---
title: "Banco da África Ocidental: Banking App"
description: "Open accounts and savings in Guinea-Bissau, apply for consumer, housing or car credit, and pay/withdraw with Visa. MTN MoMo + Orange Money."
canonical_url: "https://liners.com/banco-da-africa-ocidental"
markdown_url: "https://liners.com/banco-da-africa-ocidental.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/banco-da-africa-Ocidental/screenshot.webp?v=1780589281029"
published_at: "2026-06-04T16:05:43.209Z"
updated_at: "2026-09-10T18:27:28.683Z"
---

# Banco da África Ocidental: Banking App

Open accounts and savings in Guinea-Bissau, apply for consumer, housing or car credit, and pay/withdraw with Visa. MTN MoMo + Orange Money.

## Breadcrumbs

- [Banking](/categories/banking)
- [Banco da África Ocidental](/banco-da-africa-ocidental)

## Summary

Everyday banking, savings, credit, and payments in one place

A commercial bank in Guinea-Bissau offering accounts, savings, loans, Visa cards, and digital banking for individuals, companies, and institutions.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.bao.gw/ |
| Tagline | Everyday banking, savings, credit, and payments in one place |
| Primary country | Guinea-Bissau |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

BAO – Banco da África Ocidental is a commercial bank in Guinea‑Bissau serving individuals, companies, and institutions with day‑to‑day banking, savings, credit, and payments.

Key capabilities include:
- **Accounts and savings products** such as **Conta à Ordem** (current account), **BAO Estudante** (for students), **BAO Ordenado** (for salaried workers and pensioners), **BAO Abota** (savings), **BAO Emigrante** (for Guineans living abroad), **BAO Menor** (children’s savings), and **Depósito a Prazo** (term deposits)
- **Credit and financing** options including **Crédito ao Consumo**, **Crédito Habitação** (buy, renovate, or build), **Crédito Automóvel**, **BAO Empreendedora** (small business credit), and **BAO Ordenado** (automatic overdrafts), plus an **online credit simulator** to estimate loan scenarios
- **Payments and transfers** through a **BAO Visa card** for card payments and cash withdrawals, and **mobile money transfer connectivity** with **MTN MoMo** and **Orange Money**
- **Support and transparency resources** with a website channel for **Apoio ao Cliente / Reclamações**, plus published **Condições Gerais** and **preçário** (tariffs) in PDF

Available on **Web** (public website and **BAOnet** internet banking), **Android** (BAOmobile on Google Play), and **iOS** (BAOmobile on the Apple App Store).

Target users include **personal banking customers** (including students, salaried workers, pensioners, emigrants, and parents or guardians saving for minors) and **business and institutional customers** operating in Guinea‑Bissau.

It is notable in the Guinea‑Bissau market for combining traditional banking products with **digital channels** and **mobile money integrations** that support common local payment and transfer needs.

## Features

- [Banking](/categories/banking): Category
- [Commercial Bank](/tags/commercial-bank): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Guinea-Bissau](/countries/guinea-bissau): Market

## Related pages

- [Alternatives](/banco-da-africa-ocidental/alternatives)
- [Reviews](/banco-da-africa-ocidental/reviews)
- [Transparency](/banco-da-africa-ocidental/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/banco-da-africa-ocidental)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)