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Banque Nationale de Credit review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Banque Nationale de Credit is a Haitian bank that suits savers and borrowers who want everything from one institution, and it has operated since 1979. Loans run HTG 15,000 to HTG 5,000,000 over 13 to 36, while the savings account runs a monthly fee of HTG 0 once a deposit of HTG 2,000 is held.

Key facts

Best for
Direct borrowing alongside easy access savings in Haiti, with no monthly charge on the account.
Loan amount
HTG 15,000 to HTG 5,000,000↗
Term
13 to 36 months↗
Credit check
Hard↗
Funding time
Loan set up within 24 hours↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Operate in Haiti with at least 1 year of activity and a known address; valid ID, proforma invoice, new vehicle; not on the banking system's bad-debtor list↗
Loan types
Personal, Business, Credit-line↗
Use cases
Home-improvement↗
Legal entity
Banque Nationale de Crédit↗
Headquarters
Haiti↗
Founded
1979↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Features
Credit line
Official website
bnconline.com

Savings

Minimum deposit
HTG 2,000↗
Access terms
Available 24/7 via bnconline.com; management fees after 12 months with no account movement↗
Monthly fee
HTG 0↗
Account kind
Easy access↗

Debit cards

Card type
Debit↗

Mortgages

Fixed period
15 years↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
WikidataX

Pros and cons

Pros

  • The bank lends in its own name rather than through a broker, with personal, business and credit line products in one place.
  • Free early repayment, so a loan can be cleared ahead of the agreed schedule without an extra charge.
  • The savings account runs a monthly fee of HTG 0 on a deposit of HTG 2,000, with a variable rate.
  • Support runs on email, phone and help centre, so help is not tied to a single channel.

Cons

  • A hard credit check is part of every application, so a decline is recorded and needs time to fade.
  • Repayment terms run 13 to 36, which suits shorter borrowing and leaves longer commitments to specialist lenders.
  • Management fees can apply to a savings account left dormant for a waiting period.
Banque Nationale de Credit

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Haitian savers who want an easy access account they can reach online at any time, with no monthly charge attached.
  • Borrowers buying or refinancing a home, or funding home improvement, since lending covers purchase, remortgaging and home improvement.
  • Businesses trading in Haiti that need a credit line alongside personal lending.

Who should look elsewhere

  • Borrowers wanting a much larger euro facility: Sofkredit lends €12,000 to €300,000, a far wider range than the sums on offer here.
  • Spanish borrowers after a euro credit line: Creduma ES lends in euro, from from €12,000.
  • Borrowers needing a long fixed mortgage term, since home lending here runs a fixed period of 15, while Cashspace serves a different market at PHP 500 to PHP 25,000.

The company behind it

Banque Nationale de Credit is the legal entity behind the brand, headquartered in Haiti and operating since 1979. It handles the lending, savings and card products itself, and support runs on email, phone and help centre, so borrowers and savers deal with one institution for questions on accounts and loans.

How Banque Nationale de Credit compares

Where Banque Nationale de Credit is available

Available
Haiti

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Banque Nationale de Credit?+

Lending runs HTG 15,000 to HTG 5,000,000 and spans personal, business and credit line loans. Repayment terms run 13 to 36, so the facility is built around shorter commitments. Home lending is separate, covering purchase and remortgaging over a fixed period of 15.

What do the fees and charges look like?+

The savings account is the cheaper part of the offer, with a monthly fee of HTG 0 on a minimum deposit of HTG 2,000 and a variable rate. Early repayment on loans is free, so settling a balance early carries no extra charge.

How fast is the money once I apply?+

Speed is the headline here: Loan set up within 24 hours. Applications run a hard credit check, and a business borrower also needs a proforma invoice and a new vehicle, so paperwork has to be ready before the file is opened.

Who is eligible to borrow?+

Applicants need to operate in Haiti, hold valid ID and a known address, and show a minimum period of trading. You also cannot appear on the banking system's bad-debtor list. The same requirements apply whether the loan is for personal or business purposes.

What kind of savings account is it?+

The savings account is an easy access account: a minimum deposit of HTG 2,000, a monthly fee of HTG 0 and a variable rate. It can be reached online at any time, and management fees can begin after a waiting period of no activity.

How do I reach support?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. Everyday spending runs on a debit card, so card questions and loan questions reach the same team rather than a separate helpdesk.

Can I repay a loan early?+

Free early repayment is available, so a loan can be settled ahead of the agreed schedule without an extra fee. With terms of 13 to 36, clearing the balance earlier stops the remaining balance carrying on for the whole period.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Banque Nationale de Credit

Banque Nationale de Credit

Direct borrowing alongside easy access savings in Haiti, with no monthly charge on the account.

9.4/10See alternatives