Cpaye+ Card
Discover the Cpaye+ card: The freedom to pay at your own pace
Fed up with worrying about the end of the month? The Cpaye+ card is the ideal solution.
Thanks to its deferred debit system, you can make purchases with peace of mind, offering you greater flexibility in managing your expenses.
With the Cpaye+ card, say goodbye to end-of-month worries! Pay now, settle later, and enjoy great financial freedom.
What is the Cpaye+ card?
The Cpaye+ card is a deferred debit bank card that allows you to make payments in-store and online.
Who is the Cpaye+ card intended for?
The Cpaye+ card is intended for all Algerian residents, wage earners or retirees, who receive a regular income and are looking for a flexible payment solution adapted to their lifestyle.
Validity duration of the Cpaye+ card
- Three (03) renewable years.
- At the card’s expiration date, it is automatically renewed.
Advantages of the Cpaye+ card
- Maximum flexibility: Pay at your own pace without worrying about your current balance. With the Cpaye+ card, you can make payment transactions even if you do not have sufficient funds, up to your authorized limit.
- Enhanced security: Protect your transactions with our security systems.
- Simplified management: Track your expenses online and easily manage your budget.
- Traceability of carried out transactions: Services are available to give you full visibility over all expenses made.
How does the Cpaye+ card work?
The Cpaye+ card is a deferred debit bank card that allows you to:
- Pay easily at merchants equipped with Electronic Payment Terminals (EPTs) and online, even if you do not have sufficient funds, up to your authorized limit.
- Benefit from a monthly limit defined according to your income.
- Consolidate your expenses and settle them on an agreed date.
What are the conditions to obtain the Cpaye+ card?
To subscribe to the Cpaye+ card, you must:
- Be a wage earner or retiree residing in Algeria.
- Hold an account at CPA.
- Have a stable monthly income of at least 20,000 DZD.
- Have your salary or pension domiciled at CPA.
- Not be subject to a banking ban.
How do you get your Cpaye+ card?
To obtain your Cpaye+ card, nothing could be simpler! Gather the following documents:
- A work certificate (for wage earners) or a retirement certificate.
- A salary domiciliation commitment signed by your employer (form provided by the bank).
Services linked to the Cpaye+ card
- Viewing the current limit on the E-banking portal, accessible via the Bank’s website;
- Access to the statement of payment transactions made using the “Cpaye+” card online, via the E-banking portal;
- SMS CARDS;
- SMS OTP;
Once your file is complete, visit your nearest CPA branch. An advisor will process your request as soon as possible.
Which limit should you choose for your Cpaye+ card?
Your Cpaye+ card limit is defined based on your income and needs. The maximum authorized amount varies according to your salary:
| Salary bracket | Maximum limit |
| Less than 50,000 DZD | 20% of salary |
| 50,000 DZD and above | 30% of salary (equal to or greater) |
Important: The limit is monthly and non-cumulative. It is set from the 1st to the last day of each month.
Pricing:
MANAGEMENT COMMISSION (Deducted in proportion to the granted limit)
- Limit from 4,000 to 10,000 DZD – Fixed commission 200 DZD / month
- From 10,001 to 30,000 DZD – Fixed commission 300 DZD / month
- From 30,001 to 60,000 DZD – Fixed commission 400 DZD / month
- From 60,001 to 90,000 DZD – Fixed commission 500 DZD / month
- More than 90,000 DZD (*) – Fixed commission 600 DZD / month
