Bank of Kigali cards

A debit card is an electronic check/a plastic card that can be used to withdraw money electronically bank account or purchase /payment of goods where the payment is deducted directly from a checking or savings account

  1. Call 4455 or (250) 788-143-000
  2. Visit your nearest branch or apply online from the card page
  1. Select your PIN when you activate your card
  2. Call 4455 or (250) 788-143-000
  3. Visit a branch with instant issue capability or
  4. Change your PIN at a Commerce ATM (you must know your current PIN to change it
Yes. You can link your savings account to your debit card for withdrawals and deposits at the ATM only. Purchases may only be debited from your primary checking account
Call Customer Service immediately at 4455 or walk in any Bk branch for the card de-activation to avoid fraudulent & you will choose whether to have your replacement card
Call Customer Service at 4455/ with a written note notify the bank within 60 days of receiving the first statement with unauthorized activity.
Call customer service at 4455 /walk in any Bk branch, fill the form once you choose to renew your card and receive it within one- two
Yes. You can track your purchases and daily balance through Online Banking. Plus, your monthly checking account statement will detail all of your debit card transactions, including where and when each purchase was made.
Yes but there may be extra charges concerning exchange rates & Service Assessment fee
Yes but there may be extra charges may be incurred (Service Assessment fee)
  1. The merchant authorizes the refund and sends the transaction information to its financial institution, either electronically or by phone.
  2. The merchant’s financial institution processes the refund transaction and credits your checking account. NOTE: Even if a return is made on the same day as the purchase, the credit may not be applied in real time and your daily spending limit may still be affected by that purchase.
We suggest you start by calling your bank's customer service number or visiting a local branch

Protect your debit card as well as the account number, expiration date and the PIN. "Even if you never lose possession of your card, someone who learns your account number, security code and PIN may be able to use that information to access your account and create counterfeit cards

While in many cases you are not responsible for unauthorized transactions (see federal protections described later), it can be a hassle resolving the situation. Here's how to avoid becoming a victim:

  1. Never write your PIN on or near your card. Memorize it instead.
  2. Don't give out bank account information over the phone or the Internet unless you have initiated the contact or you know the person is who he or she claims to be. For example, beware of deceptive calls or e-mails from crooks claiming to be from your bank asking you to "verify" (divulge) your account information "A true representative of your bank will never need to ask for your PIN because your bank already has your account information.
  3. Don't share your debit card PIN, security code and other account information with friends or relatives who aren't co-owners of your account. Likewise, never reveal this information to anyone.
  4. Take precautions at the checkout counter, ATM and gas pump. Always stand so that no one can see the keypad where you enter your PIN. At retail establishments, it's best to use do-it-yourself scanners. If you give your card to a clerk, be on guard against a dishonest employee who runs your card through two scanners instead of one. The second scanner could be capturing your account information to make a counterfeit card. In general, be alert for suspicious-looking devices that may be used to "skim" information from your card.
  5. If you use your debit card to shop online, consider extra precautions with your personal computer.
  6. Look at your bank statements as soon as they arrive. Or, better yet, review your account each week by phone or the Internet. Promptly report any discrepancy, such as a missing payment or an unauthorized transaction, to Bk. Your quick attention to the problem may help limit your liability and give law enforcement authorities a head start on stopping the thief.
Call Customer Service at 4455/ with a written note notify the bank within 60 days of receiving the first statement with unauthorized activity.
A credit card is a type of bank or payment card that works in a similar way to a debit card but differs in that the money you spend is borrowed from the card provider, whereas a debit card only allows you to spend what is already in your bank account.
The credit limit of any credit card is the amount you are allowed to borrow at any one time
Through ATM
  1. Insert your credit card at the Bk ATM
  2. Select change pin
  3. Once they ask you old pin Enter 0000
  4. Set your own 4 digit PIN.
The amount due for payment is reflected in your Credit Card Statement as Total Payment Due. However, you can choose to pay just the Minimum Payment Due
  1. It is possible only with gold card holders so far
  2. You can get cash advances totaling up to 1million of credit limit.
Your Credit Card Statement is generated every month on the date indicated as the Statement Date. If you do not receive it within 10 days from said date, kindly contact the Contact Centre and we will advise you of the amount payable and arrange to send a copy so you can avoid late charges.
The credit limit of any credit card is the amount you are allowed to borrow at any one time
Please notify us immediately by calling the Contact Centre. This will protect you from subsequent unauthorized use of your card and enable us to provide you with a replacement card.
You can call the Contact Centre at 4455 or write a letter to request for a credit limit increase. You must be a cardholder for at least 11 months before you can make your request.
Yes. Credit cards often have different APRs for Purchases, ATM withdraws, and Cash Advances and these will be clearly outlined in your credit card's monthly statement.
Once your credit card account is open you can change you payment due date by stopping in at your any BK branch or by calling 4455. Once changed, the new payment due date will take effect for the next statement billing cycle.
You can view your monthly statement in one of the following ways:
  1. Go to the nearest branch
  2. Call 4455
  3. On your monthly statement sent in the mail
  4. Via your Online Banking account
Notify the bank as soon as you suspect unauthorized charges on your credit card. If the charges are fraudulent, Follow up the issue & give you a new Pin to prevent additional unauthorized charges. If the charges were placed on your account in error (e.g., a double charge from a merchant), BK will file a dispute to correct the error and reclaim those funds.
Report credit card theft as soon as possible by contacting BK at 4455 OR walk in any BK Branch
We suggest you start by calling your bank's customer service number or visiting any nearest Bk branch
You will be able to use a credit card to withdraw cash from an ATM but doing so will rack up heavy fees, and so you should only do so if it is absolutely necessary.
Raise a dispute to your bank about the incidence, the bank will follow up and refund.
The credit limit of any credit card is the amount you are allowed to borrow at any one time
Doing the following can help you minimize interest charges:
  1. If possible, pay your balance in full to avoid interest charges.
  2. Making on-time payments of more than your minimum payment each month will reduce the overall amount of interest you pay.
You can file a dispute directly with a lender, we’ll conduct an investigation and respond to you when we have the facts.

Dear Customer,

Did you know that you can enjoy a better banking experience with our newly revamped Internet Banking?

Access the platform on https://online.bk.rw - using your Existing Credentials (Username and Password) to log in.

With our new Internet Banking, we guarantee you security, speed and convenience.

Call us on 4455 for assistance.