EFC Personal Account

EFC Personal Account is a convenient way to manage your money. This account allows you to safely access your money whenever you need it.
The EFC Personal Account is linked to the EFC ATM card that gives you access to your account 24 hours a day.  


  • Affordable opening and maintenance cost;
  • Nationwide ATM access: the EFC ATM card can be used at any EFC ATM as well as at any of the Umoja Switch ATMs that can be found all over the country;
  • Access to EFC Mobile that enables to pay utility bills such as electricity, bill water, tv subscription and other services (under development);
  • EFC Agent points that enables you to perform all transactions just like visiting a branch (under development);

Eligibility Criteria

The borrower must:
  • Provide an identity card(passport, driving license, voters card, national id) with;
  • 2 passport-sized photographs with a blue background;
  • Non-Tanzanians are required to bring their passport, work permit and resident permit;
  • Opening balance of TZS 20,000;;
  • Proof of residence (letter from local authorities or bill utilities);
Apply for EFC Personal Account Now!