No monthly fees. Flexible deposits from 100 FCFA a day. Annual dividends. Watch your small daily seeds grow into a powerful wealth engine.
Earn premium interest on your offshore savings while keeping your money working back home. Managed entirely online, with statements you can check from anywhere.
Flexible access for everyday needs, save daily, weekly or monthly, in amounts that fit real life. Built for farmers, traders, students, bike riders, taxi drivers and professionals.
Secure the future of your children back home. Save toward fees and needs on a schedule, with funds that can be paid directly to the school when the time comes.
The ADCCUL Diaspora Horizon Pension Plan turns loose daily change into a retirement. Put in $1, $5 or $10 a day for five years (the Seed phase, growing at 4%), freeze payments at 35, and let the Harvest phase roll your balance into our 7% high-yield pension investment account, where compounding does the heavy lifting for decades.
| Daily savings | Age 55 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|
| $1 / day | $1,000 | $13,000 | $25,000 | $40,000 |
| $5 / day | $5,000 | $15,000 | $40,000 | $70,000 |
| $10 / day | $10,000 | $30,000 | $65,000 | $100,000 |
Projections based on a 50-year-old member model and 7% high-yield interest. Start at 30 instead of 50 and your final wealth is nearly 400% higher, same out-of-pocket cost.
National ID card, birth certificate or passport, plus 2 passport photos.
A localization plan of where you live (we can help you sketch it at the branch).
Your one-time membership fee and an initial savings deposit of your choice.
A short know-your-customer form; approval is typically confirmed within days.
Deposit at the branch, through agents, or digitally, and share in annual dividends.
Leave your details and a savings advisor will call you back within one working day.
Rates and terms shown are indicative and set by the Board; please confirm current figures with our team before applying.