Local Roots. Global Access.
Equatorial Bank UgandaBanking without borders, built for Uganda.
The official website of Equatorial Bank Uganda Limited — modern banking solutions for individuals, businesses and institutions, connecting everyday financial needs with opportunities locally and internationally.
Who we are
The official website of Equatorial Bank Uganda Limited
Equatorial Bank Uganda Limited is a Ugandan banking institution providing personal, business, corporate and international banking services to individuals, businesses and institutions across Uganda — from everyday accounts and payments to trade finance, treasury and wealth services.
Our branch network serves customers in Kampala, Jinja, Mbale, Mbarara, Masaka, Kabale, Fort Portal, Gulu and Arua, supported by digital banking channels and dedicated relationship teams.
Customer Segments
Banking built for every kind of ambition
From your first savings account to international trade finance, Equatorial Bank is structured to serve you at every stage.
Personal Banking
Everyday accounts, savings, cards and finance designed around your life.
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Business Banking
Accounts, working capital, payments and trade support for growing enterprises.
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Corporate & Institutional
Cash management, treasury, structured and trade finance for larger organisations.
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Private Banking & Wealth
Bespoke wealth planning and private client services for discerning individuals.
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Personal Banking
Everyday banking that fits your life
Manage your money with confidence through accounts, savings, cards and digital tools designed for individuals and families across Uganda.
- Current & Savings Accounts
- Salary & Student Accounts
- Fixed Deposits
- Debit & Prepaid Cards
- Personal Finance & Loans
- Mobile & Internet Banking
Business Banking
Grow with your business
From startups to established enterprises, we support SMEs, family businesses and professional firms with the finance and digital tools to grow, trade and expand.
- Business Current & Savings Accounts
- Working Capital & Overdrafts
- Business Loans & Asset Finance
- Trade Finance & Invoice Finance
- Payroll, Collections & Merchant Payments
- Business Cards & Foreign Exchange
Corporate & Institutional Banking
Sophisticated banking for institutions
Comprehensive corporate banking, treasury and trade solutions for companies, public sector organisations and institutions with complex financial needs.
Corporate Accounts
Multi-currency accounts for complex operations.
Cash & Liquidity Management
Centralise, sweep and optimise balances.
Structured & Project Finance
Tailored solutions for large investments.
Trade Finance
Letters of credit, guarantees and collections.
Treasury & Capital Markets
FX, money markets and investment solutions.
Government & Institutional
Banking for public agencies, NGOs and institutions.
Digital Banking
Your bank, in your pocket
A flagship digital experience built for speed and security — manage money, make payments and stay in control wherever you are.
Mobile Banking
Bank anytime from your phone — balances, transfers and payments.
Internet Banking
A secure full-service banking experience from your browser.
Cards & ATM
Debit and prepaid cards with nationwide ATM access.
Digital Payments
Pay bills, merchants and mobile money with ease.
Alerts & Notifications
Real-time updates on every transaction and activity.
Security Centre
Tools and guidance to keep your money and identity safe.
International Banking
Connecting Uganda to global opportunity
Take your business beyond borders with foreign exchange, cross-border payments, trade finance and diaspora banking designed for a connected world.
International Transfers
Send and receive funds across borders.
Foreign Currency Accounts
Hold and manage multiple currencies.
Letters of Credit
Secure instruments for global trade.
Diaspora Banking
Banking for Ugandans living abroad.
Private Banking & Wealth
Banking for a life well built
A private banking experience for discerning individuals — with dedicated relationship management, wealth planning and access to treasury and investment solutions.
Private Client Banking
A dedicated relationship and priority service.
Investment Advisory
Guidance across treasury products and bonds.
Wealth Planning
Structured planning for you and your family.
International Wealth
Cross-border solutions for global clients.
Why Equatorial
Banking with purpose
We are building a modern Ugandan financial institution on clear principles — combining local understanding with international standards.
Trust
A responsible institution built on transparency and integrity.
Innovation
Modern digital banking that keeps pace with your life.
Customer Focus
Solutions designed around real people and businesses.
Financial Inclusion
Accessible banking that reaches more Ugandans.
International Connectivity
Local roots with genuine global access.
Security
Robust safeguards for your money and your data.
Responsible Banking
Finance that supports sustainable growth.
Business Growth
Partnership through every stage of your journey.
Regulatory & Licensing
Regulatory information, shown with its verification status
Equatorial Bank Uganda Limited is a fully licensed, regulated and authorized banking institution operating under the regulatory and supervisory framework of the Bank of Uganda. Banking licence particulars, deposit-protection information and capital disclosures are published on our Regulatory & Licensing page together with their verification status and the official source each particular is confirmed against.
View Regulatory & Licensing information- Regulator
- Bank of Uganda
- Licence particulars
- Licence category, licence number and establishment date are shown on the disclosure page with their verification status, each marked as officially verified or as declared by the Bank.
Security Centre
Keep your money and identity safe
Practical, clear guidance to help you bank securely and act quickly if something goes wrong.
Protect Your Account
Strong passwords and secure login habits.
Phishing Awareness
Recognise and avoid fraudulent messages.
Card Security
Keep your card and PIN safe at all times.
OTP & Password Safety
Never share one-time codes with anyone.
Scam Awareness
Spot common scams before they catch you.
Report Fraud
Report suspicious activity immediately.
Equatorial Money & Finance Hub
Financial literacy that empowers
Clear, practical education to help you save, borrow, invest and protect your money with confidence.
Rates & Tariffs
Transparent rates, clearly presented
All published rates carry an effective date, currency and applicable conditions. Where a rate has not yet been approved and published, it is shown as unavailable rather than estimated.
No rates have been published yet. Rates for deposits, lending, foreign exchange and treasury will appear here once approved and published by the bank. We do not display estimated or unverified figures.
Branches & ATMs
Find us where you are
Search by district, city, town or area to find your nearest branch or ATM. Locations are published only where they genuinely exist.
Equatorial Bank Uganda — Currency Center Arua
Currency CentrePlot 27/29 Avenue Road (Inzikuru Road), Arua, Uganda, Arua, Arua
Equatorial Bank Uganda — Gulu
BranchAirfield Road, Gulu, Uganda, Gulu, Gulu
Equatorial Bank Uganda — Jinja
BranchPlot 3 Busoga Avenue / Busoga Square, Jinja, Uganda, Jinja, Jinja
Equatorial Bank Uganda — Kabale
BranchPlot 137 Kabale Road, Kabale, Uganda, Kabale, Kabale
Equatorial Bank Uganda — Fort Portal
BranchPlot 1 Kaboyo Road, Fort Portal, Uganda, Fort Portal, Kabarole
Equatorial Bank Uganda — Head Office Kampala
Head OfficePlot 37/45 Kampala Road, Kampala, Uganda, Kampala, Kampala
Equatorial Bank Uganda — Masaka
BranchPlot 41 Kampala Road, Masaka, Uganda, Masaka, Masaka
Equatorial Bank Uganda — Mbale
BranchPlot 34-38 Cathedral Avenue, Mbale, Uganda, Mbale, Mbale
Equatorial Bank Uganda — Mbarara
BranchPlot 2 High Street, Mbarara, Uganda, Mbarara, Mbarara
Equatorial Insights
Perspectives on Uganda, finance & global markets
Trade Finance Products for Businesses: A Practical Guide
The main trade finance products used by importers and exporters, what each one actually does, and how to choose between a letter of credit, a guarantee, a documentary collection and import or export finance.
Trade Guarantees Explained: Tender, Performance and Advance Payment Bonds
What a bank guarantee is, how tender bonds, performance guarantees and advance payment guarantees differ, and what a business should check before one is issued.
Import and Export Finance Explained
How import finance and export finance work, why trade creates a funding gap, and the structures businesses use to bridge it.
Help Centre
Questions, answered
Find clear answers to common questions about accounts, cards, loans, digital banking and more.
Visit the full Help Centre →How do I open a bank account with Equatorial Bank?
You can start your application online through the Open an Account page. Choose your account type, provide your personal and identity information, upload your documents, and submit. You will receive a unique Application ID to track your progress. Account opening is reviewed by our team and is not instant.
What documents do I need to open an account?
Typically you will need a valid identification document (National ID, passport, driving permit or refugee ID), proof of address, and a recent passport-size photograph. Business accounts may require a certificate of incorporation and registration documents. Specific requirements are confirmed during the application process.
How can I track my account application?
Use the Track Your Application page and enter the Application ID you received when you submitted your application. You will see the current status, last update and next step.
What should I do if my card is lost or stolen?
Block your card immediately through digital banking if available, then report it through the Report Fraud page or contact our support team. You will receive a reference number to track your report.
How do I apply for a loan?
Visit the Apply for Finance page, choose your product, complete the eligibility and application steps, upload supporting documents and submit. Your application then goes through credit assessment. This form does not approve loans — credit decisions are made by authorised banking systems.
Is the loan calculator accurate?
The calculator provides estimates for planning only. It is not an offer of credit. Actual rates and terms are confirmed by the bank during your application based on credit assessment.
How do I access digital banking?
Digital banking is accessed through the Internet Banking login and the mobile banking app, once activated. The public website does not store your banking passwords or transaction credentials.
How do I report fraud or a suspicious message?
Use the Report Fraud page to submit a report. Choose the type of fraud, describe what happened, and submit. You will receive a reference number. Never include full card numbers or passwords in your report.
Begin your journey
Open an account with Equatorial Bank
A simple, mobile-friendly application that lets you track your progress every step of the way.