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{{Infobox Interbank Network
{{Infobox Interbank Network
| name = Multicaixa
| name = Multicaixa
| logo = Multicaixa logo.svg
| logo = [[File:Logo of the Multicaixa debit cards in Angola, and the supporting ATMs and POS terminals.jpg]]
| area = [[Angola]]
| area = [[Angola]]
| foundation = 2002
| foundation = 2002
Line 8: Line 8:
}}
}}


'''Multicaixa''' (MCX) is the one and only brand name for [[debit card]]s issued in [[Angola]], and also the brand name for the one and only [[interbank network]] of [[Automated teller machine]]s and [[EFTPOS|point of sales terminals for electronic payments]]. While the ATMs and the POS (Point of Sale) terminals are owned by the supporting bank, the network is operated by EMIS ([[Empresa Interbancária de Serviços|Empresa Interbancária de Serviços S.A.]], english ''Interbank Service Company''), and the Multicaixa cards of any bank are accepted at the same terms at any Multicaixa ATM or POS terminal. This is regulated by the national law on Angolan payment systems,<ref name="Lei05-05-29-06">{{Cite web|url=http://www.bna.ao/uploads/%7B40d68988-7bd3-4ef8-b6ab-651331674f96%7D.pdf
'''Multicaixa''' (MCX) is currently the only brand name for [[debit card]]s issued in [[Angola]], and also the only [[interbank network]] of [[automated teller machine]]s and [[EFTPOS|point of sales terminals for electronic payments]]. While the ATMs and the POS (point of sale) terminals are owned by the supporting bank, the network is operated by EMIS ([[Empresa Interbancária de Serviços|Empresa Interbancária de Serviços S.A.]]), and the Multicaixa cards of any bank are accepted at the same terms at any Multicaixa ATM or POS terminal. This is regulated by the national law on Angolan payment systems,<ref name="Lei05-05-29-06">{{Cite web|url=http://www.bna.ao/uploads/%7B40d68988-7bd3-4ef8-b6ab-651331674f96%7D.pdf
|title=Lei do Sistema de Pagamentos (Lei 05/05 de 29 de Julho)
|title=Lei do Sistema de Pagamentos (Lei 05/05 de 29 de Julho)
|language=Portuguese|trans_title=Law on the payment system
|language=Portuguese|trans-title=Law on the payment system
|publisher=BNA (Banco Nacional de Angola)|date=29 July 2005|accessdate=13 April 2012}}</ref> the [[Banco Nacional de Angola|BNA]] directive No. 9/2011 of 13 October on the regulation of bank payment cards,<ref name="Aviso_09-2011_13-10">
|publisher=BNA (Banco Nacional de Angola)|date=29 July 2005|accessdate=13 April 2012}}</ref> the [[Banco Nacional de Angola|BNA]] directive No. 9/2011 of 13 October on the regulation of bank payment cards,<ref name="Aviso_09-2011_13-10">
{{Cite web|url=http://www.bna.ao/uploads/%7B2227d35c-d613-4440-ab33-8d5477f1e299%7D.pdf
{{Cite web|url=http://www.bna.ao/uploads/%7B2227d35c-d613-4440-ab33-8d5477f1e299%7D.pdf
|title=REGULAMENTAÇÃO DOS CARTÕES DE PAGAMENTO BANCÁRIO
|title=REGULAMENTAÇÃO DOS CARTÕES DE PAGAMENTO BANCÁRIO
|language=Portuguese|trans_title=Regulation of bank payment cards
|language=Portuguese|trans-title=Regulation of bank payment cards
|publisher=BNA (Banco Nacional de Angola)
|publisher=BNA (Banco Nacional de Angola)
|date=13 October 2011
|date=13 October 2011
|accessdate=13 April 2012
|accessdate=13 April 2012
}}</ref> and various other laws and directives regulating the Angolan financial system. The ATMs accept Multicaixa debit cards and [[Visa Inc.|Visa]] [[credit cards]] (Visa credit cards are the only ones issued in Angola). EMIS prepares the acceptance of other international credit card brands like [[Mastercard]].
}}</ref> and various other laws and directives regulating the Angolan financial system.


Besides cash advance and withdrawal, the ATMs offer other services like consultation of account balance and movements, transfer of funds to pay utility invoices, and recharge of [[prepaid mobile phone]] accounts.
The ATMs accept Multicaixa debit cards and [[Visa Inc.|Visa]] [[credit cards]] (Visa credit cards are the only ones issued in Angola). EMIS is currently preparing for the acceptance of other international credit card brands like [[MasterCard]]. Besides cash advance and withdrawal, the ATMs offer other services like consultation of account balance and movements, transfer of funds to pay utility invoices, and recharging of [[prepaid mobile phone]] accounts.


The cards are issued by the bank where the customer has a bank account, using services of EMIS. Besides debit cards linked to a bank account, there exist also [[stored-value card]]s (prepaid debit cards) with and without the possibility to recharge them.
The debit cards are issued by the bank where the customer has a bank account, using services of EMIS. Besides debit cards linked to a bank account, [[stored-value card]]s (prepaid debit cards) also exist, with and without the possibility to recharge them.


At the end of 2011, there were 2.377.969 valid Multicaixa cards, out of which 1.559.841 were being used at least one in their time of validity. There were 1629 ATMs installed in the country, and 18.199 POS terminals.<ref name="EMIS_statistic">{{Cite web|url=http://www.emis.co.ao/index.php?file=company&pageid=75
At the end of 2011, there were 2.377.969 valid Multicaixa cards, out of which 1.559.841 were being used at least once in their time of validity. There were 1.629 ATMs installed in the country, and 18.199 POS terminals.<ref name="EMIS_statistic">{{Cite web|url=http://www.emis.co.ao/index.php?file=company&pageid=75|title=Indicadores de Actividade|language=Portuguese|trans-title=Activity statistic|publisher=EMIS|accessdate=13 April 2012|archive-url=https://web.archive.org/web/20130406080148/http://www.emis.co.ao/index.php?file=company&pageid=75|archive-date=6 April 2013|url-status=dead}}</ref> 81.943.904 transactions were performed at the ATMs in 2011, and 9.063.863 transactions on the POS terminals. Only 11% of the Angolan population has a bank account.
|title=Indicadores de Actividade|language=Portuguese|trans_title=Activity statistic|publisher=EMIS
|accessdate=13 April 2012}}</ref> 81.943.904 transactions were performed at the ATMs in 2011, and 9.063.863 transactions on the POS terminals. Only 11% of the Angolan population have a bank account.


==See also==
==See also==
* [[Empresa Interbancária de Serviços]]
* [[Banco Nacional de Angola]]
* [[Banco Nacional de Angola]]


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{{reflist}}
{{reflist}}


==External references==
==External links==
* [http://www.emis.co.ao/index.php?file=services&pageid=76&subpageid=79 EMIS on Multicaixa bank cards]
* [http://www.emis.co.ao/index.php?file=services&pageid=76&subpageid=79 EMIS on Multicaixa bank cards]


Latest revision as of 18:55, 16 February 2022

Multicaixa
Operating areaAngola
Members19
ATMs1,629
Founded2002

Multicaixa (MCX) is currently the only brand name for debit cards issued in Angola, and also the only interbank network of automated teller machines and point of sales terminals for electronic payments. While the ATMs and the POS (point of sale) terminals are owned by the supporting bank, the network is operated by EMIS (Empresa Interbancária de Serviços S.A.), and the Multicaixa cards of any bank are accepted at the same terms at any Multicaixa ATM or POS terminal. This is regulated by the national law on Angolan payment systems,[1] the BNA directive No. 9/2011 of 13 October on the regulation of bank payment cards,[2] and various other laws and directives regulating the Angolan financial system.

The ATMs accept Multicaixa debit cards and Visa credit cards (Visa credit cards are the only ones issued in Angola). EMIS is currently preparing for the acceptance of other international credit card brands like MasterCard. Besides cash advance and withdrawal, the ATMs offer other services like consultation of account balance and movements, transfer of funds to pay utility invoices, and recharging of prepaid mobile phone accounts.

The debit cards are issued by the bank where the customer has a bank account, using services of EMIS. Besides debit cards linked to a bank account, stored-value cards (prepaid debit cards) also exist, with and without the possibility to recharge them.

At the end of 2011, there were 2.377.969 valid Multicaixa cards, out of which 1.559.841 were being used at least once in their time of validity. There were 1.629 ATMs installed in the country, and 18.199 POS terminals.[3] 81.943.904 transactions were performed at the ATMs in 2011, and 9.063.863 transactions on the POS terminals. Only 11% of the Angolan population has a bank account.

See also

[edit]

References

[edit]
  1. ^ "Lei do Sistema de Pagamentos (Lei 05/05 de 29 de Julho)" [Law on the payment system] (PDF) (in Portuguese). BNA (Banco Nacional de Angola). 29 July 2005. Retrieved 13 April 2012.
  2. ^ "REGULAMENTAÇÃO DOS CARTÕES DE PAGAMENTO BANCÁRIO" [Regulation of bank payment cards] (PDF) (in Portuguese). BNA (Banco Nacional de Angola). 13 October 2011. Retrieved 13 April 2012.
  3. ^ "Indicadores de Actividade" [Activity statistic] (in Portuguese). EMIS. Archived from the original on 6 April 2013. Retrieved 13 April 2012.
[edit]
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