Do you have any questions?
Find bellow the most frequently asked
questions about BAI Personal Credit.
It is a medium-term credit for the purchase of durable goods or services that do not qualify for car or housing loans.
  • Use of credit for any purpose;
  • Concession limits and repayment term higher than that practiced in consumer credit modalities.
Up to the limit of the Client's debt capacity.
The interest rate for BAI Personal Credit is Luibor 1M + 3%.
  • Being a BAI Customer for at least 6 (six) months;
  • Having a salary domiciled for at least 3 (three) months;
  • Legal-employment relationship with an employer (public or private) for at least 6 (six) months confirmed with the existence of an Indeterminate Contract;
  • Letter of credit request (1);
  • Photocopy of the identity card (2);
  • Photocopy of the taxpayer card;
  • Salary consignment statement;
  • Photocopy of the last 3 (three) salary receipts;
  • Updated residence certificate or Address Confirmation Statement (3).

Guarantor documentation (4):

  • Guarantor Registration Form;
  • Photocopy of the identity card;
  • Photocopy of the taxpayer card;
  • Salary consignment statement;
  • Photocopy of the last 3 (three) salary receipts;
  • Updated residence certificate or Address Confirmation Statement;


Note 1: The application letter must mention: the type of credit; purpose; the amount; the credit guarantees to be offered;

Note 2: If the applicant is married under a regime of communion of acquired assets and / or there is a co-payment by the spouse, he / she must attach: (marriage certificate or statement of marriage; declaration of consent of the spouse; declaration of income; photocopy identity card, photocopy of taxpayer card).

Note 3: The address confirmation statement must be completed only if: the customer does not provide proof of the current address (proof of residence, water, electricity or telephone bill); or the address indicated on the identification document does not correspond to the customer's current address (one must attach the copy of the declarant's identification document and proof of residence to the address confirmation statement and fill out the account opening form to update the data.

Note 4: If the guarantor is married under a regime of communion of acquired goods, he / she must attach: (marriage certificate or statement of marriage; declaration of consent of the spouse; photocopy of the identity card; photocopy of the taxpayer card) .

  • Salary domiciliation;
  • Life insurance (valid for the duration of the credit);
  • Guarantor (BAI client with proven suitability and proven financial capacity and effort rate ≤ 50%).
Yes, there are. According to the BAI Operations Price List in force.
In credit products, VAT has replaced stamp duty. Previously, 0.7% were charged in fees in price lists, now 14% VAT will be charged.
Up to 35% of the monthly base salary earned by the client.

The effort rate corresponds to the percentage of the net income (in this case the salary) destined to the payment of the credit installment (or credits). The Bank must take into account other responsibilities that the interested party may have at BAI or other financial institutions. The effort rate is calculated according to the formula:

Effort rate = (Monthly financial charges / Income) x 100.

Ex: (Credit installment (s) 500 / Net salary 2000) / 100 = Effort rate 33.3

It will be made available by direct credit to the Beneficiary's Order.
The Bank will debit the monthly installments of capital and interest, directly from the borrower's salary account, in accordance with the debit authorization granted by them in the respective contract, on the same day or on the first business day after transfer made by the employer remuneration for that account.

Account domiciliation desk.


Still got some questions?
Contact our customer service:

If you need help with BAI Directo or with any of your cards, contact:

Ico Doc@1X

For information related to BAI Directo or want to report a situation

Ico Card@1X

Exclusive to subjects related to debit cards (service provided by Call Center EMIS)

Ico Plane@1X

For subjects related to VISA Cads (service provided by Call Center VISA) abroad.

For further information contact the nearest BAI branch.