Transparency · Schedule effective August 1, 2026
Rates and fees
All our savings, loan and exchange rates, along with the group’s complete fee schedule. Published in gourdes, with no hidden fees.
Schedule effective August 1, 2026. Any change is announced thirty days before it takes effect.
Savings and investment rates
Gross annual rates, compounded at maturity. Interest is credited in gourdes.
| Product | Minimum deposit | Term | Annual rate |
|---|---|---|---|
| Community savings | 500 G | On demand | 3% |
| Regular savings plan | 1,000 G / month | 12 months | 5% |
| Term deposit | 25,000 G | 6 months | 6% |
| Term deposit | 25,000 G | 12 months | 7.5% |
| Term deposit | 100,000 G | 24 months | 9% |
| US dollar account | US$250 | On demand | 1.5% |
Withdrawing a term deposit before maturity forfeits the interest accrued in the current quarter.
Loan rates
Indicative annual rates. The annual percentage rate, including the application fee and mandatory insurance, is provided in writing before signing.
| Credit line | Amount | Term | Indicative rate |
|---|---|---|---|
| Seasonal farm loan | 15,000 – 500,000 G | 6 – 12 months | 12% |
| Solidarity micro-loan | 5,000 – 75,000 G | 3 – 12 months | 15% |
| Housing loan | 100,000 – 2,000,000 G | 2 – 7 years | 14% |
| SME & trade loan | 50,000 – 3,000,000 G | 6 – 36 months | 16% |
| School fees loan | 10,000 – 150,000 G | 10 months | 10% |
| BACCA Gold credit card | Based on income | Revolving | 18% |
Application fee: 1% of the amount granted, capped at 5,000 G and waived below 50,000 G. No early repayment penalty.
Indicative exchange rates
Rates shown for information only, updated every business day at 9 a.m. The rate applied is the one in effect at the time of the transaction.
| Currency | Buy | Sell |
|---|---|---|
| US dollar (USD) | 131.50 G | 133.90 G |
| Dominican peso (DOP) | 2.15 G | 2.32 G |
| Euro (EUR) | 142.10 G | 145.60 G |
| Canadian dollar (CAD) | 95.40 G | 98.20 G |
US dollar: rate of October 19, 2026 set by the bank, applied to transfers between your HTG and USD accounts in online banking.
Exchange transactions above US$5,000 require proof of the source of funds, in line with anti-money-laundering obligations.
Group fee schedule
Excluding regulatory taxes. Operations not listed are free of charge.
| Operation | Fee |
|---|---|
| Account opening | Free |
| Current account maintenance | 150 G / month |
| Savings account maintenance | Free |
| Cash deposit to your own account | Free |
| Withdrawal at a BACCA counter | Free |
| Out-of-network withdrawal | 50 – 75 G |
| Transfer within the group | Free |
| Receiving a Zantray transfer | Free |
| Debit card issuance | 350 G / year |
| BACCA Gold card issuance | 2,500 G / year |
| Card replacement after loss | 250 – 400 G |
| Card stop | Free |
| Paper account statement | 75 G |
| Balance certificate | 150 G |
| Account closure | Free |
Members of a MOFEMTÈD group or of an association affiliated with CAPAH pay no current account maintenance fee.
A question about a fee?
Our advisors explain the total cost of a transaction or a loan free of charge, repayment schedule in hand, before you commit to anything.