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?

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

• account number
• account title
• Cash

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

dfcu Mobile Agent Cash Withdrawal FAQs

 For Customers:

1. Dial *240#
2. Select 7 (withdraw cash)
3. Select option 1 (Agent)
4. Choose who you wish to receive the withdraw code by selecting “Send Voucher to):
5. Select option 1 (Own number) if it is to your registered number attached to your account
6. Select option 2 (Other number) if it is to be sent to another beneficiary
7. Enter Amount (Ugx 5000 or more)
8. Enter PIN
9. Visit your nearest agent and share code

For dfcu Agents:

How do I process a customer’s cash withdrawal?

Processing the withdrawal is done via the dfcu quick agent App: The dfcu Agent should follow the steps below ;

1. Log in :dfcu quick agent App
2. Select Withdrawals
3. Enter Voucher Number, then Secret Code
4. Enter OTP sent to customer,
5. Confirm transaction,
6. Give cash “Amount Payable” as per successful receipt.

What should I do if there is disputed transaction?

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

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/47pr9TV 

About The Rising Woman Initiative – 6^th Edition

dfcu Bank under the dfcu Women in Business program in partnership with the Monitor Publications Limited’s (MPL) flagship brand Daily Monitor, Uganda Investment Authority-UIA and Uganda Airlines are running the 6^th Edition 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.

Themed “Empowering Entrepreneurs to Succeed” the 6^th Edition of Rising Woman shall include several activities ranging from Regional Women in Business training & mentorship programs, B2B/B2C market linkages through the WIB Expo, Media profiling of Women Owned businesses and customized financial services offers 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?                                                  

Participants shall be female entrepreneurs who individually or jointly own at least 50% of a business that is formally registered and domicile in Uganda.

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

• Senior leadership or board consisting of more than 30% women.
• Businesses founded by a woman who retains an active role in the business.
• Businesses where the share of women in the workforce representing at least 30-50% of the workforce.
• Businesses dealing in products/services that specifically benefit women and address critical barriers to gender equality and women’s economic empowerment.

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 dfcubranch, UIA offices or Daily Monitor offices OR
• Email to womeninbusiness@dfcugroup.com

Winners will be awarded with

1. UGX15 Million, UGX 10 Million and UGX 5 Million for top 3 winners respectively.
2. An all-expenses study tour trip in Nairobi for the top 10 proposals.

Deadline: Thursday 31^st  October 2023

Contact Persons:  Email: womeninbusiness@dfcugroup,com

Call Fiona on – 0312300789 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. Female entrepreneurs who work with any of the sponsoring partners are not eligible to participate.
3. Proposals shall follow the format provided in the proposal writing guideline form, which is available on the dfcuwebsite, all dfcu branches, Daily Monitor offices and all UIA offices. Proposals that do not meet the requirements provided therein shall not be allowed.
4. Proposals shall be submitted by delivering 2 hard copies at any dfcubranch, Daily Monitor office or UIA office. Submission may also be done online by sending an email womeninbusiness@dfcugroup.com.
5. Submission of Proposals will close on Tuesday, 31st October 2023 at midnight (the “Closing Date”).
6. Proposals will be reviewed and evaluated by a panel of Judges whose decision will be final.
7. 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.
8. 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 public on the platforms selected bydfcu, 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.
9. The top 10 winners from the previous Rising Woman seasons are not eligible.

Rising Woman Business Breakfast ,Trainings and Expo

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 dfcuBranch, Daily Monitor office or UIA office.
4. Participants from outside Kampala shall register through email womeninbusiness@dfcugroup.com
5. The training will be conducted in various sessions across the country. Details of the sessions can be obtained from any dfcu Branch, Daily Monitor office or UIA office.
6. Availability of seats at the training sessions will be on a first come basis.
7. There will be an Expo held in October 2023.
8. Participants in the Expo shall register and book for space at any dfcu Branch, Daily Monitor Office or UIA Office or Email womeninbusiness@dfcugroup.com.

dfcu Bank is supporting small businesses to recover and thrive

dfcu Bank has been at the forefront of transforming businesses in Uganda by providing affordable and flexible financing solutions. The Small Business Recovery Fund supports small businesses that have been affected by the Covid- 19 pandemic.

1. What is the Small Business Recovery Fund?

The dfcu Small Business Recovery Fund provides loans/credit to small businesses that have been adversely impacted by the COVID-19 pandemic but show potential for recovery if provided with the right financial support. Through the fund, dfcu provides affordable credit facilities to small businesses that have suffered financial distress arising from the knock-on effects of COVID-19 pandemic. This fund provides the much-needed liquidity to resuscitate such businesses.

2. Why should small businesses take up this funding?

The fund has been crafted to support small business customers get back on their feet.  The loan offer includes the following:

• A business can access up to UGX 100 million in financing
• There is no minimum loan amount
• The loans are offered at a discounted interest rate of 10% per annum, which is on a reducing balance.
• The fund is available to support all economic sectors such as Trade, Education, Real Estate, Services, Health etc.

3. What is the repayment period for these loans?

The loan repayment period is a minimum of 6 months and a maximum of 4 years, which includes a grace period of a maximum of 1 year depending on the nature of the project.

4. Who is eligible to access this funding?

The credit facility is available to small businesses under the following criteria:

• Small businesses operated by individuals, groups, partnerships and companies, employing between 5-49 people;
• Business with an annual turnover of UGX 10 million to UGX 100 million;
• The businesses should demonstrate capacity for recovery;
• A qualifying borrower can only access this financing once and there are no top-ups. This provides an opportunity to other eligible borrowers to access the much-needed financing;
• Agri-businesses or agricultural activities that are eligible under the Agricultural Credit Facility (ACF) and those that have already been financed under ACF are not eligible.

5. How can eligible customers access the fund?

To apply, customers can visit the nearest dfcu Bank Branch or contact their relationship manager. They can also reach us on 0800 222 000 or WhatsApp 0776 760760 for more information about the Small Business Recovery Fund.