Card User s Guide
1 Contents 1. Types of Card 2. Schedule of Charges 3. Payment Cycle 4. Transaction Limits 5. Customer Support
2 TYPES OF CARD Banco BNI places at its customers disposal three types of card: Debit Cards Prepaid Cards Credit Cards
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: 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: Charges per transaction: Consulting balance on our network: Consulting balance on other networks: AKZ 100 (Equivalent to USD 1,00) POS payment on BNI network: POS payment on Visa Domestic network: 3,00% POS payment on Visa International network: 3,50% ATM withdrawal on BNI network: ATM withdrawal on Visa Domestic network: USD 3,05 (Equivalent in AKZ) ATM withdrawal on Visa International network: 4,00% * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
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: Replacement Validity: Lost: AKZ Equivalent USD 15.00 Damaged: AKZ Equivalent USD 15.00 Urgency: Loading (Top-up) commission: 2,50% Charges per transaction: Consulting balance on our network: Consulting balance on other networks: AKZ 100 (Equivalent to USD 1,00) Issue of statements (original): Issue of statements (duplicates): AKZ 500,00 (Equivalent to USD 5,00) Reimbursement of amounts to SD at bank s initiative: Reimbursement of amounts to SD at customer s initiative: POS payment on BNI network: POS payment on VISA Domestic network: 1,50% POS payment on VISA International network: 2,00% ATM withdrawal on BNI network: ATM withdrawal on VISA Domestic network: AKZ 350 (Equivalent to USD 3,50) ATM withdrawal on VISA International network: 3,50% * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
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.
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: 1 st scale: USD 5,000.00 2 nd scale: USD 10,000.00 3 rd scale: USD 15,000.00 Schedule of charges Annual fee: Issue: USD 110.00 (Equivalent in AKZ) Replacement / renewal: Validity: 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 1 st 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: 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: 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. * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
7 MASTERCARD STANDARD CARD Credit limits 1 st scale: USD 300 up to USD 1000 2 nd scale: USD 1000 up to USD 2000 3 rd scale: USD 2000 up to USD 5000 Schedule of charges Annual fee: 1 st cardholder: USD 50,00 (Equivalent in AKZ) Replacement Validity: Damaged / poor condition: Lost: 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: Duplicate statements: USD 5,00 Copy of purchase receipt: USD 25,00 Charges for late payment/default: - In 1 st 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: - Mastercard Domestic APT network: 1,70% USD - Mastercard International overseas APT network: 2,00% of transaction amount Consultations: - BNI network: - Other networks: 1 USD (Equivalent in AKZ) * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
8 MASTERCARD GOLD CARD Credit limits 1 st scale: USD 2.000,00 2 nd scale: USD 5.000,00 3 rd scale: USD 7.500,00 4 th scale: USD 10.000,00 5 th scale: more than USD 10.000,0 Schedule of charges Annual fee 1st cardholder: Issue commission: USD 80,00 (Equivalent in AKZ) Replacement Validity: Damaged / poor condition: USD 15.00 (Equivalent in AKZ) Lost: Urgent replacement overseas: USD 100.00 (Equivalent in AKZ) Urgent 24 hour production: USD 50,00 (Equivalent in AKZ) Placement on the black list: Monthly statement charges: Duplicate statements: USD 5.00 Copy of purchase receipt: USD 25.00 Charges for late payment / default: - In 1 st 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: Mastercard APT network Domestic Maestro: 1,70% Mastercard APT network International Maestro: 2,70% of transaction amount Consultations: BNI Expresso network: Other networks: 1,00 USD (Equivalent in AKZ) * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
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 50,00 (Equivalent in AKZ) 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: 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: USD 1,00 (Equivalent in AKZ) USD 10,00 (Equivalent in AKZ) * Valores sujeitos à taxa de câmbio em vigor no BANCO BNI.
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
Visa Prepaid Mastercard Standard TYPE OF PAYMENT NETWORK DAILY LIMIT MONTLY LIMIT ANNUAL LIMIT TYPE OF PAYMENT NETWORK DAILY LIMIT MONTLY LIMIT ANNUAL LIMIT BNI ATM BNI ATM BNI POS VALUE BNI POS VALUE ATM OVERSEAS 15.000,00 ATM OVERSEAS POS OVERSEAS VALUE 500.000,00 500.000,00 6.000.000,00 POS OVERSEAS VALUE 6.000.000,00 500.000,00 OTHER NATIONAL BANKS ATM 40.000,00 OTHER NATIONAL BANKS ATM 40.000,00 OTHER NATIONAL BANKS POS VALUE OTHER NATIONAL BANKS POS VALUE Visa Gold Mastercard Gold TYPE OF PAYMENT NETWORK DAILY LIMIT MONTLY LIMIT ANNUAL LIMIT TYPE OF PAYMENT NETWORK DAILY LIMIT MONTLY LIMIT ANNUAL LIMIT BNI ATM BNI ATM BNI POS VALUE BNI POS VALUE ATM OVERSEAS ATM OVERSEAS POS OVERSEAS VALUE 6.000.000,00 POS OVERSEAS VALUE 6.000.000,00 OTHER NATIONAL BANKS ATM 40.000,00 OTHER NATIONAL BANKS ATM 40.000,00 OTHER NATIONAL BANKS POS VALUE OTHER NATIONAL BANKS POS VALUE Visa Electron Mastercard Corporate TYPE OF PAYMENT NETWORK BNI ATM BNI POS ATM OVERSEAS POS OVERSEAS OTHER NATIONAL BANKS ATM OTHER NATIONAL BANKS POS DAILY LIMIT VALUE 15.000,00 VALUE 500.000,00 500.000,00 40.000,00 VALUE MONTLY LIMIT 500.000,00 ANNUAL LIMIT 6.000.000,00 Os valores apresentados são expressos em AOA Os valores apresentados são expressos em AOA TYPE OF PAYMENT NETWORK BNI ATM BNI POS ATM OVERSEAS POS OVERSEAS OTHER NATIONAL BANKS ATM OTHER NATIONAL BANKS POS DAILY LIMIT VALUE VALUE 40.000,00 VALUE MONTLY LIMIT ANNUAL LIMIT 6.000.000,00
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: Bnionline@bni.ao 222632910 929090060 924068383