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CAC International Bank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CAC International Bank suits people in Djibouti who want everyday spending and borrowing from a single local bank. The personal account carries a monthly fee of DJF 0, and the same provider issues both a debit card and a credit card, so the real choice is how you pay rather than where you bank.

Key facts

Best for
A local account in Djibouti with a debit card, a credit card and a monthly fee of DJF 0.
Monthly fee
DJF 0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Headquarters
Djibouti (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
cacintbank.com

Credit cards

Card kind
Credit (Source, checked September 26, 2026)
Headquarters
Djibouti (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXfacebook.comyoutube.com

Pros and cons

Pros

  • Monthly fee of DJF 0 on the personal account, in line with the site median of €0
  • Debit card that draws straight on the bank balance, so everyday spending needs no borrowing
  • Credit card from the same bank, so spending and borrowing sit with one provider
  • Support runs on email and phone, covering both phone and email

Cons

  • Support runs on email and phone only, so live chat and a help centre are not among its support channels
  • Card payments run on the mastercard network, used by 34.6% of debit cards, short of Visa at 59.8%
CAC International Bank

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • People living and banking in Djibouti who want a single bank for spending and borrowing
  • Anyone who would rather debit the balance than carry a card balance
  • Customers who already hold an account and want its cards in the same place

Who should look elsewhere

  • Wise, for people who spend across several markets and want a low conversion cost on foreign purchases
  • Varo Believe Secured Credit Card, for anyone building a credit record with a secured card rather than a local debit account
  • Chime Card (Secured Visa Credit Card), for borrowers who want a Visa card with a secured credit line

Who runs it

CAC International Bank is based in Djibouti and has been running since 2009. It issues both a debit card and a credit card, so customers can hold everyday spending and borrowing with the same provider. People who can reach the bank directly, on email and phone, will find that the two sides of the account sit together rather than across separate providers.

How CAC International Bank compares

Where CAC International Bank is available

Available
Djibouti
Licence in Djibouti
Central Bank of Djibouti, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the monthly fee on the personal account?+

The personal account carries a monthly fee of DJF 0, which sits at the site median of €0. Cards elsewhere on the site charge anywhere from that median up to €99, so this is among the cheaper accounts to hold.

Does CAC International Bank offer both a debit card and a credit card?+

Yes on both counts: the bank's card type is debit and its card kind is credit, so everyday spending draws on the balance while borrowing sits on a separate card. Both come from the same provider, based in Djibouti.

Which card network do the cards run on?+

Cards run on the mastercard network. Across the site's debit cards, 34.6% sit on Mastercard and 59.8% on Visa, so a Mastercard card is close to the most common choice here without matching Visa's reach.

How do I get help from the bank?+

Support runs on email and phone, so phone and email are the routes offered. A help centre appears for 75.6% of the brands on the site and live chat for 35.1%, and neither route is among the channels listed for this bank.

Who regulates CAC International Bank?+

The Central Bank of Djibouti supervises the bank, which is based in Djibouti and has run since 2009. Its listed details name no deposit protection scheme, so ask the bank directly what cover applies to a balance and what that cover includes.

What does spending abroad cost with this card?+

Conversion fees across the site reach 10.5% at the top end and sit at a median of 1%. The bank is based in Djibouti and issues a debit card on the mastercard network, so acceptance is broad but the conversion rate decides what a foreign purchase really costs.

Who does this bank suit?+

It suits people banking in DJ who want everyday spending and borrowing from the same provider, with a monthly fee of DJF 0. For frequent travel or multi-currency spending, an account built for that, such as Wise, is a closer fit.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Related by the facts

CAC International Bank

CAC International Bank

A local account in Djibouti with a debit card, a credit card and a monthly fee of DJF 0.

8.9/10See alternatives