FUCEC-Togo review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
FUCEC-Togo is a member owned microfinance network in Togo, so cooperative membership comes before saving or borrowing. For Togolese residents who value community finance, group lending and local savings goals, it offers a long established route built on 36 COOPEC groups.
Key facts
- Best for
- Cooperative savings and credit in Togo
- Minimum deposit
- F CFA 5,000↗
- Access terms
- Member card valid at all COOPEC branches; branches open Mon-Fri 7:30-16:30 and Sat 8:00-12:00; digital services 24/7↗
- Account kind
- Easy access↗
- Legal entity
- Failiere des Unites Cooperatives d'Epargne et de Credit du Togo (FUCEC-TOGO)↗
- Headquarters
- Togo↗
- Founded
- 1969↗
- Support channels
- Email, Phone, Chat, Help-centre, Community↗
- Official website
- fucec-togo.com
Money transfer
Facts checked September 26, 2026, 3 sources
Apps and profiles
Pros and cons
Pros
- Cooperative network of 36 COOPEC groups serving members across Togo
- Savings options support different goals alongside financing for varied projects
- Mobile transfers and NFC card collection support community payments
- Agricultural and solidarity funding reflects attention to rural activity
Cons
- Membership comes before services, which narrows spontaneous joining
- Coverage stays inside Togo through the COOPEC network
- Focus stays on savings, credit and protection rather than wider banking
Who it suits
- Togolese residents seeking cooperative savings and credit
- Farmers, small businesses and women's groups seeking group finance
- Savers planning housing and other long term projects in Togo
Who should look elsewhere
- People seeking banking outside Togo
- People wanting services without cooperative membership
How your money is protected
Money protection at FUCEC-Togo flows from cooperative ownership and common rules. Members form the reason for the institution and satisfaction stands as the single priority. Leaders and employees work with competence, ethics, honesty, probity and transparency. All members, leaders and employees receive equal treatment under shared rules. The COOPEC network and the apex body act as one united and indivisible force with closeness to communities, fairness of access and solidarity for development and wellbeing.
How FUCEC-Togo compares
Where FUCEC-Togo is available
- Available
- Togo
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is FUCEC-Togo?+
FUCEC-Togo is the apex body for cooperative savings and credit units in Togo. It coordinates 36 COOPEC groups across the country and serves individuals, businesses and farmers. Activity traces to 1969 with more than 57 years of service and membership above 1.486 million people.
Which savings and credit products does it cover?+
The network offers savings solutions framed around different personal goals. Housing savings helps members plan and build homes step by step with guidance. A solution called SYSCOFOP supports regular saving, while solidarity and agricultural credit fund group and farm projects.
Where does FUCEC-Togo operate?+
Services centre on Togo through the COOPEC network. Coverage reaches rural and urban communities across the country with closeness as a guiding value. Members in Sokodé, Kpalimé and other towns use savings and credit for local projects.
How do its mobile and group payment tools work?+
Fucec Mobile supports transfers alongside wider financial services for members. NFC card collection helps groups gather pooled funds for shared activities. Protection for people and property completes the offer next to savings and financing for varied needs.
Who runs the organisation and what guides it?+
Members stand at the centre and member satisfaction remains the single priority. Leaders and staff work with competence, ethics, honesty and transparency. Equal treatment applies to all members, leaders and employees under shared rules that uphold unity and solidarity.
Sources
- fucec-togo.com checked September 26, 2026
Backs: Founded, Headquarters
“With 1.486 million members and 207.463 billion FCFA in assets, we have been supporting Togolese people since 1969”
- fucec-togo.com/faq checked September 26, 2026
Backs: Access terms, Account kind, Legal entity, Minimum deposit, Support channels
“Our branches are open Monday to Friday from 7:30 to 16:30, and Saturday from 8:00 to 12:00. Digital services are available 24/7”
- fucec-togo.com/services/transfert-dargent-international checked September 26, 2026
Backs: Delivery time, Payout methods
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Deposit protection.