Frequently asked questions

Tongasoa Pack

Most of the products and services combined in one single price offer

What is the price of the pack?

The price of the pack depends on the customer’s status, please go to your branch for more information

I already have a Kaonty Soa but I am interested in the Tongasoa Pack, what should I do?

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

Do I have to pay extra for MIARINA Insurance?

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

Is there a special rate for students who wish to take out the Tongasoa Pack?

Yes, students have a reduced rate on standard fees.

Vatosoa Pack

A complete package of products and services for your transactions on the spot and abroad

If I decide not to take one of the products included in the pack, what happens?

A customer has every right not to take the products or services he/she does not wish to use

What is the advantage of the Vatosoa Pack compared with the other Packs?

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

Can I apply to use a PREMIER card with the VATOSOA Pack?

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

What is the zero-balancing included in the Pack?

Zero-balancing involves transferring a certain amount of money to another bank account.

What is the SERENITE insurance included in the Pack?

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

kaonty Soa

Your deposit account, VALIHA card and MVola account in a single reduced-rate offer

If I open a Kaonty Soa, can’t I have a chequebook?

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

Peut-on faire une demande d’avance sur salaire avec le Kaonty Soa?

Oui, mais uniquement en tant que salarié.

I would like to have a LOKANGA card instead of a VALIHA card, would that be possible?

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.

Is there a special rate for students who want to take out a Kaonty Soa?

Yes, get in touch with the nearest branch. A special student offer is also available at BNI.

Mahasoa Pack

Most of the products and services together in one single price offer

What is the PA limit included in the package?

The PA amount is set at 500,000 MGA

What is the amount of capital guaranteed by the MIARINA insurance included in the Pack?

The amount is set at 2,000,000 MGA

Can I pay the Pack charges in cash?

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

Can I carry out international transactions with the LOKANGA card included in this package?

No, the LOKANGA card does not allow international transactions

Can I ask for an increase in my Pay Advance included in the Pack?

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

How many services are included in the pack?

For this type of pack, there are 04 free services: stopping cards, stopping cheques, issuing new PINs, standing orders between accounts.