Do you have any questions?
Find bellow the most frequently asked questions
about Private Compensated (Authorized) Overdraft.

Private Compensated (Authorized) Overdraft is a consumer credit that corresponds to a debit balance in the customer's current account and is used for debit movements.

Private customers.

  • The customer can use the credit for whatever purpose according to their needs;
  • Speed ​​in the concession process;
  • Immediate access to availability during the current period of the line
Kwanza.

Depending on the amount of the collateral invested in time deposit.

25% p.a.
  • Being a Bank customer for at least 6 (six) months;
  • Term deposit constituted, according to the chosen product.
  • Photocopy of the identity card;

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.

At the account domiciliation desk.

It will be made available directly to the Beneficiary’s Current Account.

  • Capital: Payable at maturity;
  • Interest: Payable monthly.

Up to 90 days.

Account domiciliation branch.

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.