The CIARA Group Chairman presents the 2030 vision
An official address on the group's expansion strategy between Europe and Africa.

Innovative banking solutions for individuals, businesses and investors worldwide. Secure accounts, competitive loans, premium Visa cards and dedicated advisors — all under one institution.
Your security is our priority. Transactions protected by 256-bit SSL encryption.
From day-to-day accounts to international investments, CIARA Group Bank provides everything you need to manage, grow and protect your wealth.
Everyday banking with no hidden fees and instant transfers worldwide.
Learn more — Current AccountsGrow your money with competitive interest rates and flexible terms.
Learn more — SavingsBlack, Gold and Ruby Visa cards with premium rewards.
Learn more — Credit CardsBorrow from €500 to €100,000: initial analysis within 24 h, decision within 7 days maximum.
Learn more — Personal LoansFinance your home from the 4.5% floor rate with terms up to 20 years.
Learn more — Mortgage LoansWealth management and advisory from certified experts.
Learn more — InvestmentsComplete solutions for entrepreneurs, SMEs and corporations.
Learn more — Business BankingManage everything from your phone, in over 40 countries.
Learn more — Online BankingTransparent fees across all accounts, cards and services.
Learn more — Pricing
Whether you're saving, planning a big purchase or managing daily expenses, our personal banking solutions are designed around you.
Access the full spectrum of corporate and institutional banking, delivered by senior bankers who understand your industry.

Multi-currency accounts with dedicated relationship managers.
Structured financing and capital markets advisory.
Cash management and FX solutions for global operations.
Payment terminals and e-commerce gateways.
Letters of credit, guarantees and export financing.
Regulatory expertise across financial jurisdictions.

Competitive rates, transparent terms and a dedicated advisor who guides you from pre-approval to keys in hand.
Choose the card that suits you and enjoy exclusive benefits.



All our cards are protected by the latest security technologies.
Pay for your purchases quickly and securely with contactless technology.
Use your CIARA card in over 200 countries and millions of merchants.
Manage your cards, limits and transactions directly from your app.
Bank assets, pension funds, foreign reserves and insurance capital already sit inside the continent. CIARA Group Bank exists to connect that capital with the households, entrepreneurs and institutions that need it — through regulated, transparent, international banking.
Estimated pools of institutional capital held across African markets.
Official conferences, institutional announcements and publications from the CIARA Group.
An official address on the group's expansion strategy between Europe and Africa.
A look back at the opening of new branches and the rollout of CIARA Visa cards.
Our annual study on mobilising the continent's institutional savings.
Since 2012, we have built a global institution around six values that never change.
Multi-layered protection, biometric login and continuous fraud monitoring.
Speak to a real banker, in your language, at any time of day.
Offices, advisors and ATMs across Europe and Africa.
Seasoned bankers who know your industry and your objectives.
Initial analysis within 24 h, decision within 7 days maximum. Digital, secure, transparent.
A+ credit rating, fully regulated and independently audited.
Our executive committee brings together decades of experience from the world's most respected financial institutions.

Our latest product updates, commitments and innovations for our retail, business and investor clients.

Pay everywhere, with total peace of mind
CIARA Group Bank is rolling out a new generation of payment methods accepted in over 180 countries. Contactless payment, mobile wallet and adjustable limits in real time from your app. Every transaction is authenticated and continuously monitored by our security teams.

Black, Ruby and Gold — a signature of excellence
Our three premium Visa cards combine exceptional design with top-tier services: international concierge, extended travel insurance and a rewards programme on every purchase. Numbers stay masked and payments are validated with a single gesture.

Your branch in your pocket
Open an account, transfer funds, freeze a card or contact your advisor from a redesigned app. Biometric login, instant notifications and smart budget tracking, available in 18 languages.

Management led by certified experts
Our managers support individuals and institutions across European and African markets. Diversified portfolios, transparent monthly reporting and adjustments made by recognised professionals, with direct access to your dedicated manager.

Put your capital to work with confidence
Savings accounts, term deposits and programmed plans let you build your savings at your own pace. Competitive returns, available capital and automatic payments set up in seconds.

Your assets protected at the highest level
256-bit SSL encryption, real-time anti-fraud monitoring, secure physical vaults and compliance with international standards. Our systems are audited every year by independent firms to guarantee the protection of your assets.

Fast transfers to 180 countries
Thanks to our network of correspondents and our SWIFT connection, your transfers are sent within minutes with fees disclosed upfront. End-to-end tracking and institutional exchange rates for both business and personal transactions.
CIARA Group Bank works with leading financial institutions and international organisations to serve its clients around the world.
Institutions cited for illustrative purposes — official logos are shown with authorisation.
Our advisors are available Monday to Friday, 08:00–13:00 and 15:00–18:00, to help you open an account, discuss a loan or plan your next investment.
Six reasons why over 250,000 clients trust us every day.
A regulated institution present in 48 markets across Europe and Africa.
Continuous anti-fraud monitoring, biometric authentication and bank-grade encryption.
Black, Ruby and Gold cards accepted in over 200 countries.
Advisors available in more than 15 languages.
Instant SEPA and SWIFT transfers between the two continents.
Open an account, pay and invest from your phone in minutes.