Account Settings
Manage your profile and account preferences
Danger Zone
Permanently delete your account and all associated data. This cannot be undone.
My Credit Score
Full breakdown of what affects your score
Score Factors
📱Telebirr Payments
On-time mobile money payments are your strongest factor.
💰Savings History
Regular deposits to Sheba Save boost your score significantly.
💡Utility Payments
EEPCO and water bill payments tracked via open banking.
🎓Financial Literacy
Complete more Learn & Earn modules to improve this.
🔗Open Banking
2 banks connected. Add more to increase your score.
Loan Offers
Pre-approved offers based on your Sheba Credit score of 782
✅
You qualify for 3 loan products
Your Excellent score unlocks the best rates available
BEST OFFER
Personal Loan
ETB 45,000
Interest Rate
12.5%
per annum
Monthly Payment
ETB 2,140
estimated
Processing
24hrs
after approval
Business Micro-Loan
ETB 20,000
Interest Rate
14.0%
per annum
Monthly Payment
ETB 1,800
estimated
Processing
48hrs
after approval
Education Loan
ETB 15,000
Interest Rate
10.0%
per annum
Monthly Payment
ETB 480
estimated
Processing
72hrs
after approval
Sheba Save
Your savings account — every deposit improves your credit score
Total Saved
ETB 8,160
+ETB 680 this month
Interest Rate
7.5%
per annum
Score Boost
+84
points from saving
Transaction History
💰
Telebirr deposit
Mar 1, 2026
+ETB 680
💰
Telebirr deposit
Feb 1, 2026
+ETB 500
💰
Telebirr deposit
Jan 1, 2026
+ETB 500
💰
Telebirr deposit
Dec 1, 2025
+ETB 1,000
💰
Opening deposit
Sep 1, 2025
+ETB 2,000
Learn & Earn
Complete modules to earn points and boost your credit score
Education Points
2,840
+120 this week
Modules Completed
7 / 18
11 remaining
✅Understanding Credit Scores
Learn how credit scores are calculated
✅Mobile Banking Basics
Using Telebirr and CBE Birr safely
📖Budgeting Fundamentals
Track income and expenses effectively
In Progress
+150 pts
🔒Loan & Debt Management
How to borrow responsibly
🔒Investment Basics
Introduction to Ethiopian investment options
🔒Open Banking Explained
How open banking works in Ethiopia
Open Banking
Connect your bank accounts to unlock your full credit score. Read-only — we can never move your money.
🔒
Read-only access — your money is always safe
We can only view transactions. We cannot move, access, or control your funds.
Connected Banks
🏦
Commercial Bank of Ethiopia
Connected March 1, 2026 · Account ending 4821
📱
Telebirr
Connected Feb 15, 2026 · +251 91 234 5678
Add a Bank