How can we help you?
Grow your wealth with competitive interest rates on savings and fixed deposit accounts.
Explore SavingsFlexible personal, business, and mortgage loans to help you achieve more, faster.
Explore LoansEarn points on every purchase with Sharaf Bank cards and redeem for great rewards.
Explore CardsExplore investment products and treasury solutions built to grow your long-term wealth.
Explore InvestmentsEveryday banking
A zero-minimum-balance transactional account for your daily needs. Access via mobile, ATM, or branch.
Learn More →Buy, build, or renovate your dream home with financing from 9.5% p.a. over up to 20 years.
Learn More →Set a savings goal, commit monthly, and earn competitive interest while you reach your target.
Learn More →Manage your business finances with ease. Multi-signatory, overdraft-eligible, and online accessible.
Learn More →Grow your business with flexible working capital and asset financing solutions tailored for you.
Learn More →A Shariah-compliant savings account that grows your wealth without interest, based on profit-sharing.
Learn More →Own your home through a Murabaha or Ijara structure — fully Shariah-certified and transparent.
Learn More →Stay connected to Somalia from abroad. Send money, invest, and bank from anywhere in the world.
Learn More →Plan ahead
Bank smarter
The Sharaf Bank mobile app puts everything you need right at your fingertips. Send money, pay bills, check balances, apply for loans, and manage all your accounts — anytime, anywhere.
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Stay informed
Starting July 2026, Sharaf Bank diaspora account holders can send money to Somalia with no transfer fees, making it easier to support families back home.
Everything you need to know about the mortgage process, from eligibility to getting your keys.
A practical guide to letters of credit, LPO financing, and invoice discounting for small businesses.
We break down the two main Shariah-compliant structures for financing your home purchase.
Your data is always protected
Extra layer of account security
Real-time fraud detection
Licensed by Central Bank of Somalia
