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.

BICSA Plus Deposits
BICSA Plus Deposits
A term Deposit at preferential rate, where the customer can increase, reduce or cancel the deposit. Interest will be reflected on the statement on a monthly basis.
The request for cancellation/decrease must be made 30 days in advance. After term ends, cancelation or amount reductions are credited to the current account and/or the funds are sent according to the client’s request.
Additionally, the customer does not need to request the renewal monthly since it is automatically renewed.
Conditions
- Applies only to the Panama office
- Minimum Opening Amount: $150,000.00
Benefits
- Preferential interest rates.
- No instruction required as it automatically renews every 30 days.
- Allows increases at any time benefiting from the preferential interest rate.
- Online information available 24 hours a day.
- At maturity the customer can request transfer of funds or credit to their account
Requirements
- Articles of incorporation of the company and all the amendments made
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and signatories
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electrical or telephone bill
- Bank forms
Further information
To obtain further information on BICSA Plus Deposits – Corporate Banking, write us at this email and one of our executives will communicate with you.

Term Deposits in Foreign Currency
Term Deposits in Foreign Currency
At BICSA we offer you the option to diversify your portfolio with term deposits in foreign currency at competitive rates in the following currencies:
- Euros
Conditions
- Applies only to the Panama office
- Minimum opening amount: US$100,000.00
- Terms from 6 months to 3 years
- Interest paid at maturity of the deposit
- Collateral loans on deposits are not allowed Quotes will be subject to change
Benefits
- Access to your account to make inquiries and transfers via our Online Banking 24 hours a day and from anywhere in the world.
Requirements
- Articles of incorporation of the company and all the amendments made
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and signatories
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electricity or telephone Bill
- Bank forms
For Private Investment Company, the following requirements should be considered additional:
- Private Investment Company Regulations and amendments (if applicable)
- Legible copy of one (1) valid identification of the founders and beneficiaries of the Private Investment Company: Foreigners – passport / Panamanians – identity card
- Declaration of income or assets
Further information
To obtain further information on Term Deposits in Foreign Currency – Corporate Banking, write us at this email and one of our executives will communicate with you.

At Call Deposits
At Call Deposits
At Call Deposits for those customers who need to keep short term liquidity , now are able to obtain an attractive interest rate on said funds.
This Product allows the customer to increase, decrease , or cancel as needed. . Interest is payable on a monthly basis.
Conditions
- Applies only to the Panama office
- Minimum Opening Amount: $100,000.00
Benefits
- Support from a banking institution with attractive rates and financial soundness.
- Access to your account to make inquiries and transfers via our Online Banking 24 hours a day and from anywhere in the world.
- Availability of funds immediately.
- Attractive yields
Requeriments
- Articles of incorporation of the company and all the amendments made
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and signatories
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electrical or telephone Bill
- Bank forms
For Private Investment Company, the following requirements are considered:
- Company Regulations and amendments (if aplicable)
- Legible copy of one (1) valid identification of the founders and beneficiaries of the Private Investment Company: Foreigners – passports / Panamanians – identity card
- Declaration of income or assets
Further information
To obtain further information on At Call Deposits – Corporate Banking, write us at this email and one of our executives will communicate with you.

Regular Fixed-Term Deposits
Regular Fixed-Term Deposits
Our clients can invest their capital in a safe and reliable way and obtain attractive rates by opening a fixed term deposit by investing capital for a set period.
Conditions
- Panama Office
- Minimum opening amount $10,000.00
- Miami Office
- Minimum opening amount $50,000.00
- Terms from 30 days to 5 years
- Interest rate according to the term
Benefits
- Support from a banking institution with the highest financial soundness
- Access to your account for inquiries and transfers through 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
Requirements
- Articles of incorporation of the company and all the amendments made
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and * signatories. * Miami Office two (2) valid identifications required.
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electrical or telephone bill
- Bank forms
For Private Investment Company, the following additional requirements should be considered:
- Private Investment Company Regulations and amendments, if applicable
- Legible copy of one (1) valid identification of the founders and beneficiaries of the Private Investment Company: Foreigners – passport / Panamanians – identity card
- Declaration of income or assets
Fees for Regular Fixed-Term Deposit Placements
Term | Rate |
---|---|
30 days | 0.50 |
60 days | 1.00 |
90 days | 1.50 |
180 days | 2.00 |
1 year | 3.00 |
2 years | 3.25 |
3 years | 3.75 |
4 years | 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 Deposits – Corporate 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 Panama 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
Requeriments
- Articles of incorporation of the company and all the amendments made
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and signatories
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electrical or telephone bill
- Bank forms
For Private Investment Company, the following requirements are considered:
- Private Investment Company, Regulations and amendments, if applicable
- Legible copy of one (1) valid identification of the founders and beneficiaries of the Private investment Company: Foreigners – passports / Panamanians – identity card
- Declaration of income or assets
Further information
To obtain further information on Preferential Savings Account – Corporate Banking, write us at this email and one of our executives will communicate with you.

Loans Back to Back
Loans Back to Back
Guaranteed loans granted to clients who maintain current fixed-term deposits and who require a need for liquidity prior to the agreed date of the expiration of the fixed term.
Benefits
- Guaranteed credit facility with a fixed-term deposit.
Requirements
- Current fixed-term deposit with available balance to pledge
- Complete Application
- Promissory Note
- Pledge Contract
Further information
To obtain further information contact us at this email and one of our executives will communicate with you.

Online Banking
Online Banking
From your computer
Access your account and credit card information, carry out your banking transactions in an agile, safe and efficient way from anywhere in the world.
Check your accounts and credit card:
- Balances, account activity, and bank statements.
- General information about your accounts, credit cards, loans, leases and certificates of deposit.
- See check images
Transfer:
- Between internal bank accounts with immediate availability.
- SINPE Regional.
- Request local and international transfers.
Payments and others:
- Pay your bank loans and leases.
- Pay your credit card and get direct cash advances to your account, redeem points.
- Schedule frequent and future payments
Manage your products:
- Get online notifications and reminders of your account activity and operations.
- Use authorized signatures to carry out monetary transactions.
- Use account alias for easy account management.
- Request check stop-payments.
- Select a frequently used account to transact.
- Order checkbooks.
Benefits
- You will be able to access your account, loan, investment and credit card information quickly from the comfort of your home or office.
- Make use of SINPE Internacional and access the IBAN number for your accounts and credit cards.
- Manage company online banking Users with total independence.
- Have greater control of your account balances opting for a maximum transaction limit applicable to our digital channels.
- Redeem points from your Credit Card and get cash back into your bank account.
- Save your beneficiary accounts as favorites which you can use from our digital channels.
- Keep up to date with newsletters.
- Send us inquiries or suggestions.
Requirements
- Complete the e-Banking Affiliation Form or Application.
- Complete the Electronic Banking Agreement
Further information
To obtain further information on e-Banking, write us at this email and one of our executives will communicate with you.

Mobile Banking
BICSA Mobile Banking
App from your cell pone
Access your account and credit card information, carry out your banking transactions in an agile, safe and efficient way from anywhere in the world from your mobile device.
Check your accounts and credit cards:
- Balances, movements, account statements.
- General information about your accounts, credit cards, loans, leases and certificates of deposit.
Transfer to your favorites:
- Between internal bank accounts with immediate availability.
- SINPE Regional.
- Request local and international transfers.
Payments and others:
- Loans and leasing.
- To your credit card and make direct cash advances to your account.
Benefits
- You will be able to access your account, loan, investment and credit card information quickly from your mobile device.
- Make use of SINPE Internacional and access the IBAN number for your accounts and credit cards.
- Have greater control of your transactions by using an applicable maximum transaction limit on our digital channels.
- Send us inquiries or suggestions through the Procedures to the Bank.
Requeriments
- Complete the e-Banking Affiliation Form or Application.
- Complete the Electronic Banking Agreement.
Further information
To obtain further information on BICSA Mobile Banking, write us at this email and one of our executives will communicate with you.

Current Accounts
CURRENT ACCOUNTS
At BICSA, you can open your corporte Current account through which you can manage your resources and make number of payments through checks or transfers.
Conditions
Panama Office
- Minimum Opening Amount: US$2,000.00
Plaza Miami
- Minimum Opening Amount: US$25,000.00
Benefits
- Access to your account for consultations and transfers with 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.
Requirements
- Articles of incorporation of the company and all the amendments made.
- Current legal status
- Power of Attorney (if applicable)
- A valid identification of each of the dignitaries, owners and * signatories. * Miami Office two (2) valid identifications (required)
- Two bank references addressed to Banco Internacional de Costa Rica S.A
- Financial statements
- Last electrical or telephone bill
- Bank forms
For Private Investment Company, the following requirements should be considered additional:
- Private Investment Company, Regulations and amendments, if aplicable
- Legible copy of one (1) valid identification of the founders and beneficiaries of the Private Investment Company.
- Declaration of income or assets
Further information
To obtain further information on current accounts – Corporate Banking, write us at this email and one of our executives will communicate with you.

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