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Capital Bank Haiti review

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

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Our verdict

Capital Bank Haiti serves people in Haiti who want fee-free everyday banking alongside direct lending, with a monthly fee of HTG 0 on its easy-access savings account. It suits savers who want online access without a passbook, and borrowers looking for personal, car and secured credit from the same bank.

Key facts

Best for
Everyday banking in Haiti with savings, cards and lending handled by the same bank.
Monthly fee
HTG 0↗
Card type
Prepaid↗
Legal entity
Capital Bank SA↗
Headquarters
Haiti↗
Founded
1985↗
Support channels
Help-centre↗
Official website
capitalbankhaiti.biz

Loans

Term
36 months↗
Funding time
Response within 72 hours of receiving a complete application file↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Proof of address (EDH or DINEPA bill) plus 2 of 3 valid ID documents↗
Loan types
Personal, Car, Secured, Credit-line, Business↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Minimum deposit
HTG 500↗
Access terms
No passbook; free 24/7 online access and free online statements; interest capitalised monthly on average monthly balance↗
Account kind
Easy access↗

Mortgages

Fixed period
20 years↗
Maximum loan to value
80%↗
Purpose
Purchase, Home-equity↗

Credit cards

Card kind
Credit↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • The savings account carries a monthly fee of HTG 0 and a minimum deposit of HTG 500.
  • Online access runs round the clock, online statements are free, and interest is capitalised monthly on the average monthly balance.
  • The account kind is easy access, so savings can be drawn without waiting out a fixed term.
  • It lends directly across personal, car and secured, with 36 terms on personal credit, from the same bank as the cards.

Cons

  • Support runs through the help centre only, so account questions go through written guidance.
  • The savings rate is variable, so the return can move rather than stay fixed.
  • Mortgage lending tops out at a maximum loan to value of 80%, so larger deposits are needed for the same property.
Capital Bank Haiti

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Haitian savers who want easy-access savings with online statements and no passbook to maintain.
  • Borrowers for home improvement, car or mortgage needs who want the same bank to hold the deposit and the loan.
  • Card users who want a classic credit card or a prepaid local card tied to a savings balance.

Who should look elsewhere

  • Savers who want a guaranteed rate, because the account pays a variable rate.
  • Customers who rely on a passbook or branch statements, since the account works on online access and online statements.
  • Mortgage borrowers who need to borrow more than 80% of the property value.

Rates and terms

The savings account pays a variable rate, with interest capitalised each month on the average monthly balance. Balances sit in an easy-access account with online statements, so a passbook is not part of the deal. Personal lending from the same bank runs terms of 36, and the same terms apply across the personal credit range.

Who runs it

The provider is Capital Bank SA, headquartered in Haiti and founded in 1985. It works as a direct lender as well as a bank for everyday money, so deposits and borrowing sit with the same institution. Savings, credit and prepaid cards run alongside personal and mortgage lending. Customer questions are handled through the help centre.

How Capital Bank Haiti compares

Frequently asked questions

What does it cost to keep the savings account?+

The monthly fee on the savings account is HTG 0, and the account runs as an easy-access account with free round-the-clock online access and free online statements. Interest is capitalised monthly on the average monthly balance, and the rate is variable.

How much do I need to open the account?+

A minimum deposit of HTG 500 is required to open the savings account, and the monthly fee stays at HTG 0. The account is easy-access, not notice or fixed term, so money can be drawn out without waiting out a fixed period.

Who can open an account?+

Opening needs proof of address, such as an EDH or DINEPA bill, plus valid identity documents. Applicants should have those papers ready, and the savings account takes a minimum deposit of HTG 500 once eligibility is met.

What cards are on offer?+

There is a classic card for credit and a prepaid local card, so the card type is prepaid alongside a credit classic card. Both sit with the same bank as the savings account, which keeps the card and the balance together.

What kinds of loans are available?+

Loans run through the bank as a direct lender, covering personal, car and secured. Personal credit runs terms of 36, consumer credit is aimed at home improvement, and a response follows once a complete application file is received.

Can I borrow against a home purchase?+

Mortgage lending covers purchase and home equity, with a maximum loan to value of 80% and a fixed period of 20. It sits with the same institution that holds the savings account, so a borrower keeps deposits and borrowing with the same provider.

Where can I get help with the account?+

Support runs through the help centre, which handles customer questions. Since the bank also lends directly, account queries and borrowing queries go to the same provider, and the savings account keeps its records online.

Who runs the account?+

The account is provided by Capital Bank SA, a bank headquartered in Haiti and founded in 1985. It holds deposits, issues cards and arranges its own lending, so customers deal with the same provider across savings, cards and credit.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Capital Bank Haiti

Capital Bank Haiti

Everyday banking in Haiti with savings, cards and lending handled by the same bank.

9.0/10See alternatives