For individual customers
Cheques and transfers
Cheque certification :
A certified cheque is a guarantee of security given on behalf of our customers. Whether the beneficiary is a government institution, an individual, a company, etc... A certified cheque provides assurance of the availability of funds.
Transfers received and issued :
Simple, fast and secure, this operation involves sending or receiving money between two internal accounts (opened at the same bank) or two external accounts (opened at two different banks). It can be one-off or permanent.
International services
Incoming and outgoing transfers :
A simple, fast and secure operation using a SWIFT code and an IBAN code that comply with international standards, a transfer is an international payment system that involves sending or receiving funds between two accounts held at two different banks in two different countries.
Your investments
Savings accounts :
A savings account is a simple savings formula that offers great flexibility in the development of your capital, and allows your money to grow in total security.
To open a savings account, the following conditions must be met:
- Photocopy of valid identity document (CNI, passport, residence permit)
- Two passport photos,
- Certificate of residence or water or electricity bill at least 3 months old
- Initial deposit: GNF 100,000, USD 200, EUR 200
Minor savings account :
- Photocopy of valid identity document (CNI, passport, residence permit),
- A photocopy of the minor's birth certificate,
- Two passport-size photos of the parent,
- Two passport photos of the child,
- Certificate of residence or water or electricity bill at least 3 months old
How the account works
- Duration: unlimited
- Maximum amount paid: 20,000,000 Guinean francs
- Remuneration at a fixed rate of 3%+TAF with interest capitalized at the end of each month.
- Account transactions: unlimited cash deposits and cash withdrawals limited to 2 per month account-to-account transfers (one-off or permanent)
Advantages :
- Guaranteed remuneration
- Full availability of savings
- Save at your own pace
- No account maintenance fees
Current account :
With one of the lowest account maintenance fees on the market, the BCI current account allows you to debit and credit your account at any time.
To open a current account, the following conditions must be met:
- Photocopy of valid ID (CIN, passport, residence permit)
- Two passport photos
- Certificate of residence or water or electricity bill at least 3 months old. - Salary slip for direct debit (plus employment contract for civil servants).
- A photocopy of the employment contract for the private sector
- Initial deposit: 300,000 GNF, 200 EUR, 200 USD, 50,000 GNF for salaries.
How the account works
- Withdrawals, deposits, transfers, cheques and bills of exchange ....
- Free chequebook and monthly account statement
- Payment of account maintenance fees at the end of each month.
Advantages :
- Funds available at any time
- Withdrawals can be made at any time without limit - Gives access to any means of payment,
Term deposit :
This is an investment option available to any individual or legal entity (trader, company, establishment, individual ......) holding a current account with BCI, enabling your capital to grow.
How it works :
- It involves locking in funds at a fixed rate for a predefined period,
- Interest is capitalized quarterly and paid into the current account.
Advantages :
- A totally secure investment
- Capital is guaranteed,
- The rate of remuneration is guaranteed and known at the time of registration.
- Available capital (early repayment of the entire investment is possible at any time, subject to interest penalties prorated to the time spent)
For further information, please contact your advisor.
Our day-to-day services
Other services are provided daily in our branches:
- Cheque cashing and cash deposits
- Internet Banking with BCI-net (real-time transaction consultation, statement retrieval, statement request, checkbook request, IBAN retrieval, transfer, direct debit, messaging)
- SMS Banking
- Buying and selling foreign currencies
- Western Union
- Issuing and receiving international transfers
- Other services, ...