Contents
1. Types of Card
2. Schedule of Charges
3. Payment Cycle
4. Transaction Limits
5. Customer Support
Banco BNI places at its customers’ disposal three types of card: • Debit Cards
• Prepaid Cards • Credit Cards
BNI’s Visa Electron is an electronic debit card associated with a sight deposit (or current) account.
When a cardholder makes a cash withdrawal from an automatic teller machine (ATM) or a payment from a point-of-sale terminal (POS), this amount is debited to the sight deposit account. This is a national and international debit card which enables the customer to operate his/her account from anywhere around the world.
Schedule of charges
Annual fee: USD 45,00 (Equivalent in AKZ)
Replacement
Validity: USD 25,00 (Equivalent in AKZ)
Lost: USD 25,00 (Equivalent in AKZ)
24 hour urgency: USD 50,00 (Equivalent in AKZ)
Placement on black list: USD 15,00 (Equivalent in AKZ)
Charges per transaction:
Consulting balance on our network: No charge
Consulting balance on other networks: AKZ 100 (Equivalent to USD 1,00)
POS payment on BNI network: No charge
POS payment on Visa Domestic network: 3,00%
POS payment on Visa International network: 3,50%
ATM withdrawal on BNI network: No charge
ATM withdrawal on Visa Domestic network: USD 3,05 (Equivalent in AKZ) ATM withdrawal on Visa International network: 4,00%
The BNI Prepaid card is a rechargeable card under the Visa International network for credit card for operations debited to the card account.
Its format is standardised, thus enabling its use at ATM’s and APT’s through the insertion of a personal secret code (PIN).
Schedule of charges
Anual fee: No charge
Replacement
Validity: No charge
Lost: AKZ Equivalent USD 15.00
Damaged: AKZ Equivalent USD 15.00
Urgency: No charge
Loading (Top-up) commission: 2,50%
Charges per transaction:
Consulting balance on our network: No charge
Consulting balance on other networks: AKZ 100 (Equivalent to USD 1,00)
Issue of statements (original): No charge
Issue of statements (duplicates): AKZ 500,00 (Equivalent to USD 5,00)
Reimbursement of amounts to SD
at bank’s initiative: No charge
Reimbursement of amounts to SD
at customer’s initiative: No charge
POS payment on BNI network: No charge
POS payment on VISA Domestic network: 1,50%
POS payment on VISA International network: 2,00%
ATM withdrawal on BNI network: No charge
ATM withdrawal on VISA Domestic network: AKZ 350 (Equivalent to USD 3,50) ATM withdrawal on VISA International network: 3,50%
The BNI Credit Card is issued under licence from Visa and /or Mastercard and is wholly managed by the Bank. It offers national and international payment functionalities, it is accepted at millions of establishments throughout the world and always works on a credit basis – payments and withdrawals.
It can be used at all APT’s and ATM’s which have the Visa and Mastercard logo in Angola and abroad.
It allows the customer to withdraw cash (cash advance) and to pay for purchases and services, even when there are no funds in the current account. It therefore permits access to a credit line in any part of the world without having to ask the Bank and through the payment of the respective interest.
The Visa Gold Credit Card is granted to a single cardholder, being personal and non-transferrable. It has a validity period of two (2) years, without the automatic issue of a new card, being renewable only upon request for a new one by the customer. Credit limits: 1st scale: USD 5,000.00 2nd scale: USD 10,000.00 3rd scale: USD 15,000.00 Schedule of charges
Annual fee: USD 110.00 (Equivalent in AKZ)
Issue: No charge
Replacement / renewal:
Validity: No charge
Damaged / poor condition: USD 15.00 (Equivalent in AKZ)
Lost: USD 15.00 (Equivalent in AKZ)
Urgent replacement overseas: USD 100.00 (Equivalent in AKZ)
Urgent 24 hour production: USD 50.00 (Equivalent in AKZ)
Placement on the black list: USD 15,00 (equivalent in AKZ)
Duplicate statements: USD 5.00 (Equivalent in AKZ)
Copy of purchase receipt: USD 25.00 (Equivalent in AKZ)
Charges for late payment / default:
- In 1st month: USD 25.00 (Equivalent in AKZ)
- Following months: USD 50.00 (Equivalent in AKZ)
Charges for exceeding credit limit: USD 50.00 (Equivalent in AKZ)
Stamp duty: Rates in force
Withdrawals (cash advance):
BNI ATM networks: No charge
Visa International ATM network: 3,50% + USD 3.00
Visa Domestic ATM network: 3,50% + USD 3.00
At branch: 3,00% + USD 5,50
Payments:
BNI APT network: No charge
Visa International domestic
market APT network: 1,00%
Visa International rest of world APT network: 4,00%
Interest rates:
Interest rate: 25,00% a.a. Arrear interest rate: 4,00% a.a.
Credit limits
1st scale: USD 300 up to USD 1000
2nd scale: USD 1000 up to USD 2000
3rd scale: USD 2000 up to USD 5000
Schedule of charges
Annual fee:
1st cardholder: USD 50,00 (Equivalent in AKZ)
Replacement
Validity: USD 15,00 (Equivalent in AKZ)
Damaged / poor condition: USD 15,00 (Equivalent in AKZ)
Lost: USD 15,00 (Equivalent in AKZ)
Urgent replacement overseas: USD 100,00 (Equivalent in AKZ)
Urgent 24 hour production: USD 50,00
Placement on the black list: USD 15,00
Monthly statement charges: No charge
Duplicate statements: USD 5,00
Copy of purchase receipt: USD 25,00
Charges for late payment/default:
- In 1st month: USD 25.00 (Equivalent in AKZ)
- Following months: USD 20.00 (Equivalent in AKZ)
Charges for exceeding credit limit : USD 8,00
Interest rate: 25,00% a.a.
Withdrawals (Cash Advance):
- BNI ATM networks: 2,50%
- Visa International ATM network: 3,50% + USD 3,00 (Equivalent in AKZ)
- At branch: 3,00% + USD 4,50 (Equivalent in AKZ)
Payment:
- BNI APT network: No charge
- Mastercard Domestic APT network: 1,70% USD
- Mastercard International overseas
APT network: 2,00% of transaction amount
Consultations:
- BNI network: No charge
- Other networks: 1 USD (Equivalent in AKZ)
Credit limits
1st scale: USD 2.000,00
2nd scale: USD 5.000,00
3rd scale: USD 7.500,00
4th scale: USD 10.000,00
5th scale: more than USD 10.000,0
Schedule of charges
Annual fee
1st cardholder: USD 80,00 (Equivalent in AKZ)
Issue commission: No charge
Replacement
Validity: USD 15,00 (Equivalent in AKZ)
Damaged / poor condition: USD 15.00 (Equivalent in AKZ)
Lost: USD 15,00 (Equivalent in AKZ)
Urgent replacement overseas: USD 100.00 (Equivalent in AKZ)
Urgent 24 hour production: USD 50,00 (Equivalent in AKZ)
Placement on the black list: USD 15,00 (Equivalent in AKZ)
Monthly statement charges: No charge
Duplicate statements: USD 5.00
Copy of purchase receipt: USD 25.00
Charges for late payment / default:
- In 1st month: USD 25,00
- Following months: USD 50.00
Charges for exceeding credit limit: USD 25.00
Stamp duty: Rate in force
Interest rate: 27% a.a.
Withdrawals (Cash Advance):
BNI ATM networks: 2,50%
Mastercard ATM network Maestro: 3,50% + USD 3,00
At branch: 3,00% + USD 4,50 (Equivalent in AKZ)
Payment:
BNI Expresso 24 APT network: No charge
Mastercard APT network Domestic Maestro: 1,70%
Mastercard APT network International Maestro: 2,70% of transaction amount
Consultations:
BNI Expresso network: No charge
Other networks: 1,00 USD (Equivalent in AKZ)
The BNI Mastercard Corporate Card was created so that companies can offer their executives the best solution for managing their business travel and entertainment expenses. The buying process becomes simpler, quicker and rational with this card. It is possible to control what is purchased, where and by whom, thereby substituting working capital. It is possible to effect transactions in Angola and abroad with the BNI Corporate Card.
Credit limit:
Minimum limit: AKZ Equivalent to USD 2.500,00 per card account Maximum limit: AKZ Equivalent to USD 15.000,00 per card account * Ceiling granted according to the company’s risk profile.
Schedule of charges:
Annual fee: USD 70,00
Replacement
Validity: USD 15,00 (Equivalent in AKZ)
Damaged/poor condition: USD 15,00 (Equivalent in AKZ)
Lost: USD 15,00 (Equivalent in AKZ)
Urgency: USD 50,00 (Equivalent in AKZ)
Placement on the black list: USD 15,00 (Equivalent in AKZ)
Copy of purchase receipt: USD 25,00 (Equivalent in AKZ)
Withdrawals (Cash Advance):
BNI ATM networks: 2,50%
Mastercard ATM network Maestro: 3,50% + USD 3,00
At branch: 3,00% + USD 4,50 (Equivalent in AKZ)
Payments:
APT at BNI network: No charge
APT at Mastercard Domestic network: 1,70% of transaction amount
APT at Mastercard International network: 2,00% of transaction amount
Charges for exceeding credit limit: USD 25,00
Stamp duty: 0,70%
Consultations:
BNI network: No charge
Other networks: USD 1,00 (Equivalent in AKZ)
Duplicate copies of statements: USD 10,00 (Equivalent in AKZ)
Visa Cards
Statement closing date 20th of each month Statement payment date 10th of following month
Mastercard Cards
Statement closing date 5th of each month Statement payment date 25th of following month
TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL
Visa Gold Mastercard Gold
Visa Electron Mastercard Corporate
TYPE OF PAYMENT NETWORK
TYPE OF PAYMENT NETWORK
TYPE OF PAYMENT NETWORK
BNI ATM BNI ATM BNI ATM BNI POS BNI POS BNI POS VALUE ≤ 4.999.999,99 VALUE ≤ 4.999.999,99 4.999.999,99 4.999.999,99 15.000,00 58.000,00 58.000,00 58.000,00 NO LIMIT NO LIMIT NO LIMIT NO LIMIT 6.000.000,00 6.000.000,00 500.000,00 1.500.000,00 VALUE ≤ 500.000,00 VALUE ≤ 1.500.000,00 500.000,00 1.500.000,00 40.000,00 40.000,00 4.999.999,99 4.999.999,99 VALUE ≤ 4.999.999,99 VALUE ≤ 4.999.999,99 ATM OVERSEAS ATM OVERSEAS ATM OVERSEAS
OTHER NATIONAL BANKS’ ATM
OTHER NATIONAL BANKS’ ATM
OTHER NATIONAL BANKS’ ATM POS OVERSEAS
POS OVERSEAS
POS OVERSEAS
OTHER NATIONAL BANKS’ POS
OTHER NATIONAL BANKS’ POS
OTHER NATIONAL BANKS’ POS
DAILY LIMIT DAILY LIMIT DAILY LIMIT MONTLY LIMIT MONTLY LIMIT MONTLY LIMIT ANNUAL LIMIT ANNUAL LIMIT ANNUAL LIMIT
TYPE OF PAYMENT NETWORK
TYPE OF PAYMENT NETWORK
TYPE OF PAYMENT NETWORK
BNI ATM BNI ATM BNI ATM BNI POS BNI POS BNI POS ATM OVERSEAS ATM OVERSEAS ATM OVERSEAS
OTHER NATIONAL BANKS’ ATM
OTHER NATIONAL BANKS’ ATM
OTHER NATIONAL BANKS’ ATM POS OVERSEAS
POS OVERSEAS
POS OVERSEAS
OTHER NATIONAL BANKS’ POS
OTHER NATIONAL BANKS’ POS
OTHER NATIONAL BANKS’ POS
DAILY LIMIT DAILY LIMIT DAILY LIMIT MONTLY LIMIT MONTLY LIMIT MONTLY LIMIT ANNUAL LIMIT ANNUAL LIMIT ANNUAL LIMIT VALUE ≤ 4.999.999,99 4.999.999,99 15.000,00 58.000,00 6.000.000,00 500.000,00 VALUE ≤ 500.000,00 500.000,00 40.000,00 4.999.999,99 VALUE ≤ 4.999.999,99 VALUE ≤ 4.999.999,99 4.999.999,99 58.000,00 58.000,00 6.000.000,00 1.500.000,00 VALUE ≤ 1.500.000,00 1.500.000,00 40.000,00 4.999.999,99 VALUE ≤ 4.999.999,99 VALUE ≤ 4.999.999,99 4.999.999,99 58.000,00 58.000,00 6.000.000,00 1.500.000,00 VALUE ≤ 1.500.000,00 1.500.000,00 40.000,00 4.999.999,99 VALUE ≤ 4.999.999,99 VALUE ≤ 4.999.999,99 4.999.999,99 58.000,00 58.000,00 6.000.000,00 1.500.000,00 VALUE≤ 1.500.000,00 1.500.000,00 40.000,00 4.999.999,99 VALUE ≤ 4.999.999,99 NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT Os v alor es apr esent
ados são expr
essos em A O A Os v alor es apr esent
ados são expr
essos em A
O
Customer support
BANCO BNI has a call centre open 24hours/day in order to ensure support for the Bank’s customers and non-customers. Contacts: [email protected] • 222632910 • 929090060 • 924068383
