The Standard Bank Débito Multicaixa card is designed to offer customers an efficient, secure, and user-friendly way to handle their daily financial transactions. Linked directly to your checking account, this debit card eliminates the need for carrying cash, providing a modern solution for payments and withdrawals across Angola’s extensive Multicaixa network.

Whether you’re shopping at your favorite local store, dining out, or managing monthly expenses, the Débito Multicaixa card combines convenience and security. Its user-friendly features, including PIN validation and personalized options, ensure that you stay in control of your finances while enjoying a seamless banking experience.

Key information about the credit card

How does the annual fee work?

The Standard Bank Débito Multicaixa card stands out because it comes with no annual fee. This feature makes it an excellent choice for individuals who prioritize cost-effective banking solutions. While other cards might charge yearly maintenance fees or hidden costs, this card focuses on accessibility and affordability. By eliminating annual fees, Standard Bank ensures that all users, regardless of their financial standing, can benefit from a reliable payment method without worrying about extra charges.

How is the credit limit determined?

Unlike credit cards, which offer a pre-approved limit based on factors such as income and credit history, the Débito Multicaixa card works differently. As a debit card, it does not have a credit limit because transactions are drawn directly from the available balance in your checking account. This structure ensures that you only spend what you have, making it a great tool for managing your finances responsibly.

Advantages of the credit card

• Convenience: With widespread acceptance across the Multicaixa network, the card ensures that you can make payments or withdraw cash from ATMs anywhere in Angola. Whether you’re in a bustling city or a remote area, this card provides seamless access to your funds.
• Personalization: Your name can be printed on the card, giving it a personal and professional touch. This feature not only makes your card unique but also adds an extra layer of identification and security.
• Enhanced security: Every transaction requires PIN validation, significantly reducing the chances of unauthorized usage. This ensures that your funds remain protected even in the event of a lost or stolen card.
• Ease of transactions: There is no need to visit a bank branch for routine financial activities. Payments, withdrawals, and other transactions can all be conducted via the Multicaixa network, saving you time and effort.
• Accessibility: The card is available to all Standard Bank customers with an active checking account, with no income thresholds or complicated requirements. This inclusivity makes it an ideal solution for a wide range of users.
• No annual fee: As mentioned earlier, this card eliminates the burden of additional yearly costs, offering users a budget-friendly option.

Standout advantage

One of the most notable features of the Débito Multicaixa card is its integration with the Multicaixa network. Covering thousands of terminals across Angola, this network provides unmatched accessibility for both payments and withdrawals. Whether you’re in an urban center or a more rural area, the Multicaixa infrastructure ensures you can manage your finances conveniently.

Disadvantages

• Limited international usability: The card is restricted to the Multicaixa network, which primarily operates within Angola. Users traveling abroad will need an alternative payment method.
• Dependent on account balance: Since it is a debit card, spending is limited to the funds available in your linked account. This may be restrictive for individuals who prefer flexible payment options.

A standout disadvantage

The primary limitation of the Débito Multicaixa card is its lack of international functionality. While it performs exceptionally well within Angola, its usability outside the country is limited. This can be a significant drawback for users who travel frequently or need a card that supports cross-border transactions. For such individuals, additional payment solutions may be required to meet their international financial needs.

Who can apply for this card?

Applying for the Standard Bank Débito Multicaixa card is straightforward, with eligibility requirements designed to be inclusive and accessible. Applicants must hold an active checking account with Standard Bank Angola. There are no specific income thresholds, making the card available to a wide range of customers, from students to working professionals.

To ensure responsible usage, the card is not issued to individuals with negative credit histories or unresolved banking issues. Applicants will need to provide a valid government-issued ID, proof of their bank account, and any other documentation requested by the bank. The process is designed to be efficient, allowing most customers to apply and receive their cards without unnecessary delays.

How to apply for the Standard Bank Débito Multicaixa Card

For the website

To apply online, visit the official Standard Bank website. Start by navigating to the “Products” section, then select “Cartões de Débito” and locate the Débito Multicaixa card. From there, you’ll find a detailed application form.

Fill in the required information, including your personal and account details, and upload scanned copies of any necessary documents, such as a valid ID and proof of account ownership. After submitting the form, you’ll receive a confirmation email outlining the next steps. The bank will process your application, and once approved, you’ll be informed about how and when to collect your card.

Through the app

The Standard Bank mobile app offers a convenient way to apply for the Débito Multicaixa card. After logging in, navigate to the “Services” section and select the option to apply for a debit card. The app will guide you through the process, prompting you to provide the necessary details and upload any required documents.

One of the key advantages of applying via the app is the ability to track your application in real time. You’ll receive notifications about the status of your request and any additional steps required. Once approved, you’ll be notified of the collection details.

At the branch

For those who prefer in-person assistance, visiting a Standard Bank branch is a great option. Speak to a customer service representative, who will provide an application form and guide you through the process. Make sure to bring all necessary documents, such as your ID and proof of an active account.

Branch staff will answer any questions you may have and ensure that your application is completed accurately. Once processed and approved, your card will be issued, and you can collect it directly from the branch.