The launch of the honor credit has raised several questions, notably among the Tunisian Post customers who hold a postal account. Can they also benefit from this financing mechanism? The accounting specialist Amine Ben Gamra provides clarifications on the access conditions to this scheme.
A postal account is not enough
According to Amine Ben Gamra, merely holding a postal account does not, by itself, currently entitle one to honor credit.
The expert explains that this mechanism is intended for bank clients and requires, in its current configuration, the possession of a bank account with a bank involved in the scheme.
Thus, a person who only has a postal account with the Tunisian Post cannot submit an application for honor credit based on that account.
Why isn’t the Tunisian Post involved?
Amine Ben Gamra recalls that honor credit is governed, according to his interpretation, by Decree No. 148 of 2026 and the Central Bank Circular No. 8 of 2026.
He specifies that the scheme concerns banks, while the Tunisian Post does not have bank status. Therefore, under the current framework of this measure, it cannot offer this type of credit to its clients holding a postal account.
And for those who have both a postal account and a bank account?
The situation is different for a citizen who holds both a postal account and a bank account.
In this case, it is the bank account that forms the basis of the application to the bank in question. By contrast, merely owning a postal account does not grant access to the scheme.
Up to 25,000 dinars in financing
The accounting specialist also notes that honor credit rests on a principle of trust, with no guarantees, no interest, and no processing fees for the file.
Amounts can reach:
- 5,000 dinars for individuals;
- 10,000 dinars for small projects;
- 25,000 dinars for small and medium-sized enterprises as well as community associations.
The repayment period can extend up to two years, with a grace period of up to six months, according to the details provided by the expert.
The postal bank project could change the situation
Amine Ben Gamra also mentions the project to create a postal bank, which could, in the long term, alter the situation for postal account holders.
If this project comes to fruition and if future texts provide for it, accounts opened with a postal bank could potentially allow the affected clients to access this type of financing mechanism.
In summary, according to the explanations of Amine Ben Gamra, a Tunisian Post client who only has a postal account cannot currently benefit from honor credit. Owning a bank account with a bank involved in the scheme remains necessary.
