Banco Interatlantico review

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

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Our verdict

Banco Interatlantico lends direct to private individuals in CV who hold an account there and have their salary paid in. The rate of 14.455% is high next to the site median of 12%, and the arrangement fee of 2% with a minimum of CVE 1,500, plus I.S. in force pushes the total cost up further.

Key facts

Best for
Account holders with their salary domiciled at Banco Interatlantico who want a personal loan of CVE 50,000 to CVE 5,000,000.
APR
14.455% (Source, checked September 26, 2026)
Loan amount
CVE 50,000 to CVE 5,000,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Arrangement fee
2% with a minimum of CVE 1,500, plus I.S. in force (Source, checked September 26, 2026)
Funding time
Quick response (Source, checked September 26, 2026)
Representative example
TAEG of 14.455% for a CVE 500,000 loan over 60 months at a 12% rate (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Private individuals; account opened at BI and salary domiciled at BI required (Source, checked September 26, 2026)
Origination fee (%)
2% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Banco Interatlantico, S.A. (Source, checked September 26, 2026)
Headquarters
Cabo Verde (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
bi.cv

Mortgages

Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banco Interatlantico, S.A. (Source, checked September 26, 2026)
Headquarters
Cabo Verde (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • The bank is a direct-lender, direct lender, so the contract is with the bank rather than a broker
  • A term of 120 spreads repayments further than most of the field
  • Funding speed is described by the bank as Quick response
  • Support runs on phone and help centre

Cons

  • Free early repayment is no, so settling the loan early carries a cost
  • Eligibility is narrow: an account at the bank and a salary domiciled there are both required
  • The rate of 14.455% is above the site median of 12%
Banco Interatlantico

Ready to try Banco Interatlantico?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Private individuals in CV who already bank with Banco Interatlantico and are paid into that account
  • Borrowers who want a long repayment window of 120 and can live with the 14.455% rate
  • Applicants who prefer a direct-lender over a broker and can apply from the bank itself

Who should look elsewhere

  • Applicants outside CV, since eligibility is limited to private individuals with a BI account
  • Anyone planning to clear the balance early, as free early repayment is no
  • Price-sensitive borrowers, since the rate of 14.455% sits above the site median of 12%

Where it sits among rivals

On cost, Banco Interatlantico ranks 210 of 350 brands listed, placing it in the costlier part of the market. Its rate of 14.455% compares with a site median of 12%. On length, the term of 120 ranks 18 of 232, a longer repayment window than most rivals on the list.

Safety and regulation

The bank describes itself as a direct lender, so the borrowing agreement is with Banco Interatlantico rather than a broker or comparison site. Its published representative example sets out the total cost of a consumer credit advance repaid over a set period, which is the figure worth checking against the 14.455% rate before signing.

How Banco Interatlantico compares

Where Banco Interatlantico is available

Available
Cabo Verde

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

Frequently asked questions

What rate does Banco Interatlantico charge on a personal loan?+

The published rate on the consumer credit is an APR of 14.455%, with loans of CVE 50,000 to CVE 5,000,000 and a stated term of 120. That rate is above the site median of 12%, so it sits towards the dearer end of the market.

What fees apply when I take out the loan?+

Drawing the credit carries an arrangement fee of 2% with a minimum of CVE 1,500, plus I.S. in force, set as a percentage of the advance with a floor, plus the tax in force. Because of that floor, the fee weighs more heavily on the smaller end of a CVE 50,000 to CVE 5,000,000 loan.

Can I repay the loan early without a charge?+

Free early repayment is no, so clearing part or all of the balance before the end of the 120 term carries a cost. Borrowers who expect to settle early should weigh that against the 120 repayment window before applying.

Who can apply for this loan?+

Eligibility is limited to private individuals who open an account at BI and have their salary domiciled at BI. Applicants whose income arrives through another bank do not meet the conditions, which narrows the pool able to take a loan of CVE 50,000 to CVE 5,000,000.

How does the bank describe the lending relationship?+

The lender is listed as a direct lender, so the agreement is with Banco Interatlantico itself, the legal entity Banco Interatlantico, S.A. in Cabo Verde. Funding speed is given by the bank as Quick response, and the credit is a personal loan.

What can I use the money for?+

The bank lists the purposes for this credit as purchase and remortgage. Borrowing is arranged directly with the bank rather than through a broker, and an advance of CVE 50,000 to CVE 5,000,000 can run for a term of 120.

How do I get help or support?+

Support runs on phone and help centre, covering phone and a help centre. Questions about a loan already agreed with the bank can be raised through either route, though new applications start with the account relationship.

How does the cost compare with the alternatives?+

On cost, Banco Interatlantico ranks 210 of 350 brands, and its rate of 14.455% is above the site median of 12%. Cashspace ES charges an APR of 0% and Cashspace runs at PHP 12 to PHP 36.

Sources

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

Not confirmed yet: Credit check.

Banco Interatlantico

Banco Interatlantico

Account holders with their salary domiciled at Banco Interatlantico who want a personal loan of CVE 50,000 to CVE 5,000,000.

8.9/10See alternatives

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