• What is TrustFactor?

TrustFactor is an App that is used for approving Internet and Mobile Banking Transactions.

• Who can use TrustFactor?

Any customer registered to use QuickOnline, QuickConnect and QuickApp.

• Why TrustFactor?

TrustFactor addresses the challenge(s) experienced by customers regarding failed or delayed OTPs and it safe guards the customer against SIM Swaps.

• How do I get started?

1.  Download the TrustFactor from Google Play store or Apple Store
2.  Activate your account on TrustFactor via the QuickBanking App or Web
3.  Log into QuickBanking through App or Web and do any transaction
4.  Authenticate using TrustFactor
5.  Transaction successful, log out.

How to get started on QuickApp
https://youtu.be/Xk_OeWDKhXY

How to get started on QuickOnline
https://youtu.be/4RaWuGcJ_AY

How to authenticate transactions
https://www.youtube.com/ watch?v=vtyEc6xu0hA

• Does TrustFactor Affect USSD Users?

No, USSD users are not affected by this app. The normal transaction process will remain for USSD.

• Do I have to pay for using this service / Are there extra charges for this service?

No, the service is free with no extra charges. However, the customer is required to have internet connectivity.

• When will I be prompted to approve with TrustFactor?

TrustFactor approval is applied to all transactions executed off QuickApp QuickOnline and QuickConnect.

• I received a transaction approval prompt from TrustFactor on my smart phone and I was not making any transaction.

If you receive an approval prompt when you are not in the process of executing a transaction, select “Reject” to protect your account. Report it to the bank immediately. You are likely being targeted by a cybercriminal.

• I do not receive approval prompts automatically on my phone when I initiate transactions.

If you are transacting on the mobile App, click the “Open TrustFactor” button to approve the transaction. If you are transacting using the web, Open the TrustFactor app and approve the transactions under the Authorisations menu.
If you are transacting on USSD *240#, your password is enough to complete the transaction.

• What smartphone operating systems are supported?

iOS and Android are currently supported by TrustFactor. If your device uses a different operating system, please reach us on 0800 222 000 to discuss your options.

• What if I forget my mobile device at home /work?

If you previously added another smartphone to approve your transaction, you should be able to use that other phone to approve. If you never added an additional, you can use the USSD platform (Only for retail users).

• What if my mobile device is lost or stolen?

Notify the bank immediately on 0800222000 to have the stolen/lost device de-associated from your account. You’ll be prompted to register another device the next time you access your QuickBanking profile.

• Can I change my TrustFactor Password?

Yes, you can. Open the TrustFactor app and select Settings and follow the edit option besides the password line.

Can I login into TrustFactor using Biometrics?

Yes, to enable biometrics, open the TrustFactor app and enable the biometrics toggle under settings. You will be able
to set your primary access option (i.e between password and Biometrics).

• What if I get a new phone?

Proceed to install and set up the TrustFactor App on the new phone. If you still have the old phone, you can transfer the authorisation rights to the new phone through the following steps;

1. Open the TrustFactor App on the old phone and access the ‘Profile Manager’ menu
2. Select the profile you want to share and click ‘Share’
3. Insert your TrustFactor password
4. Select ‘Import Profile’ on the new Smartphone (The app will display a QR code on the screen)
5. Scan the QR code by pointing the camera of the Old phone onto the new Phone’s screen
6. System will add your new phone
7. Delete your profile from the old phone if you no longer need the old phone.

If you do not have the old phone, reach us on 0800 222 000 to have the old phone de-associated from your account. You’ll be prompted to register the new phone the next time you access your QuickBanking profile.

• How do I execute my transactions if I am traveling?

The TrustFactor App is a perfect solution whenever you travel or need to access your account while out of the country. With TrustFactor you will be able to execute your transactions anytime anywhere if you have an active internet connection. A notification will be sent to your phone to complete the transaction, open the TrustFactor App and proceed to authorise the transaction.
No roaming fees are applicable when using TrustFactor App.

• I have bought a new phone and I no longer want to approve my transactions using the Old phone, how do I do that?

Open the TrustFactor App and delete your profile under the ‘Profile Manager’ menu. All your transaction data will be disassociated from the old phone.

• I have forgotten my TrustFactor Passwords, what do I do?

If you have the recovery code (provided after successfully adding your account to TrustFactor), you can restore your
access through the steps below.

1. Uninstall the TrustFactor App version you have on your smartphone
2. Install TrustFactor afresh from the Google Play store or the App Store and set up a new password.
3. Select the restore profile Option and Paste the recovery code in the field provided.
4. Your profile will be restored, and you can transact as usual.

If you do not have the recovery code, contact the Bank on 0800 222 000 to have you profile reset and follow the steps below.

1. Uninstall the TrustFactor App version you have on your smartphone
2. Install TrustFactor afresh from the Google Play store or the App Store and set up a new password.
3. Log into QuickBanking, you’ll be prompted to pair your profile on TrustFactor afresh.

• I have activated my account on TrustFactor, do I keep the TrustFactor App on my phone?

Yes, do not uninstall the TrustFactor App. You shall need it whenever you have to make a QuickBanking transaction.

• I have more than 1 dfcu account, do I need to have more than 1 phone to transact on Quick Banking?

With TrustFactor, you will be able to approve transactions off all your accounts on the same Smartphone.

• What if I don’t have a smartphone?

You can use the USSD platform *240# (Only for retail users).

Click here to download FAQs

These Terms and Conditions (the ‘Campaign Terms and Conditions’) are supplementary and apply to customers who are eligible and have applied for the 2023 ‘Reach for More’ Personal Loan Campaign which shall run from 18th January 2023 to 23rd April 2023. (‘the Campaign Period’). Customers are urged to read them carefully in conjunction with the detailed Personal Loan Terms and Conditions applicable to the Unsecured Personal Loan product. In the event of any inconsistencies between these Campaign Terms and Conditions and the Personal Loan Terms and Conditions, the Personal Loan Terms and Conditions shall prevail.

Eligibility Criteria

1. Must be 18 (eighteen) years of age or older.
2. Salaried employee earning in either Uganda Shillings or United States
3. The Personal Loan application amount does not exceed UGX
4. You are a new or existing dfcu Bank customer who applies and qualifies for a Personal
5. You meet the requirements of the Banks credit

Campaign Terms and Conditions

1. Your application is subject to approval by the Bank’s approving
2. The repayment start date for your Personal Loan obtained during the Campaign Period will be adjusted upwards from the dates that would have been set as the repayment dates subject to a maximum of 75 days from the date of

• You shall qualify for the repayment holiday once you have satisfied the eligibility criteria, the loan has been approved, and funds credited into your

1. The interest accrued during the Grace Period will be added to the principle, recapitalized and recovered as part of the monthly installment. For avoidance of doubt, Item D (2) of the detailed Terms and Conditions regarding Interest computation is hereby
2. In all instances, the Bank reserves the right to amend, reduce or extend at any time the start or end dates of the Campaign Period and by necessary implication the application of these Terms and
3. The Bank assumes no liability whatsoever for any direct or indirect loss or damage of any nature in connection with your participation in this campaign (whether due to negligence or otherwise).

• The Bank reserves the right to terminate this campaign at any In such event, you waive any rights which you may have against the Bank and acknowledge that you have forfeited any claim of any nature whatsoever against the Bank.
• By participating in this Campaign, you hereby agree to be bound by these terms and conditions which will also apply to all other information relating to the Campaign and to any promotional or advertising material that is published in relation to the

The “Reach for more” Personal Loan repayment holiday campaign terms and conditions are supplementary to dfcu Bank’s Personal Loan terms and conditions.

I/We hereby confirm that we/ I have clearly understood and do accept to participate in the Personal Loan Campaign offer that includes a 75-days’ repayment holiday (‘the Grace Period’) running from 18th January 2023 to 23rd April 2023. By signing on this document, you hereby confirm that you have read and understood and accept to be bound by the foregoing terms and conditions.

Borrower’s Name & Signature                                           Name & Signature of Witness

Date:                                                                                        Date:

1. To be a winner in the dfcu Back to School ‘Fees & Smiles’, one is required to pay a child’s school fees using dfcu QuickBanking (Quick Code *240#, QuickApp or QuickOnline) or SchoolPay (MTN Mobile Money /Airtel Money).
2. There is no entry fee and no purchase necessary to enter this competition.
3. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
4. Closing date for this promotion will be Friday 10^th February 2023, at 5.00pm. School fees payments made after this date, will not be eligible for the promotion.
5. The prize to be won under dfcu Back to School ‘Fees & Smiles’ January 2023 competition is UGX. 500,000 for the selected winner and no other alternatives will be offered. The prizes are not transferable.
6. All the lucky winners from the competition will be announced on our social media pages during the campaign period or after the closing date and asked to provide proper identification before claiming prizes.
7. The winner will be notified by email and/or phone call within 28 days of the closing date. If the winner cannot be contacted or does not claim the prize within 14 days of notification, we (dfcu Bank) reserve the right to withdraw the prize from the winner and pick a replacement winner.
8. By participating in this campaign, you release dfcu Bank and hold it harmless from any and all losses, damages, rights, claims, liabilities, and actions of any kind in connection with the Back to School ‘Fees & Smiles’ promotion including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
9. Entry into the competition will be deemed as acceptance of these terms and conditions.
10. dfcu Bank reserves the right to amend the General Terms at any time. You are encouraged to check the dfcu Bank website regularly for any such changes.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 million. T&Cs apply!

What is Agent Banking?

Agent Banking is a service channel that enables you to access our services through Agents contracted by the bank.

What Services are available?

1. Cash deposit to own and other dfcu Bank account.
2. Cash withdraw from own account
3. Account Opening Origination
4. Bill payment (Electricity, Water, Pay TV, Tax).
5. School fees payment
6. Float purchase (MTN, Airtel)
7. Inter account transfers and Interbank transfers.
8. Mini statements and Balance enquiry

What are the benefits of Agent Banking?

• Quick: no travelling to the bank, no queues, fast transaction processing.
• Affordable: transaction fees are lower than branch fees.
• Convenient: Agents open longer hours than bank Branches and are close to where customers live, work and shop.
• Simple: transaction process is simple, and no forms are required.

What do I need to perform cash deposit and cash withdrawal transactions?

1. To conduct a cash deposit transaction, you (customer) will need the following:

• account number
• account title
• Cash

1. To conduct a cash withdrawal, you (customer) will need the following:

• active debit card and PIN

Are the transactions real time?

Yes, all transactions are real time

How will I know the transaction has been completed?

• The agent will provide a transaction receipt for every successful transaction
• SMS or email will be sent to Account Owner on request

In case the transaction is rejected or failed, how will I know?

In case the transaction is rejected or fails, the agent will provide you (customer) a receipt indicating this status

What should I do if there is disputed transaction?

1. If there is a disputed transaction on your account, please report this to our contact centre.

• Call us on 0800 222 000 / 0414351000
• Send email customercare@dfcugroup.com
• WhatsApp on +256776 760760
• SMS to 8889

1. Provide the following details:

• Your full name
• Account number
• Transaction type (e.g cash withdrawal or cash deposit)
• Date and time of transaction
• Amount involved
• Receipt of the transaction

What criteria must an Agent meet?

• Is a registered and licensed business
• Have a physical address
• Have adequate and secure premises
• Have an account in a financial institution licensed by the Central Bank
• Have been engaged in a commercial activity for at least 12 months

Who can be a dfcu Agent?

• Registered Sole proprietors
• Registered Partnerships
• Limited liability companies
• Cooperative Societies
• Microfinance Institutions
• Any other entity which the Central Bank may deem fit for example, payments companies

What should I do to become a dfcu Approved Agent?

• Visit any dfcu Bank branch or
• Call us on 0800 222 000 / 0414351000
• Send email customercare@dfcugroup.com
• WhatsApp on +256776 760760
• SMS to 8889

Customer Notice

• No direct charges/fees should be levied by this Agent.
• Agent services are provided subject to availability of funds.
• Valid identification is required for Agent transactions.
• Obtain printed receipts for all successful transactions done by the Agent.
• Sign the Agent transaction register before leaving the Agent premises.
• Keep your PIN private. Never disclose your PIN to anyone.
• For more information on dfcu Agent services please call 0800 222 000.

dfcu Bank Agent Prohibited Activities

Agents shall not:

• Operate or carry out a transaction when the system is down.
• Operate or carry out a transaction when there is a communication failure in the system.
• Operate or carry out a transaction in the customer’s absence.
• Operate or carry out a transaction when the system cannot generate a hard copy system receipt or acknowledgement of the transaction.
• Charge fees directly to customers.
• Undertake Cheque deposits, distribution of Cheque books, ATM Cards, or conduct foreign exchange transactions.
• Subcontract other person(s) to provide Agent Banking services.
• Provide Agent Banking services at a location other than the physical address of the agent.

Tariff Guide

1. To be a winner in the dfcu Back to School ‘Fees & Smiles’, one is required to pay a child’s school fees using dfcu QuickBanking (Quick Code *240#, QuickApp or QuickOnline) or SchoolPay (MTN Mobile Money /Airtel Money).
2. There is no entry fee and no purchase necessary to enter this competition.
3. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
4. Closing date for this promotion will be Tuesday 13^th September 2022, at 5.00pm. School fees payments made after this date, will not be eligible for the promotion.
5. The prize to be won under dfcu Back to School ‘Fees & Smiles’ August 2022 competition is UGX. 500,000 for the selected winner and no other alternatives will be offered. The prizes are not transferable.
6. All the lucky winners from the competition will be announced on our social media pages after the closing date and asked to provide proper identification before claiming prizes.
7. The winner will be notified by email and/or phone call within 28 days of the closing date. If the winner cannot be contacted or does not claim the prize within 14 days of notification, we (dfcu Bank) reserve the right to withdraw the prize from the winner and pick a replacement winner.
8. By participating in this campaign, you release dfcu Bank and hold it harmless from any and all losses, damages, rights, claims, liabilities, and actions of any kind in connection with the Back to School ‘Fees & Smiles’ promotion including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
9. Entry into the competition will be deemed as acceptance of these terms and conditions.
10. dfcu Bank reserves the right to amend the General Terms at any time. You are encouraged to check the dfcu Bank website regularly for any such changes.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund of Uganda up to UGX 10 million. T&Cs apply!

Click here to download FAQs

1. The dfcu Bank ‘Win-Win’ Salary Loan Campaign runs from 14^th March 2022 to 31^st May 2022
2. Lucky winners of the ‘Win- Win’ campaign stand a chance to win loan repayments capped at UGX 10 million. The loan repayment applies only to new loans and/or top up loans taken during the campaign period. Running (already existing) loans are not eligible for the campaign reward.
3. All loans are offered at the sole discretion of dfcu Bank and as per the current credit policies governing the respective products.
4. If you are an existing dfcu Bank customer and you are currently in default on a facility from dfcu Bank, then you will not be eligible to apply for the discounted interest rate loans advertised in the ‘Win-Win’ loan campaign.
5. By participating in this campaign, you release dfcu Bank and hold it harmless from any and all losses, damages, rights, claims, liabilities and actions of any kind in connection with the Bounce Back promotion including, without limitation, personal injuries, death and property damage, and claims based on publicity rights, defamation or invasion of privacy.
6. For Bbuyoffs, arrangement fees shall not apply on loan amounts applied for.
7. These Win-Win campaign terms and conditions (“Win-Win Terms”) are supplementary to dfcu Bank’s standard terms and conditions applicable to the advertised products (“Standard Terms”). To the extent of any inconsistency between the Win-Win Terms and the Standard Terms, these Win-Win Terms will prevail.
8. The reduced promotional interest rate being offered during the Win-Win campaign is applicable only on new loans and on top up loans. These rates do not apply on your existing loan (if any with the Bank) if you do not wish to apply for new or top up loan.
9. All Loan rates are variable interest rates. Sale rates applicable only for new and Top-up loans. Interest rates are variable, pegged to the Prime Lending Rate and subject to change in line with the prevailing market conditions.
10. Immediate family members or distant relatives of an employee of dfcu Bank are not eligible to participate.
11. dfcu Bank reserves the right to amend the General Terms at any time. You are encouraged to check the dfcu Bank website regularly for any such changes.

dfcu Bank Uganda Limited is regulated by the Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund.

DOWNLOAD THE RISING WOMAN PROPOSAL WRITING GUIDELINE FORM HERE: https://bit.ly/3N7hiIj 

About Rising Woman

Monitor Publications Limited’s (MPL) flagship brand Daily Monitor in partnership with dfcu Women in Business Program and Uganda Investment Authority-UIA are running the fifth season of the Rising Woman campaign. The objective of the campaign includes recognizing, celebrating, and promoting a culture of mentorship among women in business in Uganda.

Several activities including countrywide power talks, mentorship programs, business advisory caravan are lined up. But that’s not all, an all-expenses paid study trip to Nairobi for the top 10 winners and cash prizes of up to UGX 30 million is up for grabs for the top 3 winners. Women entrepreneurs are therefore urged to send in their project proposals following the guidelines herein to stand a chance to win the study tour trip and cash prizes.

Who qualifies?                                                  

Registered businesses in the following categories:

1. Business/trading women, Agribusiness, 3. Small scale investors & Other consumer services those offering Education services, hospitality, Events management, Transport etc

Note: The business must be 50% owned by a woman/women and domicile in Uganda.

Where to pick up the guideline forms

• Download forms from dfcugroup.com, any dfcu branch, UIA offices or Daily Monitor offices.

How to submit

• Drop 2 fully signed hard copies at any of the dfcu branch, UIA offices or Daily Monitor offices OR
• Email to womeninbusiness@dfcugroup.com

Prizes to win

1. UGX10 Million for top winners in each category – Agribusiness Value addition, Manufacturing & Consumer services, Digital Innovation & Ecommerce
2. An all-expenses study tour trip in Nairobi for the top 10 proposals.

Deadline: Thursday 30^th June 2022

Contact Persons:  dfcu Bank -0800222000 or Joshua – 0701-770983

Terms & Conditions

Participation in the Proposal Writing Competition

1. The competition is only open to female entrepreneurs of adult age.
2. Participants shall be female entrepreneurs who individually or jointly own at least 50% of a business that is formally registered and domicile in Uganda.
3. Female entrepreneurs who work with any of the sponsoring partners are not eligible to participate.
4. Proposals shall follow the format provided in the proposal writing guideline form which is available on the dfcu website, all dfcu branches, Daily Monitor offices and all UIA offices. Proposals that do not meet the requirements provided therein shall not be allowed.
5. Proposals shall be submitted by delivering 2 hard copies at any dfcu branch, Daily Monitor office or UIA office. Submission may also be done online by sending an email womeninbusiness@dfcugroup.com.
6. Submission of Proposals will close on Friday, 29^th July 2022 at midnight (the “Closing Date”).
7. Proposals will be reviewed and evaluated by a panel of Judges whose decision will be final.
8. The Top 20 Participants with the best evaluated proposals shall each be required to make a personal presentation before a panel of Judges who shall then select the top 10 proposals where the Top three will emerge from.
9. Participants may be required to get involved in various media engagements (on TV, Radio, Print and Online) and their stories may be shared with the general public on the platforms selected by dfcu, Daily Monitor and Uganda Investment Authority. Each participant shall be deemed to have consented to being part of such media engagements by submitting their application.
10. The top 10 winners from the previous Rising Woman seasons are not eligible.

Rising Woman Business Trainings and caravans

1. The competition is only open to female entrepreneurs of adult age.
2. Participants shall be female entrepreneurs who individually or jointly own at least 50% of a business that is formally registered and domicile in Uganda.
3. Participants in Kampala shall register for the training at any dfcu Branch, Daily Monitor office or UIA office.
4. Participants from outside Kampala shall register with the District Commercial Officer.
5. The training will be conducted in various sessions across the country. Details of the sessions can be obtained from the District Commercial Officer, any dfcu Branch, Daily Monitor office or UIA office.
6. Availability of seats at the training sessions will be on a first come basis.

The Organizers reserve the right to amend the General Terms at any time. Participants are encouraged to check the dfcu website regularly for any such changes.

Download the Proposal Writing Form here