More Information

• Am I automatically enrolled in the "pronomia" scheme?

  You can join the Scheme at no cost but registration is not automatic. You have to follow a very straightforward procedure via BoC Mobile App or Internet Banking.

  You need to meet certain minimum requirements, as well as additional criteria, to join. Customers who meet both, depending on their financial circumstances, will be assigned to one of the Scheme's three tiers (Silver, Gold, Diamond). The Scheme's website describes the minimum requirements and the additional criteria for each tier.

• What are the minimum requirements to participate in the pronomia scheme?

  To be eligible to participate in the pronomia loyalty scheme, a customer must meet four minimum requirements:

  1. Monthly income deposited into Bank of Cyprus account
  2. Hold a Bank of Cyprus card
  3. Be an active 1bank subscriber
  4. Be a reliable and credible customer
• What additional criteria must a customer meet to be classified under each tier of the pronomia scheme?

  Customers who meet the minimum requirements are eligible to be assessed for entry into one of the three tiers of the pronomia scheme, based on the following additional criteria.

  • To qualify for the Silver tier, a customer must hold at least one additional product* with the Bank.
  • To qualify for the Gold tier, the customer must meet one of the following criteria:
    • hold two additional products* and maintain total deposits of at least €50,000 or
    • hold a housing loan with the Bank
  • To qualify for the Diamond tier, the customer must meet one of the following criteria:
    • hold three additional products* and maintain total deposits of at least €100,000 or
    • hold a housing loan with an initial amount of at least €200,000, combined with total deposits of at least €100,000.

  * The additional product may include:

  1. Any loan other than Housing
  2. Overdraft Account or Fleksy or Joey Sight
  3. Credit Card,
  4. Insurance policy with Eurolife
  5. Insurance with Genikes Insurance (Home or Motor)
• What are the benefits of each tier ?

  The pronomia scheme consists of three tiers (Silver, Gold, and Diamond), each with different entry requirements and different benefits, which are progressively enhanced from one tier to the next.

   

  Benefit	Silver	Gold	Diamond
  Extra antamivi points with credit cards in antamivi merchants	X1,25	X2	X3
  Lower interest rate on new housing loans	0,10%	0,15%	0,20%
  Lower interest rate on new personal loans	0,5%	1%	2%
  Lower interest rate on new car hire purchase	0,10%	0,15%	0,20%
  Zero initial bank fees on new loans	Yes	Yes	Yes
  Lifestyle Benefits (monthly draws – life experiences)	1 participation	2 participations	3 participations
  Discount on new Home and Motor Insurance policies	10%	10%	15%
  Discount on new Eurolife Personal Accident policies	5%	10%	20%
  Discount on new Eurolife Medica insurance policies	-	-	7,5%
  Discount on REMU properties	-	-	15%
  Discount on selected categories on JINIUS marketplace	5%	5%	5%

   

  Terms and conditions apply to each benefit listed in the table above. To view the detailed terms and conditions applicable to each tier, click here and select the tier you are interested in.

• What can I do if I don’t get the option “Join the pronomia scheme” in BoC Mobile app?

  It is important to ensure that you have the latest version of the BoC Mobile app installed. Once you update the app, the option «join the pronomia scheme” will appear in the “what’s new” section. Alternatively, you can join the Scheme via Internet Banking.  In case you still do not see the option, either in the BoC Mobile App or Internet Banking, you can call 800 00 800 for further investigation.

• Which tier I belong to and how to move up or down the tiers?

  Once you register and give your consent to the processing of your personal data, we'll immediately notify you of your tier and the privileges you're eligible for.

  Moving up or down the tiers:

  The criteria for inclusion in the tiers of the Scheme are checked on a daily basis.  In case you meet the criteria for a tier upgrade, this is done automatically the next working day. In addition, you'll get a push notification about the upgrade via the BoC Mobile App. 

  The same process applies when your ranking is downgraded - when you don't meet the criteria of your current tier. There's a grace period of three months prior to a downgrade, giving you the chance to take action to keep your tier. Also, one month prior to the downgrade you'll get a push notification via the BoC Mobile App.

• Can I exit the "pronomia" Scheme?

  Yes, you may, at any time, request to withdraw from the Scheme. The process is straightforward, and you can do it through BoC Mobile App or Internet Banking.

• Where can I redeem the extra antamivi points?

  Extra reward points apply at all merchants participating in the antamivi scheme, provided that payments are made only with your credit card.

• Do the discounts I enjoy change depending on my tier?

  Reduced interest rates on new housing and new personal loans, as well as discounts on new insurance policies, apply depending on your tier on the opening of your loan/insurance policy. Reduced rates/discounts are not amended in the event of an upgrade or downgrade of your tier.

• How is the discounted interest rate applied on new loans?

  The reduced pricing you're entitle to, in case of a new loan is determined by your tier at the time of applying for the loan and not your tier after the loan is granted.

  For example, if your tier is Silver and you apply for a new housing loan, you'll get reduced pricing on your housing loan based on the privileges of the Silver tier and not those of the Gold tier, which you will join after the opening of the housing loan.

• Do terms and conditions apply?

  Yes, the scheme has its own terms and conditions. Click here to view.