In this article we will explain how to open a BNC dollar account It will be explained in detail how it is possible to obtain a bank account in foreign currency, the requirements that must be recorded, as well as the opinions of the experts regarding this topic.
BNC dollar account
According to the official gazette number . 40.109 Resolution 13-02-01 published by the Central Bank of Venezuela (BCV) establishes that accounts in dollars can be opened in the nation, following the necessary instructions for opening an account and carrying out the operations or procedures permitted for said account in currency. foreign.
Natural persons who wish to open an account in dollars must be of legal age and must reside within the country, in the case of legal entities they may or may not be in the country. In this way, in both cases, they will be able to have foreign currency accounts and will be governed by the terms of the universal banks of Venezuela.
Those who have foreign currency accounts have the ability to receive or send fund transfers from abroad in foreign currency to the various banking entities that live abroad. On the other hand, remittances can be sent to relatives who are not resident in the country, pensions and retirement benefits can be collected from abroad, payments can be made to international organizations, professional services can be contracted abroad, income paid for investment in financial instruments as well as being able to cancel the capital of the same, however, it must be taken into account that the maximum to make a transfer or a deposit in the accounts in dollars is $2000 per month.
The funds that are in the accounts in dollars can be mobilized partially or totally in bolivars and the amount generated will depend on the exchange rate in force at the time of making the withdrawal. On the other hand, transfers can also be made to accounts abroad, either of the owner or of third parties, in this type of account deposits of checks that are drawn by a correspondent abroad, debit for payment of expenses of consumption and withdrawals made with debit cards abroad.
Those people who are holders of accounts in dollars will not be granted checkbooks to make payments within the nation or abroad, cash withdrawals or advances can be made at ATMs abroad, as well as it can be done at the time the Central Bank of Venezuela authorizes it through established regulations.
Not only in the BNC can you have accounts in dollars in Venezuela, many more financial entities allow it and those institutions are:
- Bank of Venezuela
- bicentenary Bank
- Treasure bank
- Agricultural Bank of Venezuela
- International Development Bank
- Banesco
- Provincial
- Trade
- BOD
- Body exterior:
- bancaribbean
- Common Fund
- Venezuelan Credit Bank Caroní
- Citibank
- Sofitasa
- From the south
- Active Bank.
Requirements to open an account in dollars in BNC
We are going to know below what are the requirements that must be met in order to open an account in dollars within the BNC bank and they are the following:
- Be of age
- Original and Photocopy of the Identity Card for the case of Venezuelan natural persons, foreigners residing in the country.
- Original and Photocopy of the Passport for foreign natural persons not resident in the country
- Original and photocopy of the Single Registry of tax information (RIF)
- Original of one (1) bank reference with the issuing bank as indicated below.
- Two (2) personal/non-family references
- A commercial reference (not mandatory)
- There is no minimum amount required for opening.
Expert opinions
At this point we are going to know the opinion issued by Oscar Cañas, an expert on the subject, as to what we should keep in mind about the dollar accounts that are issued by the BNC bank and what should be considered if we want to open one or if we already have one. the same in which he can contribute to us and what benefits we can get from it, we are going to know what he expresses:
What does the dollar account consist of?
The dollar account is a form of investment and an alternative for many merchants in our country. Expenditure is dollarized, it is presumed that dollarization will soon be legalized in our nation, and merchants and suppliers are preparing to deal with this new and unprecedented situation.
Are you looking for the BNC as an ally? We will gladly assist you. What does this account consist of? The interested party must have a national account that is six months old in order to subsequently open the account in dollars and euros for natural or legal persons.
We do not currently have a defined opening amount, we do not have an interest calculation for now, or an account maintenance fee or anything like that, what is being charged is a 2% transaction fee for both withdrawal and transfer.
Another option that we have is that we are also managing it so that the client buys and sells currencies. How is this done? The merchant offers an amount in foreign currency and it is quoted through the BCV, at that rate the client pays the merchant.
Can natural persons open accounts in dollars?
Natural persons can open an account as long as they are national clients and comply with the license for 6 months. Currently we are working nationally from BNC to BNC, that is for now. The collections are the same, personal references, commercial references, bank references, there is nothing extraordinary.
Register on the BNC Web Platform
We are going to explain at this point how the registration process is in the bank's web platform in order to enjoy all the benefits that use of it provides, then we will indicate the steps to follow:
- The first thing to do is access the Bank's web portal BNC and followed by entering the BNC NET option and selecting people.
- We will see that a new window opens automatically where the BNC NET option generates them and when using this option it will be possible to observe how the screen is displayed in 2 fields.
- To continue with the process, you must enter the number of the card associated with the account as well as the password with which you wish to enter the system. Once you have filled in these fields, click on the continue button.
- If any of the data is not correct, we must bear in mind that the system will not continue with the process and will not access the user.
- In the opposite case that everything you enter is correct, you will be able to enter it and you will have the opportunity to carry out the various procedures within the platform without any inconvenience, such as checking the available balance in your account and much more.
If at any time we require customer service due to a problem related to our account, we can contact the bank's telephone service directly, the number to call is as follows: 0500-2625000.
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