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Popular products for your personal needs

At BCI, we offer range of products for your personal needs

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  • For Your Personal Needs
  • Popular products for your personal needs

Everyday Account

The Everyday account literally speaks for itself, an account to suit your everyday needs.

  • One $7 monthly fee for unlimited transactions
  • Ignore bank queues with your Vaka Card
  • Get real time balances on the go with Text Banking
  • For balances over $300 0.50%p.a. Interest rate
Apply Now Learn more

Peoples Saver Account

This is a "pay-as-you-go" styled account, where you only pay for those transactions you make.

  • No monthly account keeping fees
  • Only pay for those transactions you make
  • Access though My Internet Banking!
  • For Balances over $300 0.50%p.a. Interest rate
Apply Now Learn more

My First Saver Account

Develop saving habits young, a habit that will last a lifetime!

  • NO monthly fess
  • Designed for children up to 16 years of age
  • REWARD your child with competitive interest rates
  • For Part Balances over $500. 3.50%p.a. Interest rate
Apply Now Learn more

Golden Saver Account

Especially designed for our Golden Oldies, at BCI the golden service starts when you reach 55!

  • NO monthly fee
  • UNLIMITED access to your account
  • Internet banking, Everyday & Vaka Debit Cards
  • For Part Balances over $5,000 1.50%p.a. Interest rate
Apply Now Learn more

Term Deposit and Investment

Watch your money grow with a Term Deposit account and only $500 to start.

  • Choose any term from 1 month to 12 months
  • Get interest paid periodically to your savings account on some terms
  • For 12 months 3.80%p.a. Interest rate
Apply Now Learn more

Personal Loan

A short term loan to meet immediate needs. Secured/unsecured gives you a choice.

  • Choose Secured or Unsecured
  • No early repayment penalties
  • Redraw available
  • Unsecured Interest Rate 16.50%p.a. Interest rate
Apply Now Learn more

Housing Loan

The lowest published Owner Occupied Home Loan interest rate, build or renovate your family home now.

  • Lowest published rate on the island
  • Redraw available
  • BCI can organise Home and Contents Insurance
  • +/- Risk Margin 7.25%p.a. Interest rate
Apply Now Learn more

Property Investment Loan

Reach your investment goals faster and build your wealth today with this alternate investment option.

  • Lowest published Property Investment rates on island
  • Redraw available by arrangement
  • BCI can arrange your property insurance
  • Interest Rate 9.49%p.a. Interest rate
Apply Now Learn more

Cheque Account

Keep track of your finances with a book in your wallet. Suited to small and large organisations alike.

  • Make payments anywhere, anytime
  • Link an Everyday or Vaka Card for convenience
  • Earn interest!
  • For balances over $10,000 0.25%p.a. Interest rate
Apply Now Learn more

Vaka Debit Mastercard

Get ready for an exciting journey of accessing and managing your money from anywhere in the world.

  • Free sign up
  • Speed through where Tap & Go™ is available
  • Use anywhere MasterCard is accepted
Apply Now Learn More

How can we help you?

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Vaka Debit Mastercard

Popular products for your personal needs

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Products

    • Popular products for your personal needs
    • My First Saver Account
    • Golden Saver Account
    • Peoples Saver Account
    • Everyday Account
    • Term Deposits
    • Cheque Account
    • Personal Loans
    • Bonus Saver
    • Housing Loans
    • Property Investment Loan
    • Vaka Debit Mastercard
    • Popular products for your business needs
    • Cheque Account
    • Overdraft Cheque
    • Business Investment
    • Business General
    • Business Tourism
    • Business Retail / Wholesale
    • Our Community Account
    • Apply for Sponsorship

Services

    • Foreign Exchange Rates
    • Safe Custody
    • BCI Alerts
    • International & Inter-Island Money Transfers
  • Apply for Internet Banking
  • Calculator Tools
  • Service Fees & Charges
  • Motor Vehicle Registration
  • SMS One Time Password (OTP)

About us

  • Our History
  • Our Board
  • Our Managers
  • Our Jobs
    • Vacancies at BCI
    • Staff at BCI
    • Employee of the Month
  • Our Climate Action
  • Our Promise
  • Switch to BCI
  • Make the Move

Contact us

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  • Customer Support
  • Feedback

News

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Bank of the Cook Islands, PO Box 113, Maire Nui Drive, Avarua, Rarotonga, Cook Islands, SWIFT Code: BCKICKCR, BSB: 05-1501,

Email: cash@bci.co.ck; Tel: (682) 29-341 or After Hours: (682) 29-342

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