A Bank Representative performs the duties as a legal official of the Bank as laid down in BNA Notice No 18/22, whose primary role is to provide a feasible and reliable customer service option for clients located in remote areas (with no or limited access to banking services), as well as in urban areas.

The Bank Representatives' core function is to provide support and assistance to the financial institutions in their efforts to promote financial inclusion, attract new customers and enable them to provide basic banking services.

Available services:

• Account opening
• Deposits
• Withdrawals
• Account and Balance Enquiry
• Wire Transfers (interbank and intra-bank)
• Issuance of duplicate documents

BFA Banking Representative advantages:

• Earn additional income (according to the volume of transactions/business)
• Active engagement in the financial inclusion process
• Increased Customer Traffic (potential sales growth)
• Business Exposure
• Technology tools and training offered by BFA
• Exclusive Support Team for Bank Representative follow-up

Access Criteria:

• Being a BFA Customer with an active and up-to-date account;
• Having the company's legal status in order (documentation and activities in compliance with the legislation in force);
• To carry out an economic activity and have the technical, human and financial means required to perform the occupation;
• Have permission to consult the Credit Risk Information Centre (CIRC)
• Have no record of credit default incidents in the CIRC or in any other Credit Information System with a record of non-compliance;
• To submit a Service Request Letter with a declaration of understanding and acknowledgement towards the regulations in force regarding the business activity and a commitment to ensure compliance with such regulations (BNA Notice no. 4/22, dated 3rd February);
• Have an official accounting record or submit an Invoicing File Log;
• Provide an updated Commercial Registry Certificate;
• Provide the License to carry out the business activity (Commercial Permit, Declaration issued by the relevant Authority, Certificate);
• Submit any powers of attorney, if applicable;
• Identification of the organisation's legal representatives and account signatories;
• Regulated Tax Statements (AGT) or proof of payment of the last taxes settled;
• Updated Financial Statements from the last financial year (or Invoicing/Balance Sheet Statements);
• Statement of Good Reputation (signed by the managers and partners).

Contractual adhesion form:

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For more information, contact: gabinete.agente.bancario@bfa.ao