cash log

ISCO delivers a comprehensive cash management solution to the financial institutions and clients in Rwanda. Cash Services are best suited for the financial and retail sector looking for a “Hassle-Free” solution that help banks and other retail customers to reduce risks pertaining to cash management and focus on their core business.


These are the main components under the Cash Services:

Cash in Transit

ISCO Cash in Transit Department collects and delivers sealed containers of cash and/or valuables from a dedicated collection point and delivers to a dedicated delivery point within the borders of Rwanda on behalf of financial institutions and clients. The valuables and cash are transported in bulletproof CIT vehicles equipped with 360° surround surveillance and crafted according to international ballistics standards. This allows to meet the custom requirements of personal security agencies, Cash centres & bank. Other notable benefits:

Faster turnaround time of cash: ISCO has highly trained staff that receive, processes, and deliver cash within 24-hour turnaround time.

Saves you from regulator penalties from non-compliance of strict CIT regulation Heavy fines, back taxes, interest, and other financial penalties are levied if a company fails to fulfil compliance requirements. ISCO adheres strictly to set laws and is ISO certified to provide such services diligently.

Reduced staff cost: This service is labour intensive and requires large staff who come with a hefty burden to manage their quality, skills, equipment, risks and welfare. ISCO shoulders this burden for you.

Lowered Insurance premiums: ISCO carries the insurance burden you would incur if you handled cash yourself and offers both processing and security for the cash.

Reduction in Capex investment

Cash Processing Service

With a state-of-the-art Cash Processing Center (CPC) offering a massive processing capacity of over one million bank notes per day, ISCO makes tremendous input to the finance world. This center verifies, detail counts, sorts and packs received cash into ATM fit notes (new notes), notes fit for redistribution into branch network and notes to return to the Central bank as unfit. CPC balances all cash holdings with clients daily as each client has a separate ledger account within the CPC.

The CPC has capacity to offer bulk cash processing services to large retail clients outside the banking chain relieving the burden on banks for accepting and processing large cash deposits. Under the cash processing service, ISCO avails Mobile tellers to collect cash and checks at Banks’ client premises on behalf of the banks. Other notable benefits:
• Reduced cash holding level through the branch network

• Faster turnaround time of cash:

• Avoid penalties for improper deposits rejected by BNR: The client would not worry about fines from unsuitable deposits of cash that are rejected by BNR.

• Reduced staff cost: ISCO recruits, trains, hires and manages staff for this job so you don’t have to deal with the risks and costs accompanying it.

• Lowered Insurance premiums by leveraging those incurred by ISCO.

• Reduction in Capex investment: Cash processing requires high-grade machinery with expensive maintenance and costly skilled operators.

Vault Service

Offers storing of Valuables, but also cash that has been processed in the Cash Processing Center (CPC) in a secure vault. With our complete Cash Vault Services, financial institutions can process cash more quickly, securely, and efficiently.


The Vaulting service allows financial institutions and clients to reduce risk, lower fixed costs, and Capex investment, and operate more efficiently. Clients can comfortably focus on their core business.

ATM loading services

The Cash Loading Service is best suited for high traffic financial institutions looking for that “Hassle-Free” ATM solution. Loading of ATMs is done in a safe and secure manner by an experienced team, under tight security surveillance and ensure the ATM uptime rate is maximized. With our Vaulting facility open 7 days a week, ATMs managed by ISCO do not run out of cash. Our ATM client can sit back and relax, while ISCO works to generate more income from the ATM.

Our customers gain other benefits/burden free such as: • Reduced cash holding level through the bank’s branch network

• ATM Cash Forecasting to ensure your ATM is stocked 24/7: ISCO can forecast when

the ATMs will run dry and ensure that there will be a re-stock as soon as possible so that there are no delays in services and for clients to acquire their money on demand.

• Timely intervention: The amount of time the ISCO team spends intervening at an ATM site is very minimal – The client will never know there was ever an issue. ISCO believes in fast and quality services through speed.

• Efficient service support: ISCO is always available 24/7 for ATM loading and will attend to any issues an ATM would have. ISCO ATM loading team is fast and always on standby in case of any issue whatsoever.

• No physical cash loss burden, ISCO being primarily a security company.

• No cash jams due to quality of notes loaded for ATMs: ISCO ensures that all the physical money that is loaded into the ATM is new and of high quality.

• Reduced staff cost

• Lowered Insurance premiums

• Reduction in Capex investment

• And overall increased ATM uptime rate

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