Saving is good. Saving smartly is even better.

Open Baroda Advantage Saving Account and get attractive benefits.

  • Key Features
  • Eligibility
  • Supporting Documents Required
  • Identification Documents Required
  • Additional Documents Required
  • Interest
  • Additional Information
  • Fees and Charges
  • No Limit on number of Deposits
  • Minimum opening Balance of $20
  • Free ATM Card
  • Free e-Statement (Once in a Month)
  • No minimum and maximum period
  • Free Internet Banking facility
  • Cheque book Facility
  • 25% concession on locker rent
  • Additional 0.25 % interest on Card Rates
  • Individuals ( Singly or Jointly) having attained the age of 55 years

As required under FTR Act & Customer Due Diligence

Customer to provide documents in support of following

    • Name of Customer
    • Permanent Residential Address in Fiji
    • Date of Birth
    • Occupation , Business , Service or Princial Activity
    • Citizenship
    • Source of Funds

    Non Residents / Non-Fiji Citizens
    • Name of Customer
    • Permanent Residential Address in Fiji
    • Date of Birth
    • Occupation , Business , Service or Princial Activity
    • Citizenship
    • Source of Funds
    • Current and valid Passport or any other travel document issued by a foreign government or recognised international Organisation
    • Current and valid Work, Business or Other Permit or Visa issued by the Fiji Immigration Department
    • Current and valid Employment or Student Status Document issued by the Customer’s Employer or the Education Institute in Fiji.
    • Any other document stipulated by regulatory agencies from time to time.

    For PEP Account (Following Information needs to be provided)
    • Name of Customer in Full
    • Details of Position holds lds or has held a senior government, political or military position
    • Title of Position held
    • If held in Past (From - Upto)

Compulsory Documents to be submitted

  • Tax Identification Number (Tin Letter)
  • A valid Joint Fiji Revenue and Customs Authority & Fiji National Provident Fund ID card
  • Birth Certificate issued by the Births, Deaths & Marriages Registry.
  • In case of married women, Marriage Certificate along with Photo Identity of the Groom & Address Proof is must, if Account is to be opened in name with Groom’s Name)
  • Two Latest Colour Photograph
  • Atleast -1- Document each from List A (FTR Regulations 8(1)) & List B (FTR Regulations 8(2)
List A (FTR Regulations 8(1))  
LIST – I (Latest/ recent photo identification documents)
  • Valid Passport
  • Birth Certificate
  • Marriage Certificate
  • Citizenship Certificate
  • Valid Driving Licence
  • Valid Fiji National Provident Fund membership card;
  • The FIU has determined that the following maybe be used as a identification documents :
  • (*) Letter of reference or certification by a suitable third party.

    (*) Certificate of Registration in the Vola Ni Kawa Bula

List B (FTR Regulations 8(2)  
LIST – II (Latest / recent
documents showing
address proof)
  • Bank statement or account statement issued by another financial institution if the person previously transacted with a bank or financial institution and that bank or financial institution had confirmed the person’s identity (Not Older than 3 Months)
  • Valid Tax Identification Number and acknowledgement from Fiji Islands Revenue and Customs Authority;
  • Notice of taxation assessment by the Fiji Islands Revenue and Customs Authority;
  • Utility Bill for Electricity, Water, Telephone or other similar services issued by the authority responsible for the supply of such services - (Not Older than -3- Months)
  • Municipal Business Licence Certificate or Municipal Rates Statement or Invoice;
  • Mortgage / Loan Account Statement from another financial institution;
  •  Cellular Phone / Television Account Statement;
  • Long-term or short-term insurance policy document issued by an Insurance Company;
  • Motor Vehicle license or registration document;
  • Land or other property ownership document or title;
  • Employment Identification Card or a Letter from the Employer;
  • Pay or salary slip;
  • Identification card issued to a student at a tertiary or technical education institution;
  • Verification by a suitable referee to the satisfaction of bank. (For Current Account)
Cooperative Societies, Association, Clubs
  • Certificate of Registration of Cooperative (As per Co-operative Act ) / Association, Clubs etc. of the societies / association / club if any.
  • Certified copy of the By-laws of the society etc.
  • Resolution of the Management committee appointing the Bank at its Banker for opening of Account and stipulating the conditions for the conduct of account.
  • List of members (with address) of managing committee with the copy of resolution electing them to the committee
  • TIN Letter of the organisation

Charitable / Public Trust / Foundations
  • Certificate of Registration, if registered.
  • Copy of Trust Deed / Constitution document.
  • Power of attorney granted to persons to transact the business on its behalf
  • Certified copy of the resolution signed by all the trustees in regard to the conduct of the account.
  • Any document listing out the names and address of trusts, settlers, beneficiaries and those holding Power of Attorney and other key officials involved in day to day management of the trust / foundation to the satisfaction of Bank.
  • Certificate from the Charity Commissioner in case of registered trust
  • TIN Letter of the organisation

Gang Accounts


  • Tin # of the Gang A/c
  • Minute of the meeting (English)
  • Moga (stamp by the sector office)

Members Who Will Operate The Gang Account
  • Original Birth Certificate
  • Recent 2 passport size photographs
  • Deposit- Normal savings (Passbook ONLY) -$50.00
  • TIN Registration
  • Valid Photo ID (FNPF card, Drivers Licence, Passport & Voter Registration Card)
  • Valid Address Proof

Please Note:

All name should match with all the documents otherwise get a statutory declaration from a JP, Roko, Advisory Councilor or District Officer (DO)

  • Interest is calculated and applied on monthly basis on minimum balance maintained during the month.
  • Interest is credited in the account at the end of every month.
  • Resident Individual Withholding Tax (RIWT)/ Non Resident Individual Withholding Tax (NRIWT) will be applicable as per FRCS guidelines issued from Times to Time.

"The savings as well as current accounts would be treated as dormant if there are no transactions in the accounts for over a period of ONE year. For classifying an account as dormant both, the type of transactions debit as well as credit transactions, induced at the instance of customers and third party would be considered. However, the service charges levied by the bank or interest (payable on the balances of account itself.) credited by the bank would not considered.
Also in case there is no customer induced debit transaction in account for over 24 months the account may also be classified as dormant. Once the account is classified as dormant, the customer induced transactions in the account are permitted on submission of written request by the customer to the branch where account is maintained along with personal ID, address proof and other documents required to fulfill KYC guidelines."

  • No Charges will be levied for activation of Account
  • For closure of account customer to request in writing to the branch where account is maintained.
  • For Clarification or for any other information please contact any of your nearest branch.

(Terms and Conditions apply)

Minimum Balance Fees

Cheque Book Charges
Printing charges and stamp duty as applicable to be recovered.

Stop Payment Charges 
$10. 00 per instrument

Standing Instruction -  External  
$10.00 per transaction

Issue of Balance Certificate
 $10.00 per Certificate

Issue of Detailed Certificate
$50.00 per Certificate

Search Fees
$30.00 per search

Duplicate Pass Book fees
$15.00 per Book

Duplicate Statement Fees
$5.00 per page Computer Printout
$7.50 per page statement

Issuance of Deposit Book (Counterfoil)
 $5.00 per Book of 100 deposit slips

Issuance of Deposit Book (Duplicate)
 $7.50 per Book of 100 deposit slips

Issuance of Deposit Book (Triplicate)
$10.00 per Book of 100 deposit slips

Collection of Cheques fees
$0.40 per instrument

Special Answer Fee
$25.00 per instrument

Cheque Holding Charges  
$15.00 per instrument per working day

Dishonour Cheque Charges 
Outward-$25 per instrument

ATM Transaction fees
Six transactions in a month free. Above six transactions in a month, transaction fee of $0.40 per transaction

Paper withdrawal fees (where ATM card is issued)
  • Two transactions per month free.
  • $3 for each paper withdrawal upto $800 after two free   transactions per month
  • No fee for paper withdrawals of  above $800
  • No Paper withdrawal fees, If ATM card is not issued.

Reissue of ATM card in lieu of Lost ATM Card
$10.00 per card

Regeneration of PIN of ATM Card
$5.00 per request of pin regeneration

ATM Interchange Fees
(for transactions on other Banks' ATM)
a. Balance Inquiry $0.20 per inquiry
b. Cash Withdrawal $0.50 per withdrawal

EFTPOS Transaction Fees
a. EFTPOS Transaction Fees Free

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