CIARA Group Bank headquarters at dusk
Welcome to CIARA Group Bank

The International Bank Built on Trust.

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.

Bank-grade security
Europe & Africa coverage
Support Monday to Friday
A+ credit rating
Personal banking advisor
Personal Banking

Banking that adapts to your life.

Whether you're saving, planning a big purchase or managing daily expenses, our personal banking solutions are designed around you.

  • Free multi-currency current account
  • Instant SEPA and SWIFT transfers
  • Mobile banking with biometric login
  • Dedicated personal advisor
Open a Personal Account
Family and their new home
Mortgage Loans

Finance your home with confidence.

Competitive rates, transparent terms and a dedicated advisor who guides you from pre-approval to keys in hand.

Mortgage Calculator
Estimated monthly payment · 5.1%
€1,664
Apply
Bank Cards

Our available cards

Choose the card that suits you and enjoy exclusive benefits.

BLACK CARD
ELEGANCE & PRESTIGE
CIARA Group Bank
✱✱✱✱✱✱✱✱✱✱✱✱3456
Valid thru12/28
CARDHOLDER NAME
VISA
Platinum
  • Travel insurance
  • Airport lounge access
  • Cashback up to 5%
  • Concierge service
Discover
RUBY CARD
PASSION & ENERGY
CIARA Group Bank
✱✱✱✱✱✱✱✱✱✱✱✱7890
Valid thru12/28
CARDHOLDER NAME
VISA
Classic
  • Purchase insurance
  • Partner discounts
  • Cashback up to 3%
  • Alerts and notifications
Discover
GOLD CARD
EXCELLENCE & SUCCESS
CIARA Group Bank
✱✱✱✱✱✱✱✱✱✱✱✱1234
Valid thru12/28
CARDHOLDER NAME
VISA
Gold
  • Travel insurance
  • Exclusive offers
  • Cashback up to 2%
  • Online management
Discover
Secure payment

All our cards are protected by the latest security technologies.

Contactless payment

Pay for your purchases quickly and securely with contactless technology.

Accepted everywhere

Use your CIARA card in over 200 countries and millions of merchants.

Mobile management

Manage your cards, limits and transactions directly from your app.

Your information is 100% secure with CIARA Group Bank.
250,000+
Active clients
48
Countries served
08–18
Customer support
€12.4B
Assets managed
Why this matters

$4 trillion of African capital, waiting to be mobilised.

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.

Capital pool identified
$4.0T
Markets covered
48
Domestic Bank Assets
$2.5 Trillion
Pension Funds
$455 Billion
Foreign Reserves
$725 Billion
Insurance Assets
$320 Billion
Total Estimated Assets
~$4 Trillion

Estimated pools of institutional capital held across African markets.

Media

Our video publications

Official conferences, institutional announcements and publications from the CIARA Group.

The CIARA Group Chairman presents the 2030 vision

An official address on the group's expansion strategy between Europe and Africa.

The CEO announces the official launch

A look back at the opening of new branches and the rollout of CIARA Visa cards.

White paper: unlocking African capital

Our annual study on mobilising the continent's institutional savings.

Why CIARA Group Bank

A bank you can rely on.

Since 2012, we have built a global institution around six values that never change.

Bank-grade security

Multi-layered protection, biometric login and continuous fraud monitoring.

Customer support Monday to Friday

Speak to a real banker, in your language, at any time of day.

International presence

Offices, advisors and ATMs across Europe and Africa.

Experienced advisors

Seasoned bankers who know your industry and your objectives.

Fast decisions

Initial analysis within 24 h, decision within 7 days maximum. Digital, secure, transparent.

Trusted institution

A+ credit rating, fully regulated and independently audited.

Leadership

Guided by experience. Driven by trust.

Our executive committee brings together decades of experience from the world's most respected financial institutions.

12+
Years of heritage
4,200
Employees worldwide
A+
Credit rating
100%
Regulated & audited
CIARA leadership
News

CIARA Group Bank news

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

Contactless mobile payment with the CIARA Group Bank app
NEWJuly 28, 2022

Payment methods

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.

Contactless
Mobile payment
3-D Secure
CIARA Group Bank Black Visa card on black and gold marble
UPDATEJuly 21, 2022

Premium Visa cards

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.

Premium Visa
Cashback
Masked number
CIARA Group Bank branch facade at dusk
NEWJuly 14, 2022

Mobile banking

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.

iOS & Android app
Biometrics
18 languages
CIARA Group Bank trading floor
UPDATEJuly 5, 2022

Investments

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.

Managed portfolios
Monthly reporting
Dedicated manager
CIARA Group Bank advisor meeting a client in branch
UPDATEJune 27, 2022

Savings

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.

Competitive rates
Protected capital
Dedicated advice
CIARA Group Bank vault
NEWJune 18, 2022

Banking security

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.

256-bit SSL
Anti-fraud
Annual audits
CIARA Group Bank business meeting about international transfers
UPDATEJune 9, 2022

International transfers

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.

SWIFT
180 countries
SME solutions
International network

Our strategic partners

CIARA Group Bank works with leading financial institutions and international organisations to serve its clients around the world.

SOCIÉTÉ GÉNÉRALE logoSOCIÉTÉ GÉNÉRALE
SOCIÉTÉ GÉNÉRALE
France
CRÉDIT AGRICOLE logoCRÉDIT AGRICOLE
CRÉDIT AGRICOLE
France
BNP PARIBAS logoBNP PARIBAS
BNP PARIBAS
France
UBS logoUBS
UBS
Suisse
BB BANK logoBB BANK
younitedcredit.Younited Credit
IFCInternational FinanceCorporationInternational Finance Corporation
GROUPE DE LABANQUE DEDÉVELOPPEMENTGroupe de la Banque de Développement
THE WORLDBANKIBRD · IDA | WORLD BANK GROUPThe World Bank
SWIFTSWIFT
VISAVISA
mastercardMastercard
CEDEAOECOWASCEDEAO / ECOWAS
AfCFTAAfrican Continental Free Trade AreaAfCFTA
ECAEconomic Commission for AfricaEconomic Commission for Africa
UNITEDNATIONSUnited Nations
SAMASOCIÉTÉ AFRICAINE DEMÉDIATION ETD'ARBITRAGESAMA

Institutions cited for illustrative purposes — official logos are shown with authorisation.

FAQ

Frequently asked questions

Apply online in under 10 minutes. We'll ask for a valid ID and proof of address. Most accounts are activated within 48 hours.

Speak with a banker today.

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.

CIARA GROUP BANK

Why choose CIARA Group Bank?

Six reasons why over 250,000 clients trust us every day.

International bank

A regulated institution present in 48 markets across Europe and Africa.

Continuous security

Continuous anti-fraud monitoring, biometric authentication and bank-grade encryption.

Visa & Mastercard cards

Black, Ruby and Gold cards accepted in over 200 countries.

Multilingual support

Advisors available in more than 15 languages.

Europe & Africa

Instant SEPA and SWIFT transfers between the two continents.

Mobile application

Open an account, pay and invest from your phone in minutes.