Fixed Deposit

Let’s grow your money the easy way

An ideal account for individuals, joint groups, or institutions seeking to grow their money effortlessly and without risks.

Start now and let your money grow!

With a minimum of K10,000, you can save your money and watch it grow over a determined period, helping you achieve your goals.

  • Upfront Interest Payment (Optional):
    You have the option for upfront interest payment.

  • Negotiable, Flexible, and Competitive Interest:
    Enjoy negotiable, flexible, and competitive interest rates.

  • No Monthly Maintenance Charge/Account Service Fee:
    There are no monthly maintenance charges or account service fees.

  • Unlimited Flexible Periods Starting from 1 Month:
    Choose from unlimited flexible periods, starting from just 1 month.

  • Deposit Can Be Liquidated or Renewed Upon Maturity:
    Your deposit can be liquidated or renewed upon maturity.

  • Certificate of Deposit Issued:
    A certificate of deposit is issued to you, and your account can be used as collateral to access a loan.

  • Simple and Fast Account Opening:
    Experience a simple and fast account opening process.

Simple and easy process

Accessing and opening a Fixed Deposit Account is easy allowing individuals or companies to start saving for their future.  Watch your money grow with no deduction of monthly charges.

  • National ID:
    Ensure to provide your National ID for identification purposes.

  • Institution or Company Details for Corporate Assets:
    Include institution or company details if opening the account for corporate assets.

  • Passport Photo:
    A free passport photo will be taken at the branch for account documentation.

  • Minimum Opening Balance:
    Start your account with a minimum opening balance as low as MK10,000.

Application process: step by step

Experience an application process built on trust, efficiency, and adapted to your unique needs.

  • 1

    Receive a Call
    Our operator will call within 24 hours and confirm the details.

  • 2

    Account Opening
    Our Officer from the Branch in your location will contact you to assist with the account opening process.

Start your application

Applying is a straightforward and convenient process.


Frequently Asked Questions

Any individual, institution, or company seeking to save and grow their money in an easy and risk-free way, while earning competitive interest rates over a specific period of time, is eligible for a FINCA Fixed Deposit Account.

As a FINCA Fixed Deposit Account holder, you can enjoy several benefits, including the option to receive upfront interest payments accrued during an agreed period and to use your accrued interest as collateral to obtain a loan.

We are always happy to talk!

Request a callback.