We are pleased to offer a comprehensive suite of services designed to empower business owners to operate more efficiently.
Please review the API documents below, which has been specifically tailored to meet your business needs. We look forward to providing you with other advanced business payment solutions in the future.
How do you delete your Belize Bank Digital Profile?
You may request the deletion of your username & digital profile via the option provided in the Belize Bank mobile banking app or by contacting our Customer Support team via our secure Online Messaging Center.
Please note that The Belize Bank Limited is required to retain personal data in certain circumstances, including where:
We would like to formally notify you of the permanent closure of our Ladyville Sky Branch, effective February 23, 2024.
It has been our pleasure to serve you at our Ladyville Sky Branch, and we look forward to continuing to provide excellent service at our Northside Branch, conveniently located at the Belize Bank Centre on Coney Drive, or at our Market Square Branch in downtown Belize City, following the closure.
Please be reminded that all our products and services remain fully available at any of our branches countrywide. We strongly encourage you to explore our digital banking channels, which serve as viable alternatives. For Personal Loans, utilize our Online Loans platform accessible via our website at www.belizebank.com/ola. For everyday banking needs, leverage the Belize Bank Mobile Banking App, Online Banking services, ATMs, Belize Bank debit and credit cards, and E-kyash.
To ensure your continued convenience, our Belize Bank ATM will remain accessible at Sky Gas Station and at the Philip Goldson International Airport. Moreover, we are actively installing one additional ATM within the Ladyville area. Both ATMs will be equipped with automatic depositories, to further enhance accessibility.
For further information, please do not hesitate to contact us via our secure Online Message Center or visit our website at www.belizebank.com for updates.
Thank you for your continued trust in Belize Bank.
| What is the quickest and most convenient way to contact the bank? | You can conveniently contact us via our secure online/mobile banking message center or via telephone at 227-7132 from Monday to Friday from 8:00 a.m. to 6:00 p.m.. |
| What are your contact numbers? | From Monday to Friday (8:00 a.m. to 6:00 p.m.) please feel free to contact us at: (501) 227-7132 (501) 227-7133 To report urgent credit card issues after working hours or during the weekend, please call us at (501) 227-5033. To contact you Business Banking Officer, please locate their phone numbers here. |
| During which hours can I contact Belize Bank? | We are available to respond to your telephone calls from Monday to Friday, expect on public and bank holidays, from 8:00 a.m. to 6:00 p.m. |
| Which number should I call if I have an emergeny with my credit card? | To report urgent credit card issues after working hours or during the weekend, please call us at (501) 227-5033 or watsapp us at (501) 614-1856. |
| How do I get in contact with my personal banking officer? |
Please feel free to reach out to our Customer Contact Center who will then transfer the call to your Personal Banking Officer. We are available to respond to your telephone calls from Monday to Friday, expect on public and bank holidays, from 8:00 a.m. to 6:00 p.m. If you have their email address, you can also send them an email and a response will be provided withing 24 business hours. |
| How do I get in contact with my business banking officer? | Please visit our business banking page here to easily access their phone numbers. |
| Which number should I call to speak with a merchant officer? | To contact one of our Merchant Officers, please dial the following numbers: a. Stann Creed/ Toledo – (501) 614-1049 b. Belmopan/ San Ignacio – (501) 615-8893 c. San Pedro Town – (501) 614-7620 or (501) 614-2549 d. Belize City/ Corozal/ Orange Walk – (501) 614-7418 |
| How do I file a complaint? | To file a complaint, you can conveniently contact us via our secure online/mobile banking message center or via telephone at 227-7132 from Monday to Friday from 8:00 a.m. to 6:00 p.m.. |
| What type of cards can be used at BBL ATMs? | Our conveniently located ATMs easily accept the following card brands: a. MasterCard b. Visa c. Plus d. Cirrus |
| Are there any fees associated with my ATM withdrawals? | You can conveniently withdraw funds using your Belize Bank Debit Card for a small fee of BZ$0.50 per transaction. Other bank cards and credit card withdrawals carry a fee of $xx plus other bank fees that may be levied by your bank. Other convenient ways of accessing your funds include swiping your card at stores or completing online banking payments. |
| Is there a minumum and maximum withdrawal limit per day? | You can successfully withdraw up to a maximum of BZ$1,500.00 daily from any Belize Bank ATMs countrywide. |
| What should I do if my card gets captured by the ATM? | If your Belize Bank Limited debit or credit card gets captured at any Belize Bank ATM, please visit the nearest branch to request for your card. Your debit card may be easily replaced within 3 business days. If your credit/debit card was captured at an offsite ATM, it may take a few days before we can provide you with your card. |
| What should I do if the funds I received is not what I requested? | If the funds received from the ATM does not match the amount that was charged to your account, immediately report it to nearest branch or via the mobile banking secure message center. We will investigate the transaction and should be able to provide a response to you no later than 3 business days. |
| What should I do if my account gets charged when I did not receive the funds? | If no funds were received from the ATM and the transaction was charged to your account, immediately report it to nearest branch or via the mobile banking secured message center. We will investiage the transaction and should be able to provide a response to you no later than 5 business days. |
| How many days would the bank require to re-credit the account for such wrong debits? | We will immediately initiate the investigation and this process may take a few hours or a maximum of 5 business days depending on the situation presented. |
| Where I can I find the nearest ATM? | To find our ATM locations, easily click on https://www.belizebank.com/easy-banking/atm/. |
| Who should I contact if the ATM is not working? | We are dedicated to providing you with the most convenient banking methods. If you notice that one of our ATMs is not working, immediately report it to our Customer Contact Center from Monday to Friday from 8:00 a.m. to 6:00 p.m. |
| What are the requirements to open a small business account? | Kindly be informed that the following documents are required to open a business account: INDIVIDUAL/ REGISTERED BUSINESSES a. E-Certificate of Registration b. Short extract of the business name c. Letter addressed to the Belize Bank requesting the opening of the account, the purpose, signatories, and signing conditions. d. Valid social security card or passport for all individuals on the account and most recent utility bill . e. Address verification for the business (utility bill or lease agreement) INCORPORATED ENTITIES |
| What are the benefits of having a small business account? | Having a small business account is highly beneficial for your business. Below we have listed some of these benefits: a. Ability to maintain proper records of all the deposits, withdrawals, and payments made by your customers. b. Availability of electronic account statements for ease of balancing. c. Immediate notifications of transactions processed to your account. d. FREE online Banking, E-Kyash, Merchant Services e. Access of financing based on your account records. |
| Will I be required to visit a branch to open an account? | If you are a first-time Belize Bank Limited customer, please bring all necessary documentation to the closest branch to open your account.
We also conduct scheduled site visits so that we can collect all the necessary paperwork to open your account. |
| Is my small business account an interest bearning account? | Our chequing accounts are non interest bearing accounts. |
| What fees are associated with this account? | A monthly fee of $7.50 will be levied on your business or personal chequing account. Other fees may include: a. Cash deposit fee of $1.50 b. Cheque processing fee $2.25 for cheques processed by BBL c. $3.50 for cheques processed by other banks |
| Is there a minimum balance requirement? | After opening your account, you will be required to make an initial deposit of BZ$200.00. We recommend that the same balance be maintained in your account to avoid any overdraft fees. |
| Do you have a maximum number of account holders? | We do not have any limit for account holders; however, the names must be included in your account opening letter. |
| How long does it take for an account to opened? | The account opening process is completed within the same day or may take a maximum of 3 business days once all the required documents are presented. |
| Can I obtain an loan and overdraft? | We have special loan and overdraft offers for all our SME customers with special rates and repayment terms.
To qualify for a loan or overdraft, you will be required to meet the following requirements: Please feel free to contact one of our SME officers at any of our Belize Bank branches and they will be more than pleased to review your request. |
| Will I have access to online banking? | Yes, you will be enrolled to online banking on the day your account is opened. |
| Will I obtain a debit card? | Debit cards can only be issued for businesses registered under the catergory of individuals/ sole proprietorship. Incorportated entities cannot obtain a debit card. |
| Can I obtain a credit card? | We have credit card offers for our SME customers. Please feel free to contact one of our SME officers at any of our Belize Bank branches and they will be more than pleased to review your request. |
| Can I issue cheques with this account? | Yes, you will have the ability to issue cheques with our business or personal chequing accounts. |
| What are merchant services? | Merchant services is a financial service typically provided to businesses that wish to easily and coveniently accept credit, debit and prepaid card payment methods (contactless, chip, or magstripe) with the use of a point of sale terminal (POS). OUR POS terminals accept American Express, MasterCard, and Visa cards. |
| What is e-commerce? | “Ecommerce” or “electronic commerce” is a financial payment service method used for the buying and selling of goods and services online. It is one of the most convenient payment methods utilized for online transactions using a MasterCard or Visa branded card. |
| Can I obtain merchant and e-commerce services from Belize Bank? | Obtaining both the merchant and e-commerce services from us is easy. Just follow these steps: a. Visit the nearest Belize Bank branch to open your business account. b. Based on your annual turnover our representatives will recommend the most appropriate merchant service(s) for your business. c. Once qualified for our merchant services, sign our merchant agreement. d. A merchant account will be opened for you. e. Your POS terminal will be ready within 10 business days. f. Our Merchant Officer will visit your business to install the POS terminal and provide the necessary training to your staff. |
| Can I use my personal or business account for this purpose? | As part of the merchant approval process, you will be required to open a Belize Bank merchant account. |
| Which documents do I need to present to open a Merchant Processing Account? | If you currently have an active business account with us, you will only be required to sign the merchant agreement and merchant account documents. |
| What is the approval time for this service? | After all the required documents are submitted, our approval process takes between 1 to 5 days. |
| What card brands can be accepted? | We accept any cards bearing any of the logos associated with Visa, MasterCard, and American Express. |
| What types of payments can I accept? | With our POS merchant services, we accept contactless (card or mobile device), chip, and magstripe transactions. Businesses that accept online payments can easily utilize our e-commerce services. |
| Are both credit and debit cards accepted? | Yes, we accept both debit and credit cards that carry the Visa, MasterCard, and American Express logos. |
| Will training or guidance be provided to my business personnel? | Of course, our dedicated team will provide training to your staff on the card acceptance procedures. |
| When will I see the money in my merchant account? | Payment transactions are available the following business day once your terminal is settled by 4:00 p.m. If you terminal is settled after 4:00 p.m., your transactions will be available in two business days. |
| What rate and fees will be charged for this service? |
Our rate merchant fee rate is 3.50%*. If your annual turnover is below BZ$10,000 annually, we will levy a small monthly rental fee of $50.00. *We offer special rates for exclusive Belize Bank customers. |
| How will my business benefit from this service? | By accepting debit, prepaid, and credit card payments, you can easily: a. Increase customer loyalty and boost your profits as customers will be able to utilize a secure and convenient payment method. b. Increase employee safety and store security by maintaining lower cash volumes in house. c. Boost your profits as this new service attracts customers that are looking for a convenient method of payment. d. Easy accounting of received payments as all transaction will be available the following business day. |
| Who should I contact if I am having issues with my point of sale (POS) terminal? | We have dedicated 24/7 merchant support. Simply reach out to one of the following Merchant Officers: b. Belmopan/ San Ignacio – (501) 615-8893 c. San Pedro Town – (501) 614-7620 or (501) 614-2549 d. Belize City/ Corozal/ Orange Walk – (501) 614-7418 |
| What are the benefits of using mobile or online banking? | Benefits of the Belize Bank’s mobile and online banking include: a. Quick and easy access to your accounts including credit cards and loans. b. Instantaneous online transactions between Belize Bank accounts. c. Instant credit card payments (may carry a small fee) d. Easy processing of bill payments. e. Account Usage Alerts. f. Submit Travel Notices g. Access to Bank Representatives via the online message center h. Security and protection: Softokens, Two-Factor Authentication and Biometric Authentication. i. Convenient 24/7 access from anywhere. |
| What services are available via the app? |
With Belize Bank mobile banking app you can: 1. Use online bill pay, and pay bills at your convenience with online banking |
| What services are available via online banking? |
With Belize Bank mobile banking app you can: 1. Use online bill pay, and pay bills at your convenience with online banking |
| Is the mobile banking app free? | Yes, the mobile app is FREE. If you’re an existing Belize Bank Online Banking Customer, you can easily access the App using your current log on details. If not, you can simply select the “Sign Up Now” button an follow the easy steps to enroll. |
| Are my mobile and online banking transactions secure? | Belize Bank’s mobile banking app and online banking are secure and you can help us protect you account by safeguarding your login credentials and enabling the softtoken feature. Always remener to protect your device with a password, enable multi-factor authentication for your account, and stay away from using a public Wi-Fi network to access your bank account app. |
| How much can I transfer daily? | With the use of soft tokens, enterprise and individual users will have the ability to make online transfers without the need of responding to a confirmation email. Limits will be as follows: Enterprise Accounts : $150,000.00 or less Personal Accounts: $5,200.00 or less Transactions above these amounts will still require a confirmation email. |
| Are online banking transfers immediate? | Instant funds transfer will be processed online 24X7, with funds available within minutes (if receiving bank offers this service) and a small fee of $2.50. Deferred transfers have a $1.75 fee, per transaction, for payments made to other banks. BBL to BBL transfers will continue to be FREE OF COST. |
| Are online banking payments immediate? | Yes, Belize Bank to Belize Bank transfers are immediate. Transfer to other bank accounts are either immediate or deferred, depending on the option you select when processing the transfer. |
| How can I register for soft-tokens? | 1. Log into your Belize Bank Mobile App 2. Click the side menu, scroll down and select Settings 3. Select the Register Soft Token option to start the registration process 4. Enter your Online Banking Password 5. Click the Register Device as Soft Token button 6. Click OK to confirm the registration |
| Can I unregister my soft-token? | You must call customer service at 227-7132 from Monday through Friday, 8 am to 6 pm, to unregister the soft token and activiate it on your new device. |
| What actions do I need to take if I change my phone? Does my OTP remain active? | You must call customer service at 227-7132 from Monday through Friday, 8 am to 6 pm, to unregister the soft token. |
| Is my mobile banking safe if I lose my phone? | Your mobile banking will remain safe if your login credentials were not stolen. To access your mobile banking, the other party will require either your credentials or biometrics. We advise you to contact us if you believe your online account is at risk. |
| What is the purpose of the OTP? | A one-time password (OTP) is an identity verification tool for authenticating users logging into an account, network, or system. |
| How can I change my password or pin? | To change your password or pin, you must visit the nearest Belize Bank Limited branch or contact customer support by phone at 227-7132. A new default password or pin will be given to you, which you can change when you first log in. |
| Can I update my contact information via the mobile app? | We are here to make this process convenient for you. To update your mobile number &/or email address via the mobile banking app: -Login to mobile banking app -Select settings -Select Update Contacts -Enter new phone number &/or email address -Select update |
| Can my joint holder have access to the mobile banking app? | Yes. The app will be accessible to both account holders, who may also view account details. Each joint account holder may independently log in using his or her username and password to access the account. |
| Are all my accounts, including loans, available online? | You can safely manage your Belize Bank checking, savings, credit card, mortgage, loan, and investment accounts online with just one password, from any location with internet connection, at your own convenience. |
| Can I retrieve my credit card statement online? | You can view your credit card statement online at any time by logging into your online credit card account and navigating to the statement information. If you’ve opted into electronic statements, you will be sent an email every month when your new statement is available. |
| How can I send messages to the bank using the mobile app? | To send the bank a secure online message and question regarding your accounts, log in via the mobile banking app and select “my inbox” that is located to the bottom of your home screen, then select the plus sign to create a new message. |
| What are the requirements to obtain a business overdraft? | If you do not currently have a business acount, kindly note the following requirements to apply for a business overdraft: 1. Certificate of registration 2. Audited and/or In-house financials 3. Collateral to secure the facility 4. Valid ID (Social Security or Passport) for the account holders. 5. Proof of occupancy in the form of either a utility bill in your name (within the past 3 months) for the account holders. Belize Bank business account holders are required to present the first 3 documents listed above. |
| What is the maximum overdraft limit my business can obtain? | An overdraft could help your business to deal with seasonal trends and short-term cashflow challenges. The overdraft limit granted varies depending on your need and affordability. Feel free to speak with one of our SME officers for small / medium business overdrafts or to one of Business Development Officers for larger business overdrafts. (provide link to BBU officers) |
| Is collateral a requirement for a business overdraft? | There are two types of business overdrafts namely secured and unsecured. With a secured overdraft, you pledge property or another asset as collateral. This is required to get a higher limit, usually over $xxxx. With an unsecured business overdraft, you don’t need to pledge collateral against the overdraft. |
| What are your interest rates on business overdrafts? | We provide competitive interest rates on overdrafts that range from 11.25% to 13%. |
| What is the payment frequency? | An overdraft is an ongoing credit facility with no fixed repayment terms. Overdrafts are a form of revolving credit, much like credit cards. This means that you can pay off your existing overdraft in full one day and then draw from it the next, or you can increase an existing overdraft as long as you stay within your authorized overdraft limit. |
| When does my overdraft expire? | A business overdraft can be set up to expire on a specific date or can be easily renewed after 1 year. |
| Will I be notified when my overdraft expires? | Yes, your officer will contact you before the overdraft expiration date to discuss the requirements to renew or increase your overdraft limit. |
| Will I be required to visit the bank to renew my overdraft? | No, on the anticipated date of expiration, an overdraft account is evaluated, and the review results in one of the following: review and OD limit improvement, or review and renewal at the same level. |
| What fees can I expect when obtaining an overdraft? | Kindly be informed that the overdraft fee is 1% of the limit, minimum $300. |
| Do I need to make monthly payments towards my overdraft? | Regular deposits will help you maintain your account within the authorized overdraft limit. The interest charges will be applied at the end of the month from your available balance. Please maintain a credit balance to avoid any excess limit fee. |
| What are the benefits of having an overdraft? | A business overdraft acts as a safety net, providing you with peace of mind in uncertain times. By having access to additional funds, you can better manage your cash flow fluctuations, maintain supplier relationships, and acquire business growth opportunities without delays. |
| What is your approval time period? | The typical turnaround time ranges from 2 to 7 business days. Approvals can also take only a few hours when all the required documents are presented and verified. |
| What is an overdraft? | An overdraft occurs when you do not have enough funds in your acount to cover for a transaction. When you have an overdraft protection limit established on your E-Smart or chequing account, we will still honor the transaction on your behalf at an established rate. |
| What are the requirements to obtain a personal overdraft? | Kindly be informed that the requirements for a personal overdraft are: 1. Valid ID such as a Social Security or Passport 2. Proof of occupancy in the form of either a utility bill in your name (within the past 3 months) or a valid driver’s license with your current address 3. Minimum required deposit of $20 |
| What is the minimum and maximum overdraft limit that I can obtain? |
The Overdraft Protection will be offered in four different amounts, namely, $500, $1000, $3000 and $5000. If you wish to apply for a higher limit, pleaso do not hesitate to let us know. |
| What are your interest rates on personal overdrafts? | We provide competitive interest rates on overdrafts that range from 10.50% to 11.50% on personal overdrafts. |
| What is the payment frequency? | An overdraft is an ongoing credit facility with no fixed repayment terms. Overdrafts are a form of revolving credit, much like credit cards. This means that you can pay off your existing overdraft in full one day and then draw from it the next day, or you can increase an existing overdraft as long as you stay within your authorized overdraft limit. |
| When does my overdraft expire? | Personal Overdraft is a revolving facility with 12 months tenor afterwhich it can easily be renewed. |
| Will I be required to visit the bank to renew my overdraft? | No, an overdraft account is reviewed on a yearly basis. Review will lead to one of the following outcomes: Review and enhancement of OD limit or review and renewal at the same level. |
| What fees can I expect when obtaining an overdraft? | An overdraft lets you borrow money through your current account by taking out more money than you have available in your account, In other words you go “overdrawn”. Typically, there is a fee for this service, which ranges from $50 to $250 annually, depending on the level of overdraft you are eligible for. |
| Do I need to make monthly payments towards my overdraft? | Regular deposits will help you maintain the authorized overdraft limit. The interest charges will be applied at the end of the month from your available balance. Please maintain a credit balance to avoid any excess limit fee. |
| What are the benefits of having an overdraft? | Overdraft Protection is ideal for meeting those unexpected costs that may come from time to time. It gives you the peace of mind that you deserve knowing that your overdraft limit protection will cover for your issued checks or POS payment. |
| What is your approval time period? | The typical turnaround time ranges from 1 to 7 business days. Approvals can also take only a few hours when all the required documents are presented and verified. |
