Moza Cookie Policy
More Information
Close
Logo Moza Banco
Clique para navegar para a homepage About us Sustainability Information Careers Mercados
  • Login
    • For security reasons we do not recommend the communication of any banking data via email or phone.

      Please note that you should not access the links contained in any message received on behalf of Moza Banco.

      If you receive messages requesting information, passwords and other bank details, you should delete the message and never access the links or open their attachments.

      Help
      Still no access
      Functionalities

      Welcome
      to your Internet Banking

      Personal> Corporate>
Logo Moza Banco
Login

Welcome
to your Internet Banking

Personal> Corporate>

For security reasons we do not recommend the communication of any banking data via email or phone.

Please note that you should not access the links contained in any message received on behalf of Moza Banco.

If you receive messages requesting information, passwords and other bank details, you should delete the message and never access the links or open their attachments.

Help
Still no access
Functionalities
  • Personal
  • Corporate
  • Private
  • Institutional
  • About us
    • Our History
    • Mission, vision and values
    • Corporate Bodies
    • Institutional presentation
  • Sustainability
    • Sponsorship Policy
    • Politica de Responsabilidade Social
  • Information
    • Press releases
    • Covid-19
    • Prudential and Economic - Financial Indicators
    • Financial Report
    • Patrimony
    • Message from the CEO (Covid-19)
  • Careers
    • Vacancies
    • APPLICATION
  • Mercados
    • Prime Rate
    • Precário Simplificado
    • Boletim Económico
  • Branches and ATM's
  • FAQ
  • Click to Chat
  • Support
PT / EN Personal Corporate Private Institutional
Branches and ATM's FAQ Click to Chat Support
PT / EN
  • Personal
  • Corporate
  • Private
  • Institutional
  • About us
    • Our History
    • Mission, vision and values
    • Corporate Bodies
    • Institutional presentation
  • Sustainability
    • Sponsorship Policy
    • Politica de Responsabilidade Social
  • Information
    • Press releases
    • Covid-19
    • Prudential and Economic - Financial Indicators
    • Financial Report
    • Patrimony
    • Message from the CEO (Covid-19)
  • Careers
    • Vacancies
    • APPLICATION
  • Mercados
    • Prime Rate
    • Precário Simplificado
    • Boletim Económico
  • Branches and ATM's
  • FAQ
  • Click to Chat
  • Support
Personal
Corporate
Private
Institutional
Clique para navegar para a homepage
  • About us
    • Our History Mission, vision and values Corporate Bodies Institutional presentation
  • Sustainability
    • Sponsorship Policy Politica de Responsabilidade Social
  • Information
    • Press releases Covid-19 Prudential and Economic - Financial Indicators Financial Report Patrimony Message from the CEO (Covid-19)
  • Careers
    • Vacancies APPLICATION
  • Mercados
    • Prime Rate Precário Simplificado Boletim Económico
  • Login
    • For security reasons we do not recommend the communication of any banking data via email or phone.

      Please note that you should not access the links contained in any message received on behalf of Moza Banco.

      If you receive messages requesting information, passwords and other bank details, you should delete the message and never access the links or open their attachments.

      Help
      Still no access
      Functionalities

      Welcome
      to your Internet Banking

      Personal> Corporate>
Login
  • Welcome to your Internet Banking

    Personal> Corporate>

    For security reasons we do not recommend the communication of any banking data via email or phone.

    Please note that you should not access the links contained in any message received on behalf of Moza Banco.

    If you receive messages requesting information, passwords and other bank details, you should delete the message and never access the links or open their attachments.

    Help
    Still no access
    Functionalities
  • Home
  • Institutional

Our History
We opened our doors for the first time in 2008. In 2011, the Espírito Santo Africa Bank (BES África), the current new Bank of Africa, integrated into the shareholder structure of Moza by acquiring 25.1% of the Bank’s share capital whilst the Mozambique Capitals (the founder shareholder) retained its position as the largest shareholder with participations of 51%. Still in 2011, the prestigious magazine, "The Banker", of the Financial Times Group, ranked Moza Banco as the fifth bank in Africa with the fastest growth in relation to assets. Already in 2013, the shareholder BES África (now New bank Africa) acquired more 23.9% of the share capital of Moza, going to hold 49%. Inspired by the success and the favourable environment of economic growth in Mozambique, we look to the future and see new possibilities. We, then, started in 2014, an expansion program, in order to increase accessibility to our services and be closer to our customers and the general public, assuming the challenge of becoming the "Universal Retail Bank" of reference in Mozambique. In the same year, in 2014, the prestigious publication "Global Banking and Finance Review" awarded Moza as the commercial bank operating in Mozambique with the fastest growth in the year 2014. At the beginning of 2015, the prestigious magazine, "Banker Africa", considered Moza as the most innovative bank in southern Africa. The bank secured total national coverage, marking the presence in all provinces of Mozambique. At the end of 2015 the bank, as consequence of the conjuncture and an adverse economic performance, presented the first signs of lower stability of its economic and financial performance. In September 2016, as a result of the continued degradation of economic and financial indicators and the prudential situation of the Bank, the Central Bank of Mozambique intervened at Moza Banco, with the aim of protecting the interests of depositors and stakeholders, having appointed a Provisional Board of Directors who undertook the necessary actions to recover the activity and rescue the Bank's trust in the sector and market. In June 2017, under the bank's recapitalization process, Kuhanha (Management Company of the Bank of Mozambique's Pension Fund) became part of the bank's shareholder structure, having injected the capital of MZN 8.17 million, corresponding to a participation of 79.3%. It should be noted that after the increase in capital, Moza Banco re-established the levels of prudential ratios, with the regulator on 28 July 2017 determined the end of the extraordinary sanitation arrangements imposed on Moza Bank, and on the same date, the shareholders in the General Assembly appointed the new social bodies and the Bank resumed its normal operations with its own bodies; In December 2017, the shareholders of Moza Banco carried out another Capital reinforcement operation in the amount of MZN 3.542 million, thus providing greater resilience and sustainability to the Moza business model, in line with the 2017-2021Strategic Plan. As a corollary of the recovery strategy initiated by the bank in 2018, we were distinguished by KPMG, as the institution that registered the Largest Variation of Turnover in the Financial and Insurance Sector in 2017, under the 20th edition of the research of the 100 largest companies in Mozambique. In December 2018, Arise, became part of the shareholder structure of Moza, with a participation of 29.80%. Also in December 2018, Moza acquired 100% of the shares of Banco Terra Moçambique (BTM), thus, in the near future the merger between the two institutions will take place. The successful reorganization and financial restructuring program implemented by the bank, after the intervention of the Central bank, and which allowed Moza to reposition itself among the 5 largest banks in the country, was in 2019, the target of recognition by the magazine "The Banker "– A prestigious international publication of specialty in the financial field, of the Times Group, which warded Moza for the ‘’Deal of the Year 2019 for Restructuring in Africa ", that is to say, the best financial restructuring operation of the year 2019, at the Level of the African continent. Moza currently has the 3rd largest distribution network consisting of about 69 business units spread throughout the country and intends to continue to grow, solidly and sustainably, with the aim of providing financial services to a market of increasingly extended customers.
Read MoreRead More
Corporate Bodies
Board of the General Meeting Chairman: Lourenço Joaquim da Costa Rosário Vice-Chairman: Maria Violante Manuel Secretary: Sara Mondego Marques   Board of Directors: Chairman (Executive): João Filipe de Figueiredo Júnior Director (Non-executive): Manuel Aranda da Silva Director (Non-executive): Wilfred Jeroen Scheelback   Fiscal Council: Chairman: Venâncio Matsotsombane Chirrime Vice-Chairman: Irene Maurício Member: Maria Jesus Matola Langa Substitute Member: Maria Lúcia Zacarias   Executive Committee (EC): Chairman of the Executive Committee – João Filipe de Figueiredo Júnior Member – Joana Jacinto David Matsombe Member – Manuel Duarte Emauz de Vasconcelos Guimarães Member – Sérgio Eduardo Ribeiro Member – Vítor Manuel Latas Brazão      
Read MoreRead More
Sponsorship Policy
Moza Banco's Sponsorship Policy comprises integration and communication actions with the society which contribute not only to the fulfilment of our Mission, enhancing its related values but also to the leverage of its institutional image by valuing and establishing its identity with the society, consumer market and its Collaborators. Moza sponsors mainly projects which are in line with its Social Responsibility policy, including mostly interventions in the Cultural, Educational and Health areas. Resources are limited. Thus, the Sponsorship Policy, which meets the guidelines established by the Bank's Strategic Planning, requires that all requests obey a thorough assessment, namely with regard to the aims, documentation submitted, terms and form of presentation of accounts.   1. OBJECTIVES OF THE MOZA SPONSORSHIP: a) Meet Moza's commitment with the community, fostering social and cultural actions; Increase the reputation and recognition of the Moza Brand, thus boosting its name; c) Promote our Values; d) Attract new publics and strengthen the existing relationships; e) Associate the Moza brand to areas and publics of interest; f) Value and motivate our Collaborators.
Read MoreRead More
Careers
Join our team Moza is a benchmark in the banking sector. I am an innovating, dynamic and ambitious Bank. If you enjoy challenges and you are a good team player with creative and leadership spirit and you are looking for a career in Banking, join us in this Project. Send us your application. Click on “Submit Application" and fill in the form. If an opportunity comes up that meets your academic and professional profile, we will contact you.   Note: fill in all the mandatory (*) fields to go to the next page.
Read MoreRead More
Simulators
New mobile app!
Moza Banco opened two new branches in Niassa
09/11/2020

Moza Banco opened, last Thursday and Friday, two new bank branches in Chimbunila and Majune districts, in Niassa province. These branches were opened under the presidential initiative "One District, One Branch" and now are part of the bank’s network of branches totalling 70 throughout the country.    

These branches were built from scratch and provide customers services as well as all related banking services including Automatic Teller Machines (ATM) for varied electronic operations.

Although Moza Banco is already established in Niassa province, these two new bank branches are the first in their respective districts. These infrastructures will benefit about 100,000 inhabitants, 70,000 of them from Chimbunila and about 30,000 from the Majune district.

"We are a bank that aims to get closer and closer to Mozambicans and when we talk about Mozambicans we mean absolutely everyone. So the opening of these branches in these districts makes us believe that we are honouring what has been our aspiration and that is what the bank's customers can expect from us, a greater proximity", explained João Figueiredo, Chairman of the Bank's Board of Directors, moments after the opening of the second branch in Majune district.

The Governor of the Bank of Mozambique, Rogério Zandamela, speaking moments after the opening of one of the branches, expressed his satisfaction with the establishment of the two branches in Niassa, "We are sure that the entry into operation of these branches will bring greater opportunity and flexibility in the settlement of financial transactions in Majune, in particular, and in Niassa province, in general, thus contributing to the promotion of the economic activity and, above all, to the improvement of the financial inclusion indicators at provincial level".

The Central Government also attended the event through the Ministry of Agriculture and Rural Development, represented by the respective deputy minister, Olegário dos Anjos Banze, who noted that "with the opening of these two Moza Banco’s branches, Niassa province has a further 12 districts with at least one financial institution, benefiting nearly 918. 955 inhabitants that are economically active, making up 49.2 percent of the total population with access to banking services, out of more than one million eight hundred thousand inhabitants in the province, with only the districts of Metarica, Ngauma, Sanga and Muembe missing".

In turn, the Secretary of State in Niassa said during his speech that "The establishment of Moza Banco in the districts of Chimbunila and Majune, will minimize the suffering of the population that once had to travel long distances to the city of Lichinga in search of banking services, but today, local residents will be able to carry out transactions and have  access to funding for entrepreneurial activities, and therefore improve their lives," stressed the Secretary of State in the province of Niassa Dinis Vilanculo.

João Figueiredo said that under the Presidential initiative "One District, One Bank", Niassa will gain two more Moza Banco branches. "With these 2 branches, MOZA now has 15 branches opened under the aforesaid initiative and plans to open a further 10 branches, two of them in Niassa - Ngauma and Sanga”.

Given that the aim is to touch and improve the people's lives, taking into account the pandemic that the country and the world are going through, Moza Banco has offered hygiene kits as part of its Social Responsibility.

The kits comprise two water tanks of 5 thousand litres each, 500 fabric masks, soap boxes, buckets of 20 litres with taps, for the district of Chimbunila. For Majune, Moza Banco offered 300 kilos of maize seeds, 200 kilos of sesame seeds and 200 hoes with the aim of promoting agricultural production and marketing.

 

Moza Banco and FNDS enter into partnership to support the country's agricultural sector
04/11/2020

Moza Banco and the National Fund for Sustainable Development (FNDS), an institution under the Ministry of Agriculture and Rural Development (MADER), have recently signed a Protocol to establish a joint search of financing solutions that will benefit the primary sector of the economy in a consistent and truly viable way.

Under these terms, the two institutions have reached an agreement to make available, under the SUSTENTA Project, a fund of MZN 1,173,216,999.57 MT. This fund includes a Credit Line to support the Agri-Business sector and is also related to a non-refundable grant component, which means a contribution in funds to support the strengthening of the equity of these business units.

At the signing ceremony, João Figueiredo, Chairman of the Board of Directors of Moza Banco, referred to the importance of this initiative to the real economy, "as with the cooperation of MADER, through the FNDS, it will be possible to establish a healthy balance between the involvement of equity and bank financing to the beneficiaries of this financing".

On the other hand, "it is worth mentioning the effort of the State, both in raising funds from other partners such as the World Bank and through the State Budget, would ultimately make it possible for these funds to be granted at a subsidised rate well below market rates, in line with the expectations of the Sector".

Claudio Borges, Chairman of the Board of Directors of the FNDS, reacted by saying that "data in the possession of MADER has shown that less than 1% of farmers in Mozambique have access to bank credit. In order to overcome this reality, we believe it is necessary to create financial products adapted to the various players in an agricultural value chain. One of these products is available to the market through this partnership with MOZA, and there is room in the near future for other commercial banks to participate. Through this partnership, which will ensure transparency and compliance, it has been possible to create a credit line with conditions that we consider appropriate for the agribusiness segment and will allow greater integration and development of agricultural value chains’’.

The terms and conditions of access to this Credit Line will be made available to the market in the next few days through Moza Banco and FNDS distribution channels.

Moza Banco and Muva join forces against gender-based violence
11/09/2020

It was with the well-being of Mozambicans and the improvement of their living conditions in mind that Moza Banco decided once again to join the MUVA platform to campaign against gender-based violence in times of confinement and as a consequence of the new Coronavirus.

The campaign, Gender in Times of Covid-19, aims to raise the families’ awareness that staying at home aims to make the family aware that staying at home should translate into togetherness in the place of domestic violence, be it verbal or physical.

Besides Moza Banco, the project is also supported by MEPT, ALIADAS and MISAU partners, and aims to raise awareness on the importance of togetherness, prevention and dialogue, as a way to prevent the increasing of domestic violence in times of crisis, such as the one we are experiencing at the moment. In these cases, women and children are generally the main victims, hence the need to protect these social groups.

The campaign will last two months, and over this period Moza Banco will disseminate awareness messages in its communication channels, as well as develop other initiatives devoted to gender issues.

This campaign is one of several initiatives that Moza Banco is carrying out within the theme and fighting against Covid-19.

In addition to communication campaigns, Moza Banco has implemented a number of measures to prevent its employees from being contaminated, or its facilities from becoming outbreaks of the virus. 

Among the various measures, the dissemination of information and preventive measures on Covid-19 to employees, customers and the general public, through our respective information channels, as well as the strengthening of cleaning and disinfection procedures at our premises, branches, ATMs and kiosks, are noteworthy. The Bank has determined the mandatory temperature measurement of its employees and customers, as well as the use of protective masks by all employees in customer service.

See MoreSee More
  • Personal
  • Corporate
  • Private
  • Institutional
About us
About us
  • Our History
  • Mission, vision and values
  • Corporate Bodies
 
Sustainability
Sustainability
  • Sponsorship Policy
 
Information
Information
  • Press releases
  • Financial Report
  • Message from the CEO (Covid-19)
 
Careers
Careers
  • APPLICATION
 
Mercados
Mercados
  • Prime Rate
  • Precário Simplificado
  • Boletim Económico
 
Contact Us
Contact Us
  • Call Center MOZA
  • Suggestions and Claims
  • Click to chat
  • Click to call
  • Price List
  • Privacy Policy
Copyright © 2021 Moza. All rights reserved
Moza