BCR Card Sales


Banco de Costa Rica offers its customers different account types, either in colones or dollars to control money safely, available, better services and a wide branch network and electronic means of self-service 24 hours a day along the year.

Warning: provide your personal account to receive or transfer money from and to strangers has legal implications.  Do not provide your account to third parties; remember:  account misuse may result in account closure by the Bank.

Further information:

 Región de Tabs

Checking Account

Savings Account

Simplified Account

General Benefits

Debit Cards

General Requirements

Checking Account

What is it?

It is an agreement through which the Bank administers money or securities received from an individual and are credited immediately as deposit. It grants a credit which can be drawn upon through checks, money drafts issued by depositary and through different electronic and technological tools that Bank offers to account holders.


  • Checks in dollars and colones
  • Permits business at any time, guaranteeing them with a check as securities title.
  • It is a guarantee of a payment order, that is, payment breach shall be a reason to place a judicial demand.
  • It is the mechanism of tax and accounting internal control

To who is addressed?

It is addressed to individuals and corporations.

Related Services


Checks are securities titles widely used as payment.  There are certain provisions for payment which will mention after.

Draft  over other securities

Are drafts credited to a checking account holders who has a due collection procedure such as a check.

Basically is a loan granted to the customer so that he may use money before the regulated time. There is a commission charge for such service.

Liquid Account

What is it?

It is an agreement through which the Bank administers money or securities received from an individual and are credited immediately as deposit whose movements can just be electronically performed.

Electronically, customers may transfer funds to and from the Liquidity Account obtaining good cash flow with higher interest rates than other accounts.



  • Yield to be paid is negotiable at Banks Treasury
  • No check issuance shall be permitted.
  • It can be related to new or existing accounts, of individuals or corporations.
  • Interests are daily calculated and monthly credited.
  • Interest rate shall be the same every day, including weekends and holidays.
  • Cannot be related to debit card
  • Only electronic transactions are made through bancobcr.com; Bancatel or Banca Móvil. .

To who is addressed?

It is addressed to all Top customers individuals or corporations who want high yield in accounts and who own high average monthly balances.

What is a Euros Account?

It is an agreement through which the Bank administers money received from an individual and are credited immediately as deposits.

It is a service aimed to customers who want to deposit Euros for international creditor payments located in Europe.

Account provides security and eases process. Customer will have a Euros account and international payment offered by BCR, so that customer fulfills obligations abroad.

Target audience?

Individuals of age and artificial persons/corporations.


  • Customer may directly pay in Euros in any currency he may need.
  • The Euro is the strongest currency and frequently used for international payments.
  • Customer may deposit in cash.
  • Customer may withdraw in cash provided that there is currency available in the office. For withdrawals greater than 5000 Euros, please coordinate with Currency Vault in Headquarters.

Fund usage

Upon need to use funds to be used abroad, customer will have following alternatives which he may request at any BCR branch.

International Wire Transfers.


What is it?

It is an optional service that according to internal policy Bank offers its customers with the understanding that its main purpose is to save money and based on its rules and operations, those accounts opened to facilitate corporate payroll will also functions as such accounts.


  • It allows usage of diverse electronic means (Bancatel, bancobcr.com).
  • It allows usage of credit card.
  • It is a tool for credit transactions.
  • It has BCR support as government financial institution.
  • Deposited funds are safe.
  • It offers immediate withdrawal of funds deposited in cash.
  • It offers a wide network of automated teller machines (ATM) strategically located throughout the country.
  • A specific amount is not required to open such account. It just requires customes to keep depositing balance is always there and account is not closed.

Savings account types:

          Savings account addressed to individuals and artificial persons/corporations.

          Cuenta Conmigo” for kids under 12 years old.

          Youth account addressed to under age individuals between 12 and 18 years old. 

          Savings account for Retired individuals.

To who is addressed?

It is mainly addressed to individuals or corporations who want to save and manage their money.  At a lesser degree it can be used by corporations who do not need to issue checks.


Simplified Account

What is it?

The Simplified or Account of Simplified Record (CES, for Spanish acronym), is a financial product that allows citizens to open an account in a simple way; by solely submitting a valid identification document and a mobile phone number.

There are two types of simplified accounts, according to the maximum limit of deposits (monthly average):

          Level 1: Up to 1,000 US dollars or its equivalent in national currency. Local and foreign residents must submit a valid identification. Maximum limit for foreigners not resident in the country and must submit a valid passport.

          Level 2: up to 2,000 US dollars or its equivalent in national currency. Local and foreign residents must submit a valid identification document. It does not apply to non-resident aliens (valid passport).

Note: For fund income higher to monthly average of $2,000 or its equivalent in colones, as well as people identified with passport with income greater or equal to $1,000 or its equivalent in colones, must directly apply for regular account opening in a BCR office.


BCR warns:

Providing your personal account to receive or transfer money to and from strangers has legal implications. Do not lend your account to third parties; remember that account misuse may empower the Bank to close it.


Aimed at individuals of age with low risk profile, according to risk categorization model which to meet the 8204 Act scope and its regulations, is effective.


Simplicity at account opening

•Access to all Bank electronic channels.

•Receiving salary in your account.

•Withdrawing money from ATM.

•Non-resident foreign individuals must present current passport and immigration stamp upon entering Costa Rica.  

•Service payments and recharge services.

•Immediate availability of funds in cash.

•It has Government guarantee in accordance with Article 4 of the Organic Law of the National Banking System.

•It allows the use of (local and international) debit card, which has an insurance against theft or fraud up ¢ 500 thousand colones in the event that customer alerts the Bank within following 72 hours after the event, provided that fraud does not involve usage of password or PIN by offender. 

•Allows designation of authorized persons, which are third parties at the option of the holder of the service to access operating management of the same.

•It allows the designation of beneficiaries. 

•It allows the issuance of electronic certificates of term deposit with support of account fund.

•For any questions regarding product operation; customer can resort to support services provided by the Bank.

Currency: Colones

Type of account: Simplified.


Service Conditions

•Does not apply to people who exceed transaction limits indicated in two types of simplified account procedures.

•The client may request the account through the web www.bancobcr.com.  This may or may not be a BCR client. Once the request is made, you must go to the office where you indicated the sending of the card in order to complete the service and sign the contract; this will have a maximum of 60 calendar days, otherwise the account will be closed.

•Only one account per customer can be requested.

•The accounts are subject to Regulation for Savings Accounts (Dollars and Colons), Regulation of Electronic Banking Services, the Regulation of Rates and Conditions for Services of the Bank of Costa Rica.

•They can not be used for sending and receiving international transfers.


Sites where you can make the request:

•In authorized BCR Offices.


•In the BCR Mobile App / Online Requests.

•Contact Center – Phone call 22111111.

•And the Tucan points located throughout the country.


  • Wide ATM network, more than 370 ATMs located in strategic point throughout the country available at flexible times, 365 days a year.  ATH ATMs are also available as well as the ATMs at
  • Supermercados Palí en Costa Rica.
  • Access 24 hours a day, 365 days a year through Bancatel (2258-91-91), Bancamóvil (Banking at mobile phone at 2276) and www.bancobcr.com (with Clave Dinámica for further security for online procedures).
  • Support and safety of government financial bank.
  • BCR- Débito card usage, with $10,00 annual management fees related to the account (except Cards Cuenta Conmigo, Cuenta Propia, Pensionados).  It is insured against theft or fraud in the amount of five hundred thousand colones. Can be used in more than 18 thousand points of sale. 
  • Immediate cash availability
  • Monthly statements of account through e-mail or bancobcr.com
  • Permits an exact control of income and expenses
  • It becomes a reference for loan applications.
  • Can name authorized parties and beneficiaries.
  • Discounts and sales.
  • Assistance Center 24 hours a day, every day of the year.
  • Utility payment and other recurrent charges:
  • Direct connectivity through bancobcr.com with Public Institutions and private organizations.


What is it?

It is a card related to savings accounts, electronic or checking accounts.  It is safer than cash since it is robbed, it can reported avoiding an empty account.  It is a payment means accepted in thousands of Visa and/or MasterCard point of sales locally or internationally.

Card types by age ranges and trademark


Age range



0 to 13 years old



14 to 17 years old



18 to 30 years old



Older than 18 years old




Older than 18 years old with gold credit profile




Older than  18 years old with platinum credit profile





 C.C.S.S. Retired



Requirements for opening checking and savings accounts*

In the event that you request a change in the ID number or name, you shall solely submit new ID document once file verification confirms that is up to date.

Costa Rican individual

a) Original identification document for account owner and authorized persons.

b) Filling out the “Know your Customer” Form (account owner and authorized person).  It does not apply for simplified accounts.

c) Income verification or good description and/or fund source which justify transactions to be performed; for example; salary, fees, business operation, inheritance, rent, among others; which must be supported through salary certificates and/or social security receipts (only salaried employees). Income Certificate by Certified Public Accountant (those independent workers, non-salaried employees), public or commercial database information, employer lists, among others.  Document must include following data:

·         Occupation

·         Employer name or business nature if independent worker

·         Received Income amount

·         Occupation or career

You are exempt from submitting previous requirements when:

You receive your income or perform monthly transactions in amounts lower than two base salaries or one base salary in the event of remittance agencies (per Act 7337) in colones or its equivalent in other currency.


Checking Account Additional Requirements

  • Initial deposit per bank requirement according to account currency type (colones, dollars, or euros).

Underage individual (solely savings account):

a) Birth certificate of underage individual. 

Document must include father and/or mother’s name, if absent, tutor or legal person in charge name.  Information must be included in the Civil Registry, National Childhood Board or judicial entity document.


You are exempt from submitting previous requirements when:

The underage individual has the Underage Identity Card (TIM, for its Spanish acronym) issued by Civil Registry which is the only way to certify underage’s identity; however, he cannot proceed to open account by himself.

b) Original ID of the father, mother, tutor or legal person in charge

c) Father, mother or tutor’s signature in the opening saving account contract.

d) Filling out and submission of “Know your customer” Form by the father, mother, or tutor.


Note: Solely the father, mother, tutor or legal representative who originally did account opening is the person who has legal authority to add or eliminate a tutor or authorized persons.


Costa Rican underage mother

Underage Conta Rican mother has the authority to represent her child, so she should submit judicial authority document concerning child support (alimony).

Costa Rican underage worker

a) Underage worker (older than 15 bus under 18 years old) must submit letter from the employer who is hiring him indicating work conditions and job description per compliance with Costa Rican legislation.


Foreign Individuals*

For saving or checking account opening, foreigner individual must submit original ID document.

ID documents for foreigners considered by the BCR are as follows:

·         Passport (*).

·         Residence ID

·         Temporary or permanent residence ID

·         Retired ID

·         Refugee ID

·         International Mission ID

·         Temporary Permit

·         Resident with Private Income

·         Dependent of Private Income Person ID

·         Political Asylum Resident

·         Resident card


ID card for foreigner members of Diplomatic Organisms, Diplomatic Missions or International Missions issued by the Ministry of Foreign Affairs and Worship.

Additionally, Immigration Act reads that temporary resident could solely perform paid or lucrative activities by himself or in dependency authorized by General Directorate according to technical studies of Ministry of Work and Social Security; therefore, temporary resident must submit authorization as part of fund origin verification.

(*) Aspect to be considered customers with Passport.

Any immediate supervisor officer who is in charge will decide on validity of passport as valid ID for account opening (either savings or checking account) and shall make sure on legitimacy, effectiveness as well as immigration status of applicant; in same way, it shall leave written evidence which shall be included in account file.  Income must be equal or lower to US$1000.00.

Individual with Labor Capitalization Fund contributions

Requirements shall solely apply for saving and checking account opening and if you are a BCR Pensiones customer who withdraws money of the FCL.

In addition, you will need to meet following requirements:

a) Original ID document:  you are exempt from submitting copy of ID document if BCR server may obtain information from internal mechanisms authorized by BCR.

b) Initial deposit regarding withdrawal of Fondo de Capitalización Laboral of BCR Pensiones.


Company Account Opening Requirements

1)     Literal certificate of legal capacity with less than a month of issuance. Corporations identified as associations, cooperatives, foundations or similar that are not stock companies must submit additional and/or equivalent documents.  For such cases, corporations should contact Assistant Center or account executive.

2)     The constitutive act. Legal document that constitutes the creation of an association, institution or company.

3)     Shareholder’s book issued by Notary Public with no longer than three months of issuance.

4)     Domicile certificate:  Bank provided form, signed by legal representative: 343-JD Verification of corporate and institutional address.

5)     ID documents for general attorney and individuals to be authorized.

6)     Income Verification: through financial statements for last fiscal period audited or internal duly countersigned by accountant and legal representative or accounting certifications issued by a public accountant; companies that will start operations can provide feasibility studies, documents of approval from municipalities, drafts, projected cash flows or others that show business volume.

7)      Initial deposit per Bank currency requirement.  Fifty thousand (¢50,000) for colones account, five hundred ($500.00) for US dollar account and €100.00 for euro account.

NOTE: For stock companies incorporated through CREAR EMPRESA; documents which substitute incorporation act (deed) and legal capacity document are:

·         Literal Certificate of Stock Company

·         Certificate of Stock Company relevant information by Record Notary


For further information on our product and services, please write to CentroAsistenciaBCR@bancobcr.com or visit your nearest BCR branch.



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