BNCTL
“Don’t wait—open your account with BNCTL today! Follow the simple steps outlined to submit your documents online and enjoy the convenience and benefits of a BNCTL account.”
Requirements (Individual):
1. Current half-body 3x4 colored photo, taken on the right side at the bank.
2. Copy of Voter Card/ID/Passport will be valid (Minimum 2 Identity Cards).
3. Work Visa/Residency Visa/Special Stay Authorization (Foreigner Personal).
4. Work Visa/Passport and identity declaration certified by the Timorese Embassy or Consulate or public entity (Non-resident Personal).
Terms and Conditions:
1. All products are subject to bank approval and the terms outlined in the account agreements.
2. Minimum balance requirements and fees may apply depending on the specific product or service.
3. Interest rates, account maintenance fees, and withdrawal conditions are subject to change as per the bank’s policies.
4. For specific details on each product, refer to the individual product terms and conditions provided at account opening.
Benefits:
Opening a BNCTL bank account via a portal form is convenient and efficient. You can apply from anywhere, save time compared to in-person visits, and receive instant updates. The process is user-friendly, allows for easy document uploads, and provides secure handling of your information.
Online Submission:
To submit your application online, please visit our submission portal:
Ensure that you have all required documents scanned and ready for upload.
“Experience the convenience of our ATM and POS services. Enjoy easy access to your funds and smooth payment processing, whether using an ATM or a POS terminal. Discover how our solutions simplify your financial transactions.”
Requirements:
1. Copy of a valid ID (Voter Card, ID Card, Passport, etc.).
2. Account Details.
Transaction Limits:
1. Daily ATM withdrawal limit: Up to $2,000.
2. Daily POS transaction limit: Up to $2,000, but may vary based on merchant policies.
3. Limits are subject to change and may vary based on: account type and bank policies.
Capabilities:
Cash Withdrawals: Access your funds anytime.
Balance Inquiries: Check your account balance easily.
Deposits: Deposit cash or checks at select ATMs.
Fund Transfers: Move money between accounts.
PIN Change: Securely update your ATM PIN.
Mini Statements: Print recent transaction summaries.
Bill Payments: Pay bills directly from the ATM.
Mobile Recharge: Top up your mobile phone.
P24 Network Support: Use P24 Cards at ATMs and POS systems.
Language Options: Conduct transactions in multiple languages.
Benefits:
Convenient 24/7 Access: Manage your finances at any time.
Global Reach: Access funds worldwide with compatible networks.
Enhanced Security: Enjoy secure, PIN-protected transactions.
Comprehensive Services: Perform a variety of banking tasks conveniently.
P24 Cards: Supported at both ATM and POS systems that are part of the P24 network, facilitating easy access to funds and seamless payments.
UPI Cards: Enabled for transactions at UPI-supported ATMs, POS terminals, and online platforms, providing quick and secure access to funds through convenient tap-and-swipe functionality. UPI cards also support international payments, allowing for seamless global transactions across different currencies and regions, ensuring a safe and reliable payment experience wherever you go.
Forms:
“As a mechanism to facilitate bank transactions through internet network. Internet banking will facilitate bank transactions and provide other services such as transfers, payment, check account balance, print bank statement and other services without the need to visit bank branch offices, and is available 24 hours at any location.”
Access:
Your Online Banking Journey Begins Here:www.ibanking.bnctl.tl with BNCTL!
Benefits:
Convenience: Access banking services 24/7 from anywhere and avoid queues at bank branches.
Efficiency: Quick and easy funds transfer and bill payments and immediate access to account information.
Security: Enhanced security measures to protect user data and transactions.
Savings: Save on travel costs and time by handling banking transactions remotely.
Security and Tips:
1. Secure login with PIN, password, or biometric authentication (such as fingerprint or face recognition).
2. Real-time alerts for transactions.
3. Always log out after using internet banking.
4. Do not share your login credentials with anyone.
5. Regularly update your password.
6. Be cautious of phishing emails and scams.
Requirements:
1. One photo of size 3x4 with a background color.
2. One copy of the electoral card and identity card.
3. One copy of bank account details.
Features:
Account Management
Funds Transfer
Standing Order
Bill Payments
Mobile Top-Up
Account Statement
Bulk Payment
“As a mechanism to facilitate bank transactions through mobile network, mobile banking will facilitate bank transactions and provide other services such as transfers, payment, check account balance, print bank statement, and other services without the need to visit bank branch offices, and is available 24 hours at any location.”
Benefits:
Convenience: Access banking services 24/7 from anywhere and avoid queues at bank branches.
Efficiency: Quick and easy funds transfer and bill payments and immediate access to account information.
Security: Enhanced security measures to protect user data and transactions.
Savings: Save on travel costs and time by handling banking transactions remotely.
Security and Tips:
1. Secure login with PIN, password, or biometric authentication (such as fingerprint or face recognition).
2. Real-time alerts for transactions.
3. Always log out after using internet banking.
4. Do not share your login credentials with anyone.
5. Regularly update your password.
6. Be cautious of phishing emails and scams.
Requirements:
1. One photo of size 3x4 with a background color.
2. One copy of the electoral card and identity card.
3. One copy of bank account details.
Features:
Account Management
Funds Transfer
Standing Order
Bill Payments
Mobile Top-Up
Account Statement
“The primary objectives of the Banking Agency Procedure are to provide a clear guideline for processing banking agency services, ensure compliance with Banco Central de Timor Leste's Circular 14/2015 regarding banking agencies without branch offices, and promote financial inclusion through digital services. This involves contracting individuals or businesses as banking agencies to deliver services via electronic devices like POS machines and smartphones, thereby extending banking access, fostering financial literacy, and serving both existing and potential BNCTL clients in remote and urban communities.”
The Banking Agent for BNCTL will provide the following services:
1. Deposits (keeping money)
2. Withdrawals, including for retirement and social benefits
3. Transfers (between BNCTL accounts)
4. Issuing mini bank statements
5. Reprinting receipts
6. Balance inquiries
7. Other services approved by BCTL
|
Fee Services |
Fee |
|---|---|
| Deposit | USD 1.00 |
| Withdrawal , including retirement and other social benefits | USD 2.00 |
| Transfers (between BNCTL Accounts) | USD 2.00 |
| Mini bank statement issuance | USD 0.25 |
| Reprint receipt | USD 0.25 |
| Balance inquire/consult balance | USD 0.25 |
To apply for a BNCTL Banking Agency, you must:
Criteria:
1. Be Timorese with good character and financial capacity.
2. Have a BNCTL account with at least USD 5,000.00.
3. Own a business for 2+ years, with a permanent location (no wholesale).
4. Not be an agent for another bank.
5. Own and know how to use a smartphone.
Documents:
New clients: Electoral card/ID/passport, Business License, Registration Certificate, Debt Certificate.
Existing clients: Register directly with BNCTL if using POS facilities.
|
Transaction Limit |
Amount |
|---|---|
| Minimum transaction value per day | USD 1.00 |
| Maximum transaction value per day | USD 1,000.00 |
“As a notification services to facilitate clients and ensure and monitor your bank account through messages for some types of transactions within your account. Can be applicable online.”
Stay Informed:
Stay Secure with BNCTL SMS Alerts!
Benefits:
Real-time Updates: Receive immediate notifications about account activities, such as deposits, withdrawals, and transfers.
Enhanced Security: Stay informed about transactions to quickly identify any unauthorized activity.
Convenience: Access account information without needing to visit a bank branch or log into online banking.
Account Monitoring: Easily track spending and manage finances with timely alerts.
Payment Reminders: Get reminders for upcoming due payments, helping to avoid late fees.
Requirements:
1. One photo of size 3x4 with a background color.
2. One copy of the electoral card and identity card.
3. One copy of bank account details.
Forms:
More Affordable and Comprehensive - Simplify Your Banking Experience!
UnionPay Card Requirements:
BNCTL Account – Simple, Safe, and Reliable!
Electoral Card and Identity Card or Passport – Requirement is easy to meet!
UnionPay card cost:
New Card: USD 4.00 – Cheap card with great benefits.
Renewal: USD 2.00 – Savings for loyal customers! Loyal!
Cost of UnionPay card service at ATM Machine:
Balance consultation (domestic and foreign): USD 0.15 – Maintain and control your finances!
Domestic withdrawal: USD 0.25 – Practical and affordable.
Overseas Withdrawal: USD 5.00 – International flexibility for the global customer!
Cost of UnionPay card service at POS Machine:
Merchant payment (domestic): USD 0.15 – Simple and cheap tariff!
Merchant payment (overseas): USD 0.15 – Comfort for the traveling customer.
Online payment: USD 0.15 – Ideal for digital and modern customers!
Get UnionPay Card with explorer benefits:
1. Worldwide access!
2. Safe, fast, and confidential transactions.
3. Ideal for travelers and international students!
Quickly approach the BNCTL Branch or Agency now!
Note: Get a card with benefits to give your finances freedom. BNCTL-UnionPay – Our global partner!