Equatorial Bank Uganda Limited
Regulatory & Licensing
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.
This page provides customers and stakeholders with the Bank’s regulatory status, banking licence information, deposit protection arrangements, capital and financial disclosures, customer rights, tariffs, complaints handling, privacy and governance information.
Supervision & Standards
Regulatory Framework
Equatorial Bank Uganda Limited is licensed and regulated by the Bank of Uganda and operates within the applicable legal and regulatory framework governing banking and financial services in Uganda.
The Bank’s regulatory and compliance framework is designed to support responsible banking, sound risk management, customer protection, financial integrity, transparency and accountability.
Applicable regulatory information should always be interpreted together with the laws, regulations, directives and official guidance issued by the competent authorities.
Official Status
Regulatory 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.
Equatorial Bank Uganda Limited maintains its regulatory and licensing obligations in accordance with applicable Ugandan banking laws, regulations and supervisory requirements.
- Legal Entity Name
- Equatorial Bank Uganda Limited
- Licensed by
- Bank of Uganda
- Regulatory Authority
- Bank of Uganda
- Regulatory Status
- Verified
- Authorization Status
- Authorized to conduct the banking activities specified in its licence
- Regulatory Jurisdiction
- Uganda
- Principal Office
- Plot 37/45 Kampala Road, Kampala, Uganda
Authorisation
Banking Licence & Regulatory Information
Equatorial Bank Uganda Limited conducts its banking activities under a banking licence issued by the Bank of Uganda — the central bank and principal regulator of Uganda's financial system.
- Legal Entity Name
- Equatorial Bank Uganda Limited
- Licensed Institution Name
- Equatorial Bank Uganda Limited
- Regulatory Authority
- Bank of Uganda
- Licence Category
- Tier 1 Commercial Bank under the Bank of Uganda tiered licensing framework
- Licence Number
- A1.007
- SWIFT / BIC Code
- EQUCUGKAXXX
- Date Established
- 5 May 2017
- Licence Status
- Verified
- Authorized Activities
- Banking and financial services as specified in the Bank's licence issued by the Bank of Uganda
- Registered / Principal Office
- Plot 37/45 Kampala Road, Kampala, Uganda
- Regulatory Jurisdiction
- Uganda
Customer Protection
Deposit Protection
Deposit protection in Uganda is administered by the Deposit Protection Fund of Uganda (DPF), which provides deposit insurance to customers of deposit-taking institutions licensed by the Bank of Uganda.
The DPF's statutory protection limit is UGX 10 million per depositor, subject to the DPF's eligibility requirements, terms and exclusions. Protection does not extend automatically to every deposit or to every amount.
Deposits held with the Bank are protected by the Deposit Protection Fund of Uganda, subject to the DPF's eligibility requirements, terms and exclusions. Customers can confirm the current list of contributing institutions directly with the Deposit Protection Fund of Uganda.
- Deposit Protection Scheme
- The Deposit Protection Fund of Uganda (DPF), which provides deposit insurance to customers of deposit-taking institutions licensed by the Bank of Uganda
- Statutory Protection Limit
- UGX 10 million per depositor, subject to the DPF's eligibility requirements, terms and exclusions
- Contributing-Institution Status
- Deposits held with the Bank are protected by the Deposit Protection Fund of Uganda, subject to the DPF's eligibility requirements, terms and exclusions.
- Verify Coverage
- The DPF publishes the list of contributing institutions — customers should confirm coverage directly with the DPF
Verification & Transparency
Regulatory Particulars — Publication Status
Every regulatory particular this website publishes is listed below with its verification status. Each particular shown has been confirmed and is published as an established fact.
Legal entity name
VerifiedEquatorial Bank Uganda Limited
The entity name used consistently across the Bank's official communications and this website.
Regulator
VerifiedBank of Uganda
The central bank of Uganda and the principal regulator and supervisor of the country's financial system.
Licence category
VerifiedTier 1 Commercial Bank under the Bank of Uganda tiered licensing framework
The Bank's licence category under the Bank of Uganda tiered licensing framework.
Licence number
VerifiedA1.007
The Bank's licence number, in the Bank of Uganda licence numbering format.
SWIFT / BIC code
VerifiedEQUCUGKAXXX
The Bank's SWIFT/BIC code, used to identify the Bank in international payments.
Date established
Verified5 May 2017
The date on which the Bank was established.
Capital figure
VerifiedUGX 298.974 billion
The Bank's capital figure, maintained in accordance with the capital requirements prescribed by the Bank of Uganda.
Capital figure — reporting year
Verified2026
The reporting year to which the capital figure relates.
Deposit protection
VerifiedDeposits held with the Bank are protected by the Deposit Protection Fund of Uganda, subject to the DPF's eligibility requirements, terms and exclusions.
Deposits held with the Bank are protected by the Deposit Protection Fund of Uganda, subject to the DPF's eligibility requirements, terms and exclusions.
Fair Treatment
Customer Rights & Responsibilities
Customers are entitled to clear, fair and understandable information concerning the financial products and services they use. Customers also have responsibilities that help protect their accounts and support secure banking relationships.
Customer Rights
- Receive clear information about products and services
- Understand applicable fees, charges, interest rates and terms
- Receive appropriate information before entering into financial arrangements
- Raise questions or complaints through the Bank's approved channels
- Receive appropriate treatment and professional service
- Have personal information handled in accordance with applicable privacy and data-protection requirements
- Receive information about relevant terms and conditions
- Request clarification of transactions or charges where appropriate
Customer Responsibilities
- Provide accurate and complete information
- Keep account and security credentials confidential
- Notify the Bank promptly of suspected fraud or unauthorised transactions
- Review account statements and transaction information
- Comply with applicable account terms and conditions
- Provide documents required for lawful customer due diligence and regulatory requirements
- Keep contact information up to date
Service Feedback
Complaints & Customer Feedback
We are committed to providing professional and responsive banking services. If you have a concern, complaint or service-related issue, please contact the Bank through its official customer service channels.
01
Contact the Bank
Submit your complaint through the Bank's approved customer service / contact channel.
02
Provide Relevant Information
Include your name, contact details, account / reference information where appropriate, transaction details and a clear description of the issue.
03
Bank Review
The Bank will review the complaint in accordance with its applicable complaints-handling procedures.
04
Resolution / Response
The Bank will communicate the outcome or appropriate next steps through the relevant channel.
05
Further Escalation
Where applicable, customers may use the escalation mechanisms provided under the applicable regulatory framework.
Transparent Pricing
Tariffs, Fees & Charges
Transparency in pricing helps customers understand the cost of banking services before making financial decisions. Applicable fees, charges, commissions, interest rates and other pricing information should be reviewed together with the relevant product terms and official tariff documentation.
Current Tariff / Schedule of Charges
The Bank’s current tariff information is published on the Rates & Tariffs page together with the relevant effective dates and conditions.
View Rates & TariffsProduct Pricing
Approved product pricing, including indicative deposit and lending rates, is published on the Rates & Tariffs page together with the relevant effective dates and conditions.
View Product PricingFees and charges may be updated from time to time in accordance with applicable requirements. Customers should consult the latest approved tariff information.
Institutional Reporting
Financial Disclosures
Financial disclosures provide customers, stakeholders and other interested parties with relevant information concerning the Bank's financial position, performance and governance, where such disclosure is required or authorised.
Approved disclosure documents include, where published:
- Annual Reports
- Audited Financial Statements
- Financial Disclosures
- Regulatory Disclosures
- Pillar / Prudential Disclosures (where applicable)
Available on request from the Bank. Please contact the Bank for the latest approved information.
Detailed financial disclosures are prepared in accordance with applicable reporting requirements and are available from the Bank on request.
Prudential Requirements
Capital & Financial Disclosures
Equatorial Bank Uganda Limited maintains capital in accordance with the capital requirements prescribed by the Bank of Uganda. Detailed capital and financial disclosures are prepared in accordance with applicable reporting and disclosure requirements and are available from the Bank on request.
- Capital Framework
- Capital is maintained in accordance with the capital requirements prescribed by the Bank of Uganda
- Reporting Framework
- Applicable Bank of Uganda prudential reporting and disclosure requirements
- Reporting Currency
- Ugandan Shilling (UGX)
- Reporting Year
- 2026
- Published Capital Figure
- UGX 298.974 billion
- Audited Financial Statements
- Published
Document Library
Regulatory & Corporate Documents
Published documents are listed here with their title, document type, publication date, version and description, together with a view / download option.
- Regulatory
- Corporate Governance
- Customer Protection
- Tariffs
- Financial Reports
- Privacy
- Terms & Conditions
- Complaints
- Policies
Available on request from the Bank. Please contact the Bank for the latest approved information.
Accountability
Corporate Governance
Effective corporate governance supports accountability, responsible decision-making, risk oversight and long-term institutional integrity.
Equatorial Bank Uganda Limited’s governance arrangements are maintained in accordance with applicable Ugandan banking laws, regulations and supervisory requirements. Information about individual directors, executives, auditors and committees is maintained by the Bank and is available on request.
Board Oversight
Board oversight information, including committee structures where applicable, is maintained by the Bank in accordance with its governance framework and applicable regulatory requirements.
Executive Management
Executive management and senior leadership information is maintained by the Bank in accordance with its governance framework and applicable regulatory requirements.
Risk Management
The Bank's risk-management framework and oversight arrangements are maintained by the Bank and published here following verification and regulatory disclosure requirements.
Compliance
Compliance function and regulatory-obligations information is maintained by the Bank in accordance with its governance framework and applicable regulatory requirements.
Internal Audit
Internal audit arrangements and assurance information are maintained by the Bank and published here following verification and regulatory disclosure requirements.
External Audit
External audit and statutory-audit information is maintained by the Bank in accordance with its governance framework and applicable regulatory requirements.
Ethics & Conduct
Ethics, professional-conduct and related standards information is maintained by the Bank in accordance with its governance framework and applicable regulatory requirements.
Oversight & Controls
Risk Management & Compliance
Risk management and compliance form an important part of responsible banking. The Bank maintains appropriate processes and controls designed to identify, assess, manage and monitor relevant risks within its operations and applicable regulatory framework.
Credit Risk
Management of exposures arising from lending and credit activities.
Liquidity Risk
Management of funding positions and liquidity needs.
Operational Risk
Controls over processes, people, systems and external events.
Market Risk
Management of exposure to movements in market rates and prices.
Information Security
Protection of information assets and technology systems.
Fraud Risk
Prevention, detection and response to fraud attempts.
Financial Crime Risk
Controls addressing money laundering and related financial crime.
Compliance Risk
Management of adherence to applicable laws and regulations.
Business Continuity
Preparedness and resilience of critical operations.
Financial Integrity
Financial Crime Prevention
The Bank is committed to maintaining appropriate controls and procedures to support the prevention and detection of financial crime and to comply with applicable legal and regulatory requirements.
What customers may be asked to provide
To support lawful customer due diligence and financial-integrity requirements, customers may be required to provide:
- Identification documents
- Proof of address
- Source-of-funds information
- Source-of-wealth information where applicable
- Beneficial ownership information
- Business registration documents
- Transaction-related supporting documents
Additional information may be requested where required by law, regulation, risk-based customer due diligence or the nature of a transaction. Requirements may differ between customers and transactions.
Your Information
Privacy & Data Protection
We respect the confidentiality and privacy of customer information. Personal and financial information is handled in accordance with applicable laws, regulatory requirements and the Bank's privacy and information-security policies.
Banking Terms
Terms & Conditions
Products and services offered by the Bank are subject to applicable terms and conditions, eligibility requirements, documentation and regulatory requirements.
General Terms & Conditions
View informationAccount Terms
Available on request from the Bank. Please contact the Bank for the latest approved information.
Digital Banking Terms
View informationProduct Terms
Available on request from the Bank. Please contact the Bank for the latest approved information.
Privacy Policy
View informationTariff / Schedule of Charges
View informationAuthoritative Sources
Official Regulatory Resources
Customers seeking authoritative regulatory information are encouraged to consult the official websites of the competent Ugandan regulatory authorities. External links open in a new tab.
Bank of Uganda
The central bank of Uganda and principal regulator and supervisor of the country's financial system.
Deposit Protection Fund of Uganda
The authority responsible for deposit protection arrangements for eligible deposit-taking institutions in Uganda.
Financial Intelligence Authority
Uganda's national agency responsible for the prevention and detection of money laundering and terrorist financing.
Uganda Registration Services Bureau
The national registry for companies, business names and official registrations in Uganda.
Customer Questions
Frequently Asked Questions
Important Information
Information published on this page is provided for customer transparency and is based on the Bank’s official institutional and regulatory documentation. Product terms, regulatory requirements, tariffs, eligibility criteria and other conditions may change from time to time. Customers should review the latest official documentation before making financial decisions or entering into financial arrangements. Regulatory information should be read together with the applicable laws, regulations, licence conditions and official regulatory publications.
Compliance Enquiries
Questions About Regulatory Information?
If you require clarification concerning regulatory information, customer rights, disclosures, tariffs, complaints or other compliance-related matters, please contact Equatorial Bank Uganda Limited through its official communication channels.