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BACCABANK

Payment methods · Prepaid, debit & credit

Pay, withdraw and receive money without carrying cash

6 BACCA cards cover every need, from receiving a family transfer to drawing on an entrepreneur’s investment line. Issued in gourdes, national network, free card stops.

Compare our cardsSee the fees

Payment methods

3 personal cards for 3 different needs

All our cards are issued in gourdes and work on the BACCA network and at affiliated merchants. US dollars are available on the debit card and the Gold card.

No account needed

BACCA prepaid card

Top it up at a branch or at a Zantray agent. Ideal for receiving a transfer from the diaspora without opening a current account.

Annual fee
Free
Limit
100,000 G
Top-up
Branch · Zantray agent
ATM withdrawal
25 G per transaction
  • No overdraft possible
  • Can be topped up by someone abroad
  • Replaced within 48 hours if lost

Current account

BACCA debit card

Linked to your current account: payments at affiliated merchants, cash machine withdrawals and secure online purchases.

Annual fee
350 G / year
Withdrawal limit
40,000 G / day
Online payment
Included (3-D Secure)
BACCA network withdrawal
Free
  • Balance and transactions available by text message
  • Instant blocking from the app or by phone
  • Usable in gourdes and US dollars

Subject to approval

BACCA Gold credit card

A revolving credit line with thirty days’ deferred payment, granted according to your income and your history with the group.

Annual fee
2,500 G / year
Limit
Based on income
Deferred payment
30 days interest-free
Rate thereafter
18% / year
  • BACCA travel insurance free for the first year
  • Detailed monthly statement by email
  • Limit reviewed after six months of regular use

New cards · Business use

3 cards for those who produce, sell and invest

These cards are linked to the network’s business accounts. They track every expense by business category and give access to financing from the matching credit line.

Merchants & markets

Commercial Card

A payment and collection card for the network’s merchants: paying suppliers, collecting from customers and tracking revenue.

  • Supplier payments and merchant collections
  • Higher limits with proof of business activity
  • Linked to the Commercial account

Issuance fee: On request

Entrepreneurs & project owners

Investment card — Business owner

Reserved for Entrepreneurship account holders: it draws on the investment line granted and tracks every project expense.

  • Draws on the investment line granted
  • Expenses tracked by project item
  • Dedicated statement for financial partners

Issuance fee: On request

Farmers & value chains

Agricultural credit card

A seasonal credit card: buy inputs and approved services from the network’s suppliers, and repay after the harvest.

  • Input purchases from approved suppliers
  • Repayment timed to the sale of the harvest
  • Can be combined with ASA-H crop insurance

Issuance fee: On request

Applicable fees

Schedule effective August 1, 2026, excluding regulatory taxes. Any change is announced thirty days in advance.

Applicable fees
OperationPrepaidDebitGold
Card issuanceFree350 G2,500 G
BACCA counter withdrawal25 GFreeFree
Out-of-network withdrawal75 G50 G50 G
Payment at a merchantFreeFreeFree
Balance inquiryFreeFreeFree
Replacement after loss250 G400 G400 G
Card stop / blockingFreeFreeFree

Withdrawal limits may be adjusted temporarily by the Bank of the Republic of Haiti. See the Rates & fees page for the group’s full fee schedule.

Keeping your payments secure

What we do

  • 3-D Secure authentication on online purchases
  • Round-the-clock monitoring of unusual transactions
  • EMV chip and PIN on every card
  • Immediate, free card stops, day and night

What we ask of you

  • Never share your PIN, not even with a bank employee
  • Check the amount before confirming at a merchant
  • Report any unrecognized transaction within 48 hours
  • Keep your phone number up to date at your branch

Lost or stolen card

Call the card service immediately. The stop is recorded online and confirmed by text message.

+509 5589-9549

Available 24 hours a day, 7 days a week.

Apply for your card

The prepaid card is issued the same day at a branch. Debit and Gold cards require a BACCA account and a valid ID.

Open an accountFrequently asked questions