General Information

1. What is cardless withdrawal?
   Cardless withdrawal allows customers to withdraw cash from dfcu Agent Banking terminals without using a physical ATM card.

2. Who can use cardless withdrawal?
   dfcu Bank customers can initiate transactions using the dfcu Quick banking mobile & Internet Banking service OR even generate a voucher for another beneficiary that may not have a dfcu Account to withdraw at any dfcu Agent location.

3. Where can I find dfcu Agent Banking terminals?
   Over 1,800 dfcu Agents are located across the country regions.

4. Are there any charges for cardless withdrawals?
   Yes, standard transaction fees apply. Refer to the Agent Banking Tariff Guide displayed at all Agent locations or, You can check the fee structure on the dfcu Bank website or by contacting customer service on 0800 222 000 toll-free.

Process Steps

5. How do I initiate a cardless withdrawal?
   • To initiate a cardless withdrawal, log into your dfcu Quick Banking mobile banking app or Internet Banking service.
   • Go to TRANSERS and select CARDLESS – Cash Payments.
   • Enter:
     • Beneficiary Phone Number
     • Beneficiary Name
     • Description
     • Amount

• • Continue to confirm cash payment and get a Voucher Reference plus a Secret Code

6. What do I do with the Voucher Reference & Secret Code?
   • Beneficiary should Go to the nearest dfcu Agent to cash out.
   • Agent will present the device to Enter the Voucher Reference & Secret Code
   • A one-time-PIN will be sent through SMS to the beneficiary’s phone to authorize any transaction.
   • Confirm cash is received from the Agent by signing the transaction register and taking a copy of the receipt printed using the Agent Device.

7. How long is the withdrawal Voucher valid?
   The withdrawal voucher is typically valid for 4 days from the time of generation.

Security

8. Is cardless withdrawal secure?
   Yes, cardless withdrawal is secure. The process involves multiple authentication steps to ensure the security of your transaction.

9. What should I do if I suspect fraudulent activity?
   If you suspect any fraudulent activity, contact dfcu Bank customer service on 0800 222 000 toll-free immediately to report the issue.

Troubleshooting

10. What if I forget my withdrawal code?
    If you forget your withdrawal code, you will need to generate a new one using the dfcu mobile banking app or Internet Banking Service.

11. What if the Agent does not give out cash?
    If the Agent does not give out terminal does not dispense cash, contact dfcu Bank customer service on 0800 222 000 toll-free for assistance.

12. What should I do if the withdrawal code is not recognized?
    Ensure you entered the correct code. If the problem persists, contact dfcu Bank customer service on 0800 222 000 toll-free.

Limits and Restrictions

13. Is there a limit to the amount I can withdraw cardlessly?
    Yes, dfcu cardless withdrawals have a daily limit of 4 million UGX.

14. Can I perform multiple cardless withdrawals in a day?
    Yes, you can perform multiple cardless withdrawals, subject to daily transaction limits.

Additional Services

15. Is cardless withdrawal available 24/7?
    Yes, cardless withdrawal is available 24/7 at all dfcu Agent Banking locations. .

Mobile Banking Integration

17. Do I need to have the dfcu Quick Banking mobile app or Internet Banking access to use cardless withdrawal?
    Yes, the dfcu Quick Banking Mobile App or Internet Banking access is required to generate the withdrawal voucher for cardless withdrawals.
18. What if I don’t have a smartphone?
    Without a smartphone, use the USSD code *240# or a physical ATM card for withdrawals.

Customer Support

18. Who do I contact for help with cardless withdrawal?
    For assistance, contact dfcu Bank customer service via phone, email, or visit the nearest dfcu Bank branch.
    • Call our contact centre on 0800 222 000 toll-free.
    • Email: customercare@dfcugroup.com
    • WhatsApp: +256 776 760 760
    • Inbox us on our social media channels

Feedback

19. How can staff provide feedback on the new system?
    Feedback can be submitted through the internal feedback portal or directly to the project team.

20. Will there be opportunities for staff to suggest improvements?
    Yes, staff are encouraged to suggest improvements, and their input will be considered for future updates.

21. How will customer feedback be collected and addressed?
    Customer feedback will be collected through surveys and direct communication and will be used to make necessary improvements.

22. What should staff do if they have suggestions for system improvements?
    Staff should submit their suggestions through the designated feedback channels.

23. How will feedback be used to improve the system?
    Feedback will be analysed to identify areas for improvement and to implement enhancements in future updates.

24. Is there a timeline for addressing feedback and making improvements?
    Feedback will be reviewed regularly, and a timeline for implementing improvements will be communicated to staff.

25. How will staff be informed about changes based on feedback?
    Changes based on feedback will be communicated through internal updates and meetings.

26. What role will staff play in the continuous improvement of the system?
    Staff will play a crucial role by providing ongoing feedback and suggestions for enhancements.

27. How will the effectiveness of feedback-driven changes be evaluated?
    The effectiveness of changes will be evaluated through user satisfaction surveys and performance metrics.

1. Why should I insure my car?
   By law,  all motor vehicles are required to have a minimum Motor Third-Party Insurance (MTP) coverage. However, Third-Party insurance only covers damages or injuries to others (excluding yourself, your family, and employees) and their property; it does not protect your vehicle. To be compensated for damages to your car, consider comprehensive insurance, which covers incidents like collisions, theft, vandalism, fire, flooding, and hail damage, as well as injuries and damages to third parties.
2. What is motor comprehensive insurance?
   Motor comprehensive insurance is a policy that provides extensive coverage for a vehicle beyond liability.
3. What coverage options are included in this insurance cover?
   There are numerous benefits, including coverage for accidental damage or loss of your vehicle and its accessories. You also receive liability coverage for third parties, as well as compensation for injuries or death for yourself, your driver, and family members. Additional benefits include towing costs, ambulance expenses, claim preparation costs, and 24/7 roadside assistance. Most importantly, you can expect to be compensated up to 100%.
4. What documents do I need to submit to get signed onto the dfcu Motor Comprehensive Insurance scheme?
   You will complete a short insurance proposal form (provided to you by the Bank), a copy of your National ID or Passport and a copy of your vehicle Logbook. Additionally, you will be required to inform us of the location where your vehicle will be parked for inspection by the insurer.
5. What is the duration of the cover?
   The insurance cover runs for 12 months.
6. How long does it take to receive a policy confirmation?
   Once the premium has been paid in full, the necessary insurance policy documents will be shared with you within 24 hours.
7. What if I cannot afford the insurance premium?
   You can apply for Insurance Premium Financing through dfcu Bank. This financing option allows you to pay your insurance premiums in instalments instead of a lump sum, as mandated by the Insurance Act of 2017.
8. What support is available after I purchase the insurance?
   Our dedicated Bancassurance team is available to support you through the claims process in the event the insured risks materialize. Additionally, Roadside assistance is available to you in the event of a car breakdown.
9. What should I do in case of an accident?
   If you have sustained any injuries, seek medical attention without delay. Additionally, inform the dfcu Bancassurance team, your insurance provider, or the police so that you can be assisted in starting the claim process. If it is safe, document the damage to your vehicle and the accident scene before anything is tampered with. Key to note, refrain from accepting liability at the accident scene.
10. How do I file a claim?
    Contact the dfcu Bancassurance team or the insurance company, providing your policy number or vehicle registration number. They will notify the insurer of the claim and present you with a claim form. Additionally, they will guide you on the necessary supporting documentation required to process your claim.
11. Who can I contact for more information or support?
    You can reach out to our Bancassurance team via our contact centre number 0800222000 or email customercare@dfcugroup.com.

1. What is an Omni-Channel Account Opening Process?
   An Omni-Channel Account Opening process allows customers to open a bank account through multiple channels, such as online, mobile apps, in-branch, or via call centres, ensuring a seamless and consistent experience.
2. Why is the Bank introducing an Omni-Channel Account Opening Platform?
   To simplify and speed up the account opening process, enhancing customer satisfaction and operational efficiency.
3. What steps should the CSO or bank staff take before opening an account on the Omni-Channel platform?
   Ensure that the client has no existing accounts with Global Trust, Crane Bank, or dfcu Bank and that they possess original documents for their National ID and a line registered in their name.
4. What are the acceptable customer images for omni-channel account openings?
   The photo must be of the account holder, taken against a clear background, without any shades or caps.
5. What should a customer do if they are unable to sign or use a thumbprint?
   Customers who cannot sign or use a thumbprint should visit the nearest dfcu branch.
6. Which channels are available for account opening?
   New-to-Bank customers can open an account online using branch tablets. After the pilot, account opening will be accessible remotely from any location.
7. Is the account opening process different across channels?
   No, the process is designed to be consistent across all channels to ensure a seamless experience for customers.
8. What documents are required to open an account?
   For personal accounts, you will need a valid ID for Uganda nationals, a passport with a working or residency permit for foreigners or a refugee card; and a registered phone number.
9. Can I start the application on one channel and complete it on another?
   Yes, the Omni-channel process allows you to start your application on one channel and finish it on another without losing any progress.
10. How long does it take to open an account?
    The duration can vary but typically, the process should take approximately 15 minutes if you have all the required documents ready.
11. Is there customer support available if I encounter issues?
    Yes, customer support is available across all channels to assist you with any issues during the account opening process on 0800 222 000 toll-free. Confidential
12. Is the online account opening process secure?
    Yes, the process employs advanced security measures to ensure your personal and financial information is protected and encrypted.
13. Can I open different types of accounts through this process?
    For this phase, we are focusing on New-to-Bank personal accounts (without existing CIFs). Entity account capabilities will be introduced later in the year.
14. Can I upload documents electronically?
    Yes, you can upload necessary documents electronically through the online and mobile channels.
15. Will I receive a confirmation once my account is opened?
    Yes, you will receive a confirmation via email, SMS, and through the platform once your account is successfully opened.
16. Can I track the status of my application?
    Yes, you can track the status of your application through the channel you used to apply, whether it’s online(web) or mobile.
17. What if I don’t have all the required information/documents?
    You can save your progress and return to complete the application once you have all the required documents.
18. Are there any fees for opening an account?
    Fees may vary depending on the type of account and the bank’s policy. Check the bank’s website (Tariff Guide) or contact centre on 0800 222 000 toll-free for specific details.
19. Can I open a joint or secondary account through this process?
    Support for joint and secondary accounts isn’t available with this version release but will be provided in the coming months.
20. Is there a minimum deposit required?
    The omni-channel platform includes the minimum deposit requirements for UGX and USD New-to-Bank accounts, allowing customers to review these details during the application process.
21. What identification is accepted?
    During this phase, only government-issued National IDs are accepted.
22. What should I do if my application is denied?
    Contact Centre on 0800 222 000 toll-free to understand the reason for denial and to get guidance on the next steps you can take.
23. Have the Customer Service Officers (CSOs) been informed of the planned changes?=
    Yes, the CSOs have been informed.
24. Can I onboard seamlessly onto Quick Banking?
    Yes, this system allows you to onboard on Quick Banking seamlessly. Confidential
25. How can a customer provide feedback about their experience during the migration?
    We welcome your feedback. Customers can share their experiences and suggestions through the following:
    • Call our contact centre on 0800 222 000 toll free
    • Email: customercare@dfcugroup.com
    • Whatsapp: +256 776 760 760
    • Inbox us on our social media channels
    • Visit a branch and speak to a Customer Service Officer
26. Will there be any follow-up communication after deploying this omnichannel account opening system?
    Yes, we will send out a notification once the deployment is completed. We will also survey to gather your feedback and ensure any issues are addressed promptly.
27. After account opening, how can I find my account?
    Staff should guide customers to fund their accounts via Wallet to Bank (W2B) from mobile money numbers or at the ATM, rather than at the till.

1. What is Vehicle & Asset Financing?
   Vehicle and Asset Financing (VAF) is a credit product available to all dfcu Bank customers across the branch network countrywide to finance the purchase of Vehicles and Equipment.
2. What can be financed?
   Any good quality brand new or used assets up to 15 years of age including cars, trucks, buses, tractors, manufacturing equipment, printing machines, earth moving equipment, solar equipment, medical equipment, generators, Milk coolers and many more.
3. What products are offered under Vehicle & Asset Financing?
   • Finance Leases
   • Consumer Asset Finance
   • Insurance Premium Finance
4. Who qualifies for Vehicle & Asset Financing?
   • Individuals who can practically demonstrate a steady source of regular income.
   • Properly established businesses, sole proprietors companies, partnerships, investment clubs, and Women in Business with steady cashflows to meet the instalment payments.
5. What is the minimum value of an asset that can be financed?
   The financed amounts vary from UGX 1M to over UGX 15BN or USD equivalent. However, amounts outside this range can be considered under special circumstances.
6. What is the minimum and maximum finance tenor?
   • The minimum period is 12 months.
   • The maximum period is 72 months.
7. What are the UGX interest rate offers for assets?
   • 10% for Women Entrepreneurs under GROW.
   • 16% for Salaried customers.
   • 17% for self-employed and SME customers.
8. Who identifies the asset and the supplier?
   The customer identifies the asset that suits their needs. The bank will however verify that:
   • It is of good and marketable quality.
   • It has a secondary market.
   • Supplier is reputable
   • It is not overpriced
9. Who are the vehicles and equipment supplier partners
   • Brand New Cars
     • CFAO Mobility
     • Motor Care (U) Ltd
     • The Motor Centre EA
     • Victoria Motors (U) Ltd
   • Brand New Trucks/Buses
     • Double Q Co. Ltd
     • Mac East Africa (U) Ltd
     • TATA (u) Ltd
     • Skenya Motors (U) Ltd
     • Mobikey(U) Ltd
   • Brand New Tractors
     • Cooper Motors (U) ltd
     • Engineering Solutions
     • Victoria Equipment (U) Ltd
   • Brand New Generators
     • Africa Power& Equipment
     • Mantrac (U) Ltd
     • Car & General
   • Used Cars/ Vehicles
     • Babu Motors (U) Ltd
     • Success Motors (U) Ltd
     • Hayat International
     • Rizwan Motors
     • World Navy Company Ltd
     • Zaara Motors
10. What is expected of the customer once takes on the financed asset?
    • The customer uses the asset and keeps it in good working condition.
    • The customer ensures that the asset is comprehensively insured at all times
11. What happens if the customer can not afford to pay for comprehensive insurance?
    The bank can grant the customer an Insurance Premium Finance (IPF) facility to cater for the upfront Insurance premium payment. This facility revolves for the duration of the VAF Facility and is payable within a period of 10months at very attractive fixed interest rates.
12. Can one have more than one asset financed?
    Yes, one can have more than one asset financed provided they have adequate cashflows to maintain the repayments.
13. What repayment options are available?
    Repayments are structured to match the cash flow of your business for instance. monthly, quarterly, termly, semiannually, and annually.
14. Does one have to be a dfcu customer to qualify for Vehicle & Asset Financing?
    No! One does not have to be a customer to qualify for Asset Financing. However, you will be required to open up an account with dfcu on approval of the facility.
15. What security should one provide to secure a Vehicle & Asset Financing facility?
    The primary security for Asset Finance is the Asset that is financed for which we provide up to 100% depending on the source of income age and type of the asset.
16. Does the bank give the customer cash to purchase the asset?
    No, the Vehicle & Asset Financing facility proceeds are paid directly to the supplier’s account.
17. What happens when the financed asset develops a mechanical problem?
    From the start, the client is responsible for choosing the asset from the supplier so you have to be cautious of the quality. You will be responsible for maintaining the asset in good mechanical condition. We will carry out routine inspections to make sure the asset is maintained properly. The client is expected to meet the full cost of repair should there be a mechanical breakdown.
18. When does the customer start making the repayments for overseas purchases?
    The customer starts making repayments after receiving the financed asset from the supplier. However, over the period when the asset is delivered, the customer will be charged pre-delivery Interest which may be paid on receipt of the asset or capitalized as part of the principal facility amount.

• The offer is valid for all VISA cards issued in Uganda.
• To avail of the offer bookings must be made online using code UGVISA1 between the campaign sales dates for travel between the campaign travel dates.
• Booking must be paid using a Visa card. No other payment methods are valid for this promotion. BIN numbers will be verified before payment.
• When booking a return flight to Dubai, a discount of USD 50 will be applied to Economy Class fares and USD 150 to Business Class fares. For all other EK destinations, a discount of USD 65 will be applied to Economy Class fares, and a discount of USD 130 will be applied to Premium Economy fares, and a discount of USD 190 will be applied to Business Class fares.
• Additional bags will be added to the bookings to Dubai destination.
• Discounts will be a fixed amount applied in USD to market fare.
• Sales period: 1 September 2024 till 28 February 2025.
• Travel period: 1 September 2024 till 20 April 2025.
• Discount will apply to Saver, Flex, and Flex Plus fare brands only. Special fare brand is excluded from the offer.
• Offer only valid for return bookings.
• Offer valid for travel from EBB International Airport in Uganda to all Emirates online destinations. Interline/codeshare flights are excluded from the offer.
• Promo code cannot be used in conjunction with any other offer(s) or promotional fares.
• This offer does not apply to tickets redeemed in full using Emirates Skywards Miles or other redemption offers or to industry-discounted tickets or group-discounted tickets.
• Fares may differ due to currency fluctuations and/or government tax regulations based on the journey booked.
• Emirates flight tickets are subject to availability at the time of booking, and airfare may change without notice unless the airfare is ticketed.
• Min/ Max Stay periods may apply. Changes or Cancellations may incur a fee. Detailed fare terms and conditions can be found on the ‘review your selection’ page during the booking process online.
• Emirates reserves the right to end this promotion early.
• Visa and Emirates reserve the right to vary the Terms and Conditions governing this offer without prior notice.

Empowering Women In Business – dfcu Women in Business (WiB) is more than Banking. We partner with female entrepreneurs to unlock growth for their businesses.

1. What is GROW?

PSFU GROW stands for Generating Growth Opportunities for Women Enterprises. The GROW Project is a Government of Uganda Project funded by the World Bank and jointly implemented by PSFU (GROW Project Team) and the Ministry of Gender, Labour and Social Development. dfcu Bank is Implementing a component of the Project – GROW Financing Facility (GFF) alongside 4 other commercial Banks.

2. What is dfcu’s Role in the GROW Project?

dfcu is one of the 5 Partner Financial Institutions (PFIs). dfcu Bank is offering Loan Products at 10% to Women entrepreneurs across the country through its branches.

3. Which Products is dfcu Bank offering under GROW Project?

dfcu is offering the Baraka Loan Product (outside Kampala), the Business Growth Loan (BGL), the Agricultural Production Loan (APL), Contract Financing (LPO, contracts etc- working capital Loan), and Asset Financing.

Agriculture Production Loan

This facility is targeted at providing working capital for businesses, groups and or individuals engaged in agriculture production to facilitate the acquisition of input supplies, factor inputs, and meeting any other operational costs associated with production, and post-harvest handling.

Requirements

• • dfcu Bank account
  • National Identification
  • Proof of cashflows (one-year bank statement)
  • Collateral (As applicable i.e. land title, land sales agreement)
  • Proof of business (trading license)
  • Credit History (CRB report)

Features

• • Access from as low as UGX 4 million up to UGX 200m
  • In UGX currency only
  • Tenor – 6 Months, Maximum Tenor – 24 Months
  • Target – Small and Medium-sized enterprises
  • The facility is secured by bank-acceptable collateral

Baraka Loan

This is a short-term facility targeting small and emerging businesses with growth potential but currently have challenges accessing credit due to a lack of collateral.

Requirements

• • dfcu Bank account
  • National Identification
  • Proof of cashflows (one-year bank statement)
  • Collateral (As applicable i.e. land title, land sales agreement)
  • Proof of business (trading license)
  • Credit History (CRB report)

Features

• • Loan amount Up to UGX 30m
  • In UGX currency only
  • Minimum 1 month and up to 12 months tenor
  • Flexible security requirements including acceptance of kibanja as collateral

Business Growth Loan

This is a facility targeted at providing short-term working capital funding for businesses or funds for expansion, working capital and financing core working assets in the business.

Requirements

• • dfcu Bank account
  • National Identification
  • Proof of cashflows (one-year bank statement)
  • Collateral (As applicable i.e. land title, land sales agreement)
  • Proof of business (trading license)
  • Credit History (CRB report)

Features

• • Access from as low as UGX 4 million up to UGX 200m
  • In UGX currency only
  • Up to 24 Months tenor
  • Target business segment – Small and Medium-sized enterprises
  • The facility is secured by bank-acceptable collateral
  • Longer repayment period, allowing them flexibility and affordable instalments

Asset Financing

This is a lending offering where a client is financed to acquire an income-generating asset which doubles as collateral. The purchased asset is registered in the name of the borrower. The bank only places its interest on the asset through a chattel mortgage or registered debenture.

Access financing for asset acquisition such as Vehicles, specialized equipment, Agro machinery and equipment, Infrastructure development facilities etc.

Requirements

• • dfcu Bank account
  • National Identification
  • Proof of cashflows (one-year bank statement)
  • Collateral (As applicable i.e. land title, land sales agreement)
  • Proof of business (trading license)
  • Credit History (CRB report)

Features

• • The maximum amount is based on affordability
  • Up to 24 months repayment period
  • Up to 80% financing depending on the type of asset being purchased
  • Repayment frequency based on business cashflows

4. Who can benefit from the GROW Loan?

Female bank Customers with registered businesses who meet the detailed eligibility criteria. However, none bank customer can open accounts and get supported qualify, including support to formalize their businesses.

5. Can I get the Loan from Anywhere?

Yes, the GROW Loans are available at all dfcu Bank Branches, you can reach out to the nearest to you.

6. How do I access it?

Yes, the GROW Loans are available at all dfcu Bank Branches, you can reach out to the nearest to you.

7. How Long is the loan?

The Maximum Loan tenure is 2 years.

8. How much can be extended under the GROW Loan?

A minimum of 4 million up to 200 Million Uganda Shillings.

9. Do I need a collateral?

For some Loan products, security will be required, your bank officer will further guide depending on the amount among other considerations.

10. How can I get support to formalise?

Get in touch with any officer at your nearest branch, any of these will share with you the GROW District Liaison to support you in registering your business. You can also reach out to the dfcu Foundation (ADC) advisor to guide you on the formalisation process.

11. Is it for only females’ businesses? If a female has a joint business with their spouse, do they qualify?

A joint Business can qualify as long as the woman in the business holds the majority stake/ shareholding.

12. What if I have exhausted my debt service ratio, do I still qualify for this loan?

Qualification for the loan is based on the ability of the customer to repay the loan. All Eligible customers need to have a sufficient cashflow/ debt service ratio.

13. Does one have to be a dfcu customer? and for how long should they have been with us to qualify?

To qualify for this loan, a customer needs to have banked with dfcu for a minimum of 6 months.

14. For how long is this project or campaign going to run?

The GROW Project is set to run for 2 years with a possibility of extension depending on the performance of the bank on on-lending the funds to Women Enterprises.

15. What are the requirements to qualify for this loan? (Age, shares owned in the business etc.)

The GROW Project is set to run for 2 years with a possibility of extension depending on the performance of the bank on on-lending the funds to Women Enterprises.

16. Are buy-offs allowed and top-ups allowed?

Buy-offs or Re-financing is not part of the scope of this Loan initiative and thus not allowed. Top-ups for clients who qualify (with ample cashflows) are permissible as long as the repayment doesn’t exceed the 2-year window of this Loan Initiative/ Project.

17. Do start-ups qualify for this loan?

Start-ups that meet the eligibility criteria and have the cashflows to repay the loans can qualify for this loan.

18. What fees are associated with acquiring this loan?

The Loan is being extended at Zero Arrangement fees.

More Information & Details
For more details, please visit any of our branches countrywide.
Send an email to Womeninbusiness@dfcugroup.com
WhatsApp 0776 760760 or call 0800 222 000 toll-free.

Download Project Brochure
Download the dfcu Women In Business – GROW Project brochures.
Click here to download.

• Sales Period: 15 March 2024 to 30 November 2024.
• Travel Period: 15 March 2024 to 31 March 2025.
• Valid on Qatar Airways flights from Uganda (EBB), South Africa (JNB, CPT), Botswana (GBE), Malawi (LLW), Angola (LAD) Mozambique (MPM), Seychelles (SEZ), Zambia (LUN), Kenya (NBO, MBA), Tanzania (JRO, DAR, ZNZ), Ethiopia (ETT), Mauritius (MRU), Madagascar (TNR), Senegal (SZN), DRC (FIH), Cote d’Ivoire (ABJ), Nigeria (LOS, ABV), Ghana (ACC, EMS, TKD, TML)
• Registration process, customers are required to visit https://africa.visa.com/ to register for the campaign, they’ll input and submit their details and receive an email with the promo code and a link to qatarairways.com/qrvisa platform to book their flight and pay with Visa. • Purchases can only be made through qatarairways.com/qrvisa by entering a promotional code at the time of booking.
• This discount is only valid for travel originating from Uganda (EBB), South Africa (JNB, CPT), Botswana (GBE), Malawi (LLW), Angola (LAD) Mozambique (MPM), Seychelles (SEZ), Zambia (LUN), Kenya (NBO, MBA), Tanzania (JRO, DAR, ZNZ), Ethiopia (ETT), Mauritius (MRU), Madagascar (TNR), Senegal (SZN), DRC (FIH), Cote d’Ivoire (ABJ), Nigeria (LOS, ABV), Ghana (ACC, EMS, TKD, TML)
• Valid on Qatar Airways operated Valid on Qatar Airways-operated flights for online markets and codeshare or interline partners for offline markets.
• Payment can be made online using a valid VISA credit card or debit card at the time of booking, or for bookings made online and payment made offline at the Qatar Airways office (Locate Us section of the website).
• The promo code is valid on flight bookings originating from South Africa (JNB, CPT), Botswana (GBE), Malawi (LLW), Angola (LAD) Mozambique (MPM), Seychelles (SEZ), Zambia (LUN), Kenya (NBO, MBA), Tanzania (JRO, DAR, ZNZ), Uganda (EBB), Ethiopia (ETT), Mauritius (MRU), Madagascar (TNR), Senegal (SZN), DRC (FIH), Cote d’Ivoire (ABJ), Nigeria (LOS, ABV), Ghana (ACC, EMS, TKD, TML) on the selected Qatar Airways operated destinations.
• Blackouts are applicable. Visa customers can still book on regular market fares that will be available.
• Eligibility is to Visa cardholders for all the categories.
• Discount applies to the base airfare fare only.
• Valid for only return fares. • Discount does not apply to taxes, surcharges and all other standard market surcharges.
• Qatar Airways will not be responsible for any fare differences if customers fail to enter the given promo code at the time of booking.
• Fares displayed will already include the applicable discounts.
• Flights eligible for the discount are clearly signaled with a sales tag beside them.
• Customers who did not receive a discount, cannot be credited retrospectively.
• Qatar Airways will not be responsible for any fare differences if customers fail to enter the given promo code at the time of booking.
• This offer may be used more than once during the offer period.
• Changes and Cancellation: see detailed fare rules at the time of booking.
• Seats are limited and might not be available on all flights; subject to availability in the respective booking class at the time of booking.
• Qatar Airway’s terms and conditions will also apply to your booking and also please refer to the fare rules at the time of booking for changes, cancellations, and no-show conditions.
• Exclusive savings should reflect at the time of booking if applicable.
• Customers who did not receive a discount, cannot be credited retrospectively. Discount may not be applicable if the customer does not make their booking on the dedicated closed user group booking environment provided to VISA.
• The name of the ticket booking should be the same as the name of the card holder on which the purchase is performed.
• Black out dates : Inbound: (From 22 Dec To 30 Dec) // Outbound – (From 01-Jan – 15-Jan)

Discount levels are as follows

• Up to 10% on base fare in Economy Class will apply to booking class: N, Q, T, O (Classic).
• Up to 10% on base fare in Economy Class will apply to booking class: S, V, L, M, K (Convenience).
• Up to 10% on base fare in Business Class will apply to booking class: R (Classic).
• Up to 12% on base fare in Business Class will apply to booking class: I, D (Comfort).
• The following booking classes are excluded from this offer: J, C (Elite); Y, B, H (Comfort)

Customer support:

Please call dfcu Bank customer help line on 0800 222 000 toll-free or utilise this link for all queries, all queries are structured and managed here. Customer can access referral links, FAQs, Contact number, City + Airport office location, Live chats and many more – https://www.qatarairways.com/en/help.html

Privilege Club offer terms & conditions.

• This offer is only applicable main members who join Privilege Club using promocode: PCAFR24.
• Enrolment Period: 1 January 2024 – 31 December 2024.
• Travel Period: 1 January 2024 to 30 June 2025.
• Members who did not quote any of the applicable promocodes at the time of enrolment will not receive the bonus Avios.
• First flight bonus Avios will be credited to the membership account immediately after the first flight with Qatar Airways.
• If the flight date is before the enrollment date then the member will not get the bonus for first flight.
• In case of retro claims, bonus Avios will be awarded if the member’s travel is within the offer period.
• Members need to ensure to quote their Privilege Club number at the time of booking or check-in so the Avios can be credited after the first flight travelled.
• Offer is applicable only for flights operated and marketed by Qatar Airways.
• Travel on Award tickets is not eligible for Bonus Avios.
• Existing Privilege Club members are not entitled to participate in this offer and any duplicate accounts will be cancelled by Privilege Club.
• Other terms and conditions apply. Please refer to the fare rules at the time of booking.

1. What is a personal Unsecured loan?
The dfcu Personal Unsecured loan is a credit facility tailored for salary earners to cater for personal needs and developments with no collateral requirements.

2. Who is eligible for the personal Unsecured loan?
Loan applicants must be employed and receive their salary through dfcu bank. Minimum monthly income thresholds are as below.
i Civil servants: UGX. 200,000
ii Non-Government: UGX. 400,000

3. For what purpose can I use the Personal Unsecured Loan?
Personal Unsecured loans cater to a variety of purposes, including debt consolidation, personal development, home renovations, education expenses, medical bills, and other personal financial needs.

4. How much can I borrow with a Personal Unsecured Loan?
You can borrow Up to Ugx 250m. Loan amounts vary depending on income level, credit history and repayment capacity.

5. What are the interest rates and fees associated with the Personal Unsecured Loan?
Interest rates and fees are affordable but vary depending on the the nature of customer segment. Customers on schemes enjoy preferential interest rates. Other applicable fees include loan application fees, arrangement fees etc. Loan buyouts attract zero arrangement fees.

6. What is the repayment period for the Personal Unsecured Loan?
With dfcu’s personal Unsecured loan, you can enjoy flexible repayment periods of up to 84 months. The applicable repayment period may vary depending on the borrower’s scheme, nature of employment and the loan amount.

7. Can I repay the Personal Unsecured Loan early?
Yes, the bank allows for a cooling off period as well as early repayments without incurring additional fees or penalties.

8. What happens if I miss a payment on my Personal Unsecured Loan?
Delayed loan instalment payments attract penal interest and negatively impact your credit rating at the credit reference bureau

9. What are the requirements for a Personal Unsecured Loan application?
You will need to submit an application form along with supporting documentation including national ID, proof of employment, bank statements for customers previously not banked with dfcu bank, and employment verification documents.