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Term deposit in Kwanzas and US Dollars that let you watch your money grow

Features of the Valor Crescente Term Deposit?

Quarterly increasing interest rates

Guaranteed profitability by long terms

Allows for multiple investments

Minimum initial deposit/Maintenance deposit
Kz 100 000 / USD 1000


  • In Kwanzas: 365 days / In US Dollars: 360 days

  • No renewal allowed

Interest Rate

Interest is calculated daily on the principal invested and not withdrawn at each moment, based on a 365-day (AOA) or 360-day (USD) year.

Minimum initial deposit/Maintenance deposit 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
Kz 100 000 9,00% 10,50% 14,00% 20,00%
USD 1 000 0,25% 0,500% 0,75% 1,00%


Interest is credited quarterly to the current account and is not subject to capitalization

Conditions for transactions

  • No capitalization allowed
  • Allows partial or total early redemption, with a 100% penalty on the interest of the current period.


Interest paid is subject to Capital Gains Tax at a 10% rate, through the withholding tax mechanism.


Capital guarantee of the full amount deposited at maturity and in case of early withdrawal

Useful documents

Valor Crescente Term Deposit in Kwanzas information sheet
0.08 mb
Valor Crescente Term Deposit in US Dollars information sheet
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