Thanks to our impeccable services, we were ranked 9th best Micro-Finance company out of over 400 competitors

RiC offers multiple account options to cover all your financial needs.

SAVINGS ACCOUNTS - Ordinary Savings-The Savings account allows you to save and generate interest on one's savings. It offers the advantage of being available at any time. It can also be used as initial contribution or starting capital at the creation of company or project.

• Daily Saving-a daily contribution of at least 500 FRS and above. It is mostly for petty-traders and customers who don’t have time to come to the bank to serve money. Collection at workplace.
• Agro-Pastoral Finance - This account is for RIC customers involved in agro-pastoral chain. They benefit from medium term loan schemes destine to finance agro-pastoral activities. Direct beneficiaries are; Individual producers, rural micro-entrepreneur, and cooperative group or other professional organization and service provider in the Agro-Pastoral sector.
• Retirement (old-age) Pension - The old-age pension account is intended for pensioners. This account allows them to better manage their income and benefit from financial supports such as: Overdrafts, Loans,  Bank charges debited quarterly.
• Student Accounts- Tailored to suit the needs of students. Can be opened by the student or parent on behalf of their children.
• Islamic Account-This account is designed base on Islamic fundamental principles   (Shariah) which believes in the equity participation and interest free. This account is open to the general public both Muslims and non Muslims. This account respects their religious and cultural identity. It prohibits the payment of interest.

FIXED DEPOSIT ACCOUNTS- A Deposit Account is a form of saving in which the customer asks his financial institution to block a specific amount of money for a certain period. Here the deposit is remunerated at a rate agreed between the institution and the saver. The interest generated by the money invested is paid on an agreed date.

CURRENT ACCOUNT-A current account is great for managing your day-to-day finances. You can receive regular payments such as wages, benefits, tax credits or pensions into your account, and set up payments out of your account in whatever ways you find convenient.

• Salary Accounts-Employees of the public, semi-public and private sector, have access to the SALARY PACK of RIC SA. From now, make your salary transfer and enjoy exceptional advantages See advantages stated on our prospectus. Advantages:•   First loans are interest free•   Opening of account is free.•   Express loans are given on request•   salary overdraft•   Possibility to obtain loan from the first transfer.•   Fast treatment of your loan from school fees loan within 24H at an unbeatable rate);•   Possibility to make withdrawals in every RIC counter;•   Liaison( Distance) operations can be done in all the branches of RICs network;•   Insurance policy to cover loan upon death•   Pre-financing before your salary goes through •   Access your account anywhere with (sms alert, account balance, statements…)
• Commercial Account-Built for legal entities (commercial companies and some organizations). Suitable for all business sizes. Advantages: Your projects can be financed via this account. In addition to the financing of your projects, it gives right to free councils for a better orientation and follow-up of those projects; Its operation is simple and is appropriate for business.
• The Association / GIC Account- Built for private companies which want the salaries of their workers to be paid through RIC.
• CNPS Pension Account-This is in two phases:   Retired civil servants, and   Private salary
• Retired Civil Servants' Account-Same documents required for the opening of salary account