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More services in a single card

Clave cards allow you to carry out transactions at ATMs, shop purchases, make transactions through e-Clave and send Clave Giro, with more than 35 affiliated Financial Institutions

Closer to you 24 hours
Recharge without additional fees from any ATM

You can make your recharges at the Automatic Teller Machines (ATM) of any Financial Institution, without additional costs.

What services can you recharge?

  • Cable & Wireless – Más Móvil
  • Metrobus y Metro
  • Panapass
  • Tigo

Make your payments at any Automatic Teller Machine (ATM) without additional fees.

The payments that can be made are:

  • Tigo – Cable Onda
  • Tigo
  • Empresa de Distribución Eléctrica Noreste (ENSA)
  • Naturgy
  • Cable & Wireless – Telefonía
  • Municipio de Panamá
  • Aseo Capital
  • Autoridad del Tránsito y Transporte Terrestre (ATTT)
  • Instituto de Acueductos y Alcantarillados Nacionales (IDAAN)

Send cash from ATM to ATM.

It is a transaction that allows you to send cash transfers, immediately, through ATMs to any part of the country, to be received by a person who does not necessarily have a Clave card.


Withdrawal of money without a card. The person who receives the Clave Giro does not need a Clave card or bank account. These transactions are fast, secure and without queuing. Plus, it saves time without the need to travel long distances.

What do you need to send a Clave Giro?

  •  To send money you must have a Clave card and a bank account in one of the financial institutions affiliated to the Clave Giro service.
  • You must send the Clave Giro through any ATM of one of the financial institutions affiliated to the Clave Giro service.
  • You need to have the cell phone number of the person who will receive the Clave Giro.
  • Once the transaction to send the Clave Giro has been completed, you must send the PIN number generated in the ATM receipt and, as a security measure, call the person who will receive the Clave Giro to dictate it to him/her so that he/she can enter it in the ATM to withdraw the money.

Automatic Teller Machines (ATM) to send money:

Banco Nacional de Panamá, Caja de Ahorros, COEDUCO, COOESAN, COOPEDUC, Credicorp Bank, EDIOACC y Metrobank.

What do you need to withdraw a Clave Giro?

  • To receive the Clave Giro, you must have the SMS messaging service enabled on your cell phone, since, through a text message, you will receive the virtual card number with which you can withdraw money at any ATM of one of the financial institutions affiliated to the Clave Giro service.
  • At the ATM you must select the option “Transactions without card”.

Automatic Teller Machines (ATM) to withdraw money:

BAC Credomatic, Banco Nacional de Panamá, Caja de Ahorros, COEDUCO, COOESAN, COOPEDUC, COOPEVE, Credicorp Bank, EDIOACC y Metrobank.

IMPORTANT: If the beneficiary does not withdraw the Clave Giro, the amount sent will be returned to the account of the person who sent the money.

Buy fast, easy and secure with your Clave.

You can make purchases with Clave cards in local shops or through electronic stores using e-Clave, at the same time you get the following benefits:

  • Shopping quickly and safely.ad.
  • In seconds, you can pay for all your purchases without transaction fees, risk-free and without delay.
  • You can better control or track your expenses.

These additional services can also be performed through automated teller machines (ATM).

  • Apps Móviles
  • Cash-in
  • Clave Giro
  • Clave Social
  • Balance inquiry
  • Donation
  • Payments
  • Recharges
  • Clave Summary
  • Cash withdrawal
  • International money withdrawal
  • Transfer between accounts

Security Tips for Key Cards:

  • The secret number is personal and only the owner of the card should know it. So always remember:
  • Do not write the PIN anywhere.
  • Memorize it. Do not tell anyone your secret number. No one is authorized to solicit you.
  • Do not allow anyone to watch when you are typing.
  • Do not accept help from strangers at any time.
  • Do not enter the PIN number in the ATM if it is out of service.
  • Ignore fraudulent messages asking you to enter your PIN number when the ATM is out of service.
  • Your PIN is your best protection against fraud.