Banvivienda offers to Savings Accounts and Checking Accounts customers, the option of having a debit card for a yearly membership charge. With CLAVE card, you can review your account balance and make withdraws at any ATM of CLAVE network.   If you withdraw money at a Banvivienda ATM, your transaction is completely free. 

For an additional charge per transaction, you also have access to the network of national and international ATM (PLUS and CIRRUS Networks).

Making payments and purchases at stores is easy, with your CLAVE debit card.  By using your debit card you only spend what you have available in your checking or savings account and avoid the hassle of carrying cash.

Which benefits do I get from having a CLAVE debit card?

At ATM

  • Withdraw cash from the checking and savings accounts associated to your card
  • Check your balances
  • Transfer funds between Banvivienda accounts
  • Pay utilities (electricity, telephone and water) associated to your card
  • Donate funds to fundraisers
  • Buy airtime for cellular phones

At Points of sale

Make purchases without carrying cash, using available funds in your account.

How do I get my Banvivienda CLAVE card?

  • Visit a Banvivienda branch of your convenience, where an executive will help you fill the required documents to get your CLAVE card
  • Remember that to request the card, you must maintain a checking or savings account in Banvivienda

Visit us at any of our branches, and begin to enjoy the benefits of the Banvivienda CLAVE card!

Local Funds Transfer to other banks (ACH Network)

Banvivienda is part of the ACH network, which allows you to make payments electronically between financial institutions nationwide.

What services does the ACH network provide?

It makes the banking process more efficient by reducing check processing and operational costs.

Bank transfers

Payments of obligations, insurance premiums, loans, payment to suppliers and other obligations.

Electronic Transfer of Funds, using the Clearing House Banco Nacional de Panama (eliminates the risk of loss, theft or forgery of checks).

How can I send ACH transfers?

Customers

Send your ACH transfers at our Branches or directly through Banvivienda Online.  All you need is to have a checking or savings account with balance to conduct the transaction.
This service is completely free for Banvivienda customers.
 
Business Customers

Business customers can make and receive payments through the ACH Network. To learn more about ACH contact your account officer, who will explain all the advantages of this service.