Frequently asked questions

Harmonia card

International VISA card: debit and credit card that can be used in Madagascar and abroad

If I can’t remember my PIN, what do I need to do?

See your manager as soon as possible.

Apart from the rates, how is the PREMIUM package different from the ACCESS package?

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

For an international transaction, are there special rates?

Yes, but it depends on the transaction undertaken

If I lose my card, what do I do?

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

In this case, is there a charge?

Yes, a new card is issued for a fee.

Lokanga Card

National VISA card: debit and credit card usable everywhere in Madagascar

If my card has expired, what should I do?

In this case, please contact your account manager

Can transactions be carried out abroad with the Lokanga card?

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

Does the Lokanga card allow you to withdraw money from other ATMs?

Yes, withdrawal from other ATMs is allowed.

Can I change my PIN?

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

Will the rate be the same for a domestic transaction?

No, it depends on the transaction undertaken.

PREMIER card

VISA international card: debit and credit card usable in Madagascar and abroad

If I lose my card, is there is a charge to get it back?

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

If I have a VATOSOA pack, can I use the Premier Card?

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

What accounts are connected to the Premier card?

All BNI accounts can be connected to the PREMIER card.

What is the daily withdrawal limit for the Premier card?

The daily withdrawal limit with the Premier card is 1,300,000 MGA

Can I buy online with the Premier card?

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

Valiha Card

Private debit card for use on all BNI ATMs