Banks in Haiti

Haiti's formal banking system includes commercial banks, savings and housing banks, and other deposit-taking financial institutions. The BRH is Haiti's central bank and oversees currency, banking supervision, payment systems and clearing. Its Direction de la Supervision Bancaire et des Institutions Financières carries out off-site and on-site supervision. BRH rules cover capital, liquidity, solvency, reserve requirements, accounting, deposit protection, information technology security, anti-money-laundering controls, transaction reporting, cheques, cards, interest, fees and agios. The BRH banking list dated September 8, 2026 names BNC, BPH, BUH, Capital Bank, Citibank N.A. Haiti branch, SOGEBANK, SOGEBEL, Unibank and BNDA. A separate SNIF count dated March 31, 2024 records eight banks, so the two figures reflect different dates or classifications and should not be treated as one harmonized total. Banks commonly offer savings accounts, current accounts, fixed-term deposits called dépôt à terme or DAT, chequebooks and debit, credit or prepaid cards. HTG and USD accounts are usual. Published examples show that opening balances vary by bank and product: savings accounts range from 600 to 650 HTG or from 5 to 10 USD at the cited banks; current accounts range from 5,000 to 10,000 HTG or from 100 to 250 USD; and fixed-term deposits at BUH and SOGEBANK begin at different amounts and offer terms such as 3, 6, 12 or 24 months, or 90, 180 and 365 days. Interest, minimum-balance conditions, service fees and early-closure charges depend on the product's current tariff. Account opening usually starts by checking the bank's requirements, completing its form, signing the documents and visiting a branch. Banks generally request a valid CIN, passport or driver's license and proof of address. They may also request an email address. Minors need additional documents and a tutor, joint accounts are possible, and non-residents face bank-specific requirements. No uniform BRH service deadline for opening an account has been identified. Payments can use cash, cheques, transfers within one bank, interbank transfers through SPIH, international SWIFT transfers, cards, ATMs or GABs, POS terminals and online or mobile banking. The BRH's PRONAP platform supports electronic payments, lower reliance on cash, local interoperability and faster processing. Electronic-payment providers regulated under the BRH framework include HaitiPay, NATCASH/NATCOM, MAGO/SOGEBANK, MONCASH/Unigestion and KashPaw/Kiskeya Technologies. These services can support cash-in and cash-out, electronic-payment funds and e-money accounts, but they are not automatically bank accounts. Formal alternatives include CEC and IMF, which can provide regulated savings or payment functions and may be easier to reach in some areas. They are not banks. Remittance houses and foreign-exchange offices can help with transfers or currency exchange, but they do not replace a bank for the full range of deposit and payment services. Access remains uneven. SNIF data dated March 31, 2024 records 2,652,461 bank accounts, a bank-account penetration rate of 11.85%, 288 ATMs and 5,678 POS terminals. Branch data from 2023 places 63.3% of bank branches in Port-au-Prince and 67.55% in the Ouest Department; several municipalities account for only 0.53% of branches. Branch, ATM and POS availability should therefore be checked for the specific area and current security conditions before relying on a service. Banks must disclose interest, tariffs, fees, commissions, agios and rules for inactive accounts under BRH Circular 109-1. Customer-protection rules in Circular 131/2026 cover fair treatment, clear information, privacy, fraud protection, complaints and remedies. A bank generally bears responsibility for unauthorized card transactions unless it proves the customer's fault or negligence. Merchants may not add a surcharge for card or electronic payments. Customers should keep identification data current, protect PINs, TANs and other credentials, report loss or misuse immediately and follow the account contract and tariff. BRH supervision and prudential rules provide regulatory protection, but the reviewed BRH sources do not identify a general deposit-insurance scheme or a fixed state-backed payout limit. Bank supervision should therefore not be described as a guarantee that every deposit will be repaid. Compare the bank's branch and ATM access, account currency, opening balance, fees, payment channels, digital services and complaint process before opening an account.