BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. Apresente-se. Taking stock of the institution’s presence in Macau, Álvares emphasised the community service and support for local economic activity. Guaranteed Interest Rate up to 2. Rua de Évora Nos 336-340, Fa Seng (Flower City) Ground Floor AA, Taipa, Macau (853) 2883 3633. 2. | Saiba mais sobre as conexões, experiência profissional, formação. : Doc. BNU Cards & Apple Pay. At BNU counters you can make deposits, withdrawals, transfers and payments and through BNU Online, our Internet banking service, you can make transfers and bill payment and see your account movements and statement. Portuguese living in Macau and working in the banking sector (Macau ID holder). Gold Travel Privileges. , Avenida de Almeida Ribeiro, 22, Macau. Get everything in one touch! Perform banking transactions, add extra authentication methods to your Online Banking ("BOL") operations, check the latest ongoing. Know more by clicking here. Nowadays, BNU retains its status as one of the issuing. Para aceder ao sistema introduza a sua Identificação Pessoal e Senha. - Beware of fraudulent mobile app claiming to be affiliated with OCBC Macau. Simply fill in the form and chose the most appropriate time for us to call you back! Try it by clicking the "Call Me Back" button. In compliance with Macau SAR Law, BOL Teens can only be subscribed by a Legal Representative. BNU MPU Visa. BNU values its social responsibility. 如閣下尚未申請網上銀行服務 , 可帶同有效身分證明文件親臨本行作申請。. BNU 網上銀行. Non-Mandatory Central Provident Fund (CPF) System has been launched in 2018. Clearing code and branch code of Banco Nacional Ultramarino S. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. É um. Legal Representative is a generic nomenclature to express a person with legal and possible to. : Doc. The SWIFT. For urgent matters, please. Nelson Moura. BNU supports Macau Women Association donating MOP 100,000. The Banco Nacional Ultramarino (B. 為安全起見，請勿. electricity, water, internet and telephone/mobile), tuition fees (UM, IFTM, USJ and EPM) and government services (through GovPay, CEP and DSF platforms). Enjoy the increased client engagement and additional flexibility. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. [1] BNU ATM - for BNU bank card via BNU ATM [2] ICBC ATM - for ICBC bank card via ICBC ATM. Variable credit limit. If you have not yet registered for "BNU Online" service, please apply the service at any BNU branches with your valid identification document. Type: (, , BIR, BI, HKID, Passport, etc) Requests the following: A / Change my Maximum Daily Cycle Limit for. BNU 24-Hour Service Hotline: 2833 5533. Founded in Lisbon, Portugal, in 1864, and started operations in Macau in 1902. Pay BUS fares with BNU Pay in Macau & HK! Offers & Promotions Online Applications Card Activation Queuing PERSONAL BNU Junior. mo. Managing subordinates<br>5. You can get more about BNU on the official website of Venetian Macao. National Postdoctoral Program For each successful candidate who is enrolled in the National Postdoctoral Program for Innovative Talents, the pretax annual salary is raised to. Together we support the community and those in need! #bnu #bnumacau #macaubank #csrBNU ESG Survey. A. A. 0 or above to use the services. BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. Banco Nacional Ultramarino. (BNU) Internet banking service of BNU (inclusive UM Affinity Card)/BOC/ICBC/TFB, please contact your bank for the procedure of online payment. BNU App – 輕鬆一按獲取所有資訊！. Interview with Pedro Cardoso, Chief Executive Officer of BNU, which has been a century-old pillar of Macau’s economy. Browse offers across dinning, shopping and much more. Get up to MOP40,000 gift cheque. José Rui Gomes gostou. Taipa, Macau (853) 2883 3633. Through BNU App customers can now bank online and pay at merchants with just one app,” the bank. Withdrawing cash in Macau with the QRC function is free. Please note that BNU never asks for such login. História. This code is essential for authenticating international wire transfers. 02. Banco Nacional Ultramarino (BNU) merupakan otoritas yang mengeluarkan uang kertas pada tahun 1905. Macau-based Portuguese bank BNU has donated 100,000 patacas (US$12,500) to the Holy House of Mercy of Macau (SCMM) to help the Macanese fraternity support the. <br><br>Taking advantage of Macau have been considered by People’s Republic of China , as the business and financial platform between China and. According to the policy currency and only applicable to insured aged from 18 to 69 years old, the benefit has a. Through BNU Online, our Internet banking service you can make transfers and bill payment and see your account movements and statement. 5. 更新. Furthermore, BNU provides a complete corporate online banking service through which you may perform your transactions as well as monitor closely your company accounts. (BNU) was awarded the ‘Best Socially Responsible Bank Macau 2015’ and ‘Best Retail Bank Macau 2015’ by International Finance Magazine Awards 2015 on its long-standing and unwavering commitment to its customers. Please login again. Phone Number +853 2833-5533. It is subdivided into 100 avos (仙; sin), with 10 avos called ho (毫) in Cantonese. For achieving a better viewing quality, it is recommended to view at 1024 x 768 screen resolution and 32-bit colors with Internet Explorer 8. Hong Kong Technology Venture Career. BNU American Express® Gold Card – Earn Cash rebates on all your spend. Other BNU. BNU App – 輕鬆一按獲取所有資訊！. Card Activation. PREMIUM. BNU supports Macau Women Association donating MOP 100,000. construed in accordance with the laws of the Macau SAR and the parties herein agree in submitting all conflicts arising from these terms and conditions or in connection with the use of BNU Visa/MasterCard Credit Card to the non-exclusive jurisdiction of the Courts of Macau. It ceased existence as an independen Read More. Benefit equal to 5% of the premium. Know more by clicking here. mo: visit the most interesting BNU pages, well-liked by users from Macao, or check the rest of bnu. 無論何時何地，BNU網上銀行為您提供多元化的理財產品和服務，令您可以方便，快捷，安全地管理. It ceased existence as an. Checking if it is an online purchase (e. To access BNU Online, please enter your Login ID and Password. Mail: cheque mailed to BNU Credit Card Center, Av. 查看系統要求 流動保安編碼認證工具指引. Related Content. EFT (Electronic fund transfer or wire transfer to direct bank account) facility ia available for Banco Nacional. Using a credit card to withdraw cash will also incur in cash advance fees (please consult the pricing list) and 29. For reissuing new password, please approach any of BNU branches with your valid identification document. Perform Banking Transactions, add further Authentication Methods to your BOL transactions, access to both BNU Life and Institutional Website and a lot more! Everything at one place only. Online Applications. 6. If so, check your personal email inbox (and junk folder) for an email confirmation from the company. 2. 9. BNU App - Get everything in one touch! 1. (printed outside the PIN mailer) into the Login ID text box. A. According to the statement, the new service allows all BNU customers to. Annual Report 2020. By e-mail. BNU understands that achieving your personal goals is a top priority. 0. VA – VIP Customers. Download Center. Para aceder ao sistema introduza a sua Identificação Pessoal e Senha. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. 80% of money transfers with Wise arrive within 24 hours. Rua Central da Areia Preta, No 1179, Villa de Mer (Block IV), R/C, Macau. mo Mail: BANCO NACIONAL ULTRAMARINO, The Human Resources Manager, P. In 2020, BNU recorded a profit of MOP420. - - -. Access to International Airport Lounges. BNU staff is given adequate and regular training, aimed at the comprehension and enforcement ofthe sanctions. Other prevailing terms & conditions apply; For further information, please call 2833 5533 or visit BNU site: : Banco Nacional Ultramarino, S. 12 stock markets available. BNU New Series of MOP Banknotes. Rebates on F&B spending in Macau Stock Trading Online. Tinha o papel de servir de banco emissor para os territórios ultramarinos portugueses. Our Bank >. 1. Veja o perfil de Sam TouSam Tou no LinkedIn, a maior comunidade profissional do mundo. enquiry@bnu. By. Experienced Chief Executive Officer with a demonstrated history of working in the banking industry. . Download it now and get superior convenience. BNU New Series of MOP Banknotes. 1. Eligible Referrer must have a valid Macau phone number registered in BNU to be contacted by BNU staff for gift collection within 2 (two) months after the campaign period. 無論何時何地，BNU網上銀行為您提供多元化的理財產品和服務，令您可以方便，快捷，安全地管理您的銀行產品和服務！. Entre em contato direto com Vitor. Before you leave Macau, you will be required to activate the feature for overseas transactions. Almeida Ribeiro, 22-38 PO Box 465 Tel: (853) 28 35 51 11 Fax: (853) 28 35 56 53 e-mail: online@bnu. Unlock amazing savings and discounts with BNU Pay! Use it to pay on the 4 below Gas Stations in Macau and enjoy a rReturn to BNU. Then, input the Initial PIN (printed inside the PIN Mailer) into the PIN text box. In MOP/ HKD/ USD/ EUR. 4,488 likes. Para emissão de uma nova Senha por favor dirija-se a qualquer uma das nossas agências, fazendo acompanhar-se do seu documento de. : Doc. Reset your BNU Online Banking password; Requirements: e-Application function is available for citizens with a valid Macau ID and with 18 years old or above. 10K+ Downloads Everyone info Install About this app arrow_forward BNU App - Get everything in one touch! Perform Banking Transactions, add extra Authentication Methods to your BOL. institutions in macau 362,512,313. 7%) in a context of deceleration of the economy of theBNU, roughly translated to Ultramaritime National Bank, had one purpose. Click here to access our official page. mo. Company Type For Profit. Interested candidates may apply with full resume and this form, via:. 讓您的銀行可以隨時隨地，觸手可及。. BNU NAPE Branch; BNU Areia Preta Branch; BNU Taipa (Flower City) Branch; BNU Chong Fu Branch; BNU Kinglight Garden Branch; BNU Cotai Branch; BNU Fai Chi Kei Branch; BNU Iao Hon Branch; BNU Mercado Vermelho Branch; BNU Costa Branch; BNU Nova City Branch; BNU Chun Fok Branch; BNU Ha Wan; BNU Villa de Mer; BNU China. BNU employees visited the ”National Security Education Exhibition”, leaded by BNU CEO Carlos Alvares together with the other Executive Members of BNU. cn. User of Banco Nacional Ultramarino, Bank of China (Macau Branch) or Industrial and Commercial Bank of China (Macau) Limited can settle the payment through the online banking service provided by BNU, BOC or ICBC before 19:00 on the payment due date stated on the E-Debit Note. 460 followers 2dThe Monetary Authority of Macau (AMCM) said in a statement yesterday that residents can now use Self-Service Coin Exchange Machines, which exchange coins for banknotes, at certain branches of Macau’s two banknote-issuing lenders, Bank of China and Banco Nacional Ultramarino (BNU). For over a century, BNU has been working with. . For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. Legal Name Banco Nacional Ultramarino S. A. O Banco Nacional Ultramarino MHI (BNU) é um banco português que opera em vários países, mas em especial nas antigas colónias portuguesas. Welcome to BNU Business Online Banking Close : Copyright©2007 Banco Nacional Ultramarino, S. 2”in the IE configuration. com. Though it is part of China, Macau has its separate. BNU offers a flexible payment scheme and diversified payment channels: by cash or cheque at any BNU branch, by Autopay and Flexipay, through BNU Online, Phone Banking (28335533) or BNU ATMs. In alternative, the remaining BNU Branches in Macau and Taipa are ready to serve you, as well as BNU banking services through Online Banking, Business Online Banking, BNU App, our ATMS and MTMS (with cash deposit function) and 24-Hour Customer Service, by calling 2833 5533 or e-mailing to enquiry@bnu. You can set up an individual plan with Fidelidade Life and invest in authorized fund (s). Para emissão de uma nova Senha por favor dirija-se a qualquer uma das nossas agências, fazendo acompanhar-se do seu documento de. Department/School Website sli. BNU App - Get everything in one touch! 1. You have not logined or session expired. 如欲補發新密碼，可帶同有效身分證明文件親臨本行辦理。. Fidelidade Life provides you with the utmost quality of. 3% MaxValue 20. ] Accident happens, anytime anywhere!The card is available in all 18 BNU branches, and in two card types Platinum Visa and Gold Visa, the company said in a statement, adding that advantages include the exclusive Asia Miles earning rate in Macau for Platinum Card, 1 Asia Mile will be earned for every MOP10 spent in Macau, Hong Kong and mainland China or MOP5 spent for. Easily sign the form with your finger6 BNU BNU ANNUAL REPORT 2020 BNU at a glance in figures 271,568 Customers 20 Branches in Macau & 1 Branch in Hengqin 500 Full time/permanent employees MOP 26,806 MM Gross Credit MOP 35,838 MM Deposits MOP 420. mo for enquiry about our product offering Call 2833 5533 for any comment or suggestion related to our customer service. BNU New Series of MOP Banknotes. Subscribe today via BNU App or B. Copy. S. Tiga tahun setelah itu, pada tahun 1868, BNU membuka cabang di Sao Tome dan Principe,. Veja o perfil completo no LinkedIn e descubra as conexões de VitorVitor e as vagas em empresas similares. 04. 3. For reissuing new password, please approach any of BNU branches with your valid identification document. BNU Pay 入油優惠 - MOP10 消費賞. m. Pataca Makau (Portugis: Pataca de Macau; Hanzi:. BNU Head Office; BNU NAPE Branch; BNU Areia Preta Branch; BNU Taipa (Flower City) Branch; BNU Chong Fu Branch; BNU Kinglight Garden Branch; BNU Cotai Branch; BNU Fai Chi Kei Branch; BNU Iao Hon Branch; BNU Mercado Vermelho Branch; BNU Costa Branch; BNU Chun Fok Branch; BNU Ha Wan; BNU Villa de Mer; BNU. BNU Pay is a BNU mobile payment channel that allows you to make local and cross-border payments. Annual Report 2021. BNU App - Get everything in one touch! 1. 62500%. 2. BNU was the first commercial bank in Macau in the early 20th century. lists of sanctioned persons and entities and ensures the online filtering of international inbound and outbound. Its head office is located in a recognised heritage building at the intersection of Ave. 1. Extension date of Solidarity Portugal COVID-19 account fundraising campaign. The bank said that “ BNU Pay”, for UnionPay cardholders, allows customers to pay with their smartphone not only in Macao but also in mainland China and overseas. ” / SINOM), and must be observed by all Collaborators. | Saiba mais sobre as conexões, experiência profissional, formação acadêmica e mais de Carlos Cid Alvares ao ver o. 讓生活更輕鬆。. Get up to MOP20,000 gift cheque MaxValue 20. If you are a BNU Online Banking (BOL) customer, you may login the App. By Facebook. According to a source at BNU, the Portuguese government was informed by the Chinese supplier on Sunday, March 22, that if the previously agreed payment of US$10 million. Asia Pacific currencies. Easy, fast and completely digital! Make pre-application of below products via our digital platform. mo. Reset your BNU Online Banking password; Requirements: e-Application function is available for citizens with a valid Macau ID and with 18 years old or above. . 如閣下尚未申請網上銀行服務 , 可帶同有效身分證明文件親臨本行作申請。. To show our support to the education system, we have launched the credit card VISA Universidade de Macau. No maintenance fees. Banco Nacional Ultramarino (Macau) Av. BNU Online Making life easier! Your bank at your fingertips, anytime, anywhere. Almeida Ribeiro, no. Banco Nacional Ultramarino, or BNU, officially reopened its head office in downtown Macau with a focus on modernised and innovative services after undergoing renovation work for about five months. Pay by using Autopay or Flexipay services: Autopay: On "Payment Due Date" the Balance (Statement Balance or Minimum Payment) will be automatically debited into your designated Current or Savings Account according to your pre-set instruction for "Full Payment" or. 4. edu. E-mail to enquiry@bnu. A. g. (BNU) Internet banking service of BNU (inclusive UM Affinity Card)/BOC/ICBC/TFB, please contact your bank for the procedure of online payment. Download Center - BNU Macau. A：Undergraduate students from Hong Kong, Macau and Taiwan are not considered as international students. Controlling budget of marketing campaign <br>3. Otherwise, it will be considered as late payment. Browse offers across dinning, shopping and much more. Enjoy from a great variety of discounts to generous rewards for your BNU Credit Cards, BNU Debit Cards and several Digital Payment Apps. +853 2857 6001. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. Banco Nacional Ultramarino (BNU) didirikan di Lisboa, Portugal, pada tahun 1864 sebagai bank sentral untuk wilayah Portugal di seberang lautan. Download it now and simplify your banking! 2. To access your BNU Business Online Banking, please enter your Login ID and Password. Commercial Banking; Investment Banking; Asset Management; Real Estate; Other Companies; Other Equity Interests; Investor Relations. Se ainda não tiver subscrito este serviço, poderá faze-lo bastando visitar qual…Banco Nacional Ultramarino. This new BNU product was created in partnership with Cathay Membership Programme - Asia's leading travel and lifestyle reward program with over eleven million members and over 800 program partners worldwide – in order to create something new and exclusive for Macau. 2. Please click Security Advices for more information. Koin Makau Pataca pertama dikeluarkan pada tahun 1952. INTEREST RATE. At BNU, we are committed to provide excellent career opportunities with a competitive remuneration package. MOP - MACAU PATACA. The outbreak was quickly controlled by Macau SAR Government and BNU is also cooperating by developing a set of anti-epidemic initiatives to help economically and other ways, both private customers and companies, especially SMEs, namely:. Duration of contract: Three Years. 3. Finances Made Simple. You can also use BNU Pay to pay for bus fares in. To re-activate the ID, please contact our Customer Service Hotline at 2833 5533. If you want to transfer funds from your BNU account to an account with other banks in Macau, click the "Accounts in Other Banks in Macau" inside the "Fund Transfer" tag in the top main menu bar. Banco Nacional Ultramarino (BNU; ; National Overseas Bank) is a Macau banking and financial services corporation. 如欲補發新密碼，可帶同有效身分證明文件親臨本行辦理。. BNU Head Office; BNU Areia Preta Branch; BNU Taipa (Flower City) Branch; BNU Chong Fu Branch; BNU Kinglight Garden Branch; BNU Cotai Branch; BNU Fai Chi Kei Branch; BNU Iao Hon Branch; BNU Mercado Vermelho Branch; BNU Costa Branch; BNU Nova City Branch; BNU Chun Fok Branch; BNU Ha Wan; BNU Villa de Mer; BNU China. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>In addition to the 20 branches of BNU Macao in Taipa and Macao, CGD Group is also present in China with a representative office in Shanghai and a branch in Zhuhai. Almeida Ribeiro, 22, Macau. 4,483 likes. Av. For reissuing new password, please approach any of BNU branches. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. Withdrawing cash in Macau with the QRC function is free. Headquarters Regions Asia-Pacific (APAC) Founded Date 1902. BNU UnionPay Triple Currency Credit card allows you to spend in Macau, Hong Kong and China and settled in MOP, HKD and RMB respectively. Fill form: Try Risk Free. Using a credit card to withdraw cash will also incur in cash advance fees (please consult the pricing list) and 29. com. 1. Queuing. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. 3 million. Make your donation. Tailor made comprehensive protection Easy Transfer for Businesses. It allows students to enroll in courses, access course materials, submit assignments, communicate with professors and classmates, check grades, and perform other academic activities remotely. [ "+86 (21) 6888 8525" ] 09:00 - 17:30. com). We would like to show you a description here but the site won’t allow us. BNU Online. BNU - Online Banking BNU Online INTEREST RATE Currency: USD - US DOLLAR EUR - EURO CURRENCY Currency MOP - MACAU PATACA Savings Interest Rate 0. 2% cash rebate for overseas transactions and on overseas online merchants; Priority Pass program. mo for any question related to the operation of BNU Online Visit us at any of our branches Write to us : Banco Nacional Ultramarino, S. E-mail to enquiry@bnu. If you do not meet these requirements you may be eligible to. The first and only credit card in Macau that bears the latest Lounge Key icon that gives you access to airport VIP lounges worldwide by simply showing your BNU Visa Infinite credit card; Unlimited complimentary access to 850+ airport VIP lounges; Travel Accident Insurance up to MOP 8 million of coverage; Overseas Emergency Medical Benefits up. 如閣下尚未申請網上銀行服務 , 可帶同有效身分證明文件親臨本行作申請。. Category-B Postdoctoral Program The candidates can discuss with the supervisor and the host college about the salary and then keep BNU informed. BNU has a Data Protection Officer to whom you may address any requests or enquiries related to personal data through the following contact points: Mail addressed to: Data Protection Officer, Banco Nacional Ultramarino, S. , password or any personal info. U. mo. Getting in touch with us is easy! Just choose how you would like to reach us: By phone. Click on the "Account Number" you wish to "Transfer From", and all your registered Savings / Current / Overdraft accounts are displayed for selection. <br><br>The first years were in the commercial area, starting as Commercial. For student payments settle in Macau, please refer to the following methods: Cash at any branch of Banco Nacional Ultramarino, S. 752,142 likes · 3,601 talking about this. 1 CORPORATE INFORMATION 1. BNU - Online Banking. Banco Nacional Ultramarino (Macau) Av. Air Macau Flight Attendant Walk-in Interview [Macau] (July 2019) Air Macau. 2. 09:30 - 18:00. First Login. On agreement with the BNU on October 16, 1995, the Macau branch of Bank of China (Banco da China, 中國銀行澳門分行) became the second note-issuing bank. Box 465, Macau All application will be treated in strict. com. The new looks of the financial institution feature a modern yet functional layout inspired by the bank’s iconic caravel symbol. Whether in Macau, in Mainland China or even Overseas, you can use your BNU Pay with all convenience and don't need to open an account anywhere else. Hint: Enjoy 15% off, all year round, by subscribing it via BNU App or Online Banking! Travel insurance is essential for a peaceful and safe trip. Get, Create, Make and Sign2. Macau, 16th December 2022 – BNU held today the official celebration ceremony of its 120th Anniversary at MGM Cotai, in the presence of government officials from the Central Government. Using your ATM card you can make withdrawals, transfers and bill payments at any of our ATM machines throughout Macau and Taipa. Bnu. "Bank" means Banco Nacional Ultramarino, S. Advices and best practices for a secure use of BNU Timor Internet Banking find. A. hk 低成本旅遊情報網. BNU Online is an online platform or portal provided by BNU (Beijing Normal University) for students to access a range of services and resources online. This insurance product is underwritten by Fidelidade Macau Life — Insurance Company Limited and distributed by BNU. No matter what your purpose of traveling is, you may choose the TravelSafe Insurance Plan that most suits your needs. 00 362,512,313. 是一個獨立的平價旅遊情報網，不是旅行社，也不賣旅遊產品，只是每日送上最抵玩的機票酒店優惠！如果有關於平酒店平機票的問題，可以隨時問我地 :)Mobile payments within Mainland China usually require the need to open a bank account in mainland China, even for Macau residents. Banco Nacional Ultramarino. Tai Fung Bank. 總行地址：澳門新馬路 22 號 Head Office Address: Av. 中銀銀行澳門分行. Macau Solidarity Commission - Solidarity Portugal COVID-19. BNU Macau Home Personal. BNU / / BNU Online×Mobile Banking Request Form To: BNU Macau Name: ID Document No. mo Web: CGD. 01/share. com. It was once a colony of Portugal until 1999. Please contact Undergraduate Admissions Office for more information. Premium Payment Method - Lump sum. MX - represents location, second digit 'X' means active code. S. Savings Interest Rate. Banco Nacional Ultramarino. That's why we offer a comprehensive personal loan program that can help you reach your… Banco Nacional Ultramarino. 總行地址：澳門新馬路 22 號 Head Office Address: Av. Customers using BNU App can now bank online and pay at merchants with just one app. The launch of BNU Pay is in line with BNU’s “ongoing modernisation of banking services and solutions” to. Almeida Ribeiro, Nº. At BNU counters you can make deposits, withdrawals, transfers and payments. Learn more. We provide foreign exchange rates information and quotations for actual transactions in all major currencies and most Asian currencies. . You may also support some of the most prestigious community institutions in Macau by holding one the following credit cards jointly issued by BNU and these.