Daily management
Business · Accounts
BAI Business Account
An operating account for companies with treasury and payment services.
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Daily management
Via PS2
Business · Services
Payroll Processing
Pay salaries quickly, in a controlled and cost-effective way.
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Safe use
Personal · Cards
Best practices for card use
Recommendations to protect cards, codes and payments.
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Simple to open
Personal · Accounts
Current Account
A core account to manage payments, transfers and essential services.
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Guided simulation
Personal · Credit
Home 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%
24/7
All · Digital
BAIDIRECTO
Internet Banking to check balances, statements, transfers and exchange rates.
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More flexibility
Personal · Cards
VISA Gold
Nominal rate (TAN): 18.5% | APR (TAEG): 21.39%
The APR is calculated on an 18.5% nominal rate (TAN) basis, for the Gold Card of CVE 500,000
Term: 10 months; Default interest: 2%.
VISA network
Personal · Cards
VISA Classic
Nominal Annual Interest Rate (TAN): 18.5% | Annual Percentage Rate (APR): 20.82%;
The APR is calculated based on a TAN of 18.5% for the Classic Card with a credit limit of 350,000;
Term: 10 months; Late payment interest: 2%.
National credit
Personal · Cards
KATXUPA
Nominal Annual Interest Rate (TAN): 16% | Annual Percentage Rate (APR): 18.11%
The APR is calculated based on a nominal annual interest rate (TAN) of 16% for the Katxupa Card with a credit limit of 500,000
Term: 12 months; Late payment interest: 2%;
National network
Personal · Cards
Vinti4 Card
A debit card for payments and withdrawals on the vinti4 network.
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Salary with benefits
Personal · Accounts
BAI Salary Account
An account designed for customers who receive their salary at BAICV.
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Mobility for you
Personal · Credit
Car Loan
Nominal rate (TAN): 7.50% | APR (TAEG): 8.49% The APR is calculated on a 7.5% nominal rate (TAN) basis, for a Car Loan of CVE 2,000,000.00 Term: 96 months; Default interest: 2%;
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Sustainable choices
Personal · Credit
BAI Green Energy Loan
Nominal rate (TAN): 6.00% | APR (TAEG): 7.9%
The APR is calculated on a 6.00% nominal rate (TAN) basis, for the Green Energy Loan of CVE 900,000.00
Term: 72 months; Default interest: 2%.
Personal projects
Grow your savings
Personal · Savings
Term Deposits
Gross nominal rate (TANB) 0.75% - 1.00% 1.50% - 1.75% 2.00% Terms: 90 days to 36 months
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Digital savings
Personal · Savings
Poup@ Net
Gross nominal rate (TANB) 0.80% - 1.10% 1.60% - 1.85% Terms: 90 days to 36 months
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Connection to Cabo Verde
Personal · Emigrants
Conta BAI Nha Terra
An account for emigrants who want to keep a financial link with Cabo Verde.
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Online shopping
Personal · Cards
VISA Virtual Prepaid
A virtual card for online purchases with more control.
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Business support
Personal · Credit
Small Business Loan
Nominal rate (TAN): 9% | APR (TAEG): 11.29%;
The APR is calculated on a 9.00% nominal rate (TAN) basis, for a Small Business Loan of CVE 100,000.00;
Term: 36 months; Default interest: 2%.
Sustainable mobility
Personal · Credit
BAI Electric Mobility Loan
Nominal rate (TAN): 5.95% | APR (TAEG): 6.87%
The APR is calculated on a 5.95% nominal rate (TAN) basis, for the BAI Electric Mobility Loan of CVE 2,000,000.00
Term: 96 months; Default interest: 2%
Linked to your salary
Personal · Credit
Salary Credit
Nominal rate (TAN): 14% | APR (TAEG): 16.71%
The APR is calculated on a 14.00% nominal rate (TAN) basis, for the Salary Loan of CVE 500,000.00
Term: 24 months; Default interest: 2%;
Extra flexibility
Personal · Credit
Salary Credit+
Nominal rate (TAN): 9.8% | APR (TAEG): 12.57%
The APR is calculated on a 9.8% nominal rate (TAN) basis, for the Salary+ Loan of CVE 500,000.00
Term: 60 months; Default interest: 2%;
Starting is simple
Cabo Verdean identity
Personal · Cards
Visa Kriola
A VISA card with international acceptance and a Cabo Verdean identity.
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Means of payment
Personal · Services
BAICV Cheques
A cheque service linked to your account, subject to applicable conditions.
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Real estate opportunity
Invest in your project
All · BAI Real Estate
Pedra Branca Development
Plots and opportunities at the Pedra Branca development.
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Assets in Sal
All · BAI Real Estate
Pedra de Lume Development
Real-estate opportunities in Pedra de Lume, Sal Island.
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Live and invest
Automatic payments
Business investment
Business · Credit
Business and Corporate Loan
Fixed rate - Nominal rate (TAN): 10.75% | APR (TAEG): 11.8%
The APR is calculated on a 10.75% nominal rate (TAN) basis, for a Business and Corporate Loan of CVE 5,000,000.00
Term: 96 months; Default interest: 2%;
Variable rate - Index: liquidity-providing rate + spread from 5.25%, with a 10.5% floor;
Term: 8 years; Default interest: 2%;
Operational liquidity
Business · Credit
Invoice Advance
Nominal rate (TAN): 10% | APR (TAEG): 15.90%;
The APR is calculated on a 10% nominal rate (TAN) basis, for a loan of CVE 1,000,000.00;
Term: 6 months; Default interest: 2%
Flexible treasury
Business · Credit
Secured Current Account
Nominal rate (TAN): 10.8% | APR (TAEG): 14.11%
The APR is calculated on a 10.8% nominal rate (TAN) basis, for a secured current account facility of CVE 1,000,000.00
Term: 12 months; Default interest: 2%
Foreign trade
Business management
Business · Cards
VISA Business Platinum
Nominal rate (TAN): 18.5% | APR (TAEG): 21.39%
The APR is calculated on an 18.5% nominal rate (TAN) basis, for the Business Platinum card of CVE 500,000
Term: 10 months; Default interest: 2%;
Tax calendar
Business · Services
Tax Calendar
Useful information to keep track of relevant tax obligations.
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Business mobility
Business · Credit
Business Car Loan
Personal Use - Nominal Interest Rate (TAN): 7.5% | APR (TAEG): 8.58%Commercial Use - Nominal Interest Rate (TAN): 7.5% | APR (TAEG): 8.76%Commercial Operation - Nominal Interest Rate (TAN): 8% | APR (TAEG): 9.51%
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Energy efficiency
Business · Credit
Crédito Energia Verde Empresas
Nominal rate (TAN): 6% | APR (TAEG): 7.90%;
The APR is calculated on a 6% nominal rate (TAN) basis, for the BAI Green Energy Loan of CVE 900,000.00;
Term: 72 months; Default interest: 2%
Sustainable fleet
Business · Credit
BAI Electric Mobility Loan for Business
Nominal rate (TAN): 6.5% | APR (TAEG): 7.82%;
The APR is calculated on a 6.5% nominal rate (TAN) basis, for the Electric Mobility Loan of CVE 2,000,000.00;
Term: 60 months; Default interest: 2%
Surplus management
Digital deposit
Business · Savings
Poup@ Net Business
Gross nominal rate (TANB) 0.80% - 1.10% 1.60% - 1.85% Terms: 90 days to 36 months
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National credit
Business · Cards
KATXUPA Business
A national credit card for business expenses on the vinti4 network.
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Everyday operations
International payments
Controlled online spending
Business · Cards
VISA Virtual Prepaid Business
A reloadable virtual card for your company's online payments.
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