Finafrica Microfinance Guinee review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finafrica Microfinance Guinée is a Guinean microfinance provider built for savers who can place a term deposit and leave it untouched until maturity. The fixed rate of 3% to 7% a year is set for the whole term, and the GNF 10,000,000 minimum deposit makes it a product for larger placements.
Key facts
- Best for
- Placing guinean francs for a set term and collecting the interest when the term matures.
- Headline rate
- 3% to 7%↗
- Rate type
- Fixed↗
- Term
- 3 to 12 months↗
- Minimum deposit
- GNF 10,000,000↗
- Access terms
- Deposit placed for a set term, interest paid at maturity; target: any natural or legal person with funds to place↗
- Account kind
- Fixed↗
- Legal entity
- Finafrica Microfinance Guinée↗
- Headquarters
- Guinea↗
- Founded
- 2005↗
- Support channels
- Phone, Email↗
- Pricing model
- Fixed rate
- Official website
- finafrica-microfinance.gn
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- A fixed rate of 3% to 7% a year, so the return is set at the start and holds to maturity.
- Authorised in Guinea by BCRG under licence 007/LSFD/BCRG/2005.
- Terms of 3 to 12 let you set the commitment yourself rather than accept a long lock-in.
- Any person or business with funds to place can open one, not only individuals.
Cons
- A GNF 10,000,000 minimum deposit puts it out of reach for savers adding a small amount each month.
- Support runs on phone and email only, so there is no branch counter or app channel to lean on.
- Money is tied up for 3 to 12 and the interest lands only at maturity, so it cannot double as an emergency fund.
Who it suits
- Guinean savers who can place GNF 10,000,000 and leave it for 3 to 12.
- Businesses with spare cash, since the deposit is open to any legal person with funds to place.
- People who want a set return, because fixed interest does not move while the money is placed.
Who should look elsewhere
- Anyone chasing the highest headline rate, since AXI Card Tarjeta y Credito shows 21.59% and Plazo ES shows 24.19%.
- People who want cash on demand, because the money sits for 3 to 12; PayPal Colombia keeps a flexible balance instead.
- Small savers building up gradually, since the GNF 10,000,000 minimum is a large first commitment.
Rates and terms
Finafrica Microfinance Guinée offers a fixed term deposit. The rate is fixed and pays 3% to 7% a year, with terms of 3 to 12. A fixed rate is set when you place the deposit and does not move before the term ends, so the interest is known in advance. The account suits people who can leave the money in place rather than reach for it during the term.
Who runs it
The provider is Finafrica Microfinance Guinée, based in Guinea and trading since 2005. It is authorised by BCRG under licence 007/LSFD/BCRG/2005, which is the permission that lets it hold deposits. Questions about a placement go to the team by phone and email. As a microfinance provider it sits closer to a lender than to a savings bank, which is worth weighing before a large placement.
How Finafrica Microfinance Guinee compares
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Where Finafrica Microfinance Guinee is available
- Available
- Guinea
- Licence in Guinea
- BCRG (007/LSFD/BCRG/2005), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate does the term deposit pay?+
The deposit pays a fixed rate of 3% to 7% a year. A fixed rate is set when you place the deposit and stays the same until the term ends, so the interest is known in advance. The exact rate is confirmed for your placement when you open the account.
How long do I have to leave the money in place?+
You choose a term of 3 to 12 when you open the placement. The money stays with the provider for that period and the interest is credited when the term matures, so reaching for it early would break the arrangement the rate was offered on. Treat it as savings you will not touch.
How much do I need to open one?+
The minimum deposit is GNF 10,000,000, so the account is aimed at placements of a certain size rather than small monthly amounts. The provider works with any natural or legal person holding funds they are able to place, and the figure applies to the term deposit described here.
Who regulates the provider?+
Finafrica Microfinance Guinée is authorised in Guinea by BCRG and holds licence 007/LSFD/BCRG/2005. That licence is the formal permission to run the deposits described here, and the provider lists it publicly. Check the licence number against its own legal details before placing a large sum.
How does the rate compare with other savings here?+
Across the fixed-rate products listed here the median rate is 6%, and the median savings rate is 3.08%. The 3% to 7% range here falls below the first figure at its lower end and above it at its upper end, so the term you pick decides whether it looks competitive.
Where is the provider based and how do I reach it?+
Finafrica Microfinance Guinée is based in Guinea and has been trading since 2005, so it is an established local provider rather than a new entrant. You can reach the team on phone and email for anything about a placement, including the rate you have been offered.
Sources
- finafrica-microfinance.gn/compte-epargne-depot-a-terme checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Compte de dépôt à terme ... Taux d'intérêt : 3 à 7% l'an payable à l'échéance”
- finafrica-microfinance.gn/comptes-particuliers checked September 26, 2026
Backs: Account kind
- finafrica-microfinance.gn/mention-legale checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Raison sociale : Finafrica Microfinance Guinée ... Numéro d'immatriculation : RCCM/GC/KAL/015.481A/2007”
- finafrica-microfinance.gn/qui-sommes-nous checked September 26, 2026
Backs: Founded, Licences
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Finafrica Microfinance Guinee
Placing guinean francs for a set term and collecting the interest when the term matures.