Capital Carte Haiti

What Capital Carte Haiti does

Capital Bank SA, doing business as Capital Bank Haiti, is a privately held commercial bank headquartered at 38 rue Faubert, Pétion-Ville, Haiti, operating as a Société Anonyme. The bank serves three customer segments across Haiti — individual retail customers (Particuliers), business and corporate customers (Entreprises), and micro-entrepreneurs (Micro Entreprises) — through a multi-city branch and service point network covering at least Port-au-Prince, Cap-Haïtien, and Jacmel, alongside digital and self-service channels.

The product portfolio spans six retail deposit account types, five card products (local and international prepaid plus Classic, Gold, and Infinite credit cards), a corporate card, and seven personal loan categories including consumer, express, energy, personal, vehicle, mortgage, and home equity loans. Business offerings include current, overnight, savings-checking, and retirement savings accounts, plus six business credit facilities (revolving credit line, letters of credit and guarantee, term loans, staff loans, and energy financing), microfinance through Micro Crédit Capital, and ancillary services (payroll, cash-in-transit, drive-through banking). Technology is delivered via the Capital Bank Online web platform, native iOS and Android mobile applications, an ATM network, and integration into Haiti's interbank payment system (SPIH) and the MonCash mobile money ecosystem.

The revenue model combines interest income from a diverse lending book (consumer, mortgage, vehicle, energy, micro-credit, corporate term loans, and credit lines) with transaction and fee income from accounts, interbank and international transfers (Capital Transfert), card issuance and interchange, payroll services, and cash management. Distribution is direct-to-consumer via branches, service points, online and mobile self-service, and ATMs, with content marketing, email newsletters, and Facebook supporting customer acquisition.

Name

Capital Carte Haiti

Legal name

Capital Bank SA

Website

https://capitalbankhaiti.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Bank Haiti is a privately held Haitian commercial bank offering retail, business, and microfinance accounts, credit cards, loans, and digital banking across branches in Port-au-Prince, Cap-Haïtien, and Jacmel.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABABAB

SME Business Lending (Term Loans, Lines of Credit, Overdrafts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSAGAAAG

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYFSAMAOAA

Corporate Cash Management & Treasury Services

Financial & Insurance/Payments & Transaction Processing/Cash Management, Cash-in/Cash-out & ATM Services

Keywords

• Retail banking services
• Commercial banking
• Consumer lending
• Microfinance lending
• Payment services

Headquarters

HQ city

Pétion-Ville

HQ country

Haiti

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Credit Products: The bank generates revenue through various credit products including consumer loans, personal loans, vehicle loans, mortgage loans, home equity loans, business credit lines, term loans, letters of credit, and guarantees. Interest earned on these lending products constitutes core revenue.
2. Account and Transaction Fees: Revenue from account maintenance fees, transaction fees, interbank transfer fees (SPIH), international transfer fees, and other banking service charges.
3. Card Services: Income from prepaid cards (local and international), credit cards (Classic, Gold, Infinite tiers), and corporate cards including issuance fees and transaction commissions.
4. Micro Credit Services: Revenue from micro-credit lending products targeted at small businesses and entrepreneurs through the Micro Crédit Capital program.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Capital Bank Haiti is a commercial bank operating in Haiti under the legal entity Capital Bank SA, offering retail and business banking services through physical branches, an online banking platform (Capital Bank Online), and iOS/Android mobile apps. Its product portfolio spans deposit accounts (savings, current, term deposits, youth savings), prepaid and credit cards (Classic, Gold, Infinite tiers, corporate cards), consumer and business loans (personal, vehicle, mortgage, energy, credit lines, letters of credit, term loans), micro-credit (Micro Crédit Capital), and payment/remittance services (SPIH interbank transfers, MonCash, Capital Transfert, international transfers). Revenue is generated from interest income on credit products, account and transaction fees, and card-related commissions.

Product overview

Capital Bank Haiti is a commercial bank offering a comprehensive portfolio of financial products and services organized into retail (Particuliers), business (Entreprises), and other services. The retail segment provides six deposit account types (savings with/without passbook, youth savings, current account, savings-checking, and term deposits), five card products (local and international prepaid cards, and Classic, Gold, and Infinite credit cards), and seven personal loan products including consumption, express, energy, personal, vehicle, mortgage, and home equity loans. The business segment offers four business accounts, one corporate card, six business credit facilities (credit line, letters of credit and guarantee, term loan, staff loan, and energy financing), and microfinance through Micro Crédit Capital. Additional services include Capital Bank Online (digital/mobile banking), ATM network, Capital Pam debit card, SPIH interbank transfers, MonCash mobile payments, Capital Transfert remittances, international transfers, drive-through banking (Guichet Chauffeur), payroll services, and cash transport (Transport de Fonds).

Differentiator

Problem solved

Functional benefit

Products and services

• Compte Épargne sans livret (Passbook-less Savings Account) Savings account without a passbook, providing flexible access to funds for individual depositors in Haiti.
• Compte Épargne avec livret (Passbook Savings Account) Savings account with passbook offering traditional record-keeping for individual depositors in Haiti.
• Compte Épargne Jeunesse (Youth Savings Account) Youth savings account designed to help young people in Haiti develop saving habits.
• Compte Courant (Current Checking Account) Current checking account for everyday banking transactions for individuals in Haiti.
• Compte Épargne-Chèque (Combined Savings and Checking Account) Combined savings and checking account offering both interest accrual and transaction capabilities for individuals in Haiti.
• Compte de Dépôt à Terme (Individual Term Deposit Account) Term deposit account with fixed maturity offering competitive interest rates for locked-in individual funds in Haiti.
• Carte Prépayée Locale (Local Prepaid Card) Prepaid card for domestic use in Haiti, allowing users to load and spend funds without a traditional bank account.
• Carte Prépayée Internationale (International Prepaid Card) Prepaid card accepted internationally, enabling purchases and withdrawals abroad for Haitian customers.
• Carte de Crédit Classic (Classic Credit Card) Entry-level credit card offering basic purchasing power and revolving credit to individual customers in Haiti.
• Carte de Crédit Gold (Gold Credit Card) Premium credit card with enhanced benefits, higher limits, and rewards for individual customers in Haiti.
• Carte de Crédit Infinite (Infinite Credit Card) Top-tier credit card offering exclusive benefits, concierge services, and premium travel protections for individual customers in Haiti.
• Crédit Consommation (Consumer Loan) Personal loan for consumer purchases and general expenses for individuals in Haiti.
• Crédit Éclair (Express Loan) Quick express loan for rapid financing needs with expedited processing for individuals in Haiti.
• Crédit Énergie – Particuliers (Individual Energy Loan) Energy financing loan for residential solar panels, generators, and power solutions for individuals in Haiti.
• Crédit Personnel (Personal Loan) Unsecured personal loan for various individual financial needs in Haiti.
• Crédit Véhicule (Vehicle Loan) Vehicle financing loan for purchasing cars or motorcycles for individuals in Haiti.
• Crédit Hypothécaire (Mortgage Loan) Mortgage loan for purchasing or refinancing residential property for individuals in Haiti.
• Home Equity Loan Loan using home equity as collateral for larger individual financing needs in Haiti.
• Compte Courant Affaires (Business Checking Account) Business checking account for companies to manage day-to-day transactions in Haiti.
• Compte Courant Overnight (Overnight Business Account) Overnight current account for businesses with short-term liquidity management needs in Haiti.
• Compte Épargne-Chèque Affaires (Business Savings and Checking Account) Business savings and checking account combining transactional convenience with interest earnings for Haitian businesses.
• Plan Épargne Retraite (Retirement Savings Plan) Retirement savings plan for businesses to offer employee retirement benefits in Haiti.
• Carte Corporate (Corporate Credit Card) Corporate credit card for business expenses with spending controls and reporting for Haitian companies.
• Ligne de Crédit (Business Credit Line) Revolving credit line for Haitian businesses to manage cash flow fluctuations.
• Lettre de Crédit (Letter of Credit) Letter of credit service for international trade transactions for Haitian businesses.
• Lettre de Garantie (Bank Guarantee Letter) Bank guarantee letter for contractual and financial obligations for Haitian businesses.
• Prêt à Terme (Business Term Loan) Term loan for medium to long-term business investments and expansion for Haitian companies.
• Staff Loan Employee loan program for businesses to offer staff financial benefits in Haiti.
• Crédit Énergie – Entreprises (Business Energy Loan) Energy financing loan for business solar installations and power solutions for Haitian companies.
• Micro Crédit Capital (MCC) Microfinance loan product for small entrepreneurs and informal micro-businesses in Haiti through the Micro Crédit Capital program.
• Capital Bank Online Online and mobile banking platform providing 24/7 account access, transfers, bill payments, check ordering, credit card payments, and interbank transfers (SPIH) for Haitian customers.
• ATM Network Automated teller machines for cash withdrawals, deposits, and account inquiries in Haiti.
• Carte de débit Capital Pam (Capital Pam Debit Card) Debit card linked to the PAM payment network for local transactions in Haiti.
• SPIH (Système de Paiement Interbancaire Haïtien) Interbank payment system service for domestic transfers between Haitian financial institutions.
• MonCash Mobile money service for person-to-person transfers and bill payments in Haiti.
• Chèque de Direction (Manager's Check) Manager's check service for secure large-value payments in Haiti.
• Transfert International (International Money Transfer) International money transfer services for sending and receiving funds abroad from Haiti.
• Guichet Chauffeur (Drive-Through Banking) Drive-through banking service for conducting transactions without leaving the vehicle at designated branches in Haiti.
• Capital Transfert Proprietary remittance service for fast international money transfers from and to Haiti.
• Payroll Payroll processing and management services for Haitian businesses.
• Transport de Fonds (Cash-in-Transit) Cash transportation and armored vehicle services for secure fund logistics for Haitian businesses.

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Scotiabank Haiti: Subsidiary of a major Canadian bank operating in Haiti with retail, commercial, and trade-finance services. A larger, internationally backed incumbent competing for the same Haitian deposit and corporate-banking pool.

Emerging players

• Banque Populaire Haïtienne: Cooperative-style Haitian bank serving retail and SMB segments with deposit and credit products. Comparable on customer segment overlap with Capital Bank's Micro Crédit and retail offerings.

Direct peers

• Banque Nationale de Crédit (BNC): State-affiliated Haitian commercial bank offering retail deposits, business accounts, lending, and remittance services. Comparable scope and Haitian market focus to Capital Bank Haiti.
• Unibank S.A. Haitian commercial bank providing retail accounts, cards, loans, and digital channels to individuals and businesses. Closest direct competitor to Capital Bank Haiti within Haiti's deposit and lending market.
• Sogebank (Société Générale Haïtienne de Banque): One of Haiti's largest commercial banks, offering retail and corporate deposit, lending, and digital banking services in the same Haitian market as Capital Bank Haiti. Directly comparable in product scope and target geography.
• Banque de l'Union Haïtienne (BUH): Haitian commercial bank serving retail and corporate clients with deposit, lending, and trade-finance products in the same market. Directly comparable in product mix and geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/capital-carte-haiti

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Carte Haiti