ATM · vinti4 network
24/7 · secure
Withdrawals, balances, payments and transfers across every island.
Banco BAI Cabo Verde
Confidence in the future.
Open an account, save, pay and keep track of your money with the closeness you know and the speed of digital channels.
18
years in Cabo Verde
11
branches across the islands
45+
products and services
24/7
BAIDIRECTO and ATM network
For every moment
Simple choices. Confident decisions.
Start here — the most popular everyday solutions.
BAIDIRECTO
Banking at your pace.
Check transactions, make payments and transfers, and follow your account wherever you are.
Access BAIDIRECTO
Simulate in seconds
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Adjust the amount, term and rate to instantly estimate your loan payment. No sign-up, no commitment.
Explore credit solutions
Estimated monthly payment
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Sum of instalments (principal and interest): —
Not in this sum: fees, stamp duty, insurance and other charges. The full cost is the APR in the standard information sheet.
Assumptions of this simulation
- Constant instalment (principal and interest), paid every month
- The chosen rate stays the same for the whole term
- No grace period or deferral
- Amounts rounded to the escudo.
Product conditions updated on 23/09/2026
Request a personal offerIndicative values, not contractual. Final terms depend on the assessment of your application and the current Price List.
BAICV solutions
Products designed for people, families and businesses.
All · Digital
BAIDIRECTO
Internet Banking to check balances, statements, transfers and exchange rates.
24/7 Learn more Personal · CardsBest practices for card use
Recommendations to protect cards, codes and payments.
Safe use Learn more Personal · AccountsCurrent Account
A core account to manage payments, transfers and essential services.
Simple to open Learn more Business · AccountsBAI Business Account
An operating account for companies with treasury and payment services.
Daily management Learn more Personal · CreditHome Loan
Fixed rate
Nominal rate (TAN): 9.00% | APR (TAEG): 9.87%
The APR is calculated on a 9.00% nominal rate (TAN) basis, for a Home Loan of CVE 10,000,000.00
Term: 60 months; Default interest: 2%
Payroll Processing
Pay salaries quickly, in a controlled and cost-effective way.
Via PS2 Learn moreYour BAICV channels
Available 24/7, fully secure.
Withdraw, pay and transfer whenever you need — at vinti4 ATMs, at partner POS terminals and on BAIDIRECTO. With strong authentication on every operation.
POS · retail
24/7 · secure
Pay by card, contactless, at thousands of partner establishments.
Web & App · BAIDIRECTO
24/7 · secure
Do everything from your phone or computer, wherever you are.
Branches · personal service
Mon–Fri · 8am–3pm
Talk to your relationship manager at the branches. Take your ticket online to cut the wait.
Get a ticket onlineBAICV network
Close to you, with personalised service.
Prefer to speak to a person? Book a meeting with your manager at the nearest branch.
11branches
5islands covered
Managerdedicated to you
Ticketonline, no queues
Agência Sal-Rei
Sal-Rei, Boa Vista · +238 351 03 15
Monday to Friday, 8:00–15:00Agência São Filipe
São Filipe, Fogo · +238 281 35 80
Monday to Friday, 8:00–15:00Agência Espargos
Espargos, Sal · +238 241 90 80
Monday to Friday, 8:00–15:00Agência Santa Maria
Santa Maria, Sal · +238 241 90 85
Monday to Friday, 8:00–15:00Agência Sede — BAI Center
Praia, Santiago · +238 260 23 00
Monday to Friday, 8:00–15:00Agência Plateau
Praia, Santiago · +238 260 23 70
Monday to Friday, 8:00–15:00Agência Achada Santo António
Praia, Santiago · +238 260 23 80
Monday to Friday, 8:00–15:00Agência Palmarejo
Praia, Santiago · +238 260 13 30
Monday to Friday, 8:00–15:00Agência Assomada
Santa Catarina, Santiago · +238 265 30 50
Monday to Friday, 8:00–15:00Agência Montsu
Mindelo, São Vicente · +238 231 03 94
Monday to Friday, 8:00–15:00Agência Monte Cara
Mindelo, São Vicente · +238 230 33 20
Monday to Friday, 8:00–15:00No branches on this island.
BAICV news
Keep up with BAICV.
NEW BAIDIRECTO
BAIDIRECTO has changed!
BAICV Reinforces Its Commitment to Sustainability with a Solar Power Project at the Sports Gymnasium
BAI Cabo Verde (BAICV) has completed the renovation of the parking lot located behind the Sports Gymnasium in Praia, a project that combines the installation of a photovoltaic system with improvements to the area and the enhancement of the murals depicting the sports played at the Vavá Duarte Sports Pavilion.
Bank of Cape Verde maintains benchmark interest rates.
The Bank of Cape Verde (BCV) "decided to keep benchmark interest rates unchanged," it announced in a statement following the latest meeting of the Monetary Policy Committee, held on Thursday.
