Card User’s Guide
1
Contents
1. Types of Card
2. Schedule of Charges
3. Payment Cycle
4. Transaction Limits
5. Customer Support
Cards Manual
2
TYPES OF CARD
Banco BNI places at its customers’ disposal three types of card:
• Debit Cards
• Prepaid Cards
• Credit Cards
Cards Manual
3
CARTÃO DE DÉBITO VISA ELECTRON
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:
Lost:
24 hour urgency:
Placement on black list:
USD 25,00 (Equivalent in AKZ)
USD 25,00 (Equivalent in AKZ)
USD 50,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
Charges per transaction:
Consulting balance on our network:
No charge
Consulting balance on other networks:
No charge
POS payment on BNI network:
No charge
POS payment on Visa Domestic network:
7,00%
POS payment on Visa International network: 7,00%
ATM withdrawal on BNI network:
No charge
ATM withdrawal on Visa Domestic network:
7,00%
ATM withdrawal on Visa International network: 7,00%
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
4
PREPAID VISA CARD
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:
Lost:
Damaged:
Urgency:
Loading (Top-up) commission:
No charge
AKZ Equivalent USD 15.00
AKZ Equivalent USD 15.00
No charge
2,50%
Charges per transaction:
Consulting balance on our network:
No charge
Consulting balance on other networks:
No charge
Issue of statements (original):
No charge
Issue of statements (duplicates):
AKZ 707,00 (Equivalent to USD)
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:
7,00%
POS payment on VISA International network: 7,00%
ATM withdrawal on BNI network:
No charge
ATM withdrawal on VISA Domestic network: 7,00%
ATM withdrawal on VISA International network: 7,00%
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
5
CREDIT CARD
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.
Cards Manual
6
VISA GOLD CREDIT CARD
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:
2nd scale:
3rd scale:
USD 5,000.00
USD 10,000.00
USD 15,000.00
Schedule of charges
Annual fee:
Issue:
USD 110.00 (Equivalent in AKZ)
No charge
Replacement / renewal:
Validity:
Damaged / poor condition:
Lost:
Urgent replacement overseas:
Urgent 24 hour production:
Placement on the black list:
Duplicate statements:
Copy of purchase receipt:
Charges for late payment / default:
- In 1st month:
- Following months:
Charges for exceeding credit limit:
Stamp duty:
Withdrawals (cash advance):
BNI ATM networks:
Visa International ATM network:
Visa Domestic ATM network:
At branch:
Payments:
BNI APT network:
Visa International domestic
market APT network:
Visa International rest of world APT network:
Interest rates:
Interest rate: 25,00% a.a.
Arrear interest rate: 4,00% a.a.
No charge
USD 15.00 (Equivalent in AKZ)
USD 15.00 (Equivalent in AKZ)
USD 100.00 (Equivalent in AKZ)
USD 50.00 (Equivalent in AKZ)
USD 15,00 (equivalent in AKZ)
USD 5.00 (Equivalent in AKZ)
USD 25.00 (Equivalent in AKZ)
USD 25.00 (Equivalent in AKZ)
USD 50.00 (Equivalent in AKZ)
USD 50.00 (Equivalent in AKZ)
Rates in force
3,50% + 424 AOA
5,00% + 424 AOA
5,00% + 424 AOA
No charge
No charge
5,00%
5,00%
2,00%
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
7
MASTERCARD STANDARD CARD
Credit limits
1st scale:
2nd scale:
3rd scale:
USD 300 up to USD 1000
USD 1000 up to USD 2000
USD 2000 up to USD 5000
Schedule of charges
Annual fee:
1st cardholder:
USD 50,00 (Equivalent in AKZ)
Replacement
Validity:
Damaged / poor condition:
Lost:
Urgent replacement overseas:
Urgent 24 hour production:
Placement on the black list:
Monthly statement charges:
Duplicate statements:
Copy of purchase receipt:
Charges for late payment/default:
- In 1st month:
- Following months:
Charges for exceeding credit limit :
Interest rate:
Withdrawals (Cash Advance):
- BNI ATM networks:
- Visa International ATM network:
- At branch:
Payment:
- BNI APT network:
- Mastercard Domestic APT network:
- Mastercard International overseas
APT network:
Consultations:
- BNI network:
- Other networks:
USD 15,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 100,00 (Equivalent in AKZ)
USD 50,00
USD 15,00
No charge
USD 5,00
USD 25,00
USD 25.00 (Equivalent in AKZ)
USD 20.00 (Equivalent in AKZ)
USD 8,00
25,00% a.a.
3,50% + 636 AOA
5,00% + 424 AOA
No charge
No charge
5,00%
5,00% of transaction amount
No charge
140 AOA
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
8
MASTERCARD GOLD CARD
Credit limits
1st scale:
2nd scale:
3rd scale:
4th scale:
5th scale:
USD 2.000,00
USD 5.000,00
USD 7.500,00
USD 10.000,00
more than USD 10.000,0
Schedule of charges
Annual fee
1st cardholder:
Issue commission:
USD 80,00 (Equivalent in AKZ)
No charge
Replacement
Validity:
Damaged / poor condition:
Lost:
Urgent replacement overseas:
Urgent 24 hour production:
Placement on the black list:
Monthly statement charges:
Duplicate statements:
Copy of purchase receipt:
Charges for late payment / default:
- In 1st month:
- Following months:
Charges for exceeding credit limit:
Stamp duty: Rate in force
Interest rate:
Withdrawals (Cash Advance):
BNI ATM networks:
Mastercard ATM network Maestro:
At branch:
USD 15,00 (Equivalent in AKZ)
USD 15.00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 100.00 (Equivalent in AKZ)
USD 50,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
No charge
USD 5.00
USD 25.00
USD 25,00
USD 50.00
USD 25.00
27% a.a.
2,50%
5,00% + 636
3,50% + 636 AOA
Payment:
BNI Expresso 24 APT network:
No charge
Mastercard APT network Domestic Maestro: 5,00%
Mastercard APT network International Maestro: 5,00% of transaction amount
Consultations:
BNI Expresso network:
No charge
Other networks:
140 AOA
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
9
MASTERCARD CORPORATE CARD
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: Damaged/poor condition: Lost: Urgency: Placement on the black list: Copy of purchase receipt: USD 15,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 50,00 (Equivalent in AKZ)
USD 15,00 (Equivalent in AKZ)
USD 25,00 (Equivalent in AKZ)
Withdrawals (Cash Advance):
BNI ATM networks: Mastercard ATM network Maestro: At branch: 2,50%
3,50% + USD 3,00
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: Other networks: Duplicate copies of statements: No charge
USD 1,00 (Equivalent in AKZ)
USD 10,00 (Equivalent in AKZ)
* Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
Cards Manual
10
PAYMENT CYCLES
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
Cards Manual
Visa Prepaid
TYPE OF PAYMENT NETWORK
Mastercard Standard
DAILY LIMIT
BNI ATM
58.000,00
BNI POS
VALUE ≤ 4.999.999,99
TOTAL
15.000,00
POS OVERSEAS
VALUE ≤ 500.000,00
NO LIMIT
NO LIMIT
TYPE OF PAYMENT NETWORK
500.000,00
6.000.000,00
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
NO LIMIT
4.999.999,99
VALUE ≤ 4.999.999,99
58.000,00
POS OVERSEAS
VALUE ≤ 1.500.000,00
OTHER NATIONAL BANKS’ ATM
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
DAILY LIMIT
MONTLY LIMIT
ANNUAL LIMIT
TYPE OF PAYMENT NETWORK
DAILY LIMIT
58.000,00
BNI ATM
58.000,00
BNI POS
VALUE ≤ 4.999.999,99
TOTAL
NO LIMIT
NO LIMIT
TOTAL
4.999.999,99
ATM OVERSEAS
58.000,00
VALUE ≤ 1.500.000,00
1.500.000,00
POS OVERSEAS
6.000.000,00
TOTAL
1.500.000,00
OTHER NATIONAL BANKS’ ATM
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
TOTAL
NO LIMIT
NO LIMIT
TOTAL
DAILY LIMIT
VALUE ≤ 4.999.999,99
NO LIMIT
NO LIMIT
4.999.999,99
15.000,00
POS OVERSEAS
VALUE ≤ 500.000,00
500.000,00
6.000.000,00
500.000,00
OTHER NATIONAL BANKS’ ATM
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
TOTAL
ANNUAL LIMIT
58.000,00
ATM OVERSEAS
TOTAL
MONTLY LIMIT
4.999.999,99
NO LIMIT
NO LIMIT
Os valores apresentados são expressos em AOA
BNI POS
6.000.000,00
NO LIMIT
NO LIMIT
MONTLY LIMIT
ANNUAL LIMIT
NO LIMIT
NO LIMIT
1.500.000,00
6.000.000,00
NO LIMIT
NO LIMIT
MONTLY LIMIT
ANNUAL LIMIT
NO LIMIT
NO LIMIT
1.500.000,00
6.000.000,00
NO LIMIT
NO LIMIT
58.000,00
VALUE ≤ 1.500.000,00
1.500.000,00
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
4.999.999,99
Mastercard Corporate
Os valores apresentados são expressos em AOA
BNI ATM
1.500.000,00
4.999.999,99
OTHER NATIONAL BANKS’ ATM
TOTAL
4.999.999,99
Visa Electron
TYPE OF PAYMENT NETWORK
NO LIMIT
Mastercard Gold
VALUE ≤ 4.999.999,99
POS OVERSEAS
NO LIMIT
4.999.999,99
BNI POS
ATM OVERSEAS
ANNUAL LIMIT
1.500.000,00
BNI ATM
TOTAL
MONTLY LIMIT
4.999.999,99
ATM OVERSEAS
TOTAL
Visa Gold
TYPE OF PAYMENT NETWORK
58.000,00
BNI POS
TOTAL
NO LIMIT
DAILY LIMIT
BNI ATM
TOTAL
500.000,00
OTHER NATIONAL BANKS’ ATM
TOTAL
ANNUAL LIMIT
4.999.999,99
ATM OVERSEAS
TOTAL
MONTLY LIMIT
TYPE OF PAYMENT NETWORK
DAILY LIMIT
BNI ATM
58.000,00
BNI POS
VALUE ≤ 4.999.999,99
TOTAL
4.999.999,99
ATM OVERSEAS
58.000,00
POS OVERSEAS
VALUE≤ 1.500.000,00
TOTAL
1.500.000,00
OTHER NATIONAL BANKS’ ATM
40.000,00
OTHER NATIONAL BANKS’ POS
VALUE ≤ 4.999.999,99
TOTAL
4.999.999,99
Passion for the future
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