Banks and payments registry
Banks, Algérie Poste and payment companies in Algeria
Every bank licensed by the Bank of Algeria, the lenders and leasing companies, Algérie Poste, the card and e-payment networks, payment gateways and the companies behind shop card terminals. Branches and post offices by wilaya, with sources and the date each fact was checked.
Checked on Nov 1, 2026
Payment figures
Banks
BADR
Bank of Agriculture and Rural Development
BADR is a state-owned bank created in 1982 out of BNA to finance agriculture, fisheries and the rural economy. It runs the widest branch network am…
BDL
Local Development Bank
BDL is a state-controlled bank created in 1985 from CPA, originally to serve local authorities and small businesses, and known for pawn lending. In…
BEA
External Bank of Algeria
BEA is a state-owned bank founded in 1967, historically focused on foreign trade and on large energy and industrial companies. It was the second-la…
BNA
National Bank of Algeria
BNA is Algeria's oldest state-owned commercial bank, set up in 1966, and the country's largest bank by total assets at end-2025. It serves individu…
BNH
National Housing Bank
BNH is a public bank dedicated to housing finance, converted from the former National Housing Fund (CNL) and operational since May 2024. It finance…
CNEP-Banque
National Savings and Provident Fund - Bank
CNEP-Banque is the public savings bank, created in 1964 as a savings fund and converted into a bank in 1997. It is the main lender for home purchas…
CPA
Popular Credit of Algeria
CPA is a state-controlled commercial bank created in 1966 and Algeria's third-largest bank by total assets at end-2025. In March 2024 it became the…
Bank ABC Algeria
Bank ABC Algeria is the Algerian subsidiary of the Bahrain-based Arab Banking Corporation group and one of the first private foreign banks licensed…
AGB
Gulf Bank Algeria
Gulf Bank Algérie (AGB) is a private bank controlled by Kuwait's KIPCO group, which also owns Burgan Bank. It offers both conventional and Islamic…
Al Baraka Bank Algeria
Banque Al Baraka d'Algérie, set up in 1991, was the country's first fully Islamic bank, operating only Sharia-compliant products. It is a joint ven…
Al Salam Bank Algeria
Al Salam Bank Algeria is a fully Islamic bank that started in 2008. Since 2023 its majority shareholder is the Bahrain-listed Al Salam Bank, which…
Arab Bank PLC Algeria (branch)
Arab Bank PLC Algeria is the Algerian branch of Jordan's Arab Bank. It operates as a branch of a foreign bank rather than a locally incorporated su…
BNP Paribas El Djazair
BNP Paribas El Djazaïr is the Algerian subsidiary of the French BNP Paribas group, operating since 2002 with a focus on corporate clients and urban…
Citibank N.A. Algeria (branch)
Citibank N.A. Algeria is a branch of the US bank Citibank, present in Algeria since 1998. It serves multinational companies, large local corporates…
Fransabank Algeria
Fransabank El Djazaïr is the Algerian subsidiary of Lebanon's Fransabank group, active since the mid-2000s. It focuses mainly on corporate and trad…
HBTF Algeria
The Housing Bank for Trade and Finance - Algeria
The Housing Bank Algeria is the Algerian subsidiary of Jordan's Housing Bank for Trade and Finance (HBTF), one of Jordan's largest banks. It provid…
HSBC Algeria (branch)
HSBC Algeria is a branch of the HSBC group serving corporate and institutional clients. The group considered leaving Algeria in 2016 but the branch…
Natixis Algeria
Natixis Algérie is the Algerian banking subsidiary of the French BPCE group through Natixis. It serves companies and individual customers through a…
SGA
Societe Generale Algeria
Société Générale Algérie is the wholly owned Algerian subsidiary of the French group Société Générale, active since 1999. It is the largest private…
Trust Bank Algeria
Trust Bank Algeria is a privately owned bank with Jordanian-linked capital that has operated in Algeria since the early 2000s. It serves individual…
Ziraat Bank Algeria
Ziraat Bank Algeria is the local unit of Türkiye's largest state-owned bank, T.C. Ziraat Bankası, licensed in January 2025 with DA 20 bn of capital…
Algérie Poste and CCP
Lenders, leasing and microcredit
CNMA
National Agricultural Mutual Fund
CNMA is the national agricultural mutual, best known as an insurer of farmers, livestock and rural activities. It also holds a Bank of Algeria lice…
Sofinance (Financial Company for Investment, Participation and Placement)
Sofinance is a public financial institution that provides equity participation, venture capital, leasing and other medium-term financing to Algeria…
SRH
Mortgage Refinancing Company
SRH is a state-owned financial institution that refinances housing loans granted by banks, mainly by buying mortgage portfolios and issuing bonds.…
ALC
Arab Leasing Corporation
ALC, founded in 2001, was Algeria's first leasing company and finances equipment, vehicles and property for businesses and professionals. Its share…
El Djazair Idjar
El Djazair Idjar is a publicly owned leasing company that finances equipment and vehicles for businesses. It is backed by Algerian public banks and…
Ijar Leasing Algeria
Ijar Leasing Algérie is a leasing company set up by Banque Extérieure d'Algérie together with a Portuguese bank partner. It offers equipment and ve…
MLA
Maghreb Leasing Algeria
Maghreb Leasing Algérie is a leasing company licensed as a financial institution in March 2006, with DA 6.5 bn of share capital. It finances equipm…
SNL
National Leasing Company
SNL is a public leasing company created by the state banks BNA and BDL to finance equipment, vehicles and professional property for SMEs. It is lic…
ANADE
National Agency for Entrepreneurship Support and Development
ANADE is the public agency that supports the creation of micro-enterprises; it replaced the youth employment agency ANSEJ (created 1996) in 2020. I…
ANGEM
National Microcredit Management Agency
ANGEM is a public agency, not a bank, that manages Algeria's microcredit scheme for low-income people, home-based workers and small craft activitie…
CNAC
National Unemployment Insurance Fund
CNAC is the public unemployment insurance fund, created in 1994. Besides paying insurance benefits to workers who lose their jobs for economic reas…
Payment infrastructure, gateways and wallets
BA
Bank of Algeria
The Bank of Algeria is the central bank and the regulator of the payments sector. Since the 2023 monetary and banking law it can license payment se…
CNP
National Payments Committee
The National Payments Committee is a coordination body chaired by the Bank of Algeria governor. It gathers several ministries, the central bank, Al…
DZ Mob Pay — interbank mobile payment
DZ Mob Pay is the national interoperability layer that lets a customer of one bank pay a merchant or person at another bank by scanning a QR code.…
GIE Monétique
Economic Interest Group for Electronic Payments
GIE Monétique is the interbank body that sets the rules and security standards of Algeria's domestic card and mobile payment system. Created in 201…
SATIM — Interbank Transaction Automation and Electronic Payments Company
SATIM is the bank-owned company that processes interbank card transactions in Algeria and operates the online payment platform used by certified e-…
Beyn
Beyn is a local fintech that built WIMPAY, the QR-code mobile payment app first launched by BNA in 2021 and later deployed under the BEA and BDL br…
Djezzy Payment Services
Djezzy Payment Services is a subsidiary of mobile operator Djezzy created to become a licensed payment service provider under the 2023 banking law.…
Chargily Pay
Chargily
Chargily is an Algerian fintech whose Chargily Pay gateway lets websites and apps accept CIB and Edahabia cards through one API, with open-source l…
Guiddini Pay
Guiddini Pay is an Algerian online payment service that gives businesses an API and WordPress integration to accept CIB and Edahabia cards in dinar…
SlickPay
SlickPay is an Algerian payments startup co-founded by Mounir Ammari that offers merchants online payment acceptance, payment links and invoicing t…
Card terminal (POS) companies
ENIE
National Electronics Industries Company
ENIE is a state-owned electronics manufacturer in Sidi Bel Abbès that has assembled card payment terminals since 2018, with more than 50,000 units…
HB Technologies
HB Technologies is a private Algerian company in the Rouïba industrial zone that manufactures and personalises smart cards, including bank cards, a…
INATEL
National Electronic Technologies Industry Company
INATEL is a public electronics company based in Tlemcen and attached to the Elec El Djazaïr group. On 1 November 2026 it announced GIE Monétique ap…
What changed recently
- State-owned electronics maker INATEL (Tlemcen, Elec El Djazaïr group) received GIE Monétique approval to install class V card terminals, covering delivery, commissioning and merchant training. ↗
- SATIM, the interbank card company, said it had been approved by Visa and Mastercard to personalise international cards locally, aiming at delivery in about 48 hours; production had not yet started. ↗
- SATIM announced that Visa and Mastercard have approved its card personalisation centre, so international cards for Algerian banks can be produced locally; CPA and BDL completed certification first. ↗
- GIE Monétique reported about 23 million payment cards at end-August 2026 (about 19 million Edahabia, over 4 million CIB), 126,000 card terminals versus 78,000 in December 2025, and 1,034 certified web merchants. ↗
- The Monetary and Banking Council authorised Djezzy Payment Services, a subsidiary of Optimum Telecom Algérie, to be incorporated as a payment service provider — reported as the first such authorisation; it must then apply for a full licence within 12 months. ↗
- SATIM's director general said 92.14% of card transactions were validated in the first half of 2026, with technical rejections below 3%, and about 120,000 merchants equipped with terminals out of roughly 2 million. ↗
- Mohand Bourai, director-general of BADR since 2020 and head of the banks association ABEF, was installed as Governor of the Bank of Algeria, after Mohamed Lamine Lebbou became Minister of Finance in a partial reshuffle on 1 September 2026. ↗
- Mohand Bourai was named governor of the Bank of Algeria, the third change at the head of the central bank in 2026 after Mohamed Lamine Lebbou's appointment in February. ↗
- Bank of Algeria Regulation 26-03 set the conditions for factoring, which remains reserved to licensed banks and financial institutions as a credit operation. ↗
- Bank of Algeria Regulation 26-01 of 31 May 2026 set the organisation of the National Payments Committee, chaired by the governor and tasked with drafting the national strategy for non-cash payment instruments. ↗
- BDL announced the appointment of Mustapha Ferfera as chairman and CEO; interim director-general Mohamed Mebarek became deputy director-general. ↗
- Public electronics group ENIE (Sidi Bel Abbès) obtained GIE Monétique approval to install and maintain all card terminals nationwide, regardless of brand, after previously servicing only its own terminals. ↗
- A compilation of end-2025 balance sheets ranked BNA first by total assets (about DA 6,079 bn), ahead of BEA and CPA, with Société Générale Algérie the largest private bank. ↗
- Mustapha Benalkma was installed as head of BNA, the largest Algerian bank, replacing Samir Tamrabet. ↗
- The Bank of Algeria's updated list of authorised banking products (as of 14 May 2026) adds interbank QR-code payments, a deferred-debit CIB card and, for the first time, acceptance of foreign cards by Algerian e-merchants. ↗
- GIE Monétique said more than 100,000 terminals were active in March 2026 for about 1.2 million declared merchants, meaning fewer than 10% of merchants accept cards, with about 4,700 ATMs nationwide. ↗
Rules for electronic payment
- Règlement de la Banque d'Algérie n° 26-01 du 31 mai 2026 (Comité national des paiements) · Sets the composition and functioning of the National Payments Committee, which brings together ministries, the central bank, Algérie Poste, security services, GIE Monétique and SATIM to draft the national non-cash payments strategy. ↗
- Règlement n° 20-01 du 15 mars 2020 (produits bancaires) et recueil actualisé au 14 mai 2026 · The Bank of Algeria's periodically updated list of authorised products now includes interbank QR payments (P2P, P2B, B2P), a deferred-debit CIB card and foreign-card acceptance for e-merchants; banks may launch 15 days after a prior declaration. ↗
- Mise en demeure du ministère du Commerce pour l'équipement en TPE · Merchants were given eight days from notice to install a terminal or show a bank-stamped application receipt; reported penalties include a 50,000 DA flat fine and administrative measures, with a one-month transition for distributors and producers. ↗
- Note de la Banque d'Algérie sur les versements en espèces aux comptes commerciaux · Restricted cash deposits into business accounts from 23 December 2025 to favour transfers, cheques and cards; a 31 December clarification allowed justified deposits on a declining basis. ↗
- Instruction de la Banque d'Algérie (août 2025) relative aux prestataires de services de paiement · Completed the PSP framework with operational rules for applicants, published in August 2025; one specialist outlet cites it as Instruction 06-2025 with tiered e-wallet rules, which could not be confirmed from the official text. ↗
- Règlement de la Banque d'Algérie n° 25-02 du 14 avril 2025 (constitution des PSP) · Sets how payment service providers are authorised and licensed by the governor, with a minimum capital of 160 million DA paid in cash, covering services such as payment accounts, transfers, card issuing, acquiring and money remittance. ↗
- Instructions de la Banque d'Algérie n° 01-25 et 02-25 (banques, établissements financiers et banques digitales) · Detail the authorisation and licensing procedure for banks and financial institutions (01-25) and for digital banks (02-25). ↗
- Loi n° 23-09 du 21 juin 2023 portant loi monétaire et bancaire · Replaced the 2003 ordinance and created new categories including payment service providers, digital banks and a National Payments Committee, and provides for a central bank digital currency. ↗
- Loi n° 18-05 du 10 mai 2018 relative au commerce électronique · Sets the general rules for e-commerce in Algeria, including that online sales be paid through payment platforms connected to the banking and postal systems. ↗
- Loi n° 17-11 du 27 décembre 2017 portant loi de finances pour 2018 — article 111 · Requires merchants to offer customers electronic payment through terminals; it is the legal basis repeatedly cited for the 2025–2026 terminal enforcement campaign. ↗
Banks by wilaya
Official list used: Décision n° 26-01 de la Banque d'Algérie portant publication de la liste des banques et de la liste des établissements financiers agréés en Algérie (2026-01-29). Facts in our own words, each with its source. EXDZ is not affiliated with these institutions. Check rates, fees and opening hours with the institution before you go. Branch locations © OpenStreetMap contributors (ODbL), plus the institutions’ own websites. Spotted a closed or missing branch? Tell us.