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General
Opening an Account
What are the requirements to open a Personal Current Account?
- At least two reliable references (may include acceptable bank references or employer references);
- Information on what use the account will be put to;
- A valid picture ID and current address.
What are the requirements to open a Corporate Account?
- Articles of Incorporation of the company;
- A copy of its registration in the appropriate Commercial Register;
- All the necessary corporate resolutions.
What are the requirements to open a non-resident (offshore, exempt) account?
- Articles of Incorporation of the company;
- A copy of its registration in the appropriate Commercial Register;
- All the necessary corporate resolutions;
- Acceptable bank references on the beneficial owner of the corporation;
- Legally valid identification documents of the beneficial owner.
Investment Accounts
What are the requirements to open an investment account?
- A relationship with Aruba, Curaçao, Sint Maarten, Bonaire, St. Eustatius or Saba for which a banking relationship is desirable;
- Two bank references from reputable banks;
- The source of funds you intend to use for your account at MCB.
Do you offer online brokerage/trading accounts?
No we do not at this time, but hope to broaden our offering in the future to include online trading and brokerage.
Personal Loans and Mortgages
What are the business hours of the Loans and Mortgage Department?
From 08:00 a.m. to 04:00 p.m.
What are the minimum and maximum ages for applying for a loan?
18 years with parents and up to 71 years. Applications of older persons will be reviewed case by case.
Is there a minimum or maximum amount I can borrow?
The minimum amount is ANG. 500,00. The maximum depends on your financial situation and will be reviewed case by case.
What is the interest rate?
The minimum amount is ANG. 500,00. The maximum depends on your financial situation and will be reviewed case by case.
What information do I have to take along?
- Your last salary slip
- Valid ID or Passport
- Your bank account number.
Can I sign my loan alone or does my husband/wife/partner need to sign also?
It depends. For example, if you require a guarantee from someone in order to approve your loan, that person needs to co-sign the loan.
Can the monthly payments be made automatically or do I have to come to the bank personally?
We prefer automatic monthly payments.
How long does it take to pay off a loan?
This depends on the type of loan.
How long do I have to wait to hear if my application is ok?
In most cases you will receive word within 2 days.
What do I have to do should I need a guarantor?
Check with your family or friends to see if anyone is willing to guarantee your loan. He/she must have a stable job and salary. His/her payment capacity will also be verified.
Can I fill out an application at any of the MCB branch offices? If so, what are the business hours?
Yes you can and the business hours are from 08:00 a.m. to 4:00 p.m. Visit the Bank Directory on our website for detailed information about the opening hours of each branch.
Once I’ve paid off my debt, can I get another loan?
If you have paid off the loan promptly and according to the agreed terms, you can always apply again.
What to do if I cannot keep up with my payments?
The best thing is to always let us know you are having a problem. Contact our loans administration at 466 1817 to discuss the problem and make arrangements to resolve your payment issue.
What happens if I need additional funds during the period of my loan?
You can call or visit us at our office to apply for the additional funds. Depending on your financial situation we will supply you with the funds.