Frequently asked questions

No, the policy is monobeneficiary. But a customer may take out several policies for each of their children.

No, you will have to terminate your policy and take out a new policy for the new beneficiary.

Yes, this is possible because no family relationship is required to name a beneficiary

Wage-earners or self-employed people can open a BNI account

Required documents: ID card, 02 passport photos, proof of address, pay slip or statement of domicile

It depends on the customer’s status, if he/she is a wage-earner, student, and so on.

See your customer advisor for the steps to take

Minors can also open a BNI account but with an authorization from their legal guardian.

Hereafter : https://secure.bni.mg

Contact your account manager and ask for a new password

No, our Elionet service guarantees you maximum security for your personal data and bank account

Yes, transfers can be made between accounts with the same holder, and also transfers to third party accounts and third party banks but formalities have to be completed at a branch.

There is no special rate for this operation.

Yes, it can be stopped if your phone is lost.

Usually once a week but the number may vary depending on the type of package the customer chooses.

No, an Eliosms contract is valid only for one phone number

The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.

The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.

It depends on the type of loan, ranging from 12 to 15%

Yes, you can apply for a property loan. An analysis of your income will be done when putting your file together.

SOLIDIS fournit un service de cautionnement immobilier pour faciliter l’accès aux crédits immobiliers.

Any customer with a BNI deposit account.

The means of payment for a foreign currency account are transfers and issuing travellers’ cheques.

You can manage your account via Eliosms/Elionet/Eliophone.

Yes, the customer can open a foreign currency account for each type of foreign currency.

L’alimentation du compte se fait uniquement avec des virements.

The PREMIUM package gives you the account balance twice a week, transactions on the account once a week, a loan release notice, and a last monthly loan payment notice

Yes, but it depends on the transaction undertaken

Go to your branch to cancel the card and get a new one.

Yes, a new card is issued for a fee.

If you are already a wage-earner, a chequebook will be issued.

Oui, mais uniquement en tant que salarié.

Yes, this is possible but you will have an extra charge for the LOKANGA card. Choosing a Tongasoa Pack that includes the LOKANGA card would be more beneficial.

In this case, please contact your account manager

No, LOKANGA card transactions are only authorized for Madagascar, but they can be done with the BNI’s international cards

Yes, withdrawal from other ATMs is allowed.

The PA amount is set at 500,000 MGA

The amount is set at 2,000,000 MGA

No. The cost of the pack will be debited directly from the account

No, the LOKANGA card does not allow international transactions

Yes, you can claim a higher amount but the maximum is 1,000,000 MGA

Yes, non-salaried employees with a steady income may apply for a loan.

Oui, un process de rachat prévu auprès de la BNI.

The customer must already be a wage-earner and have a BNI deposit account.

Guarantees are defined according to the type of loan requested.

The maximum guaranteed capital is set at 200,000,000 MGA.

The age limit for MIARINA coverage is 65.

No, you will have to take out a new policy if you wish to change your beneficiary

Yes, you can change the amount of the premium, and the guaranteed capital will also be changed accordingly.

The minimum amount is set at 100,000 MGA.

The maximum daily cumulative amount is 9,999,999 MGA.

The maximum amount allowed per transaction is 5,000,000 MGA

It depends on the pack the customer chooses

A pay advance can be taken either by credit card or by cheque.

The refund will be automatic once there is cash in the account.

A pay advance pay is available any time after both parties have signed the agreement.

Le salarié aura droit à 50% de son salaire, pour le cas d’un fonctionnaire l’avance sur salaire peut aller jusqu’à 60% du salaire.

Yes, you will have to pay a fee to cancel it and get a new card.

Yes, you can apply for a Premier Card for the VATOSOA Pack.

All BNI accounts can be connected to the PREMIER card.

No, BNI does not have this service yet but it will be available soon.

No, no penalty is applied on early withdrawal

It depends on the customer’s status, if he/she is a wage-earner, student, and so on.

As an exception, all savings can be withdrawn at any time

At the age of 21, the child will be able to receive the amount saved.

No, there are no account closing charges for a special savings account.

SOLIDIS provides a real estate bonding service to facilitate access to mortgages.

The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.

The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.

It depends on the type of loan, ranging from 12 to 15%

See your manager, there is a process already available for changing the pack

No, the MIARINA insurance contribution is already included in the monthly rate for the Pack

Yes, students have a reduced rate on standard fees.

The types of guarantees are: a mortgage, a bond from a guarantor, a bank counter-guarantee, a pledge of financial assets.

The key documents required are: a land title deed, a legal status certificate; For construction: building permit, plan and estimate.

It depends on the type of loan, ranging from 12 to 15%

Yes, early repayment is allowed

Yes, a travel savings account can be opened without having a deposit account.

5% interest will be paid quarterly.

Yes, non-salaried employees with a steady income may apply for a loan.

Yes, a redemption process provided with the BNI.

There are no specific vehicles, all types of vehicles will be taken into account

– Photocopy of ID card

– employment certificate (Administrative certificate for civil servants)

– 3 pay slips

The customer must already be a wage-earner and have a BNI deposit account.

Guarantees are defined according to the type of loan requested.

In this case, please contact your account manager

No, you can apply for a VALIHA card even with a deposit account

No, the PIN is only given when the card is issued, so there is only one PIN

Go to your branch to cancel the card and get a new one.

The VATOSOA Pack includes most of the BNI range of products and services.

Yes, you can ask for a PREMIER card at an off-pack rate.

This insurance covers you for lost or stolen credit cards or papers.

Yes, a redemption process provided with the BNI.

The customer must already be a wage-earner and have a BNI deposit account.

Guarantees are defined according to the type of loan requested.