Banco Interatlantico review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Banco Interatlantico suits savers in Cape Verde who want a fixed deposit that renews and a bank that also lends, and it scores 3.8 overall. Money goes in for a set term, tops up at any time, and the interest lands at maturity in the order account.
Key facts
- Best for
- A fixed, renewable deposit for Cape Verde savers who can wait for the money at maturity.
- Headline rate
- 1.125%↗
- Rate type
- Fixed↗
- Term
- 12 months↗
- Minimum deposit
- CVE 100↗
- Access terms
- 12-month term, renewable; top-ups any time, interest calculated and paid at maturity and credited to the order account (conta DO)↗
- Account kind
- Fixed↗
- Legal entity
- Banco Interatlantico, S.A.↗
- Headquarters
- Cabo Verde↗
- Founded
- 1999↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- bi.cv
Loans
- APR
- 14.455%↗
- Loan amount
- CVE 50,000 to CVE 5,000,000↗
- Arrangement fee
- 2% with a minimum of CVE 1,500, plus I.S. in force↗
- Funding time
- Quick response↗
- Representative example
- TAEG of 14.455% for a CVE 500,000 loan over 60 months at a 12% rate↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Private individuals; account opened at BI and salary domiciled at BI required↗
- Origination fee (%)
- 2%↗
- Loan types
- Personal↗
Credit cards
- Rewards type
- None↗
- Audience
- Business, Students
Mortgages
- Purpose
- Purchase, Remortgage↗
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Top-ups are welcome at any time and the term of 12 renews, so the balance keeps working without a separate product.
- The starting deposit of CVE 100 keeps the entry point low.
- Support runs on email, phone and help centre for account questions.
- Personal credit from the same bank runs at an APR of 14.455% on amounts of CVE 50,000 to CVE 5,000,000.
Cons
- The headline rate of 1.125% sits below the site median of 3%.
- Interest is added at maturity rather than paid along the way, so the balance is committed for 12.
- Free early repayment is not available on the personal loan, and the origination fee there is 2% with a minimum of CVE 1,500, plus I.S. in force.
Who it suits
- Savers in Cape Verde who want a fixed rate and can hold the balance for 12.
- People who keep their salary and account at the bank, since lending needs both in place.
- Customers who want savings, a debit card and personal borrowing from one lender.
Who should look elsewhere
- Not Wise: its savings rate of 3.29% is higher than the 1.125% here.
- Not bunq: 3.01% is the headline rate on its savings, above this bank.
- Not Finteres: a rate band of 0% to 36% makes more sense if you are chasing the highest return.
How Banco Interatlantico compares
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Where Banco Interatlantico is available
- Available
- Cabo Verde
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate do I get on the deposit?+
The account pays a fixed headline rate of 1.125% on a fixed deposit, and the rate type is fixed. That sits under the site median of 3%, so the appeal here is the term and the easy access rather than the headline number.
How long do I have to leave the money?+
The deposit runs for 12 and then renews, so you can keep rolling it over at the same fixed rate. Top-ups are accepted at any time during the term, which lets you add money without opening a separate product.
How much do I need to put in?+
The minimum deposit is CVE 100, a small entry point for a fixed term product. Top-ups are accepted at any time, so the opening balance does not have to stay the same. Interest on the fixed rate is added at maturity rather than paid out periodically.
When is the interest paid?+
Interest is calculated on the balance, paid at maturity and credited to your order account, the conta DO, rather than paid monthly into your current account. That timing suits savers who are not drawing income from the account while it runs.
What kind of bank is this and who is it for?+
The legal entity is Banco Interatlantico, S.A., headquartered in Cabo Verde and founded in 1999. Its cards are aimed at business and student customers, and on the lending side it works as a direct lender.
Does the bank lend as well as save?+
Yes, personal credit is offered as a direct lender on amounts of CVE 50,000 to CVE 5,000,000 at an APR of 14.455%. Eligibility is limited to private individuals who hold an account at the bank and have their salary domiciled there, with consumer purchases and remortgaging as the stated purposes.
What fees and conditions come with the loan?+
The origination fee is 2% with a minimum of CVE 1,500, plus I.S. in force, and the rate charged on that fee is 2%. Free early repayment is not available, so settling the loan sooner does not reduce the cost. Funding is described as Quick response.
What card comes with the account?+
The card offered is a debit card on a local network, so it is built for everyday spending at home rather than travel. The rewards type is none, which means there is nothing back on your spending. It suits customers who want a plain way to pay.
Sources
- bi.cv/institucional checked September 26, 2026
Backs: Founded, Legal entity
- bi.cv/o-banco/contactos-rede-bi checked September 26, 2026
Backs: Headquarters, Support channels
“Telefone: + (238) 260 36 86 / 260 36 87 ... Email: acs@bi.cv ... Perguntas e Respostas - Consulte as nossas perguntas e respostas”
- bi.cv/particulares/cartoes checked September 26, 2026
Backs: Audience, Card type, Card network, Rewards type
- bi.cv/particulares/credito-pessoal checked September 26, 2026
Backs: Purpose
- bi.cv/particulares/credito-pessoal/8-credito-ao-consumo checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example
“Mercado alvo: Particulares. Documentacao exigida: Conta aberta no BI (proponentes, avalistas/fiadores); Salario domiciliado no BI”
- bi.cv/particulares/solucoes-financeiras/5-conta-bi-poupanca checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Prazo 12 Meses. Renovavel”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Banco Interatlantico
A fixed, renewable deposit for Cape Verde savers who can wait for the money at maturity.