Banque Centrale des Etats de l'Afrique de l'Ouest

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2026-10-08Instruction No. 020 Amending Instruction No. 008-05-2015 on Electronic Money Issuers in UMOA Member States
2026-10-02Notice No. 0019 relating to electronic money transactions between natural persons via the Interoperable Instant Payment System Platform (PI-SPI) of the West African Economic and Monetary Union (WAEMU)
2026-03-24BCEAO Advisory No. 002-03-2026 on Automated Financial Statement Reporting for Credit Institutions and Financial Companies
2025-12-31UMOA Governor Notice 007-12-2025 on Fixing the Usury Rate for Credit and Microfinance Institutions in Member States
2025-12-29Decision No. 19 of December 29, 2025 Fixing the Usury Rate in UMOA Member States
2025-08-01Instruction No. 01 07 2025 RFE on the Execution of Foreign Transactions with Non-Residents
2025-08-01Instruction No. 08 07 2025 RFE on Foreign Exchange Repurchase Operations by Sub-Delegates
2025-08-01Instruction No. 09-07-2025 RFE on Opening Conditions and Operational Modalities for Non-Resident Foreign Accounts
2025-08-01Instruction No. 10 07 2025 RFE on Domiciliation of Direct and Portfolio Investment Operations
2025-08-01Instruction No. 03-07-2025 RFE on the Establishment and Settlement of Export Domiciliation Files for Goods and Services
2025-08-01BCEAO Instruction No. 12-07-2025 on Holdings with Banking Correspondents Outside the UEMOA for Current Needs
2025-08-01Instruction No. 06 07 2025 RFE on Foreign Currency Allowances for Resident and Non-Resident Travelers
2025-08-01Instruction No. 14 07 2025 REF on Import and Export Conditions for Authorized Intermediaries
2025-08-01Instruction No. 02-07-2025 RFE on the Domiciliation and Settlement of Goods and Services Imports
2025-08-01BCEAO Instruction No 07 07 2025 RFE on Operating Conditions for Manual Exchange Dealers
2025-08-01Instruction No. 05 07 2025 on Exchange Rate and Price Risk Coverage by Residents for Commercial Operations
2025-08-01BCEAO Instruction 11-07-2025 RFE on Prior Authorization for Non-Resident Entities Making Public Offerings in UEMOA
2025-08-01Instruction No. 15-07-2025 RFE on Periodic Reporting Procedures for Regulatory Authorities
2025-08-01Instruction No. 04/07/2025 RFE on International Trade in Goods
2025-08-01Instruction No. 13 on the List of Documents Required for Authorized Intermediaries to Execute Operations
2025-05-30BCEAO Advisory No. 006-05-2025 on the Transitional Compliance Period for Payment Services in the UMOA
2025-04-03BCEAO Advisory No. 005-04-2025 on Lifting Temporary Accounting and Prudential Measures for Niger Government Bond Exposures
2025-04-01BCEAO Advisory No. 004-03-2025 on the End of the Transitional Period for Payment Services Compliance in UMOA
2025-04-01BCEAO Instruction 002-03-2025 Setting the Threshold for Intra-Community Physical Transport Declarations of Cash and Bearer Negotiable Instruments
2025-04-01BCEAO Instruction 001-03-2025 on Financial Institutions' AML, CFT and Proliferation Financing Compliance
2025-04-01BCEAO Instruction 003-03-2025 on Customer Identification, Identity Verification and Due Diligence by Financial Institutions
2025-02-05UMOA Uniform Law on Combating Money Laundering, Terrorist Financing and Proliferation of Weapons of Mass Destruction
2024-09-26BCEAO Notice No. 003-09-2024 Extending the Transitional Compliance Period for Payment Services in UMOA
2024-07-31BCEAO Instruction No. 233/07/2024 Setting the Threshold for Cash or Bearer Instrument Debt Payments
2024-07-31BCEAO Instruction 231/07/2024 Setting the Threshold for Declaring International Physical Transport of Cash and Bearer Negotiable Instruments
2024-07-08Decision No. 003 of March 28, 2024 Fixing Complementary Thresholds for Implementing the UMOA Uniform Anti-Money Laundering, Terrorist Financing and Proliferation Law
2024-02-22BCEAO Guidelines on Declaration Procedures for New Mandates by Banking Operations Intermediaries
2024-02-01BCEAO Sets Minimum Social Capital for Banks and Credit Financial Institutions in UMOA
2024-02-01BCEAO Temporary Exclusion of UMOA Public Securities from Prudential Loan Norms for Shareholders, Executives, Staff and Auditors
2024-01-31UMOA Council of Ministers Decision No. 021 Setting Threshold Amounts for Implementing the Uniform Anti-Money Laundering and Counter-Terrorist Financing Law
2024-01-31BCEAO Instruction 001-01-2024 on Payment Services in the West African Monetary Union
2024-01-22BCEAO Advisory No. 002-01-2024 on the Accounting and Prudential Treatment of Exposures to Niger State Public Bonds
2023-02-08BCEAO Reinstates Variable-Rate Auctions on Weekly and Monthly Tender Windows
2022-03-14BCEAO 2022 Renewal of Refinancing Facilities for Relance and Support and Resilience Bonds Issued by UEMOA Member States
2021-08-12Notice No. 003-08-2021 on the Opening of a Special Twelve-Month Refinancing Window for Support and Resilience Bonds Issued by UEMOA Member States
2021-03-29BCEAO Instruction No. 001-03-2021 on Supervision of Financial Market Infrastructures, Payment Means and Services
2021-02-04Notice No. 001-01-2021 on Payment Terms for Goods Purchased for Non-UEMOA Countries
2021-02-01Refinancing of Recovery Bonds Issued by UEMOA Member States
2020-10-15BCEAO Notice No. 011-10-2020 on Extending the Loan Payment Deferral Period for Credit Institutions Affected by COVID-19
2020-08-13BCEAO Advisory No. 010-08-2020 on the Modification of the Prudential Framework for Credit Institutions and Financial Companies in UMOA
2020-05-04BCEAO Provisions for Promoting Electronic Payments Extended Amid COVID-19
2020-04-30BCEAO Advisory No. 007-04-2020 on Access of B-Listed Private Claims to Central Bank Refinancing
2020-04-28Notice No. 008-04-2020 on Measures for Microfinance Institutions Affected by the COVID-19 Pandemic
2020-04-22Notice N° 006-04-2020 on the Issuance of 'COVID-19 Bonds' by Member States and their Refinancing via a Special BCEAO Window
2020-04-02BCEAO Measures to Promote Electronic Payments Amid COVID-19
2020-04-02BCEAO Advisory No. 005-04-2020 on Deferral of Credit Institution Claims Affected by the COVID-19 Pandemic
2020-04-02Notice No. 003-03-2020 Regarding Auctions Under Measures Taken by BCEAO on March 21, 2020
2020-03-26BCEAO Opinion No. 001-03-2020 on Revised Implementation Modalities for Classification Agreements for Non-Financial Enterprises
2020-02-18Instruction No. 005-12-2019 on the Procedures for Establishing Mandatory Reserves at the West African Central Bank
2020-02-18BCEAO Instruction No. 004-12-2019 on Monetary Policy Intervention Procedures
2019-08-27Instruction No. 003-07-2019 on the Recognition of External Credit Assessment Institutions for Prudential Purposes
2018-05-16BCEAO Instruction 007-2018 on Monetary Sanctions for Decentralized Financial Systems
2018-05-16BCEAO Instruction 006-05-2018 on Monetary Sanctions for UMOA Credit Institutions
2018-05-02BCEAO Instruction No. 005-05-2018 on Technical Characteristics of Islamic Finance Operations by Decentralized Financial Systems
2018-05-02Instruction No. 004-05-2018 on the Technical Characteristics of Islamic Finance Operations Carried Out by Credit Institutions in the West African Monetary Union (WAMU)
2018-03-21BCEAO Instruction 002-03-2018 on Particular Provisions for Credit Institutions Exercising Islamic Finance Activities
2018-03-21BCEAO Instruction No. 003-03-2018 on Particular Provisions for Decentralized Financial Systems Engaging in Islamic Finance
2017-09-25BCEAO Instruction 007-09-2017 on Financial Institutions' Application of the UEMOA Anti-Money Laundering and Counter-Terrorist Financing Law
2017-09-25BCEAO Instruction 006-09/2017 on Refinancing Admissibility Rules for Credit Institutions' Claims on SMEs under the Regional Financing Support Scheme
2017-09-25Instruction No. 008-09-2017 Setting the Threshold for Declaring Physical Cross-Border Transport of Cash and Bearer Negotiable Instruments
2017-09-25BCEAO Instruction No. 009-09-2017 Setting the Threshold for Cash or Bearer Instrument Payments
2017-09-25Instruction No. 010-09-2017 Setting the Threshold for Cash Transaction Declarations to the National Financial Intelligence Unit
2017-01-17BCEAO Instruction No. 001-01-2017 on Prior Authorization for Modifications to Legal Form, Corporate Name, and Share Capital Structure of Decentralized Financial Systems in UMOA
2017-01-17BCEAO Instruction No. 002-01-2017 on Processing Individual Nationality Waivers for Decentralized Financial System Executives
2016-11-15BCEAO Instruction No. 033-11-2016 on Consolidated Financial Statements
2016-11-15BCEAO Instruction No. 035-11-2016 on the Preparation and Publication of Individual and Consolidated Financial Statements
2016-11-15Instruction No. 23-11-2016 on the Initial Application Procedures for the UMOA Revised Banking Chart of Accounts
2016-11-15BCEAO Instruction 029-11-2016 on Accounting and Valuation of Securities Held by Credit Institutions
2016-11-15BCEAO Instruction No. 024-11-2016 on Attribute Definitions
2016-11-15Instruction No. 027-11-2016 on the Accounting Treatment of Various Lease Contracts
2016-11-15Decision No. 357-11-2016 Instituting the Revised UMOA Banking Accounting Plan
2016-11-15Instruction No. 026-11-2016 on Accounting and Valuation of Non-Performing Commitments
2016-11-15Instruction No. 034-11-2016 on the Accounting Treatment of Third-Party Operations
2016-11-15BCEAO Instruction No. 030-11-2016 on the Accounting Treatment of Asset Transfers
2016-11-15Decision No. 357-11-2016 establishing the Revised Banking Chart of Accounts of the UMOA
2016-11-15Instruction No. 031-11-2016 on the Accounting of Syndicated Operations
2016-11-15Annex to Decision No 357-11-2016 Establishing the UMOA Revised Banking Accounting Plan
2016-11-15BCEAO Instruction 032-11-2016 on the Accounting Treatment of Collection Operations
2016-11-15Instruction No. 028-11-2016 on Accounting for Received Commissions and Marginal Transaction Costs
2016-11-15BCEAO Instruction No. 025-11-2016 on the Accounting Treatment of Foreign Currency and Similar Asset Operations
2016-11-01Instruction No. 22-11-2016 on the Declaration Procedures for Credit Institutions' Summary Documents to the BCEAO
2016-06-24Prudential Framework for Credit Institutions and Financial Companies of the West African Monetary Union
2016-06-24Decision No. 014/24/06/2016 on Consolidated Supervision of Parent Credit Institutions and Financial Companies in the UMOA
2016-06-24Prudential Framework Applicable to Credit Institutions and Financial Companies in the West African Monetary Union
2016-06-09Instruction No. 003-06-2016 on Control and Compliance Audit Procedures for Credit Information Bureaux
2016-06-09Instruction No. 006-06-2016 Setting the Annual Levy on Net Profits of Credit Information Bureaus for Special Reserve Formation
2016-06-09BCEAO Instruction No. 005-06-2016 Setting Monetary Sanctions for Credit Information Bureaux
2016-06-04BCEAO Instruction No. 004-06-2016 on Provisional Administration of Credit Information Bureaus
2015-12-30BCEAO Instruction No. 015-12-2015 on Database and Electronic Backup Transfer for Credit Information Bureaux
2015-12-30BCEAO Instruction 014-12-2015 on Annual Account Reporting by Credit Information Bureaux
2015-11-10BCEAO Instruction No. 013-11-2015 Regulating Rapid Money Transfer Sub-Agent Activities in UEMOA
2015-09-29Decision No. 31 of September 29, 2015 on the Compensation and Settlement of Monetary Operations in the West African Monetary Union
2015-09-11Instruction No. 011-09-2015 on Treasury Bond and Obligation Auction Procedures with UMOA-Titres Support
2015-09-11BCEAO Instruction No. 012-09-2015 to Account-Keeping Intermediaries on the Registration and Circulation of Treasury Bonds and Obligations Issued via Auction with the Assistance of UMOA-Titres Agency
2015-07-02UEMOA Council of Ministers Directive No. 02/2015 on Combating Money Laundering and Terrorist Financing
2015-07-02UEMOA Council of Ministers Directive No. 02/2015 on Combating Money Laundering and Terrorist Financing
2015-07-02Decision No. 26 of July 2, 2015 Adopting the Uniform Law on Combating Money Laundering and Terrorist Financing in UMOA Member States
2015-07-02Uniform Law on Combating Money Laundering and Terrorist Financing in UMOA Member States
2015-06-15Instruction No. 010-06-2015 of June 15, 2015 on the Business Continuity Plan for Credit Information Bureaus
2015-06-15Instruction No. 009-06-2015 of June 15, 2015 on the IT Security Devices of Credit Information Bureaus
2015-06-09Instruction No. 002-06-2016 of June 9, 2016 on the Implementation Modalities for an Internal Control System by Credit Information Bureaus
2015-06-01Notice No. 002-06-2015 on the Procedures for Processing Advance Financing of Merchandise Exports
2015-05-08Instruction No. 005-05-2015 of May 8, 2015 Setting the Modalities for Transmitting Credit Information to Credit Information Bureaus
2015-05-08Instruction No. 007-05-2015 of May 8, 2015 on the Procedures for Receiving and Processing Client Complaints by Credit Information Bureaus
2015-05-08Instruction No. 006-05-2015 of May 8, 2015 on the Approval of Tariff Schedules for Credit Information Bureaus
2015-05-08Instruction No. 008-05-2015 Governing the Conditions and Modalities for the Exercise of Electronic Money Issuer Activities in the Member States of the West African Monetary Union (UMOA)
2015-01-13Instruction No. 001-01-2015 Establishing the List of Documents and Information Constituting the Credit Bureau Approval Application File
2015-01-13Instruction No. 002-01-2015 on Procedures for Obtaining Client Consent by Data Providers to Credit Information Bureaus within the UMOA Credit Information Sharing System
2014-09-24Decision No. CM/UMOA/016/09/2014 Fixing the Remuneration Conditions for Regulated Savings Products in the West African Monetary Union (UMOA)
2014-03-21Decision No. 088-03-2014 Establishing the Deposit Guarantee Fund in UMOA
2012-12-14Decision No. CM/UMOA/020/12/2012 Adopting the Uniform Law Project on Disputes Concerning Infractions to the Regulation of External Financial Relations and Two Application Decrees
2012-12-14Decision No. CM/UMOA/020/12/12 Adopting the Uniform Bill on Litigation of Offenses to External Financial Relations Regulation and Two Draft Implementing Decrees
2012-12-14Decision No. CM/UMOA/020/12/2012 Adopting the Uniform Bill on the Litigation of Offences to the Regulation of External Financial Relations of UMOA Member States and Two Draft Application Decrees
2012-12-14Decision No. CM/UMOA/021/12/2012 Adopting the Uniform Draft Decree on Authorizing Banking-Character Financial Institutions to Receive Public Funds Deposits
2011-12-01Uniform Law on the Repression of Offences Concerning Cheques, Bank Cards and Other Electronic Payment Instruments and Procedures
2011-12-01Regulation on the External Financial Relations of UEMOA Member States and Implementing Texts
2011-03-18Instruction No. 003/03/2011 on the Transmission of Information Related to Banking Conditions in WAEMU
2011-03-18Instruction No. 002/03/2011 on the Procedures for Establishing Mandatory Reserves with the Central Bank of West African States (BCEAO)
2011-03-18Instruction No. 001/03/2011 on the Operational Modalities of the Central Bank of West African States (BCEAO) in the Framework of Monetary Policy Conduct
2011-03-18Instruction No. 004/03/2011 on the Organization of the Secondary Market for Bills of the Central Bank of West African States
2011-03-18Instruction No. 005/03/2011 on the Reporting of Autonomous Factors of Banking Liquidity by UMOA Credit Institutions
2011-03-02Decision No. 061-03-2011 on the Eligibility Criteria for Bank Loans Granted to Decentralized Financial Systems in Support of BCEAO Refinancing
2010-12-29Law Regulating Decentralized Financial Systems of the UMOA
2010-12-06Decision No. 397/12/2010 on the Rules, Instruments and Procedures for Implementing the Monetary and Credit Policy of the Central Bank of West African States
2010-12-03Framework Law on Banking Regulation
2010-12-02Application Texts of the Law on Banking Regulation
2010-10-01Guide for the Issuance of a Manual Foreign Exchange License
2010-07-26Instruction No. 009-07-RSP-2010 of July 26, 2010 on the UEMOA Payment Incident Centralization and Dissemination System
2010-05-10Opinion No. 001-05-2010 on the Term of Office of Statutory Auditors of Credit Institutions in the UMOA
2010-04-30Instruction No. 003-04-2010 on Procedures for Revoking Approval of Credit Sales Financial Institutions
2010-04-10Instruction No. 002-04-2010 on the Designation of Two Statutory Auditors by Banking Financial Institutions
2007-11-02Notice No. 01/2007/RB of November 2, 2007 to Banks and Financial Institutions Regarding the Increase in Minimum Share Capital of Credit Institutions of the West African Monetary Union (UMOA)
2007-07-04Directive No. 04/2007/CM/UEMOA on Combating Terrorism Financing in the Member States of UEMOA
2007-07-02Instruction No. 01/2007/RB on the Fight Against Money Laundering within Financial Institutions
2007-04-30Instruction No. 141-04-07 on the Accreditation Procedure for Qualification Bodies and the Evaluation and Qualification Procedure for Electronic Certification Service Providers in UEMOA Payment Systems
2006-07-31Compilation of Legislative and Regulatory Texts Applicable to Decentralized Financial Systems in the West African Monetary Union (UMOA)
2005-09-01Anti-Money Laundering and Counter-Terrorist Financing Framework in the West African Economic and Monetary Union (UEMOA)
2003-05-08Instruction of May 8, 2003 on the Promotion of Book Payment Means and the Determination of Interest Rates Payable in Case of Default
2002-09-19Regulation No. 15/2002/CM/UEMOA on Payment Systems in the Member States of UEMOA
2002-09-19UEMOA Directive 07/2002 on Combating Money Laundering in Member States
2002-09-19Directive No. 08-2002-CM-UEMOA on Measures to Promote Bankization and the Use of Written Payment Instruments
1999-01-01Single Authorization of Banks and Financial Institutions
1979-04-23Instruction to Banks and Financial Institutions Regarding Risk Centralization