Protect your savings more robustly

The Exchange Rate Gains account provides you with the means to protect your capital against variations in the Kwanza exchange rate against the USD through indexing your capital to the American dollar (exchange rate coverage). Additionally, clients also benefit from a fixed rate.

This account is designed for companies and individuals that have expenditures in international currencies and wish to protect part of their savings and correspondingly minimise the impacts of variations in the exchange rate.

This account has maturities of either 6 or 12 month available so as to best align with the needs of each clients.

For further information on the maturities, interest rates and investment amounts.


​Technical Details Serie 30.1

Technical Details Serie 30.2



Calculation of interest rate

Postponed interest rate payments, calculated according to the initial capital amount and calculation of Current/365.

The account remuneration rate involves both a variable interest rate component, which corresponds to the Akz exchange rate variation against the USD during the term of the deposit, in addition to a fixed rate.

The variable interest rate has a maximum limit defined for each period.

The interest rate is calculated by the following formula:

Interest rate = Capital *Time*Rate/365 days

Payments of interest

Interest accredited to the client’s current account.

There is no capitalisation of interest.

Additional deposits

No further deposits may be made to the account.


Renewals are not allowed.

New applications are dependent on bank decisions to keep this product on the market that, in turn, directly interrelates with market conditions.

Subscription charges


Redemption charges



Security: safeguard your capital from variations in the national currency

Rate of return: the effective interest rate may be higher than that prevailing for traditional Term Deposits


Interest payments are subject to the IAC tax at the rate of 10% calculated and debited from the current account at the time of interest payments.

Service Channel

Branches/ Private Banking or Company Centres


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Rua 1º Congresso do MPLA nº 8,

Ingombota - Luanda

Attendancee: Monday to Friday from 08:00 to 18:00

(+244) 222 693 600

(+244) 222 693 610 

(+244) 923 166 266 


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