Banco de Venezuela review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Banco de Venezuela is a direct lender that suits existing customers restoring a home over a long fixed rate term, with lending across personal, secured and business purposes. Borrowing costs 5% over 300, on amounts of $70,000 to $100,000, from a bank founded in 1890 and supervised in Venezuela.

Key facts

Best for
Existing BDV customers funding home restitution on a long fixed rate term.
APR
5% (Source, checked September 26, 2026)
Loan amount
$70,000 to $100,000 (Source, checked September 26, 2026)
Term
300 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Existing BDV customer; Venezuelan or naturalised foreign natural person; age 18 to 90 (Source, checked September 26, 2026)
Loan types
Personal, Secured, Business (Source, checked September 26, 2026)
Legal entity
Banco de Venezuela, S.A. Banco Universal (RIF G-20009997-6) (Source, checked September 26, 2026)
Headquarters
Venezuela (Source, checked September 26, 2026)
Founded
1890 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bancodevenezuela.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • The rate stays fixed on a fixed rate product, so payments do not reset mid term
  • Repayment of 300 ranks 6 of 232 on term, spreading the monthly amount
  • Amounts of $70,000 to $100,000 sit above the site median of €876.96 for a single borrowing

Cons

  • Support runs on phone and help centre only
  • Only existing customers qualify under the eligibility rules
  • On cost it ranks 71 of 350, so cheaper lenders sit ahead

Ready to try Banco de Venezuela?

Scored 9.5 / 10 by BorrowCue.

See alternatives

Who it suits

  • Existing Banco de Venezuela customers restoring a home
  • Borrowers who want the rate fixed across 300
  • People able to take a loan of $70,000 to $100,000 for property work

Who should look elsewhere

  • Monzo Flex, whose APR of 10% to 23% suits UK borrowers on smaller sums
  • Cashspace, where lending of PHP 12 to PHP 36 serves a different market
  • Cashspace ES, for anyone starting fresh with a new lender instead of an existing account

Where it sits among rivals

Banco de Venezuela is a mid sized lender on amount and a long term one on repayment. On loan amount it ranks 46 of 685 brands compared here, so the sums on offer are typical of the group rather than distinctive. Cost tells a similar story, placing it 71 of 350. Repayment length is what sets it apart, at 6 of 232 on term.

Who runs it

The lender behind these loans is Banco de Venezuela, S.A. Banco Universal (RIF G-20009997-6), a universal bank rather than a broker, headquartered in Venezuela and trading since 1890. That history counts on a product repaid over years rather than months. Supervision sits with the Superintendencia de las Instituciones del Sector Bancario de Venezuela (SUDEBANC). Borrower contact runs on phone and help centre only.

How Banco de Venezuela compares

Where Banco de Venezuela is available

Available
Venezuela
Licence in Venezuela
Superintendencia de las Instituciones del Sector Bancario de Venezuela (SUDEBANC), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Banco de Venezuela charge?+

Borrowing is priced at 5% and held fixed for the life of the loan, so payments do not move with a base rate. The site median across lenders is 12%, with the upper quartile at 24.92%. On term this lender ranks 6 of 232, which is why a rate that low is workable.

How much can I borrow?+

Loans are sized at $70,000 to $100,000, a high floor that points to property work rather than small personal needs. The site median amount is €876.96, so this lender sits at the larger end of the field for a single borrowing.

How long do I have to repay?+

The term is 300, the feature that sets this product apart, ranking 6 of 232 on term. The site median term is 36, so repayments here run far longer than a typical personal loan. A long term cuts the monthly payment but adds total interest.

Which kinds of loan does the bank offer?+

The bank covers personal, secured and business lending, so a home, personal or business loan can come from the same lender. The rate is fixed, not variable, so payments stay predictable across a long term. Underwriting sits inside the bank rather than a broker network.

Who is eligible to apply?+

Applicants must already bank with Banco de Venezuela, so an existing account is part of the deal. Eligibility also covers Venezuelan nationals and foreign residents who have naturalised, within the age band the bank sets. That rules out anyone opening an account elsewhere first.

Is the bank regulated?+

Yes. It is supervised in Venezuela by the Superintendencia de las Instituciones del Sector Bancario de Venezuela (SUDEBANC). The lending entity is Banco de Venezuela, S.A. Banco Universal (RIF G-20009997-6), a universal bank that lends its own money rather than passing borrowers to other lenders.

How do I get help with the loan?+

Support runs on phone and help centre, so questions go by phone or through the help centre. Phone is the more common channel across lenders, at 85%, and the help centre is also common at 79.8%. Anyone who needs email or chat should weigh a different lender.

When was the bank founded and where is it based?+

The bank was founded in 1890 and is based in Venezuela, so it is an established lender in its own market. That matters on a product repaid over 300, because as a direct lender it keeps the loan on its own books for the whole stretch.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Banco de Venezuela

Existing BDV customers funding home restitution on a long fixed rate term.

9.5/10See alternatives

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