From SMEs to corporates, national and international institutions, TMB has the right tools to help your business realize its ambitions. When you bank with TMB you benefit from the strength, knowledge and depth of one of the DRC’s largest financial institutions. We offer an unmatched insight into the DRC’s business environment, a professional and highly efficient service and a range of products and services designed specifically with your needs in mind.

Current and Instant Access Accounts

Our standard current and instant access accounts allow you to manage your finances in a convenient and highly secure way. You may access your funds 24/7, online, in branch or at an ATM. Uniquely in the DRC, withdrawals from your account are free.

We offer current and instant access accounts in Congolese Francs (CDF), US Dollars (USD) and Euros (EUR). With your TMB VISA Debit or Maestro card you can access your funds anywhere around the world.

Savings Accounts

Companies, like individuals, have an interest in saving for their future. Our savings account product offers you total control over your funds whilst also rewarding you with interest. Take advantage of this service that gives you the opportunity to build a financial reserve for your future investments at attractive rates of interest.

Term Deposit Accounts

Our USD term deposit account offers unbeatable rates of interest allowing you to maximise the return on your business’ capital. Place your savings on a fixed term deposit with TMB and earn up to 7% interest APR. Our term deposit account offers you the ability to determine the amount and duration of your placement according to your business’ needs.

Money Transfer Services
  • Transferring Money in the DRC

When transferring funds within the DRC you can benefit from the unrivalled coverage offered by TMB, the bank with the largest bank branch network in the DRC. Transfer funds to or from business partners, clients or suppliers in safety and at highly attractive rates across our branch network.

  • International Transfers

TMB is a member of the SWIFT network allowing us to process international fund transfers securely and efficiently. With TMB you can make international transfers at extremely competitive prices and in total confidence. TMB SWIFT is TRMSCD3L.

To facilitate international transfers we work with a number of leading correspondent banks, including: ING, BNP PARIBAS FORTIS, KBC BANK, CITIBANK NEW-YORK, CITIBANK LONDON, RAND MERCHANT BANK, NEDBANK LIMITED, COMMERZBANK.

Loans and Financing

To meet your financing needs, the TMB offers various loan products tailored specifically to your needs. Whether you are an SME or a large company, exporting or importing, our specialists are available to help analyze and provide practical solutions to your needs.

EIB and TMB Partnership
The European Investment Bank (EIB) is the European Union’s bank, and the world’s largest multilateral borrower and lender. The EIB invests in a wide range of projects in sub-Saharan Africa, projects designed to improve lives, create opportunities for people and for businesses and support sustainable economic development, in line with the European New Consensus for Development and the UN Sustainable Development Goals.
The EIB’s Intermediated Loans Programme forms a key part of EIB’s activity in sub-Saharan Africa. As part of the programme, the EIB makes loans to local banks and other intermediaries which subsequently “on-lend” to the final beneficiaries.
Trust Merchant Bank (TMB) has agreed a facility under the Intermediated Loans Programme with the EIB. The agreement sees the EIB providing funds to TMB that the Bank uses to on-lend to our clients in Congo.
Why has TMB decided to participate in the programme?
Banks raise funds to subsequently lend to customers in a number of ways. In the case of TMB, the Bank has traditionally raised funds through its deposit base – i.e. customer deposits are used to provide loans to borrowers. TMB has decided to diversify its funding mix through participation in the EIB Intermediated Loans Programme so that it can provide longer tenor loan facilities to certain SME borrowers.
Will borrowers have to enter into a loan agreement with the EIB?
Nothing changes for TMB clients. Loan contracts continue to be with TMB alone, and all borrowed amounts must be repaid to TMB as per usual.
Who is eligible to apply for a loan under the programme?
Private sector enterprises defined as entities engaged in an economic activity, irrespective of their legal form, thus encompassing family firms, partnerships, liberal professionals, and associations regularly engaged in economic activity with less than 3,000 full-time employees on a group consolidated basis are eligible for loans under the programme. Self-employed persons are eligible if they are recorded in a business registry.
For more information on the EIB please refer to


TMB is the leading bank provider of leasing products in the DRC, offering clients flexible leasing solutions tailored made to their business needs.
Leasing is an ideal financing method for structures whose activities require ongoing acquisition of new equipment.
To enquire about leasing opportunities with TMB, please email [email protected]

TMB Netbank

Because it is essential to have the right information at hand, TMB offers you Netbank, our online banking service. This service gives you full control over your account and opens the door to many applications including:

  • Consult your account and check your account balance;
  • Make money transfers online;
  • Download account statements;
  • View all account transactions.

Our Netbank team are available to help you with any queries you may have.

Cards Business POS Machines

If you manage retail operations, be it restaurants, hotels or shops, take advantage of the services and support provided by our cards business. With a TMB POS (Point of Sales) machine you will benefit from:

  • Security: reduce the amount of cash you need to hold on site whilst you also benefit from having your receipts instantly credited to your bank account.
  • Efficiency: your operations run more efficiently as there is a reduced need to count tendered banknotes. Furthermore, you no longer have to perform time-consuming counterfeit checks on the same banknotes.
  • Ease of Use: Your TMB POS machine will accept all VISA and MasterCard credit and debit cards issued both here in the DRC and abroad. Our POS machines are wireless providing for maximum portability and ease of use.
Payroll Services

You can outsource your salary payments operations to TMB with our cost efficient, flexible salary payments service.
Your employees benefit from having a current account into which their salaries are paid, free of account opening fees, minimum deposit requirements and account maintenance fees. They can then access their funds at any TMB branch, or withdraw for free from any ATM in the DRC when using a TMB VISA debit card, as well as access loan products.