Procedures and Services

Services provided to the population

Commercial Area

In this area, the products and services provided to customers are materialized; It is where the critical moments or moments of truth occur in the service quality process (customer-bank interaction).

It is the area where the bank's income is generated from the results of customer service, which may be natural or legal persons.

Natural persons: population over 18 years and TCP.

Legal persons: companies, CNA, CCS, UBPA, CCSF, CPA.

products

    Savings accounts

1.1 Demand accounts

    a) Ordinary savings
    b) Accounts for the future

1.2 Time deposits

    Fixed term
    Certificates of Deposit
    Magnetic cards
    a) Pensions
       b) Payroll.
    c) Savings account (CUP or CUC).
       d) Accounts in USD.
      e) Wholesale Cards

    

3- Other types of accounts:

    Current accounts
    Tax bank accounts

    Financing (credits)

    Social credits
    Credits for construction materials

      And / or labor.

    Perpetual surface law
    Credits for consumer goods
    Purchase of cooking module
    Credits for working capital.
    g) Investment credits.
    h) Credits for agricultural activity.



Products and services

    Electronic banking
    a) Remote banking. (Product)
    b) Mobile banking. (Service)
    c) Telephone banking
    d) ENZONA platform
    e) Payment gateway.
    Fundamental services provided to third parties:
    Payment to retirees.
    ONAT tax collection.
    Charging for electricity, telephone.
    Payment of farm leases.
    Issuance of home ownership titles.





Personal banking

Savings Account Modalities:

    Ordinary savings
    Accounts for the future
    Savings accounts in US dollars
    Savings accounts in Cuban convertible pesos

Fundamental operations in Savings Accounts:

    Opening
    Deposits
    Extractions
    Closing
    Transfer
    Loss or deterioration of notebooks

Personal banking

Short, medium and long-term deposit modalities:

    Fixed deposit
    Fixed-term deposit in national currency with advance payment of interest
    Certificate of deposit

The imposition terms are 3, 6, 12, 24, 36 and 60 months. Not extendable at maturity, nor does it admit the designation of beneficiaries. You can endorse third parties.

Business Banking

Portfolio of products and services Popular Savings Bank

Types of financing:

     Loans: When all the money is granted at once and it is amortized according to agreed terms.
     Lines of Credit (revolving and non-revolving): When the money is granted by intakes and deadlines are set for amortization.

These modalities are conditioned to the type of production process and can be requested for working capital or investments and there are also agricultural credits.

Commercial Area

Other products and services are also offered in Business Banking:

     Budgetary financing for livestock and agriculture: These activities are financed and the state budget assumes a percentage of the interest.

Financial Leasing: The Bank acquires a property in property that is leased to a client entity, which pays fixed fees according to the agreed term. Valid for the GELMA group of MINAGRI.

 Attention To Population

The population is served Monday through Friday from 8:00 am to 7:00 pm
Director: Carlos Luis Valenzuela Beruvides
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Telephone 45523939
Commercial Manager: Danisa Domínguez Acosta
Telephone 45522636/45523939
Savings Bank Manager: Annia rosa Sanchez Morena
Telephone 45523939
Effective Manager: Xiomara Rodríguez Del Valle
Telephone 45523939
Recovery Manager: Niurka Valenzuela Díaz
Telephone 45522669
Savings Bank Located in Cristina Between Andreanis and La Coste Cast March 13
Head of Savings Bank: Anneris Rodríguez Cabrera
Tannery Savings Bank Located in Real Between Tannery and Health
Head of the Savings Bank: Ana María Galido Herrera
Brisas del Mar Savings Bank located in Calzada Between Campiña and Palma
Savings Bank Manager: Mailin Bermude Batista
Camarioca Savings Bank Sito Carretera Matanzas,
Head of Savings Bank: Yanetsi Santos Pérez

Contacts

Municipal Branch; 45523939-45522636
Savings Bank March 13: 45 518951
Savings Bank Tannery: 45523858
Brisas del Mar Savings Bank: 45 523475
Camarioca Savings Bank: 45 668284

Main products and services offered by our bank.

The Banco de Crédito y Comercio is authorized, through its license, to offer universal banking services. Among these, financing services stand out, which guarantee a large part of the bank's income.

Bandec is considered the leading bank in serving the Cuban company for what it provides services such as: magnetic card accounts, cash services, transfers, checking accounts, letters of credit, means of payment. Financing with destinations for working capital or investments in various forms of credit: simple, lines of credit, credit lines, discounts.

We offer numerous services to the growing segment of private customers: change of ticket denominations, sale of stamp stamps, magnetic cards.

The activity of raising liabilities is structured in our bank based on a group of savings instruments in both currencies such as: savings accounts for the formation of funds by payment centers and for individuals, time deposits, fixed-term deposits with advance payment of interest and certificates of deposit, opening of collaborator accounts, current accounts and fiscal accounts for non-agricultural cooperatives and for own-account workers, transfers to individuals, of pensioners from the aid of the Spanish State, family remittances through FINCIMEX all directed to this segment.

In addition, loans are granted to natural persons for construction materials and payment of labor, for the purchase of food cooking equipment and attention is paid to the subsidized.

The self-employed sector, the cooperative and the agricultural sector have the possibility of also requesting credits for the development of their activity.

If the client has a Magnetic Card or is interested in having it, he can contact any branch of our province and request it and through the MULTIBANCA Card he can access our most innovative and innovative Electronic Banking services:

Virtual Bandec: which is a whole bank office on your computer, where you can operate with the bank if you need to go to our branches. Now available to legal entities and self-employed workers. It allows you to amortize bank loans, payroll accreditation, fund transfers, contributions to the budget, checkbook request, ONAT payments, voucher recovery, among other operations in real time from the comfort of your office or home at any time of the day. It can be connected from telephone lines, the National Intranet using the internet, Wifi points and the Young Computer Club.

The Kiosk: is another electronic channel that Bandec offers natural persons for the execution of transactions from their personal accounts. Each branch has a PC destined to provide this service and also the Young Computer Club can access it.

Telephone Banking: pay from your home the telephone bill, electricity, among others. It facilitates the payment of services and other operations from any phone.

Transfermóvil: The bank on the tip of your fingers! The bench that fits in your pocket. It is an android application or USSD codes (for non-android phones) that Bandec offers its clients so that they can quickly and safely carry out various operations with their accounts. It offers you the opportunity to operate from anywhere, enjoying the same benefits that you will find in any of our payment channels. To access the service, the customer must have a cell line, a RED debit card issued by Bandec and a Multibanca Matrix card. If you do not have both or one of the cards, you can request them at the bank branch where you operate your accounts.

Operating with magnetic cards is the most comfortable, safe and economic option, with which you can also make purchases in stores that have POS enabled, without the need to carry cash, obtaining a bonus for your purchases from 5% to 8% on designated dates.

As a complement to the accounts and financing services, non-bank services are offered, such as engineering control and appraisals that complete BANDEC's portfolio of services. Carrying out appraisals allows you to know the truth about your investments and assets, to know the real value of those resources that are the object of a negotiation and to evaluate the efficiency and performance of your assets. They apply to furniture and fixtures, land and buildings, machinery, tools and transport equipment and intangible assets, for tax reasons, sale of assets, expropriation for public interests, for insurance, for the granting of financing, the constitution of businesses , inheritance, mortgage, all kinds of control management, technical-economic controls, physical and documentary verifications.
 

ATM network (address, bills that you dispense and in which coins, a telephone or mail for that topic if you want to report something).

For any complaint or claim, call the Provincial Directorate of Bandec Matanzas at the Caja Department at 45 280099 or 45 245061 ext 131