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FAQs

Opening an Account

Vidanova e-Banking

Debit- & Credit Cards

General

What are the requirements to open a personal current/savings account?

  • A valid ID;

What are the requirements to open a corporate account?

  • A valid ID of all involved;
  • Excerpt of the Chamber of Commerce not older than 12 months (must be original);
  • Articles of Association;
  • Shareholders Register;
  • Business License;

What are the requirements to open a non-resident personal current/savings account?

  • Certified/Notarized Copy Passport;
  • Utility Bill;

What are the requirements to open a non-resident corporate current account?

  • Should be opened by a local Trust Office;
  • Excerpt Chamber of Commerce;
  • Shareholders Register;
  • Articles of Association;
  • Excerpt Chamber of Commerce Trust Company;
  • Shareholders Register Trust Company;
  • Articles of Association Trust Company;
  • Business License Trust Company;
  • Copy ID/passport of all involved;
  • Utility Bill of all non-resident persons;

What are the transaction limits?

Transaction limits are per transaction type per day:

Transaction type Maximum Amount per
Day/Transaction*
Own Accounts Transfers 1,000,000
Intra-Bank Account Transfer 1,000,000
Domestic Payments 1,000,000
International Payments 1,000,000
Bill Payments 1,000,000

* For a transaction in another currency, the ANG equivalent will be used;

How can I unlock my username to get access to Vidanova e-Banking?




I got a new mobile device, how can I setup my Entrust Software Token?




How can I pay my bills?

Under “TRANSFERS & PAYMENTS”, go to “BILL PAYMENT” and proceed by selecting your account and a “BILLER” to pay.

How can I download Statements?

Under “MY MONEY”, go to “ACCOUNT STATEMENT” and proceed by selecting your account and a period.

How can I view and/or download my transactions?

Under “MY PORTFOLIO”, click on your account and you will view your account details and transactions of the current month. You select a desired period which should not exceed 365 days at once. You can also export the transaction on display to a file.

How can I change my email address/password/username for Vidanova e-Banking?

Under “SELF-MANAGEMENT”, you can update/change your credentials.

How can I setup “Alerts” in Vidanova e-Banking?

Under “ALERTS”, you can manage your device(s), alerts delivery and alerts message; you can do this on both Vidanova e-Banking & Vidanova Mobile Banking.
You can select from 2 alert delivery method: Push Notifications and/or email (you can enable both).

What are the daily limits for ATM, POS, and eCommerce (online transactions) with my Mastercard Debit Card?

Daily Limits

Vidanova Bank provides transparent daily transaction limits for secure and efficient banking. These established limits apply to ATM withdrawals, Point-of-Sale (POS) purchases, and online transactions, ensuring safe and manageable account access. For a complete overview of your daily limits, please refer to the table below or contact our customer service for assistance.

To further protect your transactions, online purchases may require a One-Time Passcode (OTP) based on risk parameters and are subject to fraud prevention measures. Please note that these limits are subject to change without prior notice.

 

ATM POS eCommerce
On-Us* XCG 1,000.00 XCG 3,500.00 XCG 500.00
Domestic XCG 1,000.00 XCG 5,000.00
International XCG 1,000.00 XCG 3,500.00

 

* On-Us transactions refer to using a Vidanova Bank card at Vidanova Bank ATMs or POS terminals.

What is the difference between the old “SFT Bank Maestro” card and the new “Vidanova Bank Mastercard Debit” card?

  • The new Vidanova Mastercard Debit Card will have the same PIN code you had in your SFT Maestro Card. If you don’t remember your PIN please contact Card Support at +5999-7322900 or +1 800 358 8902 during business hours;
  • The new Mastercard Debit card can be used at any POS/ATM/Fuel Dispenser in Curaçao and abroad;
  • The new Mastercard Debit card can be used to shop online and pay your bills as a regular
    debit/credit card. You can also use it In-Apps and register it to pay for your recurrent subscriptions;

How do I make a Chip transaction?

  • The cashier or you inserts the card;
  • The cashier enters the amount;
  • You confirm the amount;
  • You select checking or saving account;
  • You enter your PIN;
  • Leave your card in the Point-of-Sale (POS) terminal until the terminal tells you to remove it;

How do I make a Contactless transaction?

For security reasons, you need to enable the contactless functionality of your card by performing a successful, approved chip PIN transaction first.

  • Look for the “Contactless” symbol at the cashier or Point-of-Sale (POS) terminal;
  • Tap your card at the Point-of-Sale (POS) terminal;
  • Go, payment done;

Our Point-of-Sale (POS) terminals are chip-enabled;
The daily “Contactless” limit is ANG 100.00;

Where can I use the new Vidanova Bank Mastercard Debit card?

  • Shop in-Store;
  •  Shop Online and in-Apps;
  •  Pay Contactless;
  • ATM (cash withdrawal);

Can I pay online (ecommerce/websites) with the new Vidanova Bank Mastercard Debit card?

Yes, you can buy on any website that accepts Mastercard.

Online will be optional; default will be inactive;

How can I request a new PIN Code and/or a Card Replacement?

You can pass by our premises during business hours and complete the necessary form or you can simply
send us a SECURE MESSAGE through Vidanova e-Banking.

How can I report a lost or stolen card?

  • Mastercard Debit card:
    • Call +5999-7322900 / +1-800-358-8902 (daily till 22:00) or +1-636-722-7111 (24/7)
  • Visa Credit Card:
    • Call +5999-7322900 / +1-800-358-8902 (daily till 22:00)

How can I contact Card Support?



What do I need to apply for a Credit Card?

  • You should have a bank account with us;
  •  For Personal Credit Card:
    • Last 2 salary slips
  • For Business Credit Card:
    • Copy of Balance Sheet;

What do I need to apply for a Prepaid Card?

  • You should have a bank account with us;

How can I repay my Credit Card?

  • Minimum Payment: 5% of the outstanding amount (18% interest per annum is applied);
  • Full Payment: Full amount used of the previous month (0% interest per annum is applied);

How can I pay my Visa Credit Card?

Under “TRANSFERS & PAYMENTS”, go to “BILL PAYMENT” and proceed by selecting your account and as
“BILLER” choose “VISA CREDIT CARD PAYMENTS”.

How can I load funds to my Visa Prepaid Card?

Under “TRANSFERS & PAYMENTS”, go to “BILL PAYMENT” and proceed by selecting your account and as
“BILLER” choose “VISA PREPAID DEPOSITS.”

How can I request a limit increase/decrease of my Credit Card?

You can pass by our premises during business hours and complete the necessary form or you can simply
send us a SECURE MESSAGE through Vidanova e-Banking.

How can I setup “Alerts” for my Credit Card usage?

By default, all cardholders will receive an alert for each transaction, either approved or declined, when using
our Visa Credit- & Prepaid Card.

Is my Visa Credit Card insured?

Yes, we do have “Insurance Protection Fee” and the monthly fee is 2‰ of your credit limit.

What’s Vidanova Bank BIC/SWIFT address?

  • CITCCWCC
    (if your bank requires a 11 digit code add XXX at the end)

What are the bank business hours?

  • The bank is open from Monday through Friday from 08:00 non-stop till 16:00. Saturday & Sunday the bank is closed;

How can I contact the bank?

You can contact the bank through various channels:

How can I find the bank on Social Media?

Our official Social Media platforms are:

How can I file a complaint?

You can file a complaint as follows:

  • Send an email to [email protected];
  •  By calling our Customer Support team at Tel: (599-9) 732-2900;

Please provide us with a clear description of the complaint together with your contact details;
All complaints will be handled with the necessary care and attention to provide a soonest solution.

How can I send USD to my account?

See below for the wire details:

Bank Name: Vidanova Bank
BIC Beneficiary: CITCCWCC
Beneficiary Account: [Your Account number at Vidanova Bank]
Beneficiary Account Name: [Your Name]
[Your Address]
Correspondent Bank Name: Stern International Bank
BIC Correspondent Bank: SIECPRSJ
FedWire/ABA#: 021508086

Reference/Description:
[Full Description of Payment]

How can I send EUR to my account?

See below for the wire details:

Bank Name: Crown Agents Bank
BIC Correspondent Bank: CRASGB2L
Beneficiary Account/IBAN: GB92CRAS60836832107401
Beneficiary Account Name: Vidanova Bank N.V.
BIC Beneficiary: CITCCWCC
Schottegatweg Oost 44
Willemstad, Curaçao

Reference/Description:
FFC [your account number] + [account name] + [description]
Beneficiary Full Address

How can I send GBP to my account?

See below for the wire details:

Bank Name: Crown Agents Bank
BIC Correspondent Bank: CRASGB2L
Beneficiary Account/IBAN: GB28CRAS60836832107001
Beneficiary Account Name: Vidanova Bank N.V.
BIC Beneficiary: CITCCWCC
Schottegatweg Oost 44
Willemstad, Curaçao

Reference/Description:
FFC [your account number] + [account name] + [description]
Beneficiary Full Address

Customer Support
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