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
- Panama Office
- o Minimum Opening Amount US$10,000.00
- Miami Office
- o Minimum Opening Amount US$50,000.00
- 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
- Copia de dos (2) identificaciones vigentes de los titulares. (Cédula y pasaporte o licencia de conducir)
- Copia de (1) identificación vigente de cada beneficiario (Cédula y pasaporte, o licencia de conducir)
- Dos Referencias Bancarias dirigidas al Bicsa por cada titular del producto
- Último recibo de luz o teléfono donde indica la dirección física de la residencia
- Documentos de respaldo que sustente el origen de los fondos
- Carta de trabajo y/o Declaración de Ingresos
- Formularios del Banco
Plazo | Tasa |
---|---|
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 |
*Tasas de Referencia sujetas a cambios por condiciones de mercado
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
- Applies only to the Miami office
- 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.

Preferred Account Now
PREFERRED ACCOUNT NOW
A checking account that generates monthly interest, by combining the benefits of a Current account and an investment account. The Now account provides the convenience of an unlimited number of checks in addition to a monthly transaction statement. It applies for individuals and non-profit organizations.
Conditions
- Exclusive for the Miami Agency.
- Minimum Opening Amount US$50,000.00
Benefits
- Spin without restriction on the number of transactions
- Access to your account for consultations and transfers through our 24/7 Online Banking from anywhere in the world.
- Certified and Cashier checks.
- A wide line of correspondents for your transfers and payment orders.
- 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 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 Preferred account now, 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
- Panama Office
- Minimum Opening Amount US$3,000.00
- Miami Office
- Minimum Opening Amount US$50,000.00
- Allows up to 6 debits or monthly transfers
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.

Current Account
CURRENT ACCOUNT
At BICSA, you can open your personal Current account, manage your funds, and make payments by means of checks or transfers.
Conditions
- Panama Office
- Minimum Opening Amount: US$2,000.00
- Miami Office
- Minimum Opening Amount: US$25,000.00
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 Current Account – Private Banking, write us at this email and one of our executives will communicate with you.

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