Regular Fixed-Term Deposit
Regular Fixed-Term Deposit
Our customers can invest their capital in a safe and reliable way and obtain attractive rates by opening fixed-term deposits and securing their capital for a stipulated period of time.
Conditions
- Minimum Opening Amount US$10,000.0
- Terms from 30 days to 5 years
- Interest rates according to the term
Benefits
- Support from a banking institution with the highest rates of financial soundness
- Access to your account for inquiries and transfers using our Online Banking 24 hours a day and from anywhere in the world
- Availability to use your term deposit as collateral for bank credits
- Attractive yields
Requisitos
- Copy of two (2) current identifications of the account signer. (ID and passport or license)
- Copy of (1) valid identification of each beneficiary (ID and passport, or driver’s license)
- Two Bank References addressed to BICSA by each account signer
- Copy of the last electrical or telephone bill where it indicates the physical address of the residence of each of the account holders
- Supporting documents specifying the origin of the funds
- Employment verification letter and/or Income verification letter
- Bank forms.
Term | rate |
---|---|
30 días | 0.50 |
60 días | 1.00 |
90 días | 1.50 |
180 días | 2.00 |
1 año | 3.00 |
2 años | 3.25 |
3 años | 3.75 |
4 años | 4.00 |
5 años | 4.50 |
*Reference Rates Subject to change due to market conditions.
Further information
To obtain further information on Regular Fixed-Term Deposit – Private Banking, write us at this email and one of our executives will communicate with you.

Preferential Savings Account
PREFERENTIAL SAVINGS ACCOUNT
Conditions
- Minimum Opening Amount: $250.00
Benefits
- Online Banking services with access to your account 24/7 from anywhere in the world – account balances, inquiries and funds transfers.
- Certified checks and Official checks
- We offer a wide selection of correspondent banks for transfers and payment orders
- Key card activation, local access across the network of regional and international points of sale and ATMs Bank Drafts
Requirements
- Copy of two (2) current identifications of the account signer. (ID and passport or license)
- Copy of (1) valid identification of each beneficiary (ID and passport, or driver’s license)
- Two Bank References addressed to BICSA by each account signer
- Copy of the last electrical or telephone bill where it indicates the physical address of the residence of each of the account holders
- Supporting documents specifying the origin of the funds
- Employment verification letter and/or Income verification letter
- Bank forms.
Further information
To obtain further information on Preferential Savings Account – Private Banking, write us at this email and one of our executives will communicate with you.

Checking Account in Foreign Currency
CHECKING ACCOUNT IN FOREIGN CURRENCY
A call checking account that allows you to keep your funds in the foreign currency of your choice to make your payments and receive commercial or personal remittances.
We offer accounts in the following currencies:
- EURO (EUR)
Conditions
- Applies only to the Panama office
- Minimum Opening Amount:
Minimum Amount EUROS | EUR 1,500.00 |
Benefits
- Access your account, make inquiries and transfers using our 24 hour a day Online Banking from anywhere in the world.
- We offer a wide range of correspondent banks for transfers and payment orders
- Mitigation of exchange risk by having funds in the designated currency.
- Receipts and payments in foreign currency
Requirements
- Copy of two (2) current identifications of the account signer. (ID and passport or license)
- Copy of (1) valid identification of each beneficiary (ID and passport, or driver’s license)
- Two Bank References addressed to BICSA for each account signer
- Copy of the last electrical or telephone bill where it indicates the physical address of the residence of each of the account holders
- Supporting documents specifying the origin of the funds
- Employment verification letter and/or Income verification letter
- Bank forms.
Further information
To obtain further information on Checking Account in foreign currency, write us at this email and one of our executives will communicate with you.

Money Markets Accounts
MONEY MARKETS ACCOUNTS
Now your checkbook earns interest!
The Personal Money Market Account is a tiered rate interest bearing checking account designed for clients with high account balances payable monthly at competitive rates. Rates are paid based on the level of funds maintained.
Conditions
- Minimum Opening Amount US$3,000.00
Benefits
- Access to your account for consultations and transfers using our 24/7 Online Banking from anywhere in the world.
- Certified and Cashier checks.
- A wide range of correspondents for your transfers and payment orders.
- Activation of the Key Card, providing local access across the network of local and international sales points and ATMs.
- Interest paid on balance
Requirements
- Copy of two (2) current identifications of the account signer. (ID and passport or license)
- Copy of (1) valid identification of each beneficiary (ID and passport, or driver’s license)
- Two Bank References addressed to BICSA for each account signer
- Copy of the last electrical or telephone bill where it indicates the physical address of the residence of each of the account holders
- Supporting documents specifying the origin of the funds
- Employment verification letter and/or Income verification letter
- Bank forms.
Further information
To obtain further information on Money Market Accounts – Private Banking,
write us at this email and one of our executives will communicate with you.

Checking Accounts
CHECKING ACCOUNTS
At BICSA, you can open your personal Checking accounts, manage your funds, and make payments by means of checks or transfers.
Conditions
- Minimum Opening Amount: US$2,000.00
Benefits
- Access to your account for inquiries and transfers via our Online Banking 24 hours a day and from anywhere in the world
- Access to your account for consultations and transfers using our 24/7 Online Banking from anywhere in the world.
- Certified and Cashier checks.
- A wide range of correspondents for your transfers and payment orders.
- Activation of the Key Card, providing local access across the network of local and international sales points and ATMs.*Applies only to the Panama Office.
Requirements
- Copy of two (2) current identifications of the account signer. (ID and passport or license)
- Copy of (1) valid identification of each beneficiary (ID and passport, or driver’s license)
- Two Bank References addressed to BICSA for each account signer
- Copy of the last electrical or telephone bill where it indicates the physical address of the residence of each of the account holders
- Supporting documents specifying the origin of the funds
- Employment verification letter and/or Income verification letter
- Bank forms.
Further information
To obtain further information on Personal Cheking Accounts – Private Banking, write us at this email and one of our executives will communicate with you.

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