Skip To Keyboard Navigation Skip To Main Content
Book an appointment e-Banking login Hòfi Vidanova
Book an appointment
Book an appointment e-Banking login Hòfi Vidanova
e-Banking login Hòfi Vidanova Book an appointment

Today, those who keep the world running get to slow down.

We proudly salute our employees — and all workers everywhere — for your dedication and drive. This day is in your honor, and it’s more than deserved. Enjoy it to the fullest!

We’re back soon!
Vidanova Bank reopens Friday, May 2.
Vidanova Pension Fund & Life return Monday, May 5.
Read our Privacy Statement here.

More news

We’re clausing early

On December 24 and 31, we will CLOSE for business at 12 PM to give our jolly employees chance to celebrate. Thank you for your understanding. We wish you the happiest of holidays! Read our Privacy Statement here.
Read more

Our sparkling birthday treat for you!

To celebrate our Sapphire Anniversary – 45 years of Vidanova Bank – we’re offering you a birthday treat that’s even better than cake, and that you will enjoy for much longer. Apply to open a savings account with us and.
Read more
Notice #2025-046 | 15-Nov-2025

Update: Delay in Outgoing Local Transfers

Notice #2025-046 Update: Delay in Outgoing Local Transfers Dear Valued Customer, Further to Notice #2025-045, we would like to inform you that our technical team continues to work diligently to resolve the issue affecting outgoing local transfers from Vidanova Bank.
Read more
Notice #2025-045 | 11-Nov-2025

Delay in Outgoing Local Transfers

Notice #2025-045 Delay in Outgoing Local Transfers Dear Valued Customer, We would like to inform you that we are currently experiencing a technical issue causing a delay in processing outgoing local transfers from Vidanova Bank to other local banks through.
Read more

Always progressing, never forgetting to celebrate.

There’s a lot to be proud of today. From our bright beaches to green hillsides, no other place looks, sounds, or feels quite like St. Maarten. Our island and its people are not only beautiful, but resilient, forward-moving, and blessed.
Read more
Notice #2025-044 | 10-Nov-2025

Important Notice Regarding Visa Card Transaction Verification

Notice #2025-044 Important Notice Regarding Visa Card Transaction Verification Dear Valued Customer, We would like to inform you that Fiserv Panama, the bank’s credit card processor, acting on behalf of Vidanova Bank, may contact you to verify transactions made with.
Read more
Notice #2025-043 | 10-Nov-2025

Update: Incoming Local Transfer Issue Resolved

Notice #2025-043 Update: Incoming Local Transfer Issue Resolved Dear Valued Customer, Further to Notice #2025-042 regarding delays with incoming local transfers through the Instant Payment system, we are pleased to inform you that the technical issue was resolved late last.
Read more
Notice #2025-042 | 09-Nov-2025

Delay in Incoming Local Transfers

Notice #2025-042 Delay in Incoming Local Transfers Dear Valued Customer, Following the system upgrade completed on Saturday morning, November 8, 2025, in connection with the implementation of the ISO 20022 international payment standards, we are currently experiencing a technical issue.
Read more
Notice #2025-041 | 05-Nov-2025

System Maintenance Friday, November 7, 2025

Notice #2025-041 System Maintenance Friday, November 7, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following date(s):.
Read more

We’re closing early on October 30

On October 30, our offices will CLOSE at 2:00 PM instead of 3:30 PM. This gives our team the chance to properly celebrate Vidanova Bank’s 45th Birthday; our Sapphire Anniversary. Thank you for your understanding. Read our Privacy Statement here.
Read more

A Sparkling Milestone!

Vidanova Bank is celebrating its Sapphire Anniversary: 45 years of customer-focused banking. Because our clients have always been the real gems. And so we celebrate not just our journey, but everyone who’s been part of it, including our wonderful partners.
Read more
Notice #2025-039 | 15-Oct-2025

System Maintenance Friday October 17, 2025

Notice #2025-039 System Maintenance Friday October 17, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following date(s):.
Read more

Curaçao: ten out of ten. Discover why »

Curaçao gets top marks every day of the year, but on October 10th, we celebrate it together. A day to connect, enjoy, and appreciate our island and our people. However you spend it, enjoy it to the fullest and full.
Read more

Heritage you can dance on!

Our annual Siman di Kultura is all about celebrating who we are. This year’s theme, musical heritage, brings our island’s rhythms to the spotlight, from tambú and seú to tumba and today’s urban sounds. Our music is unique and diverse,.
Read more

A better world is everyone’s business

Everyday choices are the building blocks of the future. That’s the message behind the Sustainable Development Goals set by the United Nations, which include ending poverty, protecting the planet, and creating opportunities for everybody. Today, we shine a light on.
Read more

The compass that always points home

Blue for the sea, yellow for the sun, white for the sky. The red star for the six villages that shaped Bonaire, and the compass for our seafaring spirit. On Bonaire Day, we honor the heritage, resilience, and dreams that.
Read more
Notice #2025-038 | 05-Sep-2025

Service Restored – POS System Fully Operational

Notice #2025-038 Service Restored – POS System Fully Operational Dear Valued Customer, We are pleased to inform you that the technical issue affecting our POS system has been fully resolved. All POS terminals are now fully operational, and you may.
Read more
Notice #2025-037 | 05-Sep-2025

Service Notification – POS System Technical Issue

Notice #2025-037 Service Notification – POS System Technical Issue Dear Valued Customer, We would like to inform you that we are currently experiencing a technical issue affecting our POS system. Our technical teams are actively working to resolve the matter.
Read more
Notice #2025-036 | 29-Aug-2025

Additional Action Required – POS Terminal Reboot on Saturday Morning

Notice #2025-036 Additional Action Required – POS Terminal Reboot on Saturday Morning Dear Valued Customer, Further to our earlier communication (Notice #2025-035), we kindly inform you that an additional reboot of your POS terminal is required. Please ensure that your POS device.
Read more
Notice #2025-035 | 26-Aug-2025

Scheduled POS Terminal Update – Action Required

Notice #2025-035 Scheduled POS Terminal Update – Action Required Dear Valued Customer, We would like to inform you that a scheduled update will be performed on all our POS machines on Sunday, August 31, 2025. To ensure a smooth transition.
Read more

Put down that controller and pick up that pen!

Back to school means starting a brand new quest, with challenges to complete, knowledge to collect and skills to unlock. Along the way, you might meet some interesting new friends.   It will be tough at times, with pesky enemies.
Read more
Notice #2025-034 | 01-Aug-2025

Change in Support Contact for Merchant Services

Notice #2025-034 Change in Support Contact for Merchant Services Dear Valued Customer, We hereby inform you that, effective September 1, 2025, all merchant-related inquiries and support requests should be directed to Vidanova Bank. As of this date, you are kindly.
Read more

Retired and respected

‘Senior’ is an interesting word. It not only means older, but also experienced, trusted, and wise. See what we’re getting at? We owe our elders a debt of gratitude. They walked ahead so we could follow. Now it’s their time.
Read more
Notice #2025-033 | 09-Jul-2025

System Maintenance Thursday July 10, 2025

Notice #2025-033 System Maintenance Thursday July 10, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following date(s):.
Read more

Our favorite superstars! Happy Flag Day!

[video width="600" height="600" m4v="https://vidanova-bank.com/wp-content/uploads/2025/07/4767_VNG_SM_2025_DiaDiBandera_Movie_1-1.m4v" loop="true" autoplay="true"][/video] Sorry Bey and TayTay, but you’re outstarred today. We’re celebrating our own stars, right there on our flag. It’s not just cloth, it’s our character. It’s everything we’re proud of, our achievements, dreams and.
Read more

His jokes may fall flat, but his love lifts us up.

This day is a well-deserved celebration of all the great dads out there. Thanks for everything you do, your love, your strength, your patience and even your occasionally cringy jokes. You are deeply loved and appreciated. Enjoy your day to.
Read more

More planet, less plastic!

June 5th is World Environment Day, a chance to reflect on the future we’re shaping. This year’s focus is plastic pollution, and the good news is: small changes matter. Bring a reusable bag and bottle. Skip the plastic extras. Choose.
Read more
Notice #2025-032 | 04-Jun-2025

Update #3 – Digital Banking Services Fully Restored

Notice #2025-032 Update #3 – Digital Banking Services Fully Restored Dear Valued Customer, We are pleased to inform you that the previously reported service disruption has been resolved and full access to all systems has been successfully restored. The following.
Read more
Notice #2025-031 | 03-Jun-2025

Update #2 – System Maintenance Tuesday, June 3, 2025

Notice #2025-031 Update #2 – System Maintenance Tuesday, June 3, 2025 Dear Valued Customer, In connection with the ongoing service disruption, we have scheduled a system maintenance window to help resolve the issue and restore full functionality. As part of.
Read more
Notice # 2025-030 | 03-Jun-2025

Update #1 – Ongoing Outage of Digital Banking Services

Notice # 2025-030 Update #1 – Ongoing Outage of Digital Banking Services Dear Valued Customer, We would like to provide you with an update regarding the ongoing outage affecting access to: Vidanova e-Banking Vidanova Mobile Banking Please be advised that.
Read more
Notice # 2025-027 | 23-May-2025

Important Notice Regarding Visa Card Transaction Verification

Notice # 2025-027 Important Notice Regarding Visa Card Transaction Verification Dear Valued Customer, We would like to inform you that Fiserv Panama, the bank’s credit card processor, acting on behalf of Vidanova Bank, may contact you to verify transactions made.
Read more
Notice # 2025-026 | 15-May-2025

System Maintenance Sunday, May 18, 2025

Notice # 2025-026 System Maintenance Sunday, May 18, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more

Vidanova Group – Bringing Plans to Life: EP 1 Pensions

Vidanova Group - Bringing Plans to Life: EP 1 Pensions Pensioenplanning: hoe eerder je begint, hoe beter! Luigino Servanie van Vidanova Pensioenfonds en Jewel-Ann Melendez van Vidanova Life leggen in deze aflevering van "Bringing Plans to Life" uit waarom vroeg.
Read more
Notice # 2025-025 | 12-May-2025

System Maintenance Monday, May 12, 2025

Notice # 2025-025 System Maintenance Monday, May 12, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more
Notice # 2025-023 | 25-Apr-2025

Revised Terms and Conditions for Vidanova e-Banking

Notice # 2025-023 Revised Terms and Conditions for Vidanova e-Banking Dear Valued Customer, We would like to inform you that the Terms and Conditions for Vidanova e-Banking (EB005) have been revised. The updated document is now available in both English.
Read more

Financial Highlights 2024

Vidanova Bank delivered a solid financial performance in 2024, supported by an expanded balance sheet and resilient income streams. The Bank’s net profit increased by 34% year-on-year, rising from ANG 3.8 million in 2023 to ANG 5,1 million in 2024..
Read more
Notice # 2025-022 | 22-Apr-2025

Update: Banco di Caribe POS Terminal Issue Resolved

Notice # 2025-022 Update: Banco di Caribe POS Terminal Issue Resolved Dear Valued Customer, With reference to Notice #2025-014 dated April 1, 2025, we hereby inform you that the technical issue affecting the acceptance of Vidanova Mastercard Debit Cards at.
Read more

Harvest the joy! We wish you a bountiful Seú 2025

There is nothing like Seú, our beloved annual harvest celebration. Marvel at the sights and sounds, the creative costumes and the high-energy music. Seú is more than a parade — it’s a heartbeat, a history, and a shared joy. We.
Read more
Notice # 2025-020 | 12-Apr-2025

Service Restored – Earlier Technical Issue Resolved

Notice # 2025-020 Service Restored – Earlier Technical Issue Resolved Dear Valued Customer, We wish to inform you that the technical issue which temporarily affected our ATM terminals, POS terminals, and Mastercard Debit Card services has been fully resolved. We.
Read more
Notice # 2025-019 | 11-Apr-2025

System Maintenance Friday April 11, 2025

Notice # 2025-019 System Maintenance Friday April 11, 2025 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more
Notice # 2025-017 | 09-Apr-2025

Reminder: Mastercard Debit Card Functionality Updates

Notice # 2025-017 Reminder: Mastercard Debit Card Functionality Updates Dear Valued Customer, Please take note of the following changes applicable for the Vidanova Bank debit card. Effective March 10, 2025, we implemented the following changes: 1. Cash Withdrawal Fees: Cash.
Read more
Notice # 2025-016 | 04-Apr-2025

Service Restored: Mastercard Debit Card System Back Online

Notice # 2025-016 Service Restored: Mastercard Debit Card System Back Online Dear Valued Customer, We are pleased to inform you that the technical issue affecting our Mastercard Debit Card system has been fully resolved. All services have been restored and.
Read more
Notice # 2025-015 | 04-Apr-2025

Technical Issue Affecting Mastercard Debit Cards

Notice # 2025-015 Technical Issue Affecting Mastercard Debit Cards Dear Valued Customer, We would like to inform you that we are currently experiencing a technical issue that is affecting the functionality of our Mastercard Debit Cards. As a result, some.
Read more
Notice # 2025-013 | 29-Mar-2025

Reminder: Upcoming Transition to the Caribbean Guilder (XCG)

Notice # 2025-013 Reminder: Upcoming Transition to the Caribbean Guilder (XCG) Dear Valued Customer, This is a friendly reminder that the official transition to the Caribbean Guilder (XCG) will take place on the evening of Monday, March 31, 2025, through.
Read more
Notice # 2025-010 | 25-Mar-2025

Transition to the Caribbean Guilder (XCG)

Notice # 2025-010 Transition to the Caribbean Guilder (XCG) Dear Valued Customer, In preparation for the introduction of the Caribbean Guilder (XCG) as the new currency for Curaçao and Sint Maarten, we wish to inform you of the upcoming transition.
Read more

Celebrate talent, create opportunities.

Today, we celebrate the diverse talents of people with Down Syndrome. They are artists, entrepreneurs, athletes and much more, proving they can excel just like anyone else. Let’s create a world where everyone has equal opportunities. Happy World Down Syndrome.
Read more
Notice # 2025-008 | 10-Mar-2025

Mastercard Debit Card POS Transactions Fully Restored

Notice # 2025-008 Mastercard Debit Card POS Transactions Fully Restored Dear Valued Customer, We are pleased to inform you that the issue affecting POS (Point-of-Sale) transactions for our Mastercard Debit Cards when used outside of Curaçao has been fully resolved..
Read more
Notice # 2025-007 | 10-Mar-2025

POS International Transactions on Mastercard Debit Cards

Notice # 2025-007 POS International Transactions on Mastercard Debit Cards Dear Valued Customer, We are currently experiencing an issue affecting POS (Point-of-Sale) transactions with our Mastercard Debit Cards when used outside of Curaçao. This issue does not affect transactions in.
Read more
Notice # 2025-006 | 03-Mar-2025

Reminder: Mastercard Debit Card Functionality Updates

Notice # 2025-006 Reminder: Mastercard Debit Card Functionality Updates Dear Valued Customer, Please take note of the following changes applicable for the Vidanova Bank debit card. Effective March 10, 2025, we will be implementing the following changes: 1. Cash Withdrawal.
Read more

Vidanova Group: Dunando bo plannan, bida!

Vidanova Group: Dunando bo plannan, bida! Aim for the stars and you might hit the moon, they always say. At Vidanova Group, we politely disagree and feel you shouldn’t have to water down your ambitions right from the start. That’s.
Read more
Notice # 2025-004 | 10-Feb-2025

Temporary ATM Out-of-Service Notice

Notice # 2025-004 Temporary ATM Out-of-Service Notice Dear Valued Customer, Please be advised that our ATM at the Schottegatweg Oost branch will be out of service starting Wednesday, February 12, 2025, until further notice. You may use our other ATMs.
Read more

Bring your plans to life in ’25!

Bring your plans to life in ’25! Let’s take in this extraordinary moment. A new year, a new beginning, a new opportunity to meet challenges and get closer to your goals and dreams. We look forward to serving you with.
Read more
Notice # 2024-044 | 18-Dec-2024

System Maintenance Wednesday December 18th, 2024

Notice # 2024-044 System Maintenance Wednesday, December 18th, 2024 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more
Notice # 2024-040 | 06-Dec-2024

Update on Service Delays Following System Maintenance

Notice # 2024-040 Update on Service Delays Following System Maintenance Dear Valued Customer, Following our scheduled system maintenance on Saturday, November 30th, 2024, as communicated in Notice # 2024-038, we have experienced an exceptionally high volume of inquiries and transactions..
Read more
Notice # 2024-039 | 02-Dec-2024

Technical Issue Affecting Outgoing Emails (Online Banking)

Notice # 2024-039 Technical Issue Affecting Outgoing Emails (Online Banking) Dear Valued Customer, We would like to inform you that we are currently experiencing technical difficulties with our email server. This issue is specifically affecting outgoing emails related to Online.
Read more
Notice # 2024-038 | 30-Nov-2024

System Maintenance Completed – Services Fully Restored

Notice # 2024-038 System Maintenance Completed – Services Fully Restored Dear Valued Customer, We are pleased to inform you that our scheduled system maintenance has been successfully completed, and all services are now fully operational. You can now access the.
Read more
Notice # 2024-037 | 30-Nov-2024

System Maintenance Saturday November 30th, 2024 – [Update 1]

Notice # 2024-037 System Maintenance Saturday November 30th, 2024 - [Update 1] Dear Valued Customer, As part of our ongoing system maintenance scheduled for Saturday, November 30th, 2024, we would like to inform you that the process is taking longer.
Read more
Notice # 2024-036 | 29-Nov-2024

Business Access Now Available via Vidanova Mobile Banking App

Notice # 2024-036 Business Access Now Available via Vidanova Mobile Banking App Dear Valued Business Customer, As announced in Notice # 2024-033, we are excited to share that, starting tomorrow, Saturday, November 30th, 2024, after 11:00 AST (GMT -04:00), business.
Read more
Notice # 2024-035 | 28-Nov-2024

System Maintenance Saturday, November 30th, 2024

Notice # 2024-035 System Maintenance Saturday, November 30th, 2024 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more

Full of thanks (and possibly turkey)

A Happy Thanksgiving to everyone who is celebrating it on this fourth Thursday of November. Let's take this opportunity to note that gratitude is always a great attitude; giving thanks gives joy. At Vidanova Group, we are thankful to our.
Read more
Notice # 2024-031 | 11-Nov-2024

Mastercard Debit Card Functionality Updates

Dear Valued Customer, Please take note of the following changes applicable for the Vidanova Bank debit card. Effective November 13, 2024, we will be implementing the following changes: 1. Cash Withdrawal Fees: Cash withdrawals at other Local & Int'l ATMs.
Read more

Be aware and there for each other.

Be aware and there for each other. October is Breast Cancer Awareness Month. Around one in seven women, as well as some men, get breast cancer. This deserves attention from all of us. Educate yourself and others, learn about prevention.
Read more
Notice # 2024-028 | 16-Oct-2024

Update 1: System Maintenance Friday, October 18th, 2024

Notice # 2024-028 Update 1: System Maintenance Friday, October 18th, 2024 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on.
Read more
Notice # 2024-027 | 15-Oct-2024

System Maintenance Friday October 18th, 2024

Notice # 2024-027 System Maintenance Friday, October 18th, 2024 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more
Notice # 2024-026 | 14-Oct-2024

System Maintenance Wednesday October 16th, 2024

Notice # 2024-026 System Maintenance Wednesday, October 16th, 2024 Dear Valued Customer, As part of our ongoing commitment to delivering first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the following.
Read more

Ten ten Pabien!

Ten ten Pabien! The tenth of October is a day to love; a day in honor of Curaçao and everything that makes it amazing. Our autonomy, our culture, our beautiful and diverse people; there’s much to be proud of. Whether.
Read more

Cards Department Representative

Vidanova Bank has experienced significant growth in recent years, with a diverse and dynamic workforce. At this time we have the following opening(s): Cards Department Representative Read our Privacy Statement here.
Read more

Kultura ta nos: Bib’é!

Felis Siman di Kultura! #vidanovagroup #kultura #culture #vidanovabank #vidanovalife #vidanovapensionfund Read our Privacy Statement here.
Read more
Notice # 2024-025 | 25-Sep-2024

Follow-up on ATM Outage – Service Restored

Notice # 2024-025 ATM Outage Due to Technical Issue Dear Valued Customer, We are pleased to inform you that the technical issue affecting our ATMs has now been resolved, and all affected ATMs are back in service. You can now.
Read more

What a difference a day makes

September 25th is Sustainable Development Goals Day. It highlights 17 goals set by the United Nations to achieve a better future for all. These include helping the disadvantaged, feeding children a healthy diet, conserving our oceans, and wasting less food,.
Read more

Sponsor of the 58th Annual Fishing Tournament

Vidanova Group is proud to have been a sponsor of the 58th Annual Fishing Tournament. 🎣🏆 The event, that took place last weekend, was a huge success, attracting anglers from Curaçao and our sister islands Aruba and Bonaire. We celebrated.
Read more
Notice # 2024-024 | 20-Sep-2024

ATM Outage Due to Technical Issue

Notice # 2024-024 ATM Outage Due to Technical Issue Dear Valued Customer, Please be advised that all of our ATMs are currently out-of-service due to a technical issue. We are working diligently to resolve this and will provide updates as.
Read more
Notice # 2024-023 | 12-Sep-2024

Important Update: Rollout of 3D Secure for Visa Transactions

Notice # 2024-023 Important Update: Rollout of 3D Secure for Visa Transactions Dear Valued Customer, With reference to notice # 2024-002, we are pleased to announce the implementation of 3D Secure (3DS) for Visa Credit- & Prepaid card transactions. This.
Read more
Notice # 2024-021 | 11-Sep-2024

Important Update Regarding Your Visa Payment Schedule

Notice # 2024-021 Important Update Regarding Your Visa Payment Schedule Dear Valued Customer, We are writing to inform you of an important change to our internal procedures regarding Visa payments. Effective immediately, Visa payments will now be charged on the.
Read more

Honoring those who keep us informed!

Today, we celebrate and thank the incredible members of our local press — whether on radio, TV, in newspapers, or digital platforms — who work tirelessly to keep our community informed. Your commitment and dedication to sharing important stories help.
Read more

The magic is about to begin. CNSJ, we salute you!

There’s a sense of excitement in the air. The Curaçao North Sea Jazz festival is here again, and about to dazzle us with magical musical moments. Vidanova Group congratulates the organizers on a stellar event, which is a credit to.
Read more

CBCS Reveal of the Caribbean Guilder

Inspired by the vibrant underwater world of Curaçao and Sint Maarten On August 22nd, 2024, the Centrale Bank van Curaçao en Sint Maarten (CBCS) unveiled the new Caribbean banknotes and coins during simultaneous events in Curaçao and Sint Maarten. Inspired.
Read more
Notice # 2024-020 | 21-Aug-2024

Alerts System Maintenance Monday August 26th, 2024

Notice # 2024-020 Alerts System Maintenance Monday August 26th, 2024 Dear Valued Customer, As part of our ongoing commitment to providing first-class service to all our customers, we would like to inform you of a scheduled system maintenance on the.
Read more

Knowledge is power. Go get yours!

Knowledge is power. Go get yours! Early alarm clocks, lugging around books, homework; it all begins anew. But so will friendships, fun and learning, which is the best investment in yourself. “Tell that to my snooze button.” Sure, but one.
Read more
Notice # 2024-019 | 08-Aug-2024

System Maintenance Friday August 16th, 2024

Notice # 2024-019 System Maintenance Friday August 16th, 2024 Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting.
Read more

Today, the guy we look up to can sit down.

Today, the guy we look up to can sit down. Tata, papa, pops: this day is for you, with gratitude for your love, hard work and dedication. So relax, have a good one, and enjoy it to the fullest. Happy.
Read more
Notice # 2024-018 | 10-Jun-2024

Instant Payment System Maintenance Monday June 17th, 2024

Dear Valued Customer, Please be advised that there will be a mandatory system maintenance on the Instant Payment platform on the following date(s): Starting Monday June 17th, 2024 at 21:00 AST (GMT -04:00) ending Tuesday June 18th, 2024 at 01:00.
Read more

Today is about tomorrow.

  Today is about tomorrow. World Environment Day is a reminder: we can’t turn back time, but we can plant, protect, clean up, recycle, shop wisely, volunteer and educate. At Vidanova Bank, we strive to make sustainable choices that benefit.
Read more
Notice # 2024-017 | 01-Jun-2024

Mastercard Debit Card Functionality Updates [Update 2]

Dear Valued Customer, We are delighted to announce that the technical issues have been resolved and our system is back to normal, so international transactions with our Mastercard debit cards on the Point of Sale (POS) system are currently going.
Read more
Notice # 2024-016 | 31-May-2024

Mastercard Debit Card Functionality Updates [Update 1]

Dear Valued Customer, We regret to inform you that due to technical issues, international transactions with our Mastercard debit cards on the Point of Sale (POS) system are currently not going through. Our technical team is actively working to resolve.
Read more
Notice # 2024-015 | 29-May-2024

Mastercard Debit Card Functionality Updates

Dear Valued Customer, Please take note of the following changes applicable for the Vidanova Bank debit card. Effective May 31st, 2024, we will be implementing the following changes: 1. Cash Withdrawal Fees: Cash withdrawals at other Local & Int'l ATMs.
Read more
Notice # 2024-014 | 20-May-2024

System Maintenance Monday May 20th, 2024

Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Monday May 20th, 2024 at 23:00 AST (GMT -04:00).
Read more
Notice # 2024-013 | 16-May-2024

System Maintenance Thursday May 16th, 2024 [Update 2]

Dear Valued Customer, We are delighted to announce that our system upgrade has been successfully completed, and we are now back online to serve you better. We sincerely apologize for any inconvenience caused during the downtime and appreciate your patience.
Read more
Notice # 2024-012 | 16-May-2024

System Maintenance Thursday May 16th, 2024 [Update 1]

Dear Valued Customer, We write to inform you that our ongoing system upgrade is progressing at a pace slower than initially estimated. Our dedicated team is diligently working to expedite the completion of this upgrade, ensuring that all systems function.
Read more
Notice # 2024-011 | 14-May-2024

System Maintenance Thursday May 16th, 2024

Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Thursday May 16th, 2024 at 04:00 AST (GMT -04:00) ending Thursday.
Read more

Celebrating the real MVPs – moms!

  Celebrating the real MVPs - moms! From juggling a million tasks to giving the best hugs, moms truly are the Most Valuable Players in our lives. At Vidanova Bank, we are committed to providing you with exceptional service and.
Read more

Book an appointment

  Do you want to open a bank account and/or need e-Banking Support? Book an appointment with us now. Book an appointment #VidanovaBank #MoreThanJustABank Read our Privacy Statement here.  
Read more

A Wednesday without alarm clocks.

  A Wednesday without alarm clocks. Workers make everything work, so today is a well-deserved day off in their honor. Sorry alarm clocks, we won’t need you right now. Vidanova Bank wishes you a happy and relaxing Labor Day. See.
Read more

There’s no party like a Rincon party!

  There’s no party like a Rincon party! Why? The oldest village on Bonaire (and in the entire region) is both a historical treasure and a place where Caribbean culture lives on. Celebrating Dia di Rincon for the 35th time.
Read more

If partying was an Olympic sport…

  If partying was an Olympic sport... St. Maarten would get the gold. Many travel across the world to experience the spectacular kaleidoscope of colors known as St. Maarten Carnival. We are fortunate to have it right here! Enjoy it.
Read more

Financial Highlights 2023

During 2023, Vidanova Bank realized a satisfactory increase in its net loans and advances from ANG 498 million to ANG 521 million, an increase in all other assets from ANG 29 million to ANG 31 million, and the due from.
Read more

Are you reading this, Your Majesty?

Are you reading this, Your Majesty? His Highness is probably busy, so let us direct a few words to the other royals in our lives: our clients. We are proud to be your trusted advisors in navigating your financial realm,.
Read more
Notice # 2024-009 | 10-Apr-2024

System Maintenance Friday April 12th, 2024

Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday April 12th, 2024 at 23:00 AST (GMT -04:00) ending Saturday.
Read more
Notice # 2024-008 | 09-Apr-2024

Reminder: Wire/International Transfer Requires Invoice

Dear Valued Customer, With reference to notice # 2023-013, we would like to remind you that for wire/international transfers, a detailed reference is required (not just an invoice/reference number, but also what you are paying; example “INVOICE 12345 ORDER ELECTRICAL.
Read more
Social Events

It’s all about the feeling!

It’s all about the feeling! We wish you a lot of fun at BlueSeas, an event with the guts to present true artists, who make their guitars scream and drums thunder with deep personal feeling. Because everyone is unique. At.
Read more
Social Events

Bronze thanks to gold customers

We are extremely grateful for the enthusiasm with which you, our valued customers, voted for us. You are our true golden trophy! You can also count on the same excellent service in 2024. Together we build a better banking experience..
Read more
Social Events

Vidanova Group @ Cura Doet 2024

Last Saturday, it was that time again: CURA DOET! We were proud this year to assist Stichting Uniek Curacao in cleaning up Boka Patrick as Vidanova Group. Together with other volunteers and employees of Stichting Uniek Curacao, we collected a.
Read more
Social Media Campaigns

Snap, tag and win!

Spot Vidanova Bank and Vidanova in all parades starting from Friday and have a chance to win a delicious dinner for two! Here's how to play: 1. Find one of our logo’s in all parades starting from Friday and snap.
Read more
Notice # 2024-002 | 15-Jan-2024

Upcoming Security Enhancement for Online Transactions

Dear Valued Customer, As part of our commitment to ensure a high level of security for your transactions, we are pleased to inform you about an upcoming enhancement for online payment with our cards. Soon, we will be implementing 3D Secure.
Read more
Notice # 2024-001 | 10-Jan-2024

System Maintenance Friday January 12th, 2024

Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday January 12th, 2024 at 18:00 AST (GMT -04:00) ending Friday.
Read more
Notice # 2023-037 | 14-Dec-2023

System Maintenance Thursday December 14th, 2023

Dear Valued Customer, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Thursday December 14th, 2023 at 23:00 AST (GMT -04:00).
Read more
Notice # 2023-036 | 05-Dec-2023

New fees as of January 5th, 2024

  Dear Valued Customers, We want to inform you about an upcoming change, specifically in relation to our bank fees. Effective January 5th, 2024, we will be implementing some revisions to our bank fees. These changes have been carefully considered.
Read more
Notice # 2023-035 | 05-Dec-2023

System Maintenance Saturday December 9th, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Saturday December 9th, 2023 at 01:00 AST (GMT -04:00) ending Saturday.
Read more
Notice # 2023-034 | 10-Nov-2023

System Maintenance Wednesday November 15th, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Wednesday November 15th, 2023 at 22:00 AST (GMT -04:00).
Read more
Notice # 2023-030 | 01-Nov-2023

New fees as of January 1st, 2024

  Dear Valued Customers, We want to inform you about an upcoming change, specifically in relation to our bank fees. Effective January 1st, 2024, we will be implementing some revisions to our bank fees. These changes have been carefully considered.
Read more
Notice # 2023-029 | 12-Oct-2023

System Maintenance Friday October 13th, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday October 13th, 2023 at 23:00 AST (GMT -04:00).
Read more
Notice # 2023-028 | 05-Oct-2023

Reminder: Temporary Closure for Remodeling

  Dear Valued Customers, We are excited to announce that we will be undergoing a significant remodeling at our branch to provide you with an even better banking experience. To ensure the safety of our customers and staff during this.
Read more
Notice # 2023-027 | 28-Sep-2023

Upcoming File Update – Action Required

  Dear client, Help us stay up to date to serve you better: You might receive information requests from us soon Please reply within two weeks to avoid inconvenience Please ensure that we have your correct contact details We are.
Read more
Notice # 2023-026 | 27-Sep-2023

ATM “Schottegatweg Oost” Out-of-Service

  Dear client, Please be informed that our ATM at our branch (Schottegatweg Oost) will be out-of-service tomorrow Thursday September 28th, 2023 from 08:00 till 16:00. You can visit our other ATM's or visit our branch. We apologize for any inconvenience.
Read more
Notice # 2023-025 | 26-Sep-2023

ATM “Schottegatweg Oost” Out-of-Service

  Dear client, Please be informed that our ATM at our branch (Schottegatweg Oost) will be out-of-service tomorrow Wednesday September 27th, 2023 from 08:00 till 16:00. You can visit our other ATM's or visit our branch. We apologize for any inconvenience this.
Read more
Notice # 2023-024 | 22-Sep-2023

System Maintenance Friday September 22nd, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday September 22nd, 2023 at 23:00 AST (GMT -04:00).
Read more
Notice # 2023-023 | 20-Sep-2023

Temporary Closure for Remodeling

  Dear Valued Customers, We are excited to announce that we will be undergoing a significant remodeling at our branch to provide you with an even better banking experience. To ensure the safety of our customers and staff during this.
Read more
Notice # 2023-022 | 06-Sep-2023

Upcoming File Update – Action Required

  Dear client, At Vidanova Bank we continuously strive to improve our services to better serve your needs. In line with this, we are initiating a comprehensive update of our files and records. To ensure that your account remains in.
Read more
Notice # 2023-020 | 24-Jul-2023

System Maintenance Tuesday July 25th, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Tuesday July 25th, 2023 at 22:00 AST (GMT -04:00).
Read more
Commercial

Echt chillen terwijl je spaart? – 4% rente!

Echt chillen terwijl je spaart? - 4% rente! Natuurlijk kun je je spaargeld in de ijskast bewaren, maar dan komt het nooit in beweging. Bij Vidanova Bank krijg je nu maar liefst 4% rente per jaar*. Dat is geld dat.
Read more
Commercial

Echt ontspannen sparen? – 4% rente!

Echt ontspannen sparen? - 4% rente! Natuurlijk kun je je spaargeld onder je matras bewaren, maar dan blijft het slapen. Bij Vidanova Bank krijg je nu tot maar liefst 4% rente per jaar*. Dat is geld dat wakker wordt en.
Read more
Notice # 2023-019 | 23-Jun-2023

System Maintenance Friday June 23rd, 2023

  Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday June 23rd, 2023 at 22:00 AST (GMT -04:00).
Read more
Notice # 2023-018 | 05-May-2023

New POS Settlement System

Dear client, We would like to inform you that in the 3rd week of May-2023, there will be a change to the daily settlement transaction postings that appears on your settlement account statement. For every debit card transaction (except from.
Read more
Notice # 2023-017 | 18-Apr-2023

Technical Issues Vidanova e-Banking ~ RESOLVED

Dear client, Our system is back to normal and now you can upload/download file(s) as usual. Again, we apologize for any inconvenience this may have caused. For any additional question and/or inquiry, please contact us at [email protected] or at +5999-732-2900 / 1-800-358-8902.
Read more
Notice # 2023-016 | 17-Apr-2023

Technical Issues Vidanova e-Banking

Dear client, As of this morning, we are experiencing technical issues with our internet banking. The affected features/options are: Download Cyber Receipt; Download Multiple Statements; Transactions File Upload (Commercial use); Upload Beneficiary Picture(s); Upload Profile Picture; We are working hard.
Read more
Notice # 2023-015 | 13-Apr-2023

System Maintenance Friday April 14th, 2023

Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday April 14th, 2023 at 21:00 AST (GMT -04:00) ending.
Read more
Notice # 2023-014 | 06-Apr-2023

Wire/International Transfer Requires Invoice

Wire/International Transfer Requires Invoice Dear clients, With reference to notice # 2023-013, we would like to remind you that for wire/international transfers, a detailed reference is required (not just an invoice/reference number, but also what you are paying; example “INVOICE.
Read more
Notice # 2023-013 | 03-Mar-2023

How to make a Wire/International Transfer

How to make a Wire/International Transfer Dear clients, In order to expedite payment instructions and to comply with FATF rules and straight through processing of payments, we kindly request you to observe the following parties in your instructions to our.
Read more
Notice # 2023-011 | 15-Feb-2023

Adjusted Opening Hours

Our biggest wish? A Felis Karnaval! Please note that on February 17th and February 21st we will CLOSE for business at 2 PM. #VidanovaBank #MoreThanJustABank #UnDeseo #EenWens #OneWish
Read more
Notice # 2023-009 | 10-Feb-2023

System Back Up | e-Banking Remains Down

Dear clients, Our systems are back up and running while Internet- & Mobile Banking remains down till Sunday February 12th, 2023 @ 08:00 as per our notice # 2023-006. We apologies for the inconvenience this may have caused. Restored systems:.
Read more
Notice # 2023-008 | 10-Feb-2023

Unscheduled System Down

Dear clients, With reference to notice # 2023-006, all of our systems are currently down and unavailable until further notice. Affected systems: • ATM Terminals; • POS Terminals; • Mastercard Debit Cards; More details will follow during the upcoming days;.
Read more
Notice # 2023-006 | 07-Feb-2023

New Vidanova Internet- & Mobile Banking [Update 2]

Update 2 It's happening this weekend... New Internet- & Mobile Banking   More details will follow during the upcoming days; we kindly request you to follow our social media for further developments. For any additional question and/or inquiry, please contact.
Read more
Notice # 2023-005 | 01-Feb-2023

New Vidanova Internet- & Mobile Banking [Update 1]

Update 1 We need more time 🕓 Dear clients, Details matter, it's worth waiting to get it right. With reference to notice # 2023-003, we hereby would like to inform you that we need more time to prepare for the.
Read more
Notice # 2023-004 | 30-Jan-2023

Deactivation old SFT Maestro Cards

Reminder...! Dear clients, As per notice # 2021-033, the old SFT Maestro card will be deactivated on: January 31st, 2023 After January 31st, 2023, you can only use your Vidanova Bank Mastercard Debit card. Please note the following: If you.
Read more
Notice # 2023-003 | 25-Jan-2023

New Vidanova Internet- & Mobile Banking

Dear clients, We hereby would like to inform you that early next month we will be launching our new internet- & mobile banking for a new e-Banking experience. After several hard-working months with extensive testing of our new internet- &.
Read more
Notice # 2023-001 | 04-Jan-2023

Deactivation old SFT Maestro Cards

Dear clients, As per notice # 2021-033, the old SFT Maestro card will be deactivated on: January 31st, 2023 After January 31st, 2023, you can only use your Vidanova Bank Mastercard Debit card. Please note the following: If you already.
Read more
Commercial

A great World Cup? You wish…

A great World Cup? You wish… Four weeks of wonder and suspense? Of excitement and heroism? Of skills, sportsmanship & fair play? Wish granted! (We hope.) Have a great World Cup everybody! #VidanovaBank #MoreThanJustABank #UnDeseo #EenWens #OneWish
Read more
Notice # 2022-036 | 16-Nov-2022

Email/Push/Secure Message Notification sent Erroneously

Dear client, Earlier today, to be exact @ 11:27, you received an email- and/or a push notification and/or a Secure Message with subject "Balance above/below alert" erroneously from our test system, please disregard this notification. The balance provided is not.
Read more
Social Events

Vidanova Bank supports BRANCH Coral Foundation

Vidanova Bank supports BRANCH Coral Foundation Vidanova has partnered with BRANCH Coral Foundation to strive for a sustainable future of Curacao both above and below water. Vidanova has decided to support this non-profit foundation on a yearly basis to help.
Read more
Notice # 2022-034 | 02-Nov-2022

Vidanova Bank Mastercard Debit Card EMV-Chip In Stock

Dear client, With reference to our Notice # 2022-031 dated October 3rd, 2022, we would like to inform you that the shipment with our new Mastercard Debit cards finally arrived and cards are back in stock. All pending requests will.
Read more
Commercial

A mortgage plan made just for you? You wish…

A mortgage plan made just for you? You wish… Buying a new home is an exciting adventure. It gets even better when you can live there knowing that you took care of the financial side of the matter the best.
Read more
Commercial

A personalized business loan? You wish…

A personalized business loan? You wish… To be agile and robust, your business needs funds to be available when necessary. That’s why, when it comes to business loans, we at Vidanova Bank focus more on the business and less on.
Read more
Notice # 2022-032 | 14-Oct-2022

System Maintenance Friday October 14th, 2022

Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday October 14th, 2022 at 21:00 AST (GMT -04:00) ending.
Read more
Notice # 2022-031 | 03-Oct-2022

Vidanova Bank Mastercard Debit Card EMV-Chip Shortage

Dear client, As you may have noticed through the media, Vidanova Bank was also affected by the global shortage of chips and have been waiting for the past 9 months. Meanwhile our new Mastercard Debit Cards are in production and.
Read more
Notice # 2022-030 | 22-Sep-2022

Adjusted Opening Hours Friday September 23rd, 2022

Dear client, Please be advised that amid ongoing concerns about the bad weather conditions, Vidanova Bank has taken the following precautionary measure(s) to protect the safety and well-being of our employees and clients: • Tomorrow Friday September 23rd, 2022, the.
Read more
Notice # 2022-029 | 22-Sep-2022

Adjusted Opening Hours Thursday September 22nd, 2022

Dear client, Please be advised that amid ongoing concerns about the bad weather conditions, Vidanova Bank has taken the following precautionary measure(s) to protect the safety and well-being of our employees and clients: • Today Thursday September 22nd, 2022, the.
Read more
Notice # 2022-028 | 10-Aug-2022

POS Terminal Connectivity Issue

Dear client, Due to a power outage we experienced yesterday morning August 9th, 2022, the connection between the POS terminals and our host got interrupted and took longer then expected to resolve. By now, the connection has been reestablished and.
Read more
Notice # 2022-026 | 29-Jun-2022

Adjusted Opening Hours Wednesday June 29th, 2022 – Update

Update Dear client, Please be advised that amid ongoing concerns about the tropical storm warning emitted by the local government, Vidanova Bank has taken the following precautionary measure(s) to protect the safety and well-being of our employees and clients: Tomorrow.
Read more
Notice # 2022-025 | 28-Jun-2022

Adjusted Opening Hours Wednesday June 29th, 2022

Dear client, Please be advised that amid ongoing concerns about the tropical storm warning emitted by the local government, Vidanova Bank has taken the following precautionary measure(s) to protect the safety and well-being of our employees and clients: Tomorrow Wednesday.
Read more
Notice # 2022-024 | 14-Jul-2022

Your New Vidanova Bank Visa Credit Card

Dear client, Please be advised that your new Visa Credit Card is ready for pickup at our premises during business hours from Monday to Friday from 08:00 non-stop till 16:00. Your current CITCO Visa Credit Card which you have in.
Read more
Notice # 2022-022 | 19-May-2022

Instant Payment System Maintenance Sunday May 22nd, 2022

Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Sunday May 22nd, 2022 at 23:00 AST (GMT -04:00) ending.
Read more
Notice # 2022-021 | 17-May-2022

System Maintenance Friday May 20th, 2022

Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Friday May 20th, 2022 at 06:00 AST (GMT -04:00) ending.
Read more
Notice # 2022-020 | 05-May-2022

Instant Payment System Maintenance Monday May 9th, 2022

Dear client, Please be advised that there will be a mandatory system maintenance on the Instant Payment platform on the following date(s): Starting Monday May 9th, 2022 at 22:00 AST (GMT -04:00) ending Tuesday May 10th, 2022 at 01:00 AST.
Read more
Notice # 2022-019 | 29-Apr-2022

System Error dd. April 19th, 2022

Dear valued customer, Please be advised that your account will be debited for a return payment that has been credited to your account on 19th April 2022 due to a system error. Please accept our apologies for any inconvenience caused..
Read more
Notice # 2022-018 | 27-Apr-2022

System Maintenance Thursday April 28th, 2022

Dear client, As part of our ongoing commitment providing first-class service to all our customers, please be advised that we have scheduled a system maintenance on the following date(s): Starting Thursday April 28th, 2022 at 20:00 AST (GMT -04:00) ending.
Read more
Notice # 2022-017 | 01-Apr-2022

Instant Payment System Maintenance Monday April 4th, 2022

Dear client, Please be advised that there will be a mandatory system maintenance on the Instant Payment platform on the following date(s): • Starting Monday April 4th, 2022 at 22:00 AST (GMT -04:00) ending Tuesday April 5th, 2022 at 01:00.
Read more
Notice # 2022-016 | 15-Mar-2022

Your New Vidanova Bank Visa Credit Card

Dear client, Please be advised that your new Visa Credit Card is ready for pickup at our premises during business hours from Monday to Friday from 08:00 non-stop till 16:00. Your current CITCO Visa Credit Card which you have in.
Read more
Notice # 2022-014 | 22-Feb-2022

System Maintenance/POS Upgrade Wednesday February 23rd, 2022

Dear merchant, As a follow-up ref. our notice # 2022-010 dated January 24th, 2022, starting tomorrow February 23rd, 2022 your POS Terminal application will be upgraded so you can start accepting Visa- & Mastercard credit card transactions. Your POS terminal.
Read more
Notice # 2022-013 | 10-Feb-2022

ATM Yumuri Out-of-Service

Please be informed that our ATM at Yumuri (Rooseveltweg) is out-of-service until further notice. For any additional question and/or inquiry, please contact us at [email protected] or at +5999-732-2900 / 1-800-358-8902 (during office hours). Regards, Management Vidanova Bank N.V. Follow us: Facebook | Instagram | LinkedIn.
Read more
Notice # 2022-012 | 07-Feb-2022

Adjusted Opening Hours Friday February 11th, 2022

In connection with an internal personnel training this Friday February 11th, 2022, Vidanova Bank will close at 2:00 pm for public. We continue to develop in order to provide you better service every day. We thank you for your understanding. For any.
Read more
Notice # 2022-011 | 01-Feb-2022

COVID-19 Corona Virus Update

As Government is gradually de-escalating the Covid-19 measures, we all welcome the gradual return of our freedoms. At Vidanova Bank, this means that our business hours will go back to normal on business days from 8:00 am to 4:00 pm starting February 2nd, 2022, therefore no.
Read more
Customer Support
Customer Support
Our Support Team will be happy to assist
+599 9 732 2900
Contact Us
For any inquiries, feel free to contact us
Contact us


WhatsApp