Everyday banking for Ethiopian communities
Your money,
connected.
See your accounts, move money, pay, save, borrow and keep community commitments in one institution-connected Sheba experience.
✓ Accounts first✓ Clear payment status✓ Institution-controlled
9:41● ●
SGood morning
Selam
Selam
Available balance42,680.00 ETBWallet ·•• 4821
Quick actions
↗Send+Pay▣Loans◎Save
Electricity billToday · Completed
-850 ETBHomePaymentsLoansActivity
Designed to reach more people
Digital finance should work for everyone.
Sheba is designed around the realities of everyday access: different languages, varying connectivity, first-time digital users, small merchants and communities beyond major cities.
Low-data by default
Lightweight journeys, clear loading states and essential information kept easy to reach.
More than one channel
App, interoperable QR and assisted-service patterns can work together as the platform grows.
Plain-language guidance
Every important financial step explains what happens next before a customer confirms.
Everyday banking first
Accounts and payments are the foundation.
Sheba is the digital experience layer. Your participating bank, MFI, SACCO or wallet provider remains authoritative for balances, posting, settlement and regulated financial services.
Send money
Move money to people, wallets and supported bank accounts.
Pay bills
Handle utilities, airtime, school fees and recurring payments.
Save your way
Build savings goals and follow your progress clearly.
Equb & Idir
Manage contributions, schedules and community records.
Access loans
Understand options, apply and track repayments in one place.
Trusted marketplace
Shop from verified sellers with protected payment flows.
Institutional clarity
A digital banking experience—not a replacement ledger.
Sheba connects customers to institution-enabled products and channels. It does not claim to hold funds or finalize settlement independently of the participating institution and payment rail.
Who holds your money?
The participating regulated institution shown during onboarding and sign-in. Sheba presents its authoritative account and wallet information.
What is actually available?
Only services enabled for your institution, account, eligibility and location. The authenticated channel shows current availability before you act.
What confirms a payment?
The institution or payment rail’s authoritative result. Sheba preserves the status, fee, references, timestamp and receipt for follow-up.
Can institutions keep their core?
Yes. Sheba is designed for configurable adapters to SelamNow, iMAL, Temenos, Flexcube and other approved core systems.
Before launch with an institutionSheba publishes the operator, participating institution, service area, available rails, customer-funds disclosure, approved legal terms and regulatory information. Partner names and logos appear only with authorization.
Trusted commerce
Discover the Sheba marketplace
Browse product categories and trusted providers. Continue securely to check current availability, payment options, and delivery details.
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Confidence built in
Your money deserves clarity.
Sheba shows the recipient, amount, source, fees and purpose before every financial confirmation. Important actions are protected and receipts stay available in your activity history.
- Review and correct before payment
- Clear status for every transaction
- Secure account and device controls
- Receipts with references and dates
✓
Payment receipt
1,250.00 ETB- Paid to
- Addis Power
- Amount + fee
- 1,230 + 20 ETB
- Payment rail
- Institution rail
- Sheba reference
- SHB-284019
- Provider reference
- Available in Activity
- Status
- Completed
Responsible finance by design
Clarity is part of the product.
International financial experiences earn trust by making cost, consent, privacy and support visible—not by hiding them in fine print.
Transparent cost
Show amount, fee, total, due date and payment source before confirmation.
Meaningful consent
Explain why data is needed and never make sensitive information a condition of public browsing.
Fraud awareness
Sheba will never ask for a PIN, OTP or password through this public website.
Accessible redress
Provide a clear support path, reference and status when something goes wrong.
Security center
Pause. Check. Protect.
Before acting on a message or payment request, verify the recipient and use an authenticated Sheba channel.
Simple from the start
How Sheba works
Choose your institution
Enter through an approved Sheba deployment and see who provides each regulated service.
Verify and connect
Complete the institution’s identity checks and connect eligible accounts and services.
Review, settle, retain
Check amount, fee and recipient; then track authoritative status and keep the receipt.
Learn before you act
Financial choices, explained simply.
Customers should understand fees, repayment dates, transaction status and dispute options. Sheba uses short explanations and review steps to build confidence over time.
Customer support
Tell us how we can help.
Start a support request here. For account-specific investigation, Sheba will ask you to continue securely inside the authenticated app.
What happens next1. Review exactly what will be submitted2. Receive a reference after successful submission3. Continue securely in the app when account access is required
Help when it matters
Common questions
Clear answers reduce uncertainty and help customers use digital financial services confidently.
What can I do with Sheba?
Sheba brings lending, payments, savings, community services and marketplace discovery into one connected experience. Sign in to see the services currently available to your account.
How does Sheba protect a payment?
Before a payment is confirmed, Sheba shows the recipient, amount, payment source and applicable fee, followed by a reference and receipt.
Can I use Sheba in my preferred language?
The current public site is available in English. Amharic and Tigrinya must not be advertised as available until approved translations cover every important flow.
What happens when connectivity is weak?
Essential journeys are designed to be lightweight and to communicate loading, pending and retry states clearly. Assisted and alternative channels can complement the app.
One app. More possibilities.
Get Sheba.
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