ACB Smart Access Account

Use this account to satisfy your day-to-day transactional and payment needs conveniently.  At the same time, grow your savings by earning interest in your Regular Savings Account and build your nest egg.

The Smart Access Account is linked to your ACB Smart Card, and the ACB Smart App to facilitate easy and convenient online payments and transfers. This delivers a true Banking on the Go experience, saving you the hassle of physically going into the Bank.

Additionally, ACB Smart Access offers an optional overdraft facility of up to XCD 2,500.00, so you can rest assured that your Bank has your back.


  • $0 to open the account
  • ACB Smart Card (Chip, Pin & Contactless International Debit Card)
  • Have access to any of our convenient ATMs to use and manage your account
  • Immediate registration and activation of Online / Mobile Banking 
  • No monthly service charge
  • Overdraft feature for qualifying customers *

Terms & Conditions

* Overdraft facility is available at XCD 25.00 per month
* ACB Caribbean Group reserves the right of set-off (the right to debit any of your accounts to settle outstanding balances)
* Overdraft balance is paid monthly by salary deduction, with no rollover of balances

Download Application Form

General Requirements

Specific details for various new accounts opening are attached in our ACB Caribbean New Account Brochure!

How to Apply?

ACB Smart Access Account


Mon - Fri (8am - 4pm)
(268) 481 - 4200 / (268) 480 - 1177

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ACB Smart Access Account

In Person

Visit a local branch

Application Forms