FINCA Malawi launched FINCA eXpress (Banki Pachala) agency banking in 2017 to increase outreach and improve how we serve our customers. FINCA eXpress uses a network of banking agents to provide the full range of FINCA services: deposits, withdrawals, loan repayments, money transfers, mini statements and balance inquiries.

Agency banking with FINCA eXpress is easy. Simply visit the nearest FINCA branch to register and provide your biometric information.


  • Secure: all transactions require biometric authentication and a receipt is given for each transaction.

  • Convenient and cost-effective: no need to travel long distances to the nearest branch.

  • Fast: transactions made instantly, even outside of normal banking hours.

  • Increased service points.

  • Safe: no need to carry cash while traveling long distances.