shall bring valid Passport, valid visa, and valid flight ticket.

• No, it is not a must to have a foreign currency Bank account.

• Yes, but only if you have foreign currency account as per NBE eligibility criteria.

• Yes, you can have both Plastic and Virtual Cards.

• You still have an alternative Non-personalized Card and all other functionalities are the same with that of personalized Card.

• No, you can only have one plastic Card.

• You can use your Card on E-commerce, ATMs and POS machines where MasterCard is accepted.

• You can set your own PIN through Cardholder portal using the below URL. https://mea.cardholder.mastercard.com/mpts/eis/app

• Yes, but you shall download the transaction receipt for future needs or queries.

• You need to enter the Card number, expiry date, and Card verification value

• You can get it on the face of the plastic Card. If it is virtual Card, you can download your Card detail from the Cardholder portal.

• You can get it at the back of your Card. If it is virtual Card, you can download your Card detail from the Cardholder portal.

• You can use the Card until the expiry date.

• The Card expires after two years of its issuance.

• Yes, a valid e-mail address is required as the Card management is through self-service portal.

• United States Dollar is the currency of the Card and every transaction is effected with USD.

• You can withdraw up to USD 400 from ATMs and up to available balance using POS and e-commerce. The minimum transaction amount is USD 1.

• You can block/unblock your Card whenever you want using the Cardholder portal you used to set your PIN or visit Dashen Branches/Forex Bureaus or call to our 24/7 Contact Center through 6333.

• Your Card is protected with PIN on ATMs and POS machines, and with OTP on E-commerce sites.

• It is a onetime password sent to your registered mobile number or e-mail. It is used to authorize your transactions. Unless you enter the OTP on the space provided, the transaction will not be executed.

• Yes, the Card works locally and internationally where MasterCard is accepted.

• It is a type of Card where you are not required to put the Card in ATM or POS machine to withdraw or make transactions. You can simple tap the ATM or POS machine with Card and process your transaction.

• Yes, it is dual interface where you can carry out contact or contactless transactions.

• No, PIN is not required for transactions below USD 50.

• Contactless payments provide secure encryption technology and Zero Liability Protection and are as safe as your regular card.

• You can visit the nearest Forex Bureaus or Branches.

• You will receive an e-mail with your remaining balance whenever you carry out transactions or you can login to the Cardholder portal to see.

• You can login to the Cardholder portal and download your transaction statement with date range.

• You shall call to our Contact Center to get unlocked.

• You can reuse the balance in the Card whenever you have another trip before the Card expires or you can use it to transact on e-commerce sites or local ATMs and POS machines. In addition, you can apply for the refund of the remaining balance.

• Yes, balance can be reloaded on the Card up until the expiry date.

• No, the remaining balance can be refunded to your Bank account after the USD balance is converted to ETB using the prevailing exchange rate. However, if the Card was loaded from your FCY Bank account initially, the refund will take place in USD to your account.

• You can call to Contact Center through 6333.

• You shall raise your dispute within 90 days of the transaction execution.

• You shall not expose your PIN to others and you shall keep your Card and your Cardholder portal credential safe with you. In addition, you shall due care while using your Card on unknown websites.

• Transferring and receiving money
• Checking balance
• Purchasing air time data package
• DSTV Payment
• Purchasing airplane ticket
• Transaction service