Trusted savings, loans, and investment solutions designed for diaspora members, families, and entrepreneurs, owned by the people they serve.
ADCCUL was founded by Cameroonian business professionals at home and abroad to fix three failures they lived through themselves.
Millions are sent home each year, individually, informally, with no structure or long-term impact. Scattered effort means scattered results. We pool member resources so every franc works toward ownership: shares, savings, and funded projects you can visit.
See diaspora solutionsLocal entrepreneurs, farmers and traders are refused loans over collateral they don't have and rates they can't survive. Our member-based lending uses your savings history and community standing, with fair terms and quick disbursal.
See loan productsToo many families have been burned by institutions that answer to shareholders abroad, not members at home. ADCCUL is people-owned and people-run: every member is a shareholder with a vote, and our books answer to you.
How we're governedA hand up, not a handout.
Stop wiring cash that disappears. With our Diaspora Guarantee system, you guarantee the vision and ADCCUL funds the project directly, school fees paid to the school, materials delivered to the site, stock delivered to the shop.
A regulated Category 1 microfinance cooperative serving members with transparent financial solutions, our accounts are audited and reported to members every year.
Flexible loan solutions built around your savings record and real life, for farmers, traders, students, bike riders, taxi drivers and professionals alike.
Open and run your account from anywhere in the world. Support family, fund projects and invest back home, with verification, not blind trust.
Real people supporting your financial goals: a dedicated relationship manager, WhatsApp support, and free financial counseling for every member.
ADCCUL was publicly praised as the most efficient and accountable credit union, with top-notch integrity and the cheapest rates for local and international transactions.
From Belgium, I guaranteed my brother's poultry project through the Uplift Account. ADCCUL paid the suppliers directly and sent me photos of the delivery. For the first time, my money home became a business, not an expense.
I sell in Limbe main market. My savings record with ADCCUL got me a business loan when two banks said no. I restocked before the December rush and repaid early.
Member stories are shared with permission.
Registered and regulated Category 1 Microfinance Institution (Cooperative Credit Union): Republic of Cameroon. Affiliated with CamCCUL (the Cameroon Cooperative Credit Union League), whose encrypted digital banking platform powers our online services. Governed by a member-elected board with annual general assemblies and audited accounts.
Encrypted digital banking, verified disbursements, strict KYC on every account, and member data that is never sold or shared. Daily account balancing and dual-control cash handling at the branch.
15 Nambeke Street, Half Mile, Limbe, South West Region, Cameroon: UBA/EasyShop Building, Down Beach · next to Limbe I DDS Office, opposite the Community Field. Call or WhatsApp +237 682 775 254 · Monday – Friday, 8:00 am – 4:00 pm.
Use our free loan and savings calculators to see exactly what a loan costs and how fast your savings can grow, before you ever step into the branch.
Everything you need to join: requirements, fees, shares and first steps, in one printable PDF.
Download the guide (PDF)Talk to a real advisor about savings, a loan, or investing from abroad. No fees, no obligation.
Book a consultation