{"id":381,"date":"2025-05-21T16:13:45","date_gmt":"2025-05-21T16:13:45","guid":{"rendered":"https:\/\/abanc.ao\/?page_id=381"},"modified":"2025-05-22T08:30:06","modified_gmt":"2025-05-22T08:30:06","slug":"sistema-de-pagamento-de-angola","status":"publish","type":"page","link":"https:\/\/abanc.ao\/?page_id=381","title":{"rendered":"Sistema de Pagamento de Angola"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"381\" class=\"elementor elementor-381\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c5fee e-con-full e-flex e-con e-parent\" data-id=\"24c5fee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2d306 elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"6c2d306\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInUp\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-f949396 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\" aria-label=\"page-sistema-de-pagamentos-em-angola-1536x320\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2df2a5 e-flex e-con-boxed e-con e-parent\" data-id=\"c2df2a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1df1d0 elementor-widget elementor-widget-spacer\" data-id=\"b1df1d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c738ab e-flex e-con-boxed e-con e-parent\" data-id=\"4c738ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b862b6a elementor-widget elementor-widget-text-editor\" data-id=\"b862b6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"lead\"><span style=\"color: #000000;\">O Sistema de Pagamentos de Angola (SPA) \u00e9 um conjunto estruturado de instrumentos de pagamento, processos e subsistemas regulado pelo BNA, que visa assegurar a circula\u00e7\u00e3o do dinheiro na economia nacional atrav\u00e9s de transfer\u00eancia de fundos ou de dinheiro, cumprindo com a m\u00e1xima de seguran\u00e7a, fiabilidade operacional, efici\u00eancia e transpar\u00eancia estabelecidos na Lei do Sistema de Pagamentos de Angola, Lei n\u00ba 05\/2005, de 29 de Julho.<\/span><\/p><p class=\"lead\"><span style=\"color: #000000;\"><strong>O SPA \u00e9 constitu\u00eddo por:<\/strong><\/span><\/p><p class=\"text\"><span style=\"color: #000000;\">Seis instrumentos de pagamentos aceites:<\/span><\/p><ul><li><span style=\"color: #000000;\">Cheques<\/span><\/li><li><span style=\"color: #000000;\">Transfer\u00eancias a Cr\u00e9dito (electronicamente ou por ordens de saque e documentos de cr\u00e9dito)<\/span><\/li><li><span style=\"color: #000000;\">Remessa<\/span><\/li><li><span style=\"color: #000000;\">D\u00e9bito Directo<\/span><\/li><li><span style=\"color: #000000;\">Cart\u00f5es de Pagamento (pr\u00e9-pagos, de d\u00e9bito e de cr\u00e9dito)<\/span><\/li><li><span style=\"color: #000000;\">Dispositivo M\u00f3vel<\/span><\/li><\/ul><p class=\"text\"><span style=\"color: #000000;\">Oito subsistemas:<\/span><\/p><ul><li><span style=\"color: #000000;\">Sistema de Pagamentos em Tempo Real (SPTR)<\/span><\/li><li><span style=\"color: #000000;\">Sistema de Compensa\u00e7\u00e3o e Liquida\u00e7\u00e3o de Valores Mobili\u00e1rios (SIMER)<\/span><\/li><li><span style=\"color: #000000;\">Subsistema Multicaixa (MCX)<\/span><\/li><li><span style=\"color: #000000;\">Subsistema de Transfer\u00eancias a Cr\u00e9dito (STC)<\/span><\/li><li><span style=\"color: #000000;\">Subsistema de Compensa\u00e7\u00e3o de Cheques (SCC)<\/span><\/li><li><span style=\"color: #000000;\">Subsistema de D\u00e9bitos Directos (SDD)\u00a0<\/span><\/li><li><span style=\"color: #000000;\">Subsistema de Pagamentos M\u00f3veis de Angola (SPMA)<\/span><\/li><li><span style=\"color: #000000;\">Sistema de Gest\u00e3o de Mercados de Activos (SIGMA)\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a86806b e-flex e-con-boxed e-con e-parent\" data-id=\"a86806b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e15dd71 elementor-widget elementor-widget-image\" data-id=\"e15dd71\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"720\" src=\"https:\/\/abanc.ao\/wp-content\/uploads\/2025\/05\/angolan_payment_system_2.webp\" class=\"attachment-large size-large wp-image-436\" alt=\"\" srcset=\"https:\/\/abanc.ao\/wp-content\/uploads\/2025\/05\/angolan_payment_system_2.webp 960w, https:\/\/abanc.ao\/wp-content\/uploads\/2025\/05\/angolan_payment_system_2-300x225.webp 300w, https:\/\/abanc.ao\/wp-content\/uploads\/2025\/05\/angolan_payment_system_2-768x576.webp 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9e49b2 e-flex e-con-boxed e-con e-parent\" data-id=\"f9e49b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a55467 elementor-widget elementor-widget-text-editor\" data-id=\"1a55467\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80fa025 elementor-widget elementor-widget-text-editor\" data-id=\"80fa025\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p class=\"text\" style=\"text-align: center;\"><span style=\"color: #000000;\">Ver diplomas: Lei n\u00ba 5\/2005, de 29 de Julho; Aviso n\u00ba 8\/2017 de 12 de Setembro<\/span><\/p><\/div><\/div><div class=\"elementor-element elementor-element-5459023 elementor-widget elementor-widget-text-editor\" data-id=\"5459023\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p class=\"text\" style=\"text-align: center;\"><strong><span style=\"color: #000000;\">(\u00daltima actualiza\u00e7\u00e3o: 10 de Novembro de 2017)<\/span><\/strong><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ff7998 e-flex e-con-boxed e-con e-parent\" data-id=\"6ff7998\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6374f elementor-widget elementor-widget-spacer\" data-id=\"7e6374f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O Sistema de Pagamentos de Angola (SPA) \u00e9 um conjunto estruturado de instrumentos de pagamento, processos e subsistemas regulado pelo BNA, que visa assegurar a circula\u00e7\u00e3o do dinheiro na economia nacional atrav\u00e9s de transfer\u00eancia de fundos ou de dinheiro, cumprindo com a m\u00e1xima de seguran\u00e7a, fiabilidade operacional, efici\u00eancia e transpar\u00eancia estabelecidos na Lei do Sistema [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-381","page","type-page","status-publish","hentry"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"_links":{"self":[{"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/pages\/381","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/abanc.ao\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=381"}],"version-history":[{"count":7,"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/pages\/381\/revisions"}],"predecessor-version":[{"id":443,"href":"https:\/\/abanc.ao\/index.php?rest_route=\/wp\/v2\/pages\/381\/revisions\/443"}],"wp:attachment":[{"href":"https:\/\/abanc.ao\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}