Do you have any questions?
Find bellow the most frequently asked
questions about BAI Salary Credit.
It is a credit product for employees of public and private companies with salaries domiciled at the Bank.
Private Clients - employees of public and private companies with an undetermined legal-employment relationship.
  • Credit for the purpose you want according to your needs;
  • Speed ​​in the concession process.
Kwanzas.
Up to 20,000,000 Kwanzas
Luibor 1M + 5.5%.
  • Being a BAI customer for at least 6 (six) months;
  • Having a salary domiciled at BAI for at least 3 (three) months;
  • Legal-labor relationship with an employer (public or private) for at least 6 (six) months with a fixed or indefinite contract;
  • Letter of credit request;
  • Photocopy of the identity card;
  • Photocopy of the taxpayer card;
  • Salary Consignment Declaration;
  • Photocopy of the last 3 (three) salary receipts;
  • Updated residence certificate or long confirmation statement.


Note: Declaration of address confirmation must be filled out only if: the client does not present proof of the current address (residence certificate, water, electricity or telephone bill); or the address indicated in the identification document does not correspond to the customer's current address (one must attach a copy of the declarant's identification document and proof of residence to the address confirmation statement and fill in the account opening form to update the data

  • Consignment of salary at BAI, until the fulfillment of the responsibilities towards the Bank;
  • Life insurance (during the term of the credit).
Credit debt is settled by monthly installments of principal and interest, directly to the borrower's Salary account, according to the debit authorization granted by them in the respective loan agreement, on the same day or on the first business day after the employer transfers the remuneration to that account.
Yes, there are. According to the BAI Operations Price List in force.
In credit products, VAT has replaced stamp duty. Previously, 0.7% were charged in fees in price lists, now 14% VAT will be charged.
Up to 35% of the monthly base salary earned by the Client

The effort rate corresponds to the percentage of the net income (in this case the salary) destined to the payment of the credit installment (or credits). The Bank must take into account other responsibilities that the interested party may have at BAI or other financial institutions. The effort rate is calculated according to the formula:

Effort rate = (Monthly financial charges / Income) x 100.

Ex: Credit installment (s) 500 / Net salary 2000) / 100 = Effort rate 33.3.

At their account domiciliation desk.
It will be made available directly to the Beneficiary Order.
Up to 10 (ten) working days.
The capital plus interest repayment term is up to 24 (twenty four) months.
Account domiciliation desk.

Still got some questions?
Contact our customer service:
Ico Callcenter@1X
(+244) 222 693 890 (+244) 226 420 990

If you need help with BAI Directo or with any of your cards, contact:

Ico Doc@1X
(+244) 924 100 100

For information related to BAI Directo or want to report a situation

Ico Card@1X
(+244) 222 641 849

Exclusive to subjects related to debit cards (service provided by Call Center EMIS)

Ico Plane@1X
(+202) 333 314 44

For subjects related to VISA Cads (service provided by Call Center VISA) abroad.

For further information contact the nearest BAI branch.